Retirement Ready Income Programs

Market Rally Resumes; Trump Election Excites the Stock Market

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MCIM "buy list" shrinks to just 6 Issues... November 30th # highest monthly close EVER!!!

Few sector divisions in buying range (i.e. at bargain price levels.

Only Consumer Staples and Healthcare have more than one IGVSI stock in bargain territory.

The Bargain Stock Monitor is one of three market statistics used as performance expectation analyzers for MCIM Portfolios.

It is developed from the Month End Value Stock Watchlist screening program and identifies Investment Grade Value Stocks trading at least 15% below their 52-week high. 

Candidates must also meet the price selection criteria outlined in The Brainwashing Of The American Investor.

The "15% down" break-point allows you to keep your eye on "Bull Pen" items. 

The fewer IGVSI equities at bargain prices, the stronger the market as "Smart Cash"  accumulates in MCIM portfolios.

NOTE: If you haven't been taking profits on nearly everything you purchased in 2016, you haven't been paying attention!

You should be using market volatility to capture all reasonable profits... it pays to reinvest slowly and selectively 

Opportunities to put "Smart Cash" back to work are slim; even the threat of higher interest rates has not weakened the stock market.  The best news is that CEF yields are once again at very attractive levels.

A 50% IGVSI, 50% Income CEF portfolio should logically have gained around 10%... while generating roughly 6% in spendable income. Yes, a partly "realized" total return in excess of 16%.

ACTION ALERT:  Bargains are available in both tax free and taxable CEFs; both have corrected. Tax free yields above 6% are available; taxable yields remain historically high. Both are weakening in anticipation of higher interest rates.

Don't avoid taking CEF profits at a lower than usual %... quick reinvestmet produces higher compound earnings rates. Call "the doctor" if you don't know how to reinvest advantageously.

What's that all about? Check your copy of "Brainwashing" or contact Steve at the number provided below.

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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
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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 free 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.