INSTITUTIONAL INVESTORS...

The simple description of a fiduciary’s goal for third parties charged with managing assets on their behalf is to outperform their benchmark over the long term and to do so with less drawdown during the inevitable cyclical downturns.

At RAM Capital Management we label this two-pronged goal "Prudent-Growth" and no evidence better depicts the successful achievement of these dual goals of meaningful long-term returns with reduced drawdowns than the following chart of RAM's execution of its Prudent-Growth* investment process during the last 20 years. 

As an aside the above stock-market risk range is understated as the period is only the last 20 years of stock-market history from 1996 to 2015. The previous 50 years saw a market with significantly lower stock-market risk as shown in the chart below. The level of losses would be significantly greater it the market risk were to decline to levels of that era.

The chart below shows how, relative to the stock market, RAM appreciated greater than the market while also preserving capital during the last two 50% stock-market crashes.

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.