Investment Learning System Simulating Long-Term Growth

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Solution Overview

Problem

Many Americans, particularly young adults, lack education in investment know-how and are intimidated by long-term investing, leading to premature withdrawal during adverse market conditions, resulting in missed opportunities for financial stability and retirement planning.

Innovation Solution

A system and process that simulates long-term investment behavior using historical data, providing users with a graphical and auditory feedback system to understand the benefits of investing, including a user interface for setting initial and periodic contributions, and displaying financial performance over a simulated time frame, including crisis events to demonstrate the value of maintaining long-term investments.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Loss of information

If traditional investment education is provided, then users gain basic investment knowledge, but users remain intimidated by long-term investing and fail to maintain investments during adverse conditions

Engineering Contradiction:

Improveinvestment knowledgeVSAvoidinvestment persistence

Core Design Contradiction:

Loss of informationVSReliability

Solution Approach 1:

The system performs preliminary action by simulating long-term investment outcomes and crisis events before users actually invest, allowing them to experience and learn from virtual market downturns and recovery patterns in advance, which builds resilience and prevents premature withdrawal during real adverse conditions

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system implements feedback by providing visual graphs and numerical data showing account growth over time, including simulated crisis events and recovery, allowing users to see the direct relationship between persistent investing and long-term success, reinforcing continued investment behavior

Inventive Principle:

Principle #23Feedback

2Stability of the object's composition

If users are exposed to simulated crisis events, then users learn to maintain long-term investment strategy, but users may experience emotional distress from simulated losses

Engineering Contradiction:

Improveinvestment strategy consistencyVSAvoidemotional impact from losses

Core Design Contradiction:

Stability of the object's compositionVSObject-affected harmful factors

Solution Approach 1:

The system applies beforehand cushioning by providing a virtual simulation environment where losses are simulated rather than real, cushioning users from actual financial harm while still exposing them to crisis scenarios, allowing them to develop emotional resilience without genuine financial risk

Inventive Principle:

Principle #11Beforehand cushioning (Prior cushioning)

Solution Approach 2:

The system converts the potentially harmful emotional impact of loss exposure into benefit by using simulated losses as teaching moments that demonstrate recovery patterns and long-term value of persistent investing, transforming negative emotional experiences into positive learning outcomes

Inventive Principle:

Principle #22Blessing in disguise (Convert harm into benefit)

3Loss of information

If comprehensive financial simulation is provided, then users understand long-term investment benefits, but system complexity increases

Engineering Contradiction:

Improvefinancial understandingVSAvoidsimulation system complexity

Core Design Contradiction:

Loss of informationVSDevice complexity

Solution Approach 1:

The system uses copying by creating a simplified virtual model of the investment market that replicates key characteristics like growth patterns and crisis events, providing comprehensive financial education through an accessible interface that doesn't require users to understand the full complexity of actual financial systems

Inventive Principle:

Principle #26Copying

Data Source

PatentUS20210319515A1System and Process For Displaying Calculated Long Term Growth Of A Financial Account

Publication Date: 2021.10.14 TROUTWOOD LLC

AI summary

An investment learning system is provided having a single general user interface; anda computer connected to the single general user interface and having:a computer readable storage device having a database module for collecting, storing, and linking data associated with historical financial performance data of a market fund;a central processing unit connected to the single general user interface and the computer readable storage device, and running a plurality of core modules to display a progression of at least one of account values, graphics, audible or text feedback representing the financial performance of a user simulated account through a simulation, the plurality of core modules used to perform the simulation include:a user contribution selection module for setting an initial amount to invest in the simulated account in numerical value, and a periodic contribution amount to invest in the simulated account in numerical value;a time frame module configured to set a length of time period represented in the simulation; anda data display module configured to present a graphical representation of the progression indicative of the financial performance of the simulated account with respect to the initial amount, the periodic contribution amount, and the length of time period.