Abstract: A retirement fund program managed by computer software requiring an initial fixed investment and producing an ever increasing revenue stream to a group of participant investors organized by life expectancy and grouped into an investment partnership. A financial portfolio is created from the monies invested by each investor and is used to manage high quality securities to generate income for the partnership. Periodically, the surviving members of the partnership are entitled to receive the revenue generated from the portfolio, which statistically will increase as fewer participant investors survive. The partnership can purchase term life insurance on each participant investor, so that the initial investment can be returned to the estate of a participant investor if the participant investor becomes deceased during the program. Upon termination of the program, all remaining assets will be distributed pro rata among the living participant investors of the investment partnership.

Abstract: A retirement fund program managed by computer software requiring an initial fixed investment and producing an ever increasing revenue stream to a group of participant investors organized by life expectancy and grouped into an investment partnership. A financial portfolio is created from the monies invested by each investor and is used to manage high quality securities to generate income for the partnership. Periodically, the surviving members of the partnership are entitled to receive the revenue generated from the portfolio, which statistically will increase as fewer participant investors survive. The partnership can purchase term life insurance on each participant investor, so that the initial investment can be returned to the estate of a participant investor if the participant investor becomes deceased during the program. Upon termination of the program, all remaining assets will be distributed pro rata among the living participant investors of the investment partnership.

Abstract: A retirement fund program managed by computer software requiring an initial fixed investment and producing an ever increasing revenue stream to a group of participant investors organized by life expectancy and grouped into an investment partnership. A financial portfolio is created from the monies invested by each investor and is used to manage high quality securities to generate income for the partnership. Periodically, the surviving members of the partnership are entitled to receive the revenue generated from the portfolio, which statistically will increase as fewer participant investors survive. The partnership can purchase term life insurance on each participant investor, so that the initial investment can be returned to the estate of a participant investor if the participant investor becomes deceased during the program. Upon termination of the program, all remaining assets will be distributed pro rata among the living participant investors of the investment partnership.

Abstract: A retirement fund and method for operating to produce an ever increasing revenue stream to a group of investor participants who are selected statistically based on the longevity into a pool of investors. An investment partnership is created with the selected investor participants. A financial portfolio is created from monies from each investor. The money is used to purchase high quality securities that generate income for the investment partnership. As each year of the investment partnership passes, the surviving members of the investment partnership are entitled to receive the revenue generated from the portfolio which statistically will increase yearly for the living members that survive. The investment partnership can purchase term life insurance on each investor participant used to pay back the initial investor participant who becomes deceased during the term of the investment partnership so that each investor or his estate receives his initial investment back.

Abstract: The instant invention is a method and apparatus for administering a program to senior citizens for managing and distributing the interest from pooled government bonds or the like. The program derived around a bond fund unit of various security offerings to specific groups of senior citizens having a common age and financial goal. As long as the participant is alive, the participant will share equally in an increasing income stream derived from the interest from the security due to the number of decreasing participants in a fixed pool based on the participant's initial investment. The income producing bonds jointly pooled and singularly administered based upon U.S. Treasury bonds whose resulting interest is distributed to the remainder of living participants while bond maturity value remains payable to the participant or their estate. The program aids the participants and managers involved with the program regarding Fund assets, statistical predictions, and dividend distribution.