Abstract: The present invention relates to a financial asset product and a method for creation thereof, including a plurality of component instruments and a link among the components that interrelates the components as a unitary portfolio. The terms or other parameters of the components are arranged according to a preset plan of the depositor/investor. The method may include the steps of assessing the financial needs or goals of the depositor or investor, developing a predetermined or preset plan or strategy for the purchase, management, maintenance, sale, withdrawal and/or exchange of financial instruments. The instruments may be acquired at one time or over a period of time, also according to a preset plan.