| CPC G06Q 40/06 (2013.01) | 18 Claims |
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1. A computer-implemented method of managing a plurality of investments for a plurality of investors on a computer system that maintains investor accounts, comprising:
receiving, by the computer system, during a first period, from each of a plurality of investment advisors, each of whom is different from the plurality of investors, a plurality of investment strategies, each investment strategy of the plurality of investment strategies comprising a plurality of model portfolios, each model portfolio of the plurality of model portfolios comprising a plurality of first indications, each of the plurality of first indications indicating a percentage of the model portfolio to be allocated to an investment of the plurality of investments;
receiving, by the computer system during a second period after the first period, from each of the plurality of investors, a selection of one of the plurality of investment advisors and answers to a plurality of questions;
linking, by the computer system, each of the plurality of investors to a model portfolio of an investment strategy of one of the plurality of investment advisors, responsive to the answers received and the selection of each of the plurality of investors;
investing, by the computer system during a third period after the second period, funds of each of the plurality of investors responsive to the plurality of first indications in the model portfolio to which each of the plurality of investors is linked;
receiving, by the computer system, from one of the plurality of investment advisors during a fourth period after the third period, a second indication indicating an updated percentage of one of the investments of the plurality of investments of a model portfolio of the one of the plurality of investment advisors, the second indication superseding one of the plurality of first indications of the model portfolio of the one of the plurality of investment advisors;
rebalancing, by the computer system during a fifth period after the fourth period, the investments of a subset of the investors of the plurality of investors, the rebalancing including adjusting allocations of investments of the plurality of investments of the subset of investors to align with the plurality of first indications and the second indication of the model portfolio linked to each investor of the subset of investors, the subset of investors of the plurality of investors being investors whose investments are not aligned with at least one of the plurality of first indications and the second indication prior to the rebalancing; and
receiving at the computer system, during a sixth period after the fourth period, an instruction to change an amount of the funds invested by an investor:
responsive to the instruction comprising an increase in the funds to be invested for the investor, purchasing for the investor investments aligned with the plurality of first indications and the second indication of the model portfolio linked to the investor; and
responsive to the instruction comprising a decrease in funds to be invested for the investor, selling a portion of at least one investment to maintain alignment with the plurality of first indications and the second indication of the model portfolio linked to the investor via a Transmission Control Protocol/Internet Protocol-compatible communication interface.
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