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With tens of thousands of Mutual Funds and ETFs, and many performance factors to consider, how can you know which ones are best for you?

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Rita℠ can help you find out with personalized scoring. You can see how your current investments stack up against similar choices and find out if there are better options available.

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In seconds, Rita℠ can help you score and rank your investment options using the performance factors that best suit your investment and retirement savings goals!

Are conflicts of interest steering you into poor performing funds?

Ever worry that conflicts of interest may have negatively affected the advice and recommendations you’ve been getting? With Rita℠ you can effectively filter out all conflicts of interest and ensure you’re getting the best ones for you.

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Easy to Use

Rita℠ is a web-based scoring and ranking application which provides you a search bar to easily enter in your choice of mutual fund or ETF ticker symbols, names, or asset classes, on any device, wherever you are connected to the internet.

Immediate Results

Initial results within Rita℠ display the top 10 highest scoring mutual funds and ETFs (you can see up to 50) along with your choice in the asset class and the class benchmark, based upon initial default settings.

24 Core Performance Factors

Initial results within Rita℠ display a score and a ranking derived from an initial blend of 6 weighted performance factors 1, 3, and 5-year average annual returns and 1, 3, and 5-year average annual volatility (risk). You can choose from 24 total performance factors and individually weight them in order of importance to you.

Choose Your Own Performance Factors

The Rita℠ performance factor menu allows you to choose which performance factors you wish to use in scoring and ranking the available choices and then lets you select the percentage weight of each of those factors based on our personal preferences and investment objectives.

Composite Scoring

Rita℠ generates a composite score for each mutual fund, ETF, and the Benchmark of the asset class based on the weighted performance factors you’ve chosen and is then used to rank all the available funds in the asset class, including yours, with the highest composite score ranking first.

The Final Results

Rita℠ displays the mutual fund or ETF you entered in the resulting table, displaying its numeric rank based on its composite score along with the top scoring funds and the benchmark for the asset class. And it will have all been done your way!


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Deloitte's AI Investment Advice Misses Key Insight

Deloitte's AI Investment Prediction Misses Key Insight

June 11, 20242 min read

Deloitte has just released its Financial services industry predictions | Deloitte Insights. As shown in the diagram below, they predict a growing dependence on AI for investment advice.

But, if that proves to be true, who is that really going to help? Is it likely to meaningfully improve your investment results or your experience? We don’t think it will.

Gen AI Deloitte graph

As we earlier wrote in Is there any difference between an “AI” and a Human Investment Advisor? (, we believe that AI, in its predicted role, will likely perpetuate a deeper dependence on “black box” / “behind the curtain” formulated recommendations and “advice,” the soundness and validity of which investors and/or advisors will have no way of verifying.

Will that improve investment results for individual investors? Who knows. But the experience of individual investors (you) – having to trust in investment advice formulated in a way that you cannot observe, directly influence (much less control), or verify for yourself – will likely not meaningfully change. Will “advice” from AI result in a meaningfully different experience for individual investors (you) from the advice you receive from a human advisor? As explained in our earlier post mentioned above, it likely won’t.

Unlike what Deloitte predicts is coming, there is a different way that AI can used other than simply assisting advisors in formulating their recommendations, or AI itself formulating investment recommendations . . . an application that Deloitte appears to have missed.

Our planned AI integrations with the already patented decision-assistance technology powering our Retail Investment Tracking ApplicationSM (“RitaSM”), for individual investors, focuses on enhancing investor empowerment. Those integrations are designed to enhance your power to directly control the comparative evaluation of mutual fund and ETF investment choices and your ability to identify and “vet” those whose composite investment performance (the blends of risk, return and other factors, you select and weight) have proven best over time at producing the investment results you’re seeking. Broad patents applications on these AI-powered enhancements were filed over a year ago.

But you need not wait for all of these enhancements, RitaSM is available for you to use today to optimize your investment selections.

Our goal is to transfer the balance of power away from the big financial service providers in that vendor-dominated marketplace and into the hands of individual investors (your hand) where we believe it as always belonged.

Interestingly, Deloitte also predicts that friends and family will continue to be preferred choices for individual investment advice, significantly beyond investment advisors. This may likely be due to the fact many investors don’t have sufficient investible assets to secure the help of an investment advisor. RitaSM could also play a big part in this, since it uniquely facilitates friends and family discussions and comparisons of the investment performance of mutual funds and ETFs.

Whether or not Deloitte’s predictions prove to be accurate, change is coming, and we are working to be at the leading edge of that change and, most importantly, the leading edge of empowering you and other individual investors.

aiartificial intelligence401kinvestmentadvicemutual fundsiraetfs
blog author image

Eric S. Smith, J.D.

Eric S. Smith, J.D. is CEO of Decision Technologies Corporation, and President and Investment Advisor Representative of Trustee Empowerment & Protection, Inc., a Registered Investment Advisor

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Why Rita℠?

Worried about picking the right mutual funds and ETFs for your investment portfolio or your IRA or 401(k)? Rita℠ is the solution. Rita℠ is the only Retail Investment Tracking Application℠ that quickly and easily answers this key question: "Of all the available choices of mutual funds and ETFs, which ones are best for me? With Rita℠, you can feel confident that you're picking the best mutual fund and choices for your future. Stop guessing what's best for you - let Rita℠ do all the hard work!

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Any investing-related information provided on is for educational purposes only. Decision Technologies Corporation does not offer investment advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular mutual funds, ETFs, or other investments.

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