Retirement Ready Income Programs

Play Kiawah's World Famous Ocean Course For Free and For Two

Submitted by The Investment Phantom | RSS Feed | Add Comment | Bookmark Me!

In 2012, the PGA Championship was contested at The Ocean Course on Kiawah Island, SC.. Here's your opportunity to win a free twosome round, including the caddie, at perhaps the world's best and most beautiful oceanside golf course.

Normal Greens Fees are from $275 to $360 per person, depending on the season, making this a $550 value --- minimum. Yes, I'm footing the entire bill for golf, the caddie, and I'll throw in a dozen almost brand new golf balls! I'll be playing along with you, just to take care of the beverage cart (within reason) --- cigars are your responsibility.

Just click here to buy a new copy of "The Brainwashing of the American Investor: The Book That Wall Street Does Not Want YOU to Read" and indicate your interest in the lottery. You will be entered in all future drawings for the free round (for two) at The Ocean Course. Drawings will be held at 25 entrant "break points", even if that produces more than four winners per year. Just one entry per person please.

  • Think about it this way. If you don't win, the book is a great gift for anyone you know who has ever lost significant dollars in the investment markets.
  • If you do win, you and a friend, spouse, child, relative, etc., get to play one of the top tracks in the entire world for free.

Winners names (and scores) will be posted on this website. As of August 7th, there were just 8 names in the first drawing bucket. Hmmmm, if you and three of your closest friends enter, your chances of playing The Ocean Course for free are pretty good.

All entrants get a free link to their business, if requested, right here, so send your "link" along after you make the book purchase:

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:


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.

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.