Method and apparatus for investment consulting, benefit projection and investment analysis

摘要

A method and software product provide an analysis and modeling of retirement investments during a pre-retirement accumulation phase and a post-retirement distribution phase. Investment returns are detailed and investment scenarios are presented, including good returns first, bad returns first, historical period modeling, and user selectable return modeling. All investment and benefit sources of a user are considered. Annuity purchase options, cost of living increases, distribution strategies, threshold driven annuity options as a bailout and tax effects upon the accumulation and distribution phases aid in development of a strategy development in the modeling process.