TIP$TER projects the safe, sustainable retirement budget that a tax-deferred portfolio fully invested in Treasury Invested Protected Securities (TIPS) would support.  Then, it projects and compares the volatile range of retirement budgets that a diversified portfolio would support.
Prospercuity: The Vision

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    If TIP$TER 2.0 is successful in garnering the attention it "humbly" deserves, amidst all the misleading noise dished out to investors, then Prospercuity will consider several options for its future.

Option 1: Team Up With An Established Vendor

    The most attractive option would be to join forces with an existing financial planning software vendor.  This would be the most efficient direction, because TIP$TER could then quickly and efficiently leverage the vendor's existing software architecture, most especially its tax optimization and internet platform software.  The vendor would also stand to benefit from the impressive intellectual property portfolio Prospercuity is developing.

    But if no existing industry player expresses sufficient interest – a very real possibility, considering how committed most industry players are to their flawed return models – then Prospercuity's next best option will be to develop a team that will turn TIP$TER into a formidable competitor to the industry giants.

Option 2: Building a Team

    Prospercuity's most likely next step will be to seek human capital.  TIP$TER would break through the barriers to entry if it acquired, as a team member, a respected and acclaimed economist.  Prospercuity could certainly use the publicity and credibility such a team member could offer.

    Prospercuity would also need:

  • a capable and experienced computer programmer (to develop an online version),

  • a tax expert, and

  • a top-of-your-class Ph.D. level statistician or mathematician

The challenge is to build a business structure (incidentally, TIP$TER's creator is not a business attorney) that:
  • gives team members share ownership that is fair and that grows in proportion to their labor and other contributions (i.e., avoids free-riding by idle shareholders);
  • gives Prospercuity's controlling shareholders the flexibility to raise needed capital – both the monetary and human kind – without unfairly diluting the remaining shareholders;
  • minimizes the probability of costly, time-consuming disputes between shareholders (e.g., an auction mechanism; arbitration); and
  • preserves Prospercuity's creator's independence and freedom to pursue other pursuits

In the coming months, Prospercuity will be considering ways to structure such a business arrangement.