Abstract: In an example implementation of an app downloadable on a computing device of a user, a method implemented by processing power of the device may enable the user to achieve a desired life event goal such as a balanced retirement cash flow plan. In the method, financial information is ingested from the user, and an average monthly retirement expense figure is estimated based on publicly available, actual expense information of like-kind individuals in a financial position similar to the user. An average monthly income figure is calculated in order for the user to achieve his or her life event goal, and a geometrical image representing both the calculated monthly income and estimated average monthly expenses figures is displayed on the computing device for review by the user.

Abstract: A computer-implemented method of locking-in investment gains can include initializing an investment fund having a net asset value per share. The investment fund can include assets allocated to at least a discount instrument and a derivative instrument, where the discount instrument provides a floor value of the net asset value per share. The method can further include selecting a target value for the investment fund. In addition, in some instances, the method can include reinitializing the investment fund in response to one or more of the following: (a) the investment fund at least achieving the target value and (b) expiration of an investment period of the investment fund. Reinitializing the investment fund can include rolling over the assets of the investment fund.

Abstract: The present invention is a computer-implemented system and method to create an optimal investment plan given wealth goals stated in probabilistic form, and to display the resulting probability distributions of wealth accumulations at future times where the method provides inputs for entering and storing in a computer target and fallback scenarios and required probabilities, computes rate of return values responsive to the user input, generates an efficient portfolio array, computes probabilities for the efficient portfolio array related to the rate of return values, iteratively compares the array probabilities so that the target and fallback scenario probabilities are satisfied and an optimum efficient portfolio is selected and then provides a graphical representation of the selected efficient portfolio.