Investment Services

In our role as investment advisor, RTD provides valuable investment and planning services. Many 401(k) plan programs offer basic services but RTD’s program provides extensive investment services:

These services include:

  • Mutual fund analysis, objective selection and on-going evaluation
  • Fiduciary services and support
  • Actively-managed asset allocation portfolios (at no additional cost)
  • Participant investment education services
  • An Investment Policy Statement

Investment Philosophy

Provide participants who have varying levels of investment knowledge
the ability to select or create diversified portfolios that meet their individual retirement goals.

RTD’s investment objective is to help each employee maximize his or her standard of living in retirement through professional investment services. This objective is accomplished through a systematic investment process that begins with analysis and selection of top quality mutual funds. Using the selected funds, diversified investment portfolios are then constructed and managed to pursue distinct investment objectives.

Self Directed Investment Strategy

This program features a carefully selected group of mutual funds from some of America’s leading mutual fund companies.

From the thousands of mutual funds available through our custodians, RTD’s proprietary selection process provides a collection of best in class investment options representing each major asset class.

Individual funds are analyzed and selected based on the following criteria:

  • Security selection and investment style
  • Historic performance and ratings
  • Experience and tenure of fund management
  • Portfolio characteristics
  • Suitability for use in an asset allocation strategy

The result of this selection process is an optimal group of mutual funds for retirement investing we call the RTD Self Directed Investment Strategy. The RTD Self Directed Investment Strategy funds span a broad range of investment types and management styles, allowing participants to construct a diversified portfolio to pursue virtually any investment objective.

In addition, each fund within the RTD Self Directed Investment Strategy is subject to continuous professional evaluation. Funds are periodically added to enhance the selection of funds available to plan participants. In some cases, funds are also removed from the RTD Self Directed Investment Strategy due to factors such as poor investment performance, fund management turnover and/or questionable management practices.

Managed Portfolio Strategy

In addition to the RTD Self Directed Investment Strategy, RTD offers five professionally-managed investment portfolios known as the RTD Managed Portfolios. Each RTD Managed Portfolio consists of a strategic blend of mutual funds and is designed to pursue a distinct investment objective ranging from preservation of capital to maximum long-term growth.

Portfolio allocations are opportunistically rebalanced to ensure that each portfolio’s asset mix remains consistent with its stated investment objective, as well as the changing conditions in the economy and financial markets. This active, professional portfolio management improves the chances of achieving each portfolio’s investment objective.

One of the primary advantages of working with RTD is that participants can simply select a suitable RTD Managed Portfolio based on their individual investor profile and can avoid the complicated and intimidating task of constructing and maintaining an appropriately diversified portfolio. Recent surveys indicate that the majority of employees prefer the independent, professional management that each portfolio provides.

Professional Investment Advisory Services

To help participants establish their personal retirement savings strategy, RTD provides plan participants with investment guidance from qualified professionals. All of our advisors carry the CFP®designation, the gold standard of financial certification.

These valuable services, usually available only to the most affluent investors, are designed to help each participant maximize his or her standard of living in retirement. In addition, these services often increase participation and contribution levels among rank-and-file participants, allowing the plan’s highly compensated participants to contribute more money.

“It is our mission to ensure that all of your participants have the tools and
resources available to assist them in achieving
their retirement savings goals.”

Due Diligence and Monitoring

The Department of Labor considers plan fiduciaries to be investment experts.
Did you know that you may be held personally liable for
poor investment performance?

A solid investment due diligence process is critical for plan sponsors, trustees and plan fiduciaries. RTD helps you manage your fiduciary responsibility through our systematic, quantitative, and qualitative investment analysis. We develop a customized Investment Policy Statement (IPS) by discussing and exploring the reasons for installing a 401k plan at your company and then assist you to adhering to your IPS. The IPS is critical to measure plan performance and is one of the first documents requested by the Department of Labor (DOL) should your plan be audited. The IPS provides a definitive outline of steps that will be taken for the management, review and monitoring of the assets of the plan, and is evidence of the financial stewardship to participants. It also assists in the documentation of all investment decisions by providing a paper trail of policies, procedures, and practices for investment decisions.

The DOL requires a prudent approach to the operation of your company’s 401(k), and RTD is there to provide you with continuous monitoring for significant changes or failures in combination with a formal documented annual monitoring review. RTD Monitoring process includes:

  • Monitoring investment choices on an on-going basis to ensure that they remain suitable for the plan.
  • Monitoring fees and expenses which can represent the majority of the total 401(k) plan fees. Plans with higher than average fees will produce less money for participants when they retire.
  • Monitoring and providing the day-to-day operational aspects of the plan including coordinating plan participants' requests and questions.

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