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Pub. No.:    WO/2018/042224    International Application No.:    PCT/IB2016/055172
Publication Date: Fri Mar 09 00:59:59 CET 2018 International Filing Date: Wed Aug 31 01:59:59 CEST 2016
IPC: G06Q 40/06
Applicants: FRANSEN, Dirk
Inventors: FRANSEN, Dirk
The invention relates to the processing of a no-risk investment fund, in a novel system different from existing bank systems such as investment companies for financial assets representing significant risk. This invention allows a wide range of investors to access this no-risk investment fund, creating an economic value mutualised in the same account (4) which is protected from speculative investments sold as being "no risk" in other funds, but money being the fruit of speculation, there is always an element of risk whether in life insurances, secured alternative funds or other stock market investments. The investment fund is processed or managed in a similar way to standard investment funds with a multiproperty contract, by emitting property titles to investors, in the form of nominative tickets (3) (in order to materialise the method, a hypothetical instrument is created and called a nominative ticket (3)), which represent a share (1) in the investment fund. The invention is different in terms of the type of investment of the investment fund, which is under no circumstances a financial support, a bond or a share. The difference is that said invention is a financial investment (1) in the death (5) of the participants in the no-risk investment fund. In effect, the investment fund mutualises the amount (1) of the nominative tickets (3) bought by the participants and redistributes the value (7) to the surviving participants following the death (5) of one or more participants. The management of this investment fund is simple, transparent and low-cost, given that there is no alternative investment and the redistribution is the essential result of profits generated by the death (5) of one or more participants. Furthermore, the nominative ticket (3) cannot be sold to a living physical person who has the required entry capital. As a result, the financial performance of each year is inevitably positive if there is a death (5), and in the worst-case scenario null if there are no deaths.