Abstract: A system and method for providing equity based benefits to a person dependent upon equity in property owned by the person is disclosed. The method is implemented on a computer based system and comprises securing a loan secured by a proportion of the equity, the loan having a principal value for a defined term, repaying the loan by periodically paying a simple interest charge being a fixed proportion of the principal, investing a residual of the loan, if an equity-based retirement savings option is elected accumulating earnings from the invested residual of the loan, and if a life-expectancy retirement annuity option is elected, making a periodic payment from the residual of the loan; wherein the principal value of the loan becomes due for repayment at the end of the term.