At Ramirez Asset Management (RAM) we work with our clients to develop a fixed income investment program that is tailored to suit their needs. RAM believes that a customized approach to portfolio management is a true value added benefit and an integral part of the investment process. Each of our client's assets are managed on a separate account basis. This allows RAM the flexibility to apply unique risk and guideline controls to each investment portfolio. We manage both benchmark driven total rate of return portfolios as well as dedicated strategies.