And its funds have multiple managers, meaning no one hogs the glory (or blame).

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Its system of running funds with multiple managers keeps investors in the dark about how much of the pot each controls and how well each does.

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Ten years ago about 90% of U.S. Trust's clients handed over all their money to it for management, but today 70% of its clients use multiple managers, says Loraine Tsavaris, managing director of the bank's wealth management unit.

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