首页>
外国专利>
System, method, and computer program product for providing stabilized annuity payments and control of investments in a variable annuity
System, method, and computer program product for providing stabilized annuity payments and control of investments in a variable annuity
展开▼
机译:用于提供稳定的年金支付和可变年金投资控制的系统,方法和计算机程序产品
展开▼
页面导航
摘要
著录项
相似文献
摘要
A system for providing stabilized annuity payments, the system comprising a processor, a memory, and a computer program stored in the memory. The computer program allocates the risks associated with an investment to the potential beneficiaries of the annuitant by controlling the allocation of assets between two investment pools. The annuitant pool is the pool on which annuity payments are based and the beneficiary pool contains assets that are provided to the beneficiaries upon the death of the annuitant. The beneficiary pool is used as a cushion to isolate the contents of the annuitant pool from fluctuations in value. If the underlying investments perform poorly, assets from the beneficiary pool are reallocated to the annuity pool in order to maintain the existing annuity payment. If the underlying investments perform favorably, increasing in value, excess amounts above a set trigger level amount will be periodically transferred to the annuitant pool.
展开▼