A method for providing a financial contract having a payout amount based on a specific return on an asset for a performance period. The method includes the step of determining the total return, risk-free return and common factor return associated with the asset over the performance period. Next, a specific return on the asset over the performance period based on the total return, risk-free return and common factor return is calculated. Finally, the payout amount is provided if the specific return meets payout criteria.