Method and System for Guaranteeing Return on Funds Rolled Over into Qualified Plan

摘要

The invention is a method and a system for guaranteeing a specified return on funds transferred, or rolled over into, a qualified plan for a specified period of time by paying out the differential between the participant's calculated actual return over the specified term and the specified guaranteed return. The specified guaranteed return is generally tied to a financial index (ex. S&P 500). This method provides participants in a qualified retirement plan, such as a 401(k) or other individual retirement account (IRA), with the necessary time to analyze the investment offerings in the qualified plan or IRA the funds are rolled into. The specified term is generally short, ranging from 30 days to 1 year, but is not limited to this time frame.