INDIVIDUAL INVESTORS...

                "Following a buy-and-hold philosophy is great for everyone except human beings."

RAM Capital Management offers individuals a unique opportunity to have their taxable and retirements accounts managed by a seasoned investment manager with 15 years of Wall Street equity experience and a 20-year track record of success. RAM maintains one of the longest tenured risk-managed equity portfolios in the country.

We believe our twenty-year record of stellar returns adhering to our Prudent-Growth* investment process sets us apart from all other comparable services offered by brokers, advisors, mutual funds and hedge funds alike.

By our estimate less than 1% of Wall Street equity portfolio-management services incorporate some form of portfolio “risk-management” which we believe is mandatory especially in the current volatile market environment. Typically these are offered by long-short style mutual funds and hedge funds but, unfortunately for individual investors, their record of long-term success is poor and/or too short lived.

The broker and advisor communities, having demonstrated no skill in this area as evidenced during the past two market crashes, have simply abandoned portfolio risk-management altogether. Their approach now favors a diversified buy-and-hold portfolio with their “buyer beware” disclaimer providing them cover while leaving their clients to handle the stress of portfolio risk-management. Ironically this does not stop them from collecting their management fees.

At RAM, on the other hand, we believe we offer investors a managed-portfolio executed for both capital-appreciation and capital-preservation. We believe our results since our founding in 1996, and presented here, bear this belief out.

In addition to RAM's lengthy record, we believe, unlike the mutual and hedge fund products, we bring this service to investors at a fair price. Wall Street offerings of mutual funds and hedge funds typically charge exorbitant fees and expenses that approach several percent per year. In spite of what we believe is a stellar record of risk vs return, RAM charges no performance fees or operating expenses.

Furthermore, unlike mutual and hedge funds that withhold portfolio details for many months, RAM’s collaboration with Charles Schwab allows investors to view their accounts live on-line 24/7. In addition, because the account remains in the client's possession, RAM offers the client flexibility as our oversight can be terminated at the investor's discretion on 24 hours written notice.

FEES...Wall Street hedge-fund and mutual-fund offerings, managed comparable to the style offered investors by RAM, charge exorbitant management fees, performance fees, and expenses that in aggregate cost investors several percent per year. RAM charges no performance fees or expenses.

For account balances up to $5 million there is a portfolio-management fee charge of 1% per year paid quarterly on the quarter’s opening balance and adjusted for any additions during the quarter. No other RAM fees or expenses are incurred. Accounts exceeding $5 million are negotiable.

The chart below shows how, relative to the stock market, RAM has appreciated while preserving capital, and thus investor staying power during the two 50% crashes. Compare this to your broker or mutual-fund manager's performance during this period and your staying power.

RAM Capital Management's services:

RAM Capital Management offers individuals the benefits of RAM’s disciplined Prudent-Growth investment portfolio developed since 1980 and executed continuously since 1996. Details regarding the execution of RAM's Prudent-Growth portfolio can be viewed under the "Investment Process" tab. The portfolio is held and executed in the client’s own stand-alone account held on RAM Capital Management's advisory platform at Charles Schwab & Co affording the utmost in security and accessibility.

Who benefits from RAM’s services?

1. Any individual or institution seeking exposure to the stock market but wishing to have the risk of long-term losses managed.
   
2. Anyone who is saving, or has saved, for retirement and is at a point in their career, or their retirement, when they would be unable to replenish these savings if their portfolio was to decline appreciably due to adverse market conditions or mismanagement.
3. Any institution managing funds on a fiduciary basis that are long-term in nature but seeking to be prudent during periods of stock-market overvaluation and investor speculation.

What does RAM offer?

1. RAM offers its Prudent-Growth* investment process ported into the investor's own Schwab account. It will then be continuously managed by RAM Capital Management, a disciplined investment-management firm possessing a 20-year record of performance.
2. In an investment climate where all securities, be it stocks or fixed-income, are now extremely expensive, RAM offers an investment process that allows retirement savings to be prudently invested with an objective of both capital-appreciation and capital-preservation.

Wall Street services have continually and spectacularly failed investors:

We believe Wall-Street brokers and independent advisors have no performance record to support their claim of assisting their clients prudently or otherwise. Furthermore, in aggregate, Wall Street products has under-delivered in the area of stock portfolios on behalf of their clients. The chart below shows investors have consistently generated long-term returns (the red bars) less than half that of the market (the blue bars). The evidence suggests disappointed clients simply rotate among similarly poor firms without success. Given these results is it any wonder individual Investors have become frustrated with stock investing?

With tens of thousands of both domestic and international stocks to pick from, plus the offering of a like number of exchange-traded and mutual funds, individuals and institutions can be forgiven for feeling overwhelmed with self portfolio-management. Add to this the volatility of the markets and is it any wonder that investors are left frustrated?

We recommend you compare the level of description and performance of our service with that of your current broker, advisor or portfolio-management service. We believe they will be severely lacking in both areas of disclosure.

Our process is adaptable to any investor of any age and can be seamlessly administered in an individual’s savings/checking account, IRA retirement account, 401k employer retirement account, or institutional portfolio.

The process for getting started is easy and once opened your account becomes our day-to-day responsibility to manage on your behalf. To be clear, you, not RAM, own the account which is held in your name at Charles Schwab & Co. You have all the access to the account as in any brokerage account. If, for any reason, you wish to terminate RAM's services you can do so on 24 hours written notice.

Please feel free to peruse this site and get in touch with us for further discussions.