Frequently Asked Questions

Who are your clients?
Anyone who wants to simplify, consolidate and delegate the management of their investment portfolio.

 

Why RamseyInvesting.com?
RamseyInvesting.com is the culmination of Karen Ramsey's dream of serving a broad audience of investors.

Representing years of thought and careful research of the market, this service is the only one out there, to our knowledge, that provides the following benefits - in full combination -to those people with $50,000 or more to invest:

• The lowest portfolio minimum, along with...
• The most investment choices, along with...
• No conflict of interest (i.e. we don't make commissions on the products we recommend or recommend proprietary products), along with...
• Three different investment styles from which to choose that best fit a person's individual needs: active, socially responsible, or passive, along with...
• The best service in regard to regular reviews, on-demand portfolio performance reports, and reallocation of funds when the market changes.

Some companies may allow a lower portfolio minimum but restrict clients to their proprietary products. Others may have lower service fees but a higher portfolio minimum. RamseyInvesting.com offers benefits in the best possible package, with the $50,000 minimum being the lowest possible portfolio size that allows the diversity necessary for secure investing.

In short, clients of RamseyInvesting.com get the same top-notch service and respect that mutli-million dollar clients get. Most importantly, clients will find, as they watch their assets grow, that they are building a relationship with an investment manager who genuinely cares that money becomes a force in their life for freedom, power, and full self-expression, and that ultimately supports their and their family's deepest well-being and hope for the future.

 

What services does RamseyInvesting.com offer?

• Personalized Risk Tolerance assessment
• Asset Allocation review based on your Risk Tolerance
• Diversified investment styles including:
• Active Investing
• Socially Responsible Investing
• Passive Investing
• Implementation of chosen investment style
• On-going monitoring of investments
• Rebalancing of your portfolio every six months
• Performance reports available on-line twenty-four hours a day
• Tactical reallocations at any time based on market, economics or interest rate conditions
• Annual phone review with client

 

What is a mutual fund?
Please click here to read about Mutual Funds.

 

How do I become a client?
Click on this link "Create a client profile" to set up a profile and complete a Risk Tolerance Questionnaire.

 

What are the credentials of the financial advisors and of the firm itself?
We have two financial planners, Karen Ramsey and Shawn Donnelly, both of whom are Certified Financial Planner™ practitioners. Ramsey & Associates is a Registered Investment Advisor with the Securities and Exchange Commission, and both planners are NAPFA-Registered Financial Advisors of the National Association of Personal Financial Advisors (NAPFA), an organization of fee-only financial planners.

 

When will I talk to a financial advisor?
Each client will have 3 phone conversations with a financial advisor, if desired. After you begin working with RamseyInvesting.com you will have an annual review phone call with a financial advisor.

 

What does it mean to be a "fee-only" financial advisor?
A fee-only financial advisor is one who is compensated solely by the client, with neither the advisor nor any related party receiving compensation contingent upon the purchase or sale of a financial product.

 

Where will my investment account be located?
The custodian that we use is Charles Schwab, Inc.

 

Is this service free? What are your fees?
No, this service is not free. Please click here to see our fees.

 

How are you paid?
After you setup an account at Charles Schwab that RamseyInvesting.com has the authority to manage, we will withdraw our fee directly from that account on a monthly basis.

The RamseyInvesting.com management fee will be calculated after the end of each month, based on the value of the account for the entire month, including adjustments for inflows and outflows.

 

When are you paid?
RamseyInvesting.coms management fee is deducted monthly from your account. This will happen at the beginning of each month for the preceding month.

Example: The fee for the month of January will be deducted from your account in early February.

 

Are transaction fees included in the RamseyInvesting.com management fee?
No. Some of the funds that we recommend have transaction fees. These fees are charged by Charles Schwab to complete the recommended trade.

 

Do you work on a Retainer basis?
Yes. We only offer investment management on a yearly retainer basis. Please click here to see the fee page for more information.

 

Do you work on an Hourly basis?
No.

 

How do you select the no-load mutual funds you recommend?
The no-load mutual funds we select are initially screened through the Morningstar database. The funds that pass this screening then go through a more in-depth analysis by the RamseyInvesting.com Investment Committee. On a quarterly basis, the RamseyInvesting.com Investment Committee reviews all recommended mutual funds. This review includes evaluations of performance versus indices, similar mutual funds, and consistency of investing style. This quarterly review also includes an evaluation of other no-load mutual funds that potentially would be added to the ones we recommend.

 

What mutual fund families do you use?
We recommend a wide variety of mutual funds from many different fund families. The fund families represented in our recommendations include Ariel, Artisan, Baron, Calvert, Fidelity, Harbor, PIMCO, Vanguard, etc.

 

Will I have access to institutional mutual fund share classes?
Yes. For some mutual funds RamseyInvesting.com is able to provide it's clients access to institutional mutual fund share classes with lower fees than are typically available to individual investors.

 

Why mutual funds and not individual stocks?
Please click here to read about Mutual Funds.

 

What is Internal Rate of Return (IRR)?
The IRR is the single rate of return that makes everything you put into the investment equal to everything you took out. The internal rate of return takes into account the timing of cash flows into or out of the portfolio.