|
Current Plan Analysis and Fiduciary Review |
|
R-Tech will conduct an analysis of your current administrative and investment environment.
This analysis will include items such as an evaluation of your plan objectives,
participant reporting and education, investment strategies and policies, ERISA compliance,
revenue sharing, trustee/custodial structure and cost analysis.
|
|
|
|
|
|
Asset Allocation Study |
|
R-Tech will evaluate your risk and return requirements, time horizon and relevant
constraints. Our firm will propose optimal asset allocation strategies against the
backdrop of the capital markets. This study will include items such as standard
deviations, best and worst case scenarios, correlation coefficients, etc.
|
|
|
|
|
|
Investment Policy Statement Development |
|
R-Tech will construct an IPS which combines elements of planning and philosophy
and will cover the steps in the management process, starting with information about
your plan, assets and the portfolio(s), working through asset allocation and manager
selection and finishing with performance monitoring. The following primary components
include:
|
|
|
 |
Purpose and Background. |
|
|
Statement of Objectives. |
|
|
Administration. |
|
|
Guidelines and Investment Policy. |
|
|
Securities Guidelines. |
|
|
Selection of Mutual Fund or Money Managers. |
|
|
Control Procedures. |
|
|
|
|
|
|
|
Investment Manager/Mutual Fund Evaluations and Searches |
|
R-Tech will review your current (or seek out) investment manager(s) -- both from
a fiduciary aspect and their appropriateness within the portfolio(s). Following
is a sample of the items covered:
|
|
|
|
|
Regression analysis - current and historical. |
|
|
Portfolio statistical evaluation. |
|
|
Modern Portfolio Theory (MPT) analysis. |
|
|
Asset composition. |
|
|
Total fees - visible and hidden. |
|
|
Relative return and volatility breakdown. |
|
|
|
|
|
|
|
Administrative Searches and Implementation |
|
R-Tech will evaluate, propose and coordinate custody, trust and recordkeeping service
providers. Such items to be considered include total costs, technological capabilities,
information flows, legal requirements and various administrative issues unique to
your organization.
|
|
|
|
|
|
Performance Reporting |
|
R-Tech will monitor and report on the performance of your portfolio(s). Included
are on going economic and market reviews, portfolio analysis, performance measurement
and portfolio accounting. These reports will be AIMR (Association of Investment
Management and Research) compliant. Our firm can also provide abbreviated performance
reports to your participants. These include performance by fund option with appropriate
benchmarks.
|
|
|
|
|
|
Participant Education |
|
R-Tech will conduct on-site education to your plan participants. Included within
this service is the following:
|
|
|
|
|
Information on investment fundamentals, including the importance of diversification
and the asset allocation decision. |
|
|
The relationship between risk and return. |
|
|
The impact of the investment time horizon and the effect of inflation on investments. |
|
|
Instruction on the time value of money, particularly the effects of compounding. |
|
|
Discussion of the assets that make up each of the different investment options. |
|
|
Relative return and volatility breakdown. |
|
|
The importance of each participant maximizing contributions, especially if there
is a plan sponsor match feature. |
|
|
|
|
|
|
|
Participant Investment Advice |
|
R-Tech will provide unbiased, personalized investment advice to your plan participants.
This is available one-on-one or through the R-Tech web site. Your participants will
now have the capability to answer three important questions:
|
|
|
|
|
Will I have enough to retire? |
|
|
How should I invest for retirement? |
|
|
What do I do when markets change? |
|
|
