Within the Financial Services Marketplace, The Best Help for Individual Investors Is Often Self-Help.

Rita℠ provides you investment-related information previously only available to professionals to individual investors. This information can help you to protect yourself from "Marketplace Risk" and to make sound investment decisions.

If I Can’t Get an Investment Advisor’s Help, Can RitaSM Help Me?

If I Can’t Get an Investment Advisor’s Help, Can Rita℠ Help Me?

March 26, 20243 min read

Yes, absolutely.

And Rita can help you in a way that most investment advisors currently cannot.

You see, what most investors need an investment advisor for is to help them design a diversified investment portfolio.

Advisors help them pick the asset classes (e.g., Large Cap Equity, Foreign Equity, Short-term Bonds, etc.) and determine the percentage of the investor’s investable funds to go into each.

While Rita doesn’t directly help you do this, it’s easier than you might imagine performing this important function on your own.

Here are all the steps you can take to do it yourself . . . and do it well:

1.    Simply type into your browser the following four words: “model investment portfolio examples.”

What you will see come up are links to the model portfolios of some of the largest financial services companies in the country, companies like Blackrock, Morningstar, Vanguard and a host of others.

Simply click on the links and explore the choices.

You’ll see that each has portfolios designed for wide range of investors, from conservative to aggressive.

After reviewing them, simply pick the one that you think best matches your needs, goals, and preferences.

Doing this will cost you only the time and effort needed to find an appropriate “match.” Importantly, you will also have the freedom to adjust the asset classes in that model to make it more of a custom fit for you. 

2.    Then, write down the names of the asset classes in that portfolio and the percentage amount of each.

3.    You will then open up an online discount brokerage account, if you don’t already have one - one that will allow you to buy and sell mutual funds and ETFs (not all will).

It’s not hard to set one up and transfer the funds you want to invest into it.

4.    The next step is where you pick the mutual funds or ETFs to purchase within each asset class.

Of the hundreds that are typically available within those asset classes, you will naturally want pick those that have proven best over time a producing the investment results you ideally want from each of those asset classes.

This is where Rita can help you do that in a way that even most investment advisors can’t.

5.    Now, log into Rita and type the name of the asset class into the search field.

When you do, 50 names of mutual funds and ETFs will appear, all of which are in that asset class.

6.    Randomly select any one of the listed funds. That fund will rise to the top of your screen. Then click on the “gear box” to run the analysis.

That particular fund will show up (highlighted in yellow), but that really doesn’t matter.

You’ll be interested only in the top scoring and ranking funds, after you’ve added the factors important to you and weighted them to best meet your performance goals and preferences for that asset class.

7.    Once you’ve decided with one(s) you want, purchase them inside your brokerage account using that percentage of your total investment dollars that you’ve allocated to that each particular asset class.

At the end of this process, you’ll have a professionally designed portfolio, copied from a major financial services company and custom adjusted (by you) to best match your needs, goals, and preferences.

And, within it, you will have an optimized selection of mutual funds and ETFs that have proven best over time at producing the investment results you are hoping for from those asset classes.

This process may produce a better result than what even far wealthier investors may be getting from within the investment advisory marketplace.

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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