Portfolio Diversification & Active Management

Why Hundredfold Was Created

When we launched Hundredfold Advisors in 2004, the goal was ambitious: create an investment vehicle that would offer sophisticated, multi-asset exposure typically reserved for institutional investors, but within a structure accessible to a broader range of clients. We initially explored a hedge fund model, drawn to its flexibility and proven ability to navigate complex markets. However, as we built out the strategy, we confronted a critical limitation. Hedge funds, with their lock-up periods and redemption restrictions, would constrain our investors' liquidity, going against our very belief that liquidity is a key part of risk management.

We chose a different path. By structuring Hundredfold as a mutual fund, we preserved the active, multi-strategy approach while giving investors daily liquidity and transparency. The fund was designed from the ground up to serve as a comprehensive allocation, combining equity, fixed income, and alternative exposures under one actively managed strategy. Ralph Doudera, our founding portfolio manager, has often said he built the fund to be the only one an investor would need to own. While today's portfolios are more sophisticated, that principle still drives our approach: delivering broad diversification, active risk management, and consistent execution through every market environment.

Our philosophy

The investment philosophy for the Hundredfold Select Alternative Fund centers on stability of returns via diversification. We believe the best way to achieve these goals is to invest in a mix of active fixed income, alternatives, and opportunistic equities comprising target ranges of 0-140%, +/-30% and 0-40%, respectively, of the portfolio. This investment strategy has low correlation compared to other approaches, with lower volatility as a way to manage risk and deliver returns to investors.

Our process is built on continuous analysis and tactical positioning. We actively manage the portfolio to invest primarily in any combination of equity, fixed income or alternative securities based on market conditions and trends, and our expectations and assessment of risks. Rather than committing to rigid allocations, we shift exposure as opportunities and risks evolve. This flexibility, combined with rigorous attention to downside protection, has allowed us to navigate multiple market cycles while maintaining focus on moderate total returns and principal preservation.

Over two decades of disciplined investment management guided by experience, integrity, and a commitment to making a difference beyond returns.

Meet The Team

Since its inception, Hundredfold has been guided by experienced professionals who combine decades of investment expertise with a deep commitment to the fund's mission and philosophy.

Ralph Doudera

Head Portfolio Manager, Managing Member

Ralph Doudera serves as Managing Member of Hundredfold Advisors, LLC and the head portfolio manager for the Hundredfold Select Alternative Fund. He has been active in the investment industry since 1973 and has led the firm’s investment strategy and portfolio management since its founding. In addition to his role at Hundredfold Advisors, Ralph is the Founder and Chief Executive Officer of Spectrum Financial and Head Portfolio Manager for the Spectrum Funds.

Ralph holds a degree in Mechanical Engineering and a Master’s degree in Management and Finance from the New Jersey Institute of Technology. He also earned a Master’s degree in Biblical Studies from Regent University.

Throughout his career, Ralph has written and spoken extensively on investment strategy and the stewardship of wealth. He has authored more than 115 Spectrum Quarterly newsletters for clients and shareholders and has lectured on investment topics for organizations including the National Association of Active Investment Managers (NAAIM). His work has also appeared in Investment Advisor magazine, including the article “Beating Buy and Hold: A Thinking Man’s Guide to Market Timing.”

Ralph is the founder of the Simply Distribute Foundation, a public charity dedicated to supporting organizations focused on microfinance, children’s hospitals in developing countries, orphan care, church development, and evangelism leadership. The foundation reflects his belief that responsible stewardship of wealth can create meaningful and lasting change in the world.

He is the author of Wealth Conundrum, a book exploring the challenges and responsibilities that come with wealth, now in its third printing and available in multiple languages including Korean and Arabic.

Ralph has five children and eight grandchildren. He and his wife, Gina, divide their time between Virginia Beach and their ranch in Texas. Together they are passionate about investing in the lives of others and host retreats at Casa Cecilia, their beachfront property in Santa Teresa, Costa Rica. These gatherings are designed to provide rest, adventure, and space for individuals to seek God’s guidance and affirm His plan for their lives.

Outside of work, Ralph’s interests range from auto racing to composing music and playing piano on his church worship team. He also enjoys surfing in Costa Rica.

Mary K. Collins, ChFC®

Chief Compliance Officer, Managing Member

Mary Collins brings more than three decades of leadership experience in investment management, operations, and compliance. As a managing member of Hundredfold Advisors, LLC, she helps guide the firm’s strategic direction, operational oversight, and long-term organizational stewardship.

Mary also serves as President, Chief Financial Officer, and Chief Compliance Officer of Spectrum Financial, where she oversees financial management, regulatory compliance, organizational structure, and firm operations. In addition to her executive responsibilities, she serves as a member of Spectrum’s portfolio management team.

She joined Spectrum Financial in 1988 as a financial planner and has played an integral role in the firm’s growth and development for more than 35 years. Today, the firm provides portfolio management services for individuals, retirement plans, charitable organizations, foundations, endowments, and trusts, and serves as sub-advisor to several mutual funds.

Mary graduated from Old Dominion University with a degree in Business Administration concentrated in Corporate Finance and holds the Chartered Financial Consultant® (ChFC®) designation. Outside of her professional responsibilities, Mary serves as Chairman of the Simply Distribute Foundation, a public charity focused on distributing the majority of contributions annually to organizations supporting education, medical services, microfinance, and evangelism. Under the foundation’s leadership, more than $15 million has been distributed to charitable initiatives worldwide.

Mary lives in Virginia Beach with her husband, their five children, and ten grandchildren. She believes wealth carries responsibility and is passionate about building organizations that create lasting impact for families, communities, and future generations.