Submitted by The Investment Shadow
| RSS Feed
| Add Comment
| Bookmark Me!
Financial Services Website Warning Label
Please read this message carefully before exploring any financial services website.
The purpose of the Retirement Ready Income Investing website is threefold:
- to promote the somewhat unique (and non-mainstream Wall Street) Investment Strategies of Investment Professional Steve Selengut;
- to promote the sale of a book entitled The Brainwashing of the American Investor;
- to promote private consulting services available to investors anywhere
Every statement, discussion, illustration, and representation contained anywhere on this website is entirely the creation and opinion of Steve Selengut (unless noted otherwise). Nothing said or alluded to has been researched beyond the scope of the author's personal (and quite extensive) experience in the investment arena.
It is presumed that visitors to this website will take the initiative to both investigate and question the information that is provided. Certainly, anything said here is subject either to criticism or to objection by others in the field. That doesn't make it wrong. But it is clearly not anything like the blather that emanates from many other resources. Nothing should be construed to be absolute, or predictive of anything at all.
No specific statistics regarding investment performance are presented for various reasons, not the least of which is the incredible hassle it is to substantiate such statistics in the format and time limitations required by regulatory agencies. For such information, I can direct participants to practitioners they may contact at their leisure.
[Actually, I'm not a big believer in conventional performance analysis anyway, based as it is on calendar time periods, market value comparisons with averages and indices, and non-client specific benchmarks.]
My basic assumption is that the select group of humans that visit this website are intelligent enough to interpret what they read without being misdirected. If interested, they will know how to reach out for more information.
Never be shy about asking questions of the person who either will be directing your investments, or taking your directions. If you don't agree with any aspect of the strategy that you feel is important, you should consider implementing some other strategy. The Working Capital Model (and Market Cycle Investment Management) have been operating in pretty much the same form for over forty years.
Sanco Services is NOT an RIA and is not registered with the SEC or any state entities. Sanco is owned and managed by Steve Selengut .
Nowhere within this website should any statement, number, notion, or illustration be taken as a guarantee of anything at all.
Now wasn't that more fun than this mainstream disclaimer, which also applies.
This website is provided as a source of information only, and is not an offer or solicitation to buy or sell securities or derivatives of securities, nor is this information provided as investment, tax, or legal advice. Not all products, securities or services (if any) described are available in all countries, and nothing within the site is an offer or solicitation to buy or to sell securities or services in any jurisdiction where their offer or sale is not qualified or exempt from registration.
The information provided on the site is obtained from sources deemed to be reliable but the accuracy of the information cannot be guaranteed. Absolutely no person or entity guarantees the accuracy or completeness of the information, or makes warranties, express or implied, with regard to the results to be obtained from the use either of the information on this website or on any other website that either links to or from this website. Amen!
With these caveats and explanations in mind, go, learn, think, have fun, and prosper.
CLICK HERE TO RECEIVE ALL OF MY NEW ARTICLES AND ANNOUNCEMENTS
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.
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.
|Risk Management: Income, 401k, and IRA Programs -
Sooner or later, every investment program (particularly your IRA and 401k) becomes a Retirement Inco...|
|Seven Principles For Long Term Investment Success -
Establish a profit-taking target for every security you purchase. Avoid Unrealized Gains, Embrace Vo...|
|The Greatest Investment Story Never Told -
An excellent strategy even in today's investing environment. The current buzz on the street is that ...|
|Retirement Ready Income Investing Programs -
If your portfolio has less than 40% invested for income, it is far more speculative than you think....|
|More Brainwashing Book Reviews -
My partner and I love this book. We are enrolled agents, do around 800 business, personal, and trust...|
|The Art of Investing: Working Capital Model based Asset Allocation -
This method of looking at things will get you where you want to be without the hype that Wall Street...|
|Investors Review Their Favorite Investment Book -
In the midst of financial crisis, market upheaval, and world-class uncertainty, at least one financi...|
|What's Inside the Brainwashing Book -
The Brainwashing of the American Investor is direct, hard-hitting and brutally honest...The title im...|
|A Millionaire's Secret Investment Strategy -
A Millionaire's Secret Investment Strategy, by Steven R. Selengut, is an Investment Book written by...|
|Webinar Preparation & Procedures -
Webinars are different. They are live, less structured, and totally dependent upon your participati...|
|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.