Abstract: Methods and apparatuses, including computer program products, are described for performance attribution for an investment fund. A server determines a selected asset allocation for a primary investment fund based upon a manager-selected weight and asset class exposures. The server determines a first rate of return based upon the selected asset allocation. The server generates a comparison investment fund. The server determines a second rate of return for the comparison investment fund. The server compares the second rate of return and a third rate of return for the primary investment fund to generate a fund selection contribution value. The server compares the first rate of return and the second rate of return to generate an opportunity set contribution value. The server determines a level of performance attributable to a manager of the primary investment fund based upon the fund selection contribution value and the opportunity set contribution value.

Abstract: Methods and apparatuses, including computer program products, are described for dynamic pricing of guarantee products. A server computing device determines a fee factor for a guarantee product based on an allocation of assets in an investment account linked to the guarantee product. The server computing device assigns an investment profile to the guarantee product based on the fee factor. The server computing device determines a fee percentage for the guarantee product based on the investment profile and a fee payment option selected by an owner of the guarantee product. The server computing device generates a notification including a fee amount for the guarantee product based on the fee percentage.

Abstract: Methods and apparatuses, including computer program products, are described for dynamically determining a set of threshold interest rates associated with a guaranteed life insurance product. A computing device determines an in-effect set of threshold interest rates for the product based on a target profit value for the product and applies the in-effect set of rates to an application for the product upon receipt of the application. The computing device determines periodically whether to modify the in-effect set of rates based on a comparison of an estimated profit value to the target profit value. If the computing device determines that the in-effect set of rates is to be modified, the computing device calculates a modified set of rates and applies the modified set of rates to the application on its issuance date, if the modified set of rates is higher than the set of rates currently applied.

Abstract: Methods and apparatuses, including computer program products, are described for charging of fees associated with a guarantee product. A computing device calculates a fee associated with the guarantee product, wherein the guarantee product is linked to a first investment account. The computing device deducts the calculated fee from a second account if deduction of the fee from the second account can be completed. The computing device deducts the calculated fee from the first investment account if deduction from the second account cannot be completed, and a guarantee associated with the guarantee product is adjusted based on deduction of the calculated fee from the first investment account.

Abstract: Methods and apparatuses, including computer program products, are described for assigning a risk profile to a guarantee product and charging associated fees. Risk profiles are established, each based on a risk level. A first risk profile is assigned to the guarantee product based on an initial allocation of assets in a linked investment account. A periodic determination is made as to whether the guarantee product is in compliance with the first risk profile due to initial asset allocation changes, including determining whether the asset allocation satisfies the risk level of the first risk profile. A second risk profile is assigned whenever the guarantee product is no longer in compliance with the first risk profile based on the current allocation of assets.

Abstract: A data processing system for selectively determining an appropriate balance of credit parameters associated with the issuance of Reverse Equity Mortgage financing. The system manages the risk associated with the credit by structuring a concurrent single premium deferred annuity to provide future cash flows starting at a system determined date corresponding to actuarially determined requirements of the borrower. The data processing system accepts inputs of the critical data required to perform the calculations and provides a detailed assessment of the proper level of credit and blend of annuity payments for the borrower, thereby solving the principal problem associated with RM products. Thereafter, the system provides the management for the plural current and past accounts associated with the client-based attributes for each lending opportunity.