Retirement Ready Income Programs

MCIM Q & A and Contact Information

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Submitted by Steve Selengut | RSS Feed | Add Comment | Bookmark Me!

Market Cycle Investment Management (MCIM) reflects the unique strategies, procedures and disciplines documented in the books and articles of professional investor CEO/Consultant at Sanco Services Inc. and Senior Instructor at Kiawah Golf Investment Seminars.

: Where can I get an MCIM "Life Cycle" Portfolio? 

You can develop one for yourself, after studying "The Brainwashing of the American Investor" or you can get in touch with a Steve Selengut directly at 800-245-0494 or sanserve`at`aoldotcom.

: How many types of MCIM "Life Cycle" portfolios are there?

There are two groups of MCIM portfolios, with three general asset allocation formulas in each: Group one is for tax deferred portfolios and Group two is for taxable portfolios. Investors can adjust the percentages according to their own preferences, but all equities must be Investment Grade Value Stocks, and all accounts must contain at least 30% in income securities.

  • 60% IGVSI Equities and 40% Taxable or Tax Free CEFs
  • 40% IGVSI Equities and 60% Taxable or Tax Free CEFs 
  • 10% IGVSI Equities and 90% Taxable or Tax Free CEFs 

: Are there any account size or transaction restrictions?

MCIM accounts perform best with $300,000 or more in assets, but smaller accounts with additional deposit potential are acceptable. These portfolios are excellent staging areas for retirement, particularly in self directed 401(k) plans and IRA portfolios. Once regular income is needed, the portfolio can be "transitioned" into an income generating personal portfolio identical to the one already in place.

 : Who is private investment manager Steve Selengut?

 Please click the "About Steve Selengut" tab at Retirement Ready Income Programs.

: Where can I obtain information about the historical performance of MCIM  methodology portfolios?

You need only to grasp the concepts and understand the methodology to make your light bulb come on --- it's a logical and disciplined approach that is easy to implement. Financial professionals can obtain detailed quartely performance reports through LMK Wealth Managemeent.

:How would I arrange for Mr. Selengut to speak to my group about the Market Cycle Investment Management methodology, income investing strategies, etc.?

You can contact him directly at 800-245-0494 or by e-mail (sanserveat///aoldot//com).

Sign up for a FREE MCIM Webinar!

  


 
Retirement Ready Income Programs
2971 Maritime Forest Drive
Johns Island, SC 29455
Phone (800) 245-0494 • Fax (843) 243-8509
Contact Steve directly for additional information: 800-245-0494
Please join the private article mailing list.

Please read this disclaimer:
Steve Selengut is registered as an investment adviser representative. His assessments and opinions are purely his own. None of the information presented here should be construed as an endorsement of any business entity; the information is only intended to be educational and thought provoking.

Please join the private article mailing list or Call 800-245-0494 for additional information

Risk Management: Income, 401k, and IRA Programs

Take a tour of a professional investment managers' private SEP IRA program during ten years surrounding the financial crisis:

CLICK HERE

In developing the investment plan, personal financial goals, objectives, time frames, and future income requirements should all be considered. A first step would be to assure that small portfolios (under $50,000) are at least 50% income focused.

At the $100,000 level, between 30% and 40% income focused is fine, but above age 50, the income focus allocation needs to be no less than 40%... and it could increase in 10% increments every five years.

The "Income Bucket" of the Asset Allocation is itself a portfolio risk minimization tool, and when combined with an "Equity Bucket" that includes only Investment Grade Value Stocks, it becomes a very powerful risk regulator over the life of the portfolio.

Other Risk Minimizers include: "Working Capital Model" based Asset Allocation, fundamental quality based selection criteria, diversification and income production rules, and profit taking guidelines for all securities,

Dealing with changes in the Investment Environment productively involves a market/interest rate/economic cycle appreciation, as has evolved in the Market Cycle Investment Management (MCIM) methodology. Investors must formulate realistic expectations about investment securities--- by class and by type. This will help them deal more effectively with short term events, disruptions and dislocations.

Over the past twenty years, the market has transitioned into a "passive", more products than ever before, environment on the equity side...  while income purpose investing has actually become much easier in the right vehicles. MCIM relies on income closed end funds to power our programs.

To illustrate just how powerful the combination of highest quality equities plus long term closed end funds has been during this time... we have provided an audio PowerPoint that illustrates the development of a Self Directed IRA portfolio from 2004 through 2014.

Throughout the years surrounding the "Financial Crisis", Annual income nearly tripled from $8,400 to $23,400 and Working Capital grew 80% $198,000 to $356,000.

Total income is 6.5% of capital and more than covers the RMD.

https://www.dropbox.com/s/b4i8b5nnq3hafaq/2015-02-24%2011.30%20Income%20Investing_%20The%206_%20Solution.wmv?dl=0

Managing income purpose securities requires price volatility understanding and disciplined income reinvestment protocals. "Total realized return" (emphasis on the realized) and compound earnings growth are the key elements. All forms of income secuities are liquid when dealt with in Closed End Funds. 



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Please read this disclaimer:
Steve Selengut is registered as an investment advisor representative. His assessments and opinions are purely his own and do not represent the views of any other entity. None of his commentary is or should be considered either investment advice or a solicitation of business. Anyone seeking individualized investment advice should contact a qualified investment adviser. None of the information presented in this article is intended to be or should be construed as an endorsement of any entity or organization. The reader should not assume that any strategies, or investments mentioned are any more than illustrations --- they are never recommendations, and others will most certainly disagree with the thoughts presented in the article.