Prudent Investor Rule: Trustee Duties and Responsibilities

The Prudent Investor Rule: Trustee Duties and Responsibilities

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Question

According to the Prudent Investor Rule, the trustee must:

- adhere to ________, impartiality and prudence

- maintain overall portfolio risk at a reasonable level

- provide for reasonable diversification of trust investments

- act with prudence in deciding whether and how to delegate authority to experts and in selecting and supervising agents

- be cost conscious when investing

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Explanations

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A. B. C. D. E.

B

Modern Portfolio Theory dictates that trustees consider a portfolio in its entirety and not just on an investment-by-investment basis. As a fiduciary, therefore, the trustee must:

- adhere to fundamental fiduciary duties of loyalty, impartiality and prudence.

- maintain overall portfolio risk at a reasonable level

- the trade-off between risk and return is the fiduciary's central concern.

- provide for reasonable diversification of trust investments.

- act with prudence in deciding whether and how to delegate authority to experts and in selecting and supervising agents.

- be cost conscious when investing.