COMPUTING SYSTEM FOR OPTIMIZING INVESTMENT OF LIQUID GUARANTEED INCOME ASSETS
An investment manager engine automatically manages an investment fund. During an accumulation phase, the investment manager receives messages that include contributions to the investment fund. For each contribution, the investment manager determines an allocation of the contribution among securities and guaranteed income assets. The investment manager allocates at least a portion of the contribution to guaranteed income assets, according to the determined allocation. The guaranteed income assets provide a guaranteed annual income stream upon a predetermined date.
1 . (canceled)
2 . A computer-implemented method, comprising:
receiving, at a first user interface of a display, a contribution amount to a guaranteed income portfolio comprising guaranteed income assets, wherein the guaranteed income assets are convertible to a guaranteed income stream, and wherein a guaranteed income asset in the guaranteed income assets comprises a transactable price component and a guaranteed income component,
wherein the transactable price component is based on a survival variable, a nominal cash flow, and a discount factor, and
wherein the guaranteed income component corresponds to a portion of the guaranteed income stream upon a redemption window;
transmitting the contribution amount to a remote server, whereby the remote server adds the guaranteed income assets to the guaranteed income portfolio based on the contribution amount;
receiving a value of the guaranteed income portfolio comprising guaranteed income assets; and
displaying, on a second user interface of a display, the value of a guaranteed income in a visual fund ring, wherein a size of a portion of the visual fund ring allocated to the guaranteed income portfolio corresponds to the value.
3 . The method of claim 2 , further comprising:
displaying, on the second user interface, a value of a stock or a bond portfolio and the value of the guaranteed income portfolio.
4 . The method of claim 3 , further comprising:
redisplaying, the visual fund ring with portions of the ring corresponding to allocations to the guaranteed income portfolio and the stock or the bond portfolio, wherein sizes of different portions of the visual fund ring correspond to the value of the guaranteed income portfolio and the value of the stock or the bond portfolio.
5 . The method of claim 4 , wherein the guaranteed income portfolio and the stock or the bond portfolio comprise an investment fund; and
further comprising displaying, using the second user interface, a value of the investment fund.
6 . The method of claim 2 , wherein the guaranteed income component of the guaranteed income asset is immutable upon addition of the guaranteed income asset to the guaranteed income portfolio.
7 . The method of claim 2 , further comprising:
determining the redemption window for the guaranteed income assets; and
converting the guaranteed income assets into the guaranteed income stream based on guaranteed income components in the guaranteed income assets.
8 . The method of claim 7 , wherein the converting further comprising:
during the redemption window, generating messages comprising instructions to purchase the guaranteed income assets at transactable prices in transactable price components to generate the guaranteed income stream based on guaranteed income prices in the guaranteed income components.
9 . The method of claim 2 , further comprising:
converting the guaranteed income assets into a lump sum payment based on guaranteed income components in the guaranteed income assets, wherein the converting further comprises:
generating messages comprising instructions to purchase the guaranteed income assets at transactable prices in transactable price components to generate the lump sum payment based on guaranteed income prices in the guaranteed income components of the guaranteed income assets.
10 . A system, comprising:
a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to execute instructions from the non-transitory memory to cause the system to perform operations comprising:
receiving, at a user interface of a display, a contribution amount to a guaranteed income portfolio comprising guaranteed income assets, wherein the guaranteed income assets are convertible to a guaranteed income stream, and wherein a guaranteed income asset in the guaranteed income assets comprises a transactable price component and a guaranteed income component,
wherein the transactable price component is based on a survival variable, a nominal cash flow, and a discount factor, and
wherein the guaranteed income component corresponds to a portion of the guaranteed income stream upon a redemption window;
transmitting the contribution amount to a remote server, whereby the remote server adds the guaranteed income assets to the guaranteed income portfolio based on the contribution amount;
receiving a value of the guaranteed income portfolio comprising guaranteed income assets; and
displaying, on the user interface of a display, the value of a guaranteed income in a visual fund ring, wherein a size of a portion of the visual fund ring allocated to the guaranteed income portfolio corresponds to the value.
11 . The system of claim 10 , further comprising:
displaying, on the user interface, a value of a stock or a bond portfolio and the value of the guaranteed income portfolio.
12 . The system of claim 11 , further comprising:
redisplaying, the visual fund ring with portions of the ring corresponding to allocations to the guaranteed income portfolio and the stock or the bond portfolio, wherein sizes of different portions of the visual fund ring correspond to the value of the guaranteed income portfolio and the value of the stock or the bond portfolio.
13 . The system of claim 12 , wherein the guaranteed income portfolio and the stock or the bond portfolio comprise an investment fund; and
further comprising displaying, using the user interface, a value of the investment fund.
14 . The system of claim 10 , wherein the guaranteed income component of the guaranteed income asset is immutable upon an addition of the guaranteed income asset to the guaranteed income portfolio.
15 . The system of claim 10 , further comprising:
determining the redemption window for the guaranteed income assets; and
converting the guaranteed income assets into the guaranteed income stream based on guaranteed income components in the guaranteed income assets.
16 . The system of claim 15 , wherein the converting further comprises:
during the redemption window, generating at least one message comprising instructions to purchase the guaranteed income assets at transactable prices in transactable price components of the guaranteed income assets to generate the guaranteed income stream based on guaranteed income prices in the guaranteed income components of the guaranteed income assets.
17 . The system of claim 10 , further comprising:
converting the guaranteed income assets into a lump sum payment based on guaranteed income components in the guaranteed income assets, wherein the converting further comprises:
generating at least one message comprising instructions to purchase the guaranteed income assets at transactable prices in transactable price components of the guaranteed income assets to generate the lump sum payment based on guaranteed income prices in the guaranteed income components of the guaranteed income assets.
18 . A non-transitory computer-readable storage medium having instructions encoded thereon that, when executed by one or more processors, cause the one or more processors to:
displaying, on a first user interface of the display, a contribution interface configured to receive a contribution amount to a guaranteed income portfolio comprising guaranteed income assets, wherein the guaranteed income assets are convertible to a guaranteed income stream, and wherein a guaranteed income asset in the guaranteed income assets comprises a transactable price component and a guaranteed income component,
wherein the transactable price component is based on a survival variable, a nominal cash flow, and a discount factor, and
wherein the guaranteed income component corresponds to a portion of the guaranteed income stream upon a redemption window;
receiving, at the contribution interface of the first user interface, the contribution amount corresponding to the guaranteed income portfolio;
transmitting the contribution amount to a remote server, whereby the remote server adds the guaranteed income assets to the guaranteed income portfolio based on the contribution amount;
receiving a value of the guaranteed income portfolio comprising guaranteed income assets; and
displaying, on a second user interface of a display, the value of a guaranteed income in a visual fund ring, wherein a size of a portion of the visual fund ring allocated to the guaranteed income portfolio corresponds to the value.
19 . The non-transitory computer-readable storage medium of claim 18 , further comprising:
displaying, on the first user interface, a value of a stock or a bond portfolio and the value of the guaranteed income portfolio.
20 . The non-transitory computer-readable storage medium of claim 19 , further comprising:
redisplaying, the visual fund ring with portions of the ring corresponding to allocations to the guaranteed income portfolio and the stock or the bond portfolio, wherein sizes of different portions of the visual fund ring correspond to the value of the guaranteed income portfolio and the value of the stock or the bond portfolio.
21 . The non-transitory computer-readable storage medium of claim 18 , wherein the guaranteed income component of the guaranteed income asset is immutable upon an addition of the guaranteed income asset to the guaranteed income portfolio.