Retirement Ready Income Programs

Sanco Services

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We help you determine an appropriate Asset Allocation for your portfolio(s).

Sanco Services is an investment portfolio consulting firm specializing in asset allocation, portfolio design, and trading techniques. CEO Steve Selengut has been a professional investment manager since 1970... He is a consulting sub-advisor to an independent RIA.

Steve, quite literally wrote the book on investing --- the purpose of this website is to promote his books, articles, educational websites, webinars, teaching vacations, and unique approach to investment management.

More information about our programs, and contact information, can be found at the "EDUCATION" link above. If you want to learn about old school, common sense investing techniques, please visit these pages, read my book and articles, join my mailing list or linked in connections. Only you can protect your investment future with learning and education. Investment success doesn't come in a Wall Street "one-size-fits-all" box.

We try to minimize your risk level by sugesting that you:  

  • Buy only Investment Grade Value Stocks
  • Diversify conservatively within two asset allocation buckets
  • Insist on income from all securities purchased
  • Never using margin debt as a strategy

CLICK HERE TO RECEIVE MY ARTICLES AND ANNOUNCEMENTS

We believe that your Asset Allocation is best managed using the Working Capital Model.

Investment Manager Steve Selengut has been interviewed on radio programs throughout the country about his ground breaking Investment Book, "The Brainwashing of the American Investor".

The book is a must read for new and experienced investors alike as it explains the disciplines and strategies that have been used by the Sanco Services for more than 45 Years. 

Click for Details --> Sanco Services Two <--

 
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 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.