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1. WO2000039734 - SYSTEM AND METHOD FOR OPTIMIZING INVESTMENT LOCATION

Publication Number WO/2000/039734
Publication Date 06.07.2000
International Application No. PCT/US1999/030879
International Filing Date 23.12.1999
Chapter 2 Demand Filed 21.07.2000
IPC
G06Q 40/00 2006.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
CPC
G06Q 40/04
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
04Exchange, e.g. stocks, commodities, derivatives or currency exchange
G06Q 40/06
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
06Investment, e.g. financial instruments, portfolio management or fund management
Applicants
  • WHITTAKER, Jay [US/US]; US
  • FRANK, Glenn [US/US]; US
Inventors
  • WHITTAKER, Jay; US
  • FRANK, Glenn; US
  • KELLER, Robert; US
Agents
  • LOWRY, David, D.; Brown, Rudnick, Freed & Gesmer, P.C. One Financial Center Box IP, 18th floor Boston, MA 02111, US
Priority Data
09/346,60202.07.1999US
60/113,85924.12.1998US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) SYSTEM AND METHOD FOR OPTIMIZING INVESTMENT LOCATION
(FR) SYSTEME ET PROCEDE D'OPTIMISATION DE POINTS D'INVESTISSEMENT
Abstract
(EN)
An investment optimizing system and method. Once an investor or investment advisor determines the appropriate asset allocation (30) and that there are both taxable accounts (32) and tax-deferred investment accounts (34), the invention will optimize/maximize the investor's ending after-tax asset accumulation (36), which is the objective of all investors. This is accomplished by allocating (42) the chosen investment vehicles between the taxable (46) and tax-deferred accounts (48) in an optimum way. The invention runs on a computer system and searches for an allocation which results in maximal return. Intelligent heuristics measure increased performance based on different asset allocations.
(FR)
Système et procédé d'optimisation d'investissement. Une fois qu'un investisseur ou un conseiller en investissement a déterminé l'affectation appropriée (30) des actifs et que l'on dispose à la fois de comptes imposables (32) et de comptes (34) d'investissement à imposition différée, l'invention optimise/maximise la finalité de l'investisseur après accumulation (36) des actifs après impôt, ce qui est l'objectif de tous les investisseurs. Pour ce faire on affecte (42) les moyens d'investissement choisis entre les comptes imposables (46) et les comptes (48) à imposition différée d'une manière optimale. L'invention peut être exploitée sur un système informatique et recherche une affectation ayant pour résultat un retour maximal. Une heuristique intelligente mesure les performances améliorées sur la base de différentes affectations d'actifs.
Also published as
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