Why CITs?
CITs have transformed defined contribution plans, evolving from a niche solution into a core component of modern fund lineups.
CITs now represent half of the assets held in target date funds, and in 2025, CIT assets grew 13% year-over-year.1
A Meaningful Cost Advantage
On average, CITs are 4.4x less expensive than comparable mutual fund equivalents, resulting in tangible benefits for advisors, sponsors, and participants.2
CITs generally have lower operational and administrative costs as they are not subject to the same marketing, legal, and distribution fees that mutual funds often face, leading to lower expenses.
$0T
in CIT Assets1
0%
YOY Growth1
0X
Lower Cost2
¹Cerulli Associates, The Cerulli Report—U.S. Defined Contribution Distribution 2025
²Morningstar, 2026 Target-Date Fund Landscape Report
The Power to Move Ahead
RPAG members gain exclusive access to proprietary CIT strategies.
Key advantages include:
Exclusive fee classes unavailable outside RPAG membership, giving you a competitive advantage you (and your prospects) can’t find anywhere else
Institutional-quality strategies from best-in-class asset managers
Cost efficiency without sacrificing governance, investor protections, and fiduciary oversight
This access empowers you to deliver investment solutions typically reserved for institutional channels.
Broad Platform Availability
RPAG-exclusive CITs are available across 80+ major recordkeeping platforms, empowering member advisors to:
- Easily integrate CITs into clients’ existing plan lineups
- Expand investment options without operational disruption
- Implement institutional solutions across leading partner platforms
MEASURABLE CLIENT OUTCOMES
Through the Retirement Technology Partnership Program, members gain access to exclusive collective investment trust (CIT) share classes trusteed by the nation’s leading independent trustee, Great Gray Trust Company, and sub-advised by best-in-class asset managers.
For advisors, this translates into stronger proposals, more efficient lineups, and measurable client outcomes — all without sacrificing robust investor protections.
The Power to Grow Confidently
The transition to CITs isn’t just about changing investment vehicles or participant behaviors. It’s about changing how the industry thinks about institutional investing. Connect with RPAG to explore our lineup of exclusive CITs and other membership benefits.
