Frequently Asked Questions
Who are your clients?
Anyone in the US (with at least $50,000 to invest) who wants to simplify, consolidate, and delegate the management of their investment portfolio.
RamseyInvesting.com is the culmination of Karen Ramsey's dream of serving a broad audience of investors. We are perhaps the only financial service company in the marketplace to provide all of the following benefits to those with $50,000 or more to invest:
Some companies may allow low portfolio minimums but restrict clients to expensive proprietary investment products. Others may have low fees but often require much higher portfolio minimums.
Our goal is to provide clients of RamseyInvesting.com the same respect and quality of investment advice given to multi-million dollar clients.
How do I become a client of RamseyInvesting.com?
Becoming a client is easy! Learn more on our Become a Client page, and let us show you how simple investing can be!
When will I speak with a financial advisor?
You will have the opportunity to speak with an Investment Advisor Representative during the Sign Up process. Once you’re a client, you may schedule a time every year to speak with an Investment Advisor Representative. We are also available to you, if you should have questions or concerns, during our office hours of 8 AM to 5 PM, Pacific Standard Time (PST), Monday through Friday, where we can be reached at (888) 979-4455.
What are your minimum investment requirements?
Please click here to see a description of our minimum investment requirements.
Where will my Investment Account be located?
Your investments will be managed from one or more custodial accounts located at Charles Schwab & Co., Inc. (Schwab).
What does it mean to be a "fee-only" Investment Advisor?
A fee-only Investment Advisor is compensated solely by the client. Fees can be asset-based, hourly, or an annual retainer. The advisor is not paid based on the brand or type of product the advisor uses or the frequency in which the advisor buys or sells. Because the fee-only advisor is free to use the most suitable and cost-effective products, the advisor's interests are aligned with the client's interests.
What does it mean to be a "fiduciary"?
A Registered Investment Advisor is a fiduciary by law. The United States Supreme Court and the SEC made it clear that an advisor has an undivided duty of loyalty to act solely in the best interests of the client, including the obligation to make full and fair disclosure of all material facts, especially where the advisor’s interests may conflict with those of the client.
What are your fees and when do you collect them?
Please click here to see a detailed description of our fees.
Does RamseyInvesting.com offer services on an hourly or yearly retainer basis?
No, RamseyInvesting.com does not charge for services on an hourly basis, nor does it charge a yearly retainer fee. For those with portfolios above one million dollars in the Greater Seattle area, we offer comprehensive fee-only financial planning and asset management. Please visit us at Ramsey & Associates.
How should I choose my RamseyInvesting.com Investment Style?
We cannot tell you in which investment style to invest—this one’s up to you! However, please click here to read some helpful information about our three investment styles—Active, Socially Responsible, and Passive. We will be happy to answer your questions in one of your Sign Up process phone calls.
What is a Mutual Fund?
A mutual fund is an investment that gives individuals access to a well-diversified portfolio of equities, bonds, and other securities. Shares are issued and each shareholder participates in the gain or loss of the fund.
What is an Index Fund?
An index fund is a fund that tracks a particular index, such as the S&P 500. Investment managers who take this approach buy groups of securities in the same proportion as they appear in the related index, striving to match the index’s performance.
What is an Exchanged Traded Fund?
An exchange traded fund (ETF) is a security that tracks an index, or basket of assets like those held in an index that is traded like a stock on an exchange.
What mutual fund families do you use?
The mutual funds we recommend are drawn from a variety of different fund families including, but not limited to, Ariel, Artisan, Calvert, Deutsche, Fidelity, Harbor, Oakmark, Osterweis, Pax, PIMCO, Vanguard, et cetera. However, we evaluate funds based on their individual merit, rather than the esteem of the fund family of which they are a part. Our recommendations are reviewed on an ongoing basis and are subject to change over time.
How do you select the no-load mutual funds you recommend?
The no-load mutual funds we recommend are initially screened through the Morningstar Database and/or Litman/Gregory’s Advisor Intelligence. Funds that pass initial screening are submitted to the RamseyInvesting.com Investment Committee for in-depth review and analysis. On a quarterly basis and as the market dictates, we analyze the performance of all recommended funds against similar mutual funds and relevant indices and determine which funds will be added to or removed from the RamseyInvesting.com model portfolios.