Retirement Ready Income Programs

Retirement Income Investing Article Library

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Retirement income planning starts with the first dollar you invest... IRA, 401k, 403b, savings plan, brokerage account, whatever. These articles explain both characteristics and performance expectations. Most importantly, they define "purpose".

The collection will help you do the job better... in some instances, by viewing the antics of the not so distant past.

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1. Income Investing: Go Ask Alice: http://kiawahgolfinvestmentseminars.net/Inv/index.cfm/5714

2. The Income Closed End Fund Marketplace: http://kiawahgolfinvestmentseminars.net/Inv/index.cfm/19501

3. Trading Your Way To A Secure Retirement Income: http://kiawahgolfinvestmentseminars.net/Inv/index.cfm/19478

4. Income Security Price Volatility IS a Good Thing: http://kiawahgolfinvestmentseminars.net/Inv/index.cfm/19494

5.1 Managing the Income Portfolio 101: http://kiawahgolfinvestmentseminars.net/Inv/index.cfm/5653

5.2 Managing the Income Portfolio 201: http://kiawahgolfinvestmentseminars.net/Inv/index.cfm/5654

6.1 What Your Mother Never Told You About Income Investing: Twenty Questions (1 thru 6)
http://kiawahgolfinvestmentseminars.net/Inv/index.cfm/18944

6.2 WYMNTAII: Twenty Questions (7 thru 15): http://kiawahgolfinvestmentseminars.net/Inv/index.cfm/18947

6.3 WYMNTAII: Twenty Questions (16 thru 20): http://kiawahgolfinvestmentseminars.net/Inv/index.cfm/18950

7. Solid Income Investments in Liquid Form: Managed CEFs: http://kiawahgolfinvestmentseminars.net/Inv/index.cfm/6938

8. Interest Rates Are Rising - The Sky Is NOT Falling: http://kiawahgolfinvestmentseminars.net/Inv/index.cfm/19493

9.1 Forming Valid Income Investing Expectations - Part One: http://kiawahgolfinvestmentseminars.net/Inv/index.cfm/5776

9.2 Forming Valid Income Investing Expectations - Part Two: http://kiawahgolfinvestmentseminars.net/Inv/index.cfm/5777

10. Experienced (old?) Investors Love Higher Interest Rates: http://kiawahgolfinvestmentseminars.net/Inv/index.cfm/19488

11. Income Investing: News, Information, Opportunity: http://kiawahgolfinvestmentseminars.net/Inv/index.cfm/18359

12. The Pure Logic of Income Investing: http://kiawahgolfinvestmentseminars.net/Inv/index.cfm/19498

13.1 Income Investing - Finding the Right Stuff: http://kiawahgolfinvestmentseminars.net/Inv/index.cfm/5645

13.2 Income Investing --- Selecting the Best Stuff: http://kiawahgolfinvestmentseminars.net/Inv/index.cfm/5646

14. Real Estate Investing: No Lawyers, Debt, or Plungers: http://kiawahgolfinvestmentseminars.net/Inv/index.cfm/5657

15.1 Income Investing Made Easy - One: http://kiawahgolfinvestmentseminars.net/Inv/index.cfm/18372

15.2 Income Investing Made Easy - Two: http://kiawahgolfinvestmentseminars.net/Inv/index.cfm/18373

16. Retirement Income Investment Planning: http://kiawahgolfinvestmentseminars.net/Inv/index.cfm/5712

17. The Total Return Shell Game: http://kiawahgolfinvestmentseminars.net/Inv/index.cfm/5773


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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. 



Associated Content:
The Pure Logic of Income Investing - Income Investing is sane, necessary, logical, intellectually pure, purposeful, manageable, predictab...
Who's Afraid of Higher Interest Rates? - A rising interest rate environment is super good news for investors. When we loan money to someone, ...
Retirement Ready Income Investing: What's In Your Wallet? - What good is wealth without income? Your 401k program is NOT retirement ready... even the most popul...
What Investors Want & How To Get It: - What Investors Want and How To Get It... the between the lines content of The Brainwashing of the Am...
Experienced (old?) Investors Love Higher Interest Rates... Say What! - Rising Interest Rate Expectations, regardless of their impact on Closed End Fund pricing, have absol...
Retirement Income Avenues to becoming Retirement Income Ready. - After forty years of investing, a few things become crystal clear: you need to focus on quality, ind...
Income Closed End Funds & Total Return Analysis - If interest rates rise, the market values of these investments will go down BUT the income from the ...
The Self Directed “Retirement Ready” 401k - Recently, it was proven to me fairly conclusively, that no product specializing in top tier S & P, d...
MCIM Methodology Retirement Income Portfolios -Check It Out - The MCIM methodology combines risk minimization, asset allocation, equity trading, investment grade ...
Investment Performance Evaluation Re-Evaluated: Part One (April 2009) - The Working Capital Model (WCM) looks at investment performance differently, less emotionally, and w...

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.