Abstract: A method for attaining a financial goal. Using a computer, an individual makes decisions that include whether or not to engage a skilled investor to select an investment mix of asset classes; to then produce a starting investment portfolio by populating the selected investment mix with appropriate assets; and to monitor and adjusting the investment portfolio over time. These determine a path along a decision tree. A computer may then determine the likelihood of meeting the financial goal. The investment mix of asset classes may be determined using computer-generated tables of rolling average, historic returns. The computer may also cross-check an estimated return of the selected mix to ensure that a needed return may be attained. An investment portfolio is then created by populating the asset classes with appropriate assets. The investment portfolio may be monitored and periodically readjusted back to the original mix of asset classes.

Abstract: A method for attaining a financial goal. Using a computer, an individual makes decisions that include whether or not to engage a skilled investor to select an investment mix of asset classes; to then produce a starting investment portfolio by populating the selected investment mix with appropriate assets; and to monitor and adjusting the investment portfolio over time. These determine a path along a decision tree. A computer may then determine the likelihood of meeting the financial goal. The investment mix of asset classes may be determined using computer-generated tables of rolling average, historic returns. The computer may also cross-check an estimated return of the selected mix to ensure that a needed return may be attained. An investment portfolio is then created by populating the asset classes with appropriate assets. The investment portfolio may be monitored and periodically readjusted back to the original mix of asset classes.