A method for providing an investment account comprises storing an account associated with an owner, wherein the account comprises a plurality of instruments. The account is associated with a current value based at least in part on the plurality of instruments and with a base amount that is periodically adjusted to be the greater of the current value or the base amount prior to the adjustment. The method continues by updating the account based at least in part on one or more trading orders associated with the owner. The method continues by receiving an initial request to withdraw funds from the account. In conjunction with receiving the initial request, the method continues by determining an allowance amount based at least in part on the base amount. The method continues by permitting the withdrawal of the allowance amount from the account. If the current value of the account falls to zero, the method concludes by initiating one or more annuity payments based at least in part on the allowance amount.