Abstract: An automated funds management system and in particular a system and a method to at least ensure the payment of guaranteed minimum income benefit (“GMIB”) based on the automated sector based allocation of funds in a variable annuity. A contract holder's profile data is evaluated and a profile score is computed based on the evaluated profile data. The GMIB payment stream value is computed based on the available profile data and the assigned profile score. An appropriate asset class percentage allocation of contract holder funds is recommended based on the assigned profile score and the computed GMIB payment stream value. Appropriate subaccounts are identified based on the defined asset class percentage allocation of contract holder funds, GMIB payment stream value, and/or profile score.

Abstract: A method includes receiving market data associated with an investment product that specifies a first guaranteed annual withdrawal amount and a second guaranteed annual withdrawal amount, where the first guaranteed annual withdrawal amount is greater than the second guaranteed annual withdrawal amount. The method also includes automatically selecting a guaranteed annual withdrawal amount from the first guaranteed annual withdrawal amount and the second guaranteed annual withdrawal amount based on at least an evaluation of the market data.