How do the RLC mutual fund portfolio models operate?

Returns at controlled risk. Each of our mutual fund portfolio models is defined by the level of risk to which it is exposed in the market. We then design each model to achieve strong returns within that risk level. Our strategy is not to beat the market, but to be in the market in a way that will protect clients' buying power and lifelong financial security.

How client accounts relate to portfolio models. Each client account is invested following a designated portfolio model. For example, if the Sleep Easy portfolio model buys a mutual fund with 15% of its assets, all individual client accounts invested under Sleep Easy also buy that mutual fund with approximately 15% of their assets.

Fund selection criteria. When designing or evaluating a mutual fund for a portfolio, RLC considers not only each fund's past performance and the market outlook, but also the stated philosophy and demonstrated abilities of the fund managers. As a result, some of the world's most accomplished stock and bond managers and their staffs of financial analysts, researchers and economists are working for our clients.

Growth and protection. RLC's active management works to both build client money through appropriate investment choices and protect those gains when the market weakens. Our Market Safety Net is a key tool for identifying when to become more defensive in our mutual fund portfolio models. The Market Safety Net tracks a variety of indicators to identify when it is appropriate to reduce or increase each mutual fund portfolio's exposure to the market.

No-load funds. We purchase all mutual funds on a no-load (no commission) basis. Because of the amount of money we manage, we are often able to invest in excellent "load" funds without paying the load, and to use institutional mutual funds that are unavailable to individual investors.

Spectrum of opportunities. As an independent advisory firm, we are free to choose from a vast universe of funds. This allows us to use only the best of the best that meet our portfolio models' stated objectives. We have no parent company influencing which funds we buy and receive no commissions or bonuses from those funds we do select.

Click to see descriptions of the portfolio models, including level of risk, targeted return, past performance, and composition. (Adobe Acrobat Reader is required to view the Portfolio Model Descriptions. If you do not have Adobe Acrobat Reader, click here for a FREE copy.