Participants

Helping You Retire With More Assets, Security and Dignity

Improving the Long Term Performance of Your Account

Study after study has demonstrated that the actual investment results of mutual fund investors (both inside and outside of retirement plans), due to poor choices, is far below that of the actual average return of the actual mutual funds in which they invest. In fact, it has been significantly worse. Over extended periods of time, this shortfall has ranged from 4% to 8% per year less.
Dalbar - Quantitatvie Analysis of Investor Behavior

This could lead to a loss in return potential of tens to hundreds of thousands of dollars over the long term. More importantly, improving investment decisions can greatly improve the comfort, security and dignity of your retirement. Improving long term investment results is at the core of what RCG seeks to do.

Hire the Professionals, Cut Wasted or Hidden Costs or Utilize Resources More Wisely

Although each situation is unique, RCG follows the same three pronged approach to help you earn more from your 401k plan. Your plan may use one, two or all three of the methods noted above. RCG helps your company to identify and either reduce or eliminate wasted or bloated fees so that when you invest, more money is actually going to work towards your retirement.

The most important issue that we seek to address is to recognize that participants, business owners and trustees are not professional money managers. Today's investment world is complex, global and fast moving. That is why RCG generally recommends hiring a recognized expert professional portfolio management firm, who agrees to accept fiduciary liability, to make these critical decisions. This can be done even in cases where participants wish to retain the ability to choose their own investments.

Education Geared at Helping You Retire More Successfully

Most 401k plan education focuses on the wrong solution. It seeks to make you a better portfolio manager and involves complicated calculators, investment choices and asset allocation discussions. It is overwhelming, confusing and, arguably, leads to the types of poor results described above. RCG helps you to focus on how you can pursue the most successful retirement. Our educational information concentrates on helping you decide how much to save and when to target your retirement.