Narrowing down the overwhelming options available.  Choosing and monitoring the appropriate investments offered in your plan is a serious fiduciary task.   Rehmann provides independent investment analysis to assist you with this important responsibility.  Our Capital Management Group searches the investment marketplace—evaluating money managers and their investment approaches, styles, products and performance—to deliver an impressive selection of investment options.

We have adopted a thorough approach to reviewing and analyzing investment options. Fifteen specific criteria are used to evaluate equity managers and 19 are used for fixed-income managers.  When appropriate, we also utilize the expertise of Rehmann Corporate Investigative Services to provide thorough due diligence on the selective money managers.
 
Our investment solutions—based on analytics, strict due diligence and advanced portfolio construction techniques—are the result of a prudent and forward-looking philosophy:

• Use impartial, independent research to aid in the management review and portfolio construction process
• Grant access to a broad range of premier investment managers who are carefully vetted and held accountable for their performance over time
• Offer true diversification through the use of alternative as well as traditional investment products

Collective Investment Trusts

Also, working in conjunction with our Adviceware solution, we provide access to a number of Collective Investment Trusts, institutional products designed specifically for use in ERISA-qualified retirement plans.  Collective Investment Trusts can assist plan sponsors and participants in several ways:
 

• Assist participant asset allocation
• Operational simplicity and flexibility
• More efficient trading
• Completely customizable for larger plans
• No redemption fees or trading restrictions at the fund level
• Fee transparency
• Low trading costs
• Potentially lower, more customizable fees

This material is intended for educational purposes only and is not an offer to buy or sell any securities.  As with all investments, you should read all applicable fund information carefully before making a decision. 
Investment products discussed are subject to risk, including the potential loss of principal invested.  Additionally, investment products are:
* Not FDIC Insured
* May Lose Value
* Not Bank Guaranteed

CIFs are not sold by prospectus.  They are sold using an offering document referred to as the Declaration of Trust, which contains a description of the fund and the provisions governing each fund. Net Asset Value (NAV) of a CIF generally does not reflect the deduction of investment management fees, although it does include fund expenses.  Certain funds may offer multiple share classes, some of which may have NAVs reflecting the deduction of the management fee for that class of shares.

CIFs generally do not pay out dividends or capital gains.  All income and earnings are reinvested back into the fund with a resulting increase/decrease in share price.  The exception to this is generally found in stable value funds.

Securities offered through Royal Alliance Associates, member FINRA/SIPC. Investment advisory services offered through Rehmann Financial, an SEC Registered Investment Advisor not affiliated with Royal Alliance Associates.