RSI RETIREMENT TRUST, 497J, 2000-02-04

RSI RETIREMENT TRUST
497J, 2000-02-04

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                              RSI RETIREMENT TRUST
                               317 Madison Avenue
                            New York, New York 10017

February 4, 2000



VIA ELECTRONIC FILING
Securities and Exchange Commission
Judiciary Plaza
450 Fifth Street, N.W.
Washington, DC 20549

                  Re:      RSI Retirement Trust
                           Post-Effective Amendment No. 18 to the
                           Registration Statement on Form N-1A
                           (Securities Act File No. 2-95074
                           Investment Company Act File No. 811-04193)

Ladies and Gentlemen:

Pursuant  to Rule  497(j)  under the  Securities  Act of 1933,  as amended  (the
"1933 Act"), RSI Retirement Trust (the "Trust") hereby certifies that:

1.       The form of Prospectus  and Statement of  Additional  Information  that
         would  have  been  filed  pursuant  to Rule  497(c)  under the 1933 Act
         would  not  have  differed  from  that   contained  in   Post-Effective
         Amendment  No. 18 to the Trust's  Registration  Statement on Form N-1A,
         constituting  the most recent  amendment  to the  Trust's  Registration
         Statement on Form N-1A; and

2.       The  text  of   Post-Effective   Amendment   No.  18  to  the   Trust's
         Registration  Statement on Form N-1A was filed  electronically with the
         Securities and Exchange Commission on January 21, 2000.

Very truly yours,

RSI RETIREMENT TRUST

By:      /s/ Stephen P. Pollak
         Stephen P. Pollak
         Executive Vice President, Counsel and Secretary