Abstract: A method and apparatus of a device that performs goals-based investing using an account-level target is described. In one embodiment, the device processes data representing a plurality of goals of an investor, an investment style for each goal, an account for funding the goals, and initial funding levels for each goal to create a goal-level target for each goal. The device creates an account-level target based on the goal-level targets and an initial blend ratio that is formed from the initial funding levels. The device manages a purchased portfolio of the investor using the account-level target. The device allocates funds of the purchased portfolio to the goals such that the allocated funds update the funding levels for each goal. In a further embodiment, the device updates the account-level target based on an updated blend ratio, where the updated blend ratio is formed from the updated funding levels for each goal.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for preferred portfolio templates. One of the methods includes identifying a base data structure, the base data structure having nodes, each node of the base data structure having attributes. The method includes generating a dependent data structure based on the base data structure, each node in the base data structure having a corresponding a node in the dependent data structure. The method also includes determining whether to automatically change an attribute of a node in the dependent data structure in response to a change in an attribute of the corresponding node of the base data structure.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for preferred portfolio templates. One of the methods includes identifying a base data structure, the base data structure having nodes, each node of the base data structure having attributes. The method includes generating a dependent data structure based on the base data structure, each node in the base data structure having a corresponding a node in the dependent data structure. The method also includes determining whether to automatically change an attribute of a node in the dependent data structure in response to a change in an attribute of the corresponding node of the base data structure.