Retirement Ready Income Programs

IGVSI Up 16% thru November; Twice the Gain in the S & P 500

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NOTE: This website was created for "Brainwashing" book readers & MCIM users; absolutely nothing is being recommended or guaranteed.


The Investment Grade Value Stock Index (IGVSI) tracks an elite group of New York Stock Exchange equities; less than 320 companies meet IGVSI quality standards (S & P rated B+ or better, dividend paying, and historically profitable).

IGVSI UP 52% Since June 2007; S & P 42%  

Nearly all Market Cycle Investment Management (MCIM) equities are selected from this limited universe; MCIM was developed by author/investor Steve Selengut in the early 1970s.  

Comparing MCIM component indices with the S & P 500 over the long term confirms that quality based, balanced, portfolios typically fall more slowly in market value, bend less, and regain upward momentum more quickly than the S & P 500 average.

Because the MCIM operating system demands buying on weakness, old positions are increased and new positions are added while markets weaken. A disciplined MCIM user takes profits during rallies, in preparation for the next inevitable downturn --- it's SOP.

Using MCIM, investors can focus more on the new opportunities provided by corrections, while the income generated within their portfolios continues to grow as the market/interest rate cycle plays out.

Have YOU benefited from the 2016 Energy Sector rally? Has your income continued to grow? R U ready for whatever comes next?

Thus far this year, the IGVSI is up 15.5% vs. the S & P's 7.6%, while producing twice the income. Even after a three month decline, the WCMSI (Income CEFs) is up 4.1%. How do you think an MCIM 50% equity plus 50% income portfolio would be doing, considering the addition of a 6% annual cash flow and realized capital gains?

IGVSI stocks and income CEFs are the major components of MCIM  portfolios, selected and managed in an environment that emphasizes the power of compound "Working Capital" and income growth... both are augmented by profit-taking at reasonable levels.

Mangers never lose sight of three "fundamental" investment principles: Selection Quality, 5% max Diversification, and Income from every position. No reasonable profit ever goes unrealized.

Assuming that the average MCIM portfolio has an asset allocation of roughly 50% IGVSI equities and 50% income closed end funds, it should be clear why this type of portfolio is more suitable for individuals seeking preservation of capital and income growth as their primary objectives. Note that preservation of capital and stability of market value are not one and the same.

Now sit back and imagine how an MCIM portfolio would have performed during the market cycles of your lifetime. What if you had bought only IGVSI equities and high quality income CEFs every time the market fell, panicked, or hic-cupped? And then, what if you had the courage to take your profits each and every time they reached a reasonable level on an individual issue basis?

Well that's exactly what could happen in portfolios managed using the MCIM methodology; not to mention the added benefit of a consistent and constanly growing monthly cash flow... the income allocation increases every few years to prepare for retirement.

Wouldn't it be nice to tell your children: "Don't you worry, market volatility, no matter how severe, is unlikely to have any impact on the growth of our retirement income... and your inheritance"

Embrace MCIM, and learn more about a "makes sence" approach to retirement readiness. Contact Steve for a free copy of the "Brainwashing" book, or to obtain more information about the process (email: sanserveataoldotcom).

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. 

Associated Content:
Stock Market Explodes After Trump Victory; Income CEFs Only Remaining Bargain - What happens in the future is unpredictable, but understanding the past and how it impacts your uniq...
New 52-Week Highs Swamp Lows Since Trump Victory; Eighteen Days and Counting - The New High and New Low issue stats can identify weaker and/or stronger sectors within the Investme...
Stock Market Issue Breadth Strong Since Trump Victory - IGVSI breadth statistics signal changes in direction within Investment Grade Value Stocks only --- a...
Market Rally Resumes; Trump Election Excites the Stock Market - The fewer IGVSI equities at bargain prices, the stronger the market and the more Smart Cash that sho...
The Investment Grade Value Stock Index - Continued - The IGVSI was developed in December of 2007 to provide a benchmark for the Equity portion of MCIM po...
Investment Grade Value Stocks: August Market Statistics - The S & P 500 began to achieve new All Time Highs in March 2013 --- impressed? The IGVSI started a r...
Investment Performance Expectations and Broker Account Statements - Whether you go the discount route through Schwab, Ameritrade, Fidelity, etc., or enjoy a higher leve...
Investment Performance Expectations: MCIM Portfolio Fine Tuning - How can I get you to stop fixating on monthly market values and to focus on the purpose of the secur...
Wall Street Wisdom... Value Stocks vs. Growth Stocks - S & P Corporation publishes a standardized earnings and dividends ranking system which separates sto...
WCM 1/1/08 thru 9/18/09 Performance - 2008 Index values are determined by subtracting the 2008 loss % from 100. The 2008 index number is m...

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.