Abstract: Methods and apparatuses, including computer program products, are described for assigning a risk profile to a guarantee product and charging associated fees. Risk profiles are established, each based on a risk level. A first risk profile is assigned to the guarantee product based on an initial allocation of assets in a linked investment account. A periodic determination is made as to whether the guarantee product is in compliance with the first risk profile due to initial asset allocation changes, including determining whether the asset allocation satisfies the risk level of the first risk profile. A second risk profile is assigned whenever the guarantee product is no longer in compliance with the first risk profile based on the current allocation of assets.

Abstract: Methods and apparatuses, including computer program products, are described for charging of fees associated with a guarantee product. A computing device calculates a fee associated with the guarantee product, wherein the guarantee product is linked to a first investment account. The computing device deducts the calculated fee from a second account if deduction of the fee from the second account can be completed. The computing device deducts the calculated fee from the first investment account if deduction from the second account cannot be completed, and a guarantee associated with the guarantee product is adjusted based on deduction of the calculated fee from the first investment account.