Investment returns and risks are largely determined by asset allocation decisions. What starts out as a strategy, though, must be accurately implemented by searching for the appropriate mutual fund or money manager.


Citations from ERISA and Third Restatement of case law often comment on the imprudence of fiduciaries that did not seek out money managers to invest their assets. Furthermore, an indication of the government's desire to have such decisions made by professionals is the inclusion of safe harbor rules governing the use of money managers. Under ERISA, these guidelines come close to providing an exculpatory clause for fiduciary conduct.


At R-Tech , we seek out (or review current) mutual funds and money managers both from a fiduciary aspect and their appropriateness within a portfolio or menu of investment options. Our due diligence process and search criteria incorporates many aspects. Some of the more common elements we apply are:

		Regression analysis - current and historical.
		Portfolio statistical evaluation.
		Asset and style composition.
		Total fees - visible and hidden.
		Relative return and volatility breakdown.
		Organizational evaluation.

In summary, R-Tech has the expertise and capabilities to thoroughly evaluate money managers. A Plan Sponsor can not review performance without a complete understanding of how that performance was derived. R-Tech will provide the brainpower and tools to assist your retirement plan committee in making educated decisions about their money managers.