Systems and methods for improving investment performance

Abstract

Methods for a data processor implemented system monitor for enabling persons to turn over the allocation their investment assets, and/or receive assistance concerning how to receive disbursements from investments, in a manner that is free from or ameliorates the traditional conflicts of interest in previous systems. The methods are adapted to ameliorate the tension between other functions where the compensation may be affected by asset allocation. The systems and methods collect, monitor, and direct information from persons who hold indicative data, e.g., employers, to provide professional asset allocation services including automatic allocation, rebalancing, and reallocation of investment assets, on a regular basis; as well as assistance in determining how much to save or how to receive disbursements in a manner that ameliorates conflicts of interest, which, in the case of employee benefit plans, is consistent with the regulatory restraints of ERISA (Employee Retirement Income Security Act).

1 . A method for automatically disbursing and reallocating funds within a retirement investor's investment vehicle, comprising the steps of:
 providing automatic disbursement of funds to a retirement investor by using at least one computer to liquidate investments from among a retirement investors investments at least one of which is an investment vehicle which uses at least one a computer to automatically reallocate funds within the retirement investor's investment vehicle in response to a change in age of the retirement investor and storing personal information corresponding to the retirement investor in a computerized database;   providing by computer the retirement investor with a choice to opt out of the investment vehicle which automatically allocates funds within the retirement investor's retirement vehicle;   storing personal information corresponding to the retirement investor in a computerized database; and   providing, using a computer the retirement investor with a choice to opt out of the investment vehicle which automatically reallocated funds within the retirement investor's investment vehicle, in response to a change in age of the retirement investor.   
     
     
         2 . A computer-implemented apparatus for automatically reallocating funds within a retirement investor's investment vehicle, comprising:
 first, computer software configured to cause at least one computer cause the automatic disbursement of funds from the retirement investor's investment vehicle;   second computer software configured to effect a reallocation of funds within a retirement investor's investment vehicle due to a change in age of the retirement investor;   third, computer software configured to effect a liquidation of investments in the retirement investor's investment vehicle necessary to fund the automatic distributions to the retirement investor;   fourth, computer software configured to permit the retirement investor to opt out of the investment vehicle which automatically reallocates funds within the retirement investor's investment vehicle in response to a change in age of the retirement investor;   fifth, computer software which stores information in a computerized database related to the retirement investor upon which the automatic disbursements and reallocation are based.   
     
     
         3 . A system for automatically reallocating funds within a retirement investor's investment vehicle, said system comprising at least one computer having code which causes the at least one computer to automatically disburse funds to the retirement investor from proceeds of the sale of at least one investment from at least one investment vehicle of the retirement investor;
 automatically reallocating funds within the retirement investor's investment vehicle, in response to a change in age of the retirement investor; and   providing the retirement investor with a choice to opt out of the reallocation of funds in response to a change in age of the retirement investor.