Do you enjoy the protection of ERISA 404(c)? If you do not provide investment education for participants on a regular basis, then the trustees can be held liable for poor investment decisions of participants!
Through a series of regularly scheduled investment education seminars, the professional staff at RCM will endeavor to enhance the participant’s understanding of all aspects of investing. Plan participants are then equipped to construct an investment portfolio from among the investment choices in the qualified plan that will best meet their goals and objectives and address the participant’s individual risk tolerance.
For “participant directed” retirement plans ( 401(k), KSOP, 403(b), and Profit Sharing Plan) the goal of the professional staff at RCM is simple – to make a capitalist of each participant in the plan. Our goal is to educate participants in the benefits of being investors and not just savers.
For participant directed retirement programs, RCM offers plan participants two fundamental investment strategies – a series of Global Lifestyle Portfolios as well as an array of actively managed, stand alone mutual funds.
The Global Lifestyle Portfolios incorporate a passive investment management style utilizing a series of true institutional mutual funds. The mutual funds selected for incorporation into the Global Lifestyle Portfolios are managed primarily by Dimensional Fund Advisors of Santa Monica, CA. The funds rely on a dedication to asset class investing and offer a unique opportunity to plan participants to gain access to the same investment management techniques and methods available to only the largest investors and not available to the general public.
Because not every investor may share RCM’s institutional approach and philosophy, RCM also surveys the mutual fund market place to find the best no-load retail mutual funds for each specific asset class. RCM utilizes a multi-point checklist in selecting these “stand alone” mutual funds. Some of the criteria include an evaluation of the fund manager (tenure, evaluation of other funds managed, education etc.), consistent investment styles, inexpensive operating expenses, relative performance for 3,5, 10, and 15 years where applicable, MPT statistics (alpha, beta, R2), and a host of other considerations help us find consistent performers out of over 13,000 available mutual fund choices. RCM monitors all fund choices on a daily basis and performs quarterly evaluation of each fund again using the checklist, thus each fund must essentially be re-hired quarterly. | 
