Charles Alexander Castille

US Patent:

20090094069, Apr 9, 2009

Filed:

Oct 9, 2008

Appl. No.:

12/248826

Inventors:

Charles A. Castille - San Francisco CA, US
Peter L. Hand - Berkeley CA, US
Trevor T. S. Oliver - Emeryville CA, US
Kristi Mitchem Mawhinney - Hillsborough CA, US
Sunder R. Ramkumar - San Francisco CA, US

Assignee:

BARCLAYS GLOBAL INVESTORS N.A. - San Francisco CA

International Classification:

G06Q 40/00

US Classification:

705 4, 705 37

Abstract:

An investment fund maximizes an investor's risk-adjusted expected return on an investment while also providing the investor with a defined minimum level income upon the maturity of the investment. The investment fund comprises a risk-free portfolio and an upside portfolio. The risk-free portfolio holds risk-free assets that provide a defined minimum income stream upon a predefined maturity date, and the upside portfolio holds sophisticated assets that are only available to qualified investors that meet one or more investing criteria. As new contributions are added to the fund, they are allocated between the risk-free and upside portfolios so that the fund will provide a minimum defined income stream upon its maturity date, where this minimum income amount may increase as more value is added to the fund. Upon maturity, the investor receives the income stream from the risk-free portfolio and the assets from the upside portfolio.