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The One Reason Why It’s So Hard To Pick Great Mutual Funds

January 18, 20243 min read

“Decision Paralysis” is worse than we had imagined.

Having too many choices and too much information about Mutual Funds can make deciding which to choose paralyzingly difficult, if not practically impossible.

On January 10th, we were surprised to see this brief article on “Analysis-Paralysis,” stating that: “By 2031, there could be one million managed investment products.” The article also points out that: “As of June 30, 2023, there were more than 742,000 products available.”

Wow! That’s dramatically more that we had estimated.

In many of our earlier posts, you’ll see us point out there are estimated to be well over 20,000 mutual fund and ETF choices. We believed 20,000+ to be a conservative under-estimate.

What we didn’t expect was finding out that we might have been under-estimating by a factor of 10X or more!

The article points out the largest single group of these investment choices is mutual funds and that the number of ETFs is also large and rapidly growing.

However, whether it’s a total of 20,000 or 200,000+ mutual funds and ETFs, there are so many choices and so much information about each as to make trying to evaluate which ones are best for you virtually impossible, without some way to manage such an overwhelming and growing volume of information.

Fortunately, there has been a significant advance in information technology – Rita℠ (the “Retail Investment Tracking Application℠) – that enables individual investors to score and rank any number of mutual funds and ETFs, within any asset class, in mere moments.

In doing so, it also effectively filters out all conflicts of interest, both known and unknowable.

Interestingly, there is a “professional” version of Rita℠ for professional investment advisors. It’s the Professional RapidReview Tool℠ (the “ProRRT℠”), with 48 performance factors. Without it, professional advisors are in virtually the same position as individual investors, with there being too many choices and too much information about them, rendering them similarly unable to objectively determine which might be “best” for any individual client.

Both Rita℠ and the ProRRT℠ utilize Decision Technologies Corporation’s patented decision-assistance technology that enables individual investors to select different performance parameters (Rita℠ has 24 factors) and individually weight them to match their degree of importance to the investor.

Using this blend of weighted performance factors, Rita℠ will score and rank all of the funds within any asset class and show the individual investor (you) how theirs (yours) did compared to all of the other choices you could have selected and not just to a benchmark index.

In this world of too many choices and too much information about them, Rita℠ was specifically designed to help individual investors (you) answer this key question: “Of all the available choices, which ones are best for me?”

Take The Rita℠ Challenge and see how good your mutual funds and ETFs REALLY are in comparison to others in which you could have selected.

Try it and see for yourself just how much money you may have been, and perhaps still are, “leaving on the table” by being in poor performing choices that you’ve had no meaningful way, until now, to comparatively evaluate.

It’s time to change things.

It’s time for you to benefit from the “true investor empowerment” that Rita℠ uniquely provides.

401(k)mutual fundsETFsinvestorsretirementfinancial productsiraretirement account
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Eric S. Smith, J.D.

Eric S. Smith, J.D. is CEO of Decision Technologies Corporation, and President and Investment Advisor Representative of Trustee Empowerment & Protection, Inc., a Registered Investment Advisor

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Why Rita℠?

Worried about picking the right mutual funds and ETFs for your investment portfolio or your IRA or 401(k)? Rita℠ is the solution. Rita℠ is the only Retail Investment Tracking Application℠ that quickly and easily answers this key question: "Of all the available choices of mutual funds and ETFs, which ones are best for me? With Rita℠, you can feel confident that you're picking the best mutual fund and choices for your future. Stop guessing what's best for you - let Rita℠ do all the hard work!

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Any investing-related information provided on sayrita.com is for educational purposes only. Decision Technologies Corporation does not offer investment advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular mutual funds, ETFs, or other investments.

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