he is not obligate to purchase the share but is unable to obtain the return of his 1 000 option purchase in another aspect of this invention pharmaceuticals that must undergo the fda approval process may be the subject of investment in the same manner that intellectual property is the subject of investments in the examples above thus a new drug may enter the fda approval process and be assigned a value x as various stages of the approval process occur the investment value will increase to x a x b x c etc where a b c etc are predetermined or variable increase or decrease factors that are added to x as the related phases of approval occur or fail in this way a formulaic approach to investing insuring hedging in drugs undergoing fda approval is achieved this embodiment is particularly applicable with respect to charitable or other non profit organizations that are looking to obtain funds to be invested in causes such as a cure for a disease such as cancer for example a charitable entity may solicit funds that are earmarked for use in research of a cure for cancer the funds collected may then be invested as described herein so that the value of the investment would vary as a function of various stages of the drug 39 s development u2014 including but not limited to research and development fda approval etc as the drug development process enjoys positive results the value of the investment rises and it sees negative.