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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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Easily find the best mutual fund for your needs.

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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“Lack of Financial Literacy” Might Be Costing You More Than You Think.

January 24, 20244 min read

However, the “Lack of Investor Empowerment” is less understood and is likely costing you a lot more.

On January 11th, 401(k) Specialist magazine published an article entitled “Lack of Financial Literacy Cost Workers $1500 in 2023.

The article reported on a survey conducted by the National Financial Educators Council (NFEC), which “asked over 1500 U.S. adults to estimate how much money they may have overlooked in 2023 due to a lack of knowledge over personal finances. The final number came out to $1,506 . . . (and) considering the over 240 million adults in the U.S., that figure exceeds $388 billion this past year alone . . . .”


That’s a lot. What would your estimate have been if you had been asked?

Possibly even more interesting is this question: How would you actually know how much you lost by not knowing what you don’t know?

The answer is you likely wouldn’t.

Regarding this, the article points out that “the NFEC notes that survey respondents may have underestimated these numbers, as those with lower levels of financial knowledge may not understand how much their illiteracy could actually cost them.” You can access NFEC’s full Report here.

While we agree that there is certainly a need and a case to be made for greater Financial Literacy, and programs to teach and promote it, there is something in virtually all Financial Literacy programs - something that is almost never recognized, understood, or discussed.

It’s the inability of individual investors to comparatively evaluate hundreds of thousands of investment choices, and the investment recommendations of financial services providers. 

And this lack of power to identify and chose those best for them, is likely costing investors (you) much more that any estimated losses from a lack of financial literacy.

Knowing that you lack the power to identify and select the mutual funds and ETFs that you believe would be best for you and knowing that you are likely suffering possibly significant opportunity costs (to an extent that you may never know), certainly qualifies you as being “financially literate” on that point.

But it does not really help, does it?

Would knowing that have prevented the harm you’ve suffered? Will it prevent the harm you’ll continue to suffer?

What’s been missing is a major step beyond “Financial Literacy.”

What’s been missing is trueFinancial Empowerment,” specifically (in this context) “Investor Empowerment.”

The well-known saying that “Knowledge Is Power,” is not universally true in the context of investing. Some knowledge is, but a lot is not empowering, especially if there is no way to effectively use it to your benefit.

Does knowing (or believing) that you’re powerless to comparatively evaluate tens of thousands of mutual funds and ETF choices (with hundreds of performance factors), somehow how give you power to do it?

Obviously, not.

It might enable you to realize what needs to be changed but knowing that does not necessarily give you power to do it.

That realization was a key element motivating our efforts to create our Retail Investment Tracking Application (“Rita”), to enable individual investors (you and us) to score and rank thousands of mutual funds and ETFs against all other available choices (and not just against benchmark indexes). But it took well over a decade of development and testing and millions of dollars in costs to do it and bring Rita to you.

Knowing that you have no way to comparatively evaluate tens of thousands of mutual funds and ETF choices or evaluate just how good the investment recommendations you’ve been getting are, is not empowering.

Knowing that, with Rita, you can do so and in mere moments, while filtering out all conflicts of interest, is uniquely empowering.

The next and possibly most important question for you is this: Will you use that power?

Going back to the previously unanswerable question of how much lack of Investor Empowerment may have cost you, now you can find out.

Just takeThe Rita Challenge.”

It’s free and will enable you to quickly and easily see how your mutual funds and ETF choices compare to all of the others you could have selected. The performance gaps you’ll likely see can be shockingly large, often dwarfing the losses mentioned in the article.

It’s time to change things – to stop unnecessarily losing money. It’s time for you to financially benefit from the true “Investor Empowerment” that Rita uniquely provides.

401(k)mutual fundsETFsinvestorsretirementfinancial productsiraretirement account
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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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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!

“I've witnessed first-hand dozens of demonstrations of "RITA" to friends I’ve introduced. What's remarkable is when a person sees how much money he or she has not gotten over multiple years, they’re shocked. It shows them how much better they could be doing with this revolutionary investment tool.”

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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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