Kiawah Golf Investment Seminars

Retirement Ready Income Investing

Submitted by The Investment Shadow | RSS Feed | Add Comment | Bookmark Me!

Can YOU make this "Retirement Readiness" Statement:

"a stock market downturn will have no significant impact on my retirement income”

Unfortunately, YOU can't get there with Mutual Funds or ETFs; not even the most popular Target Date Funds can get YOU "Income Retirement Ready".


But "retirement income readiness" isn't all that difficult to achieve.

Take a walk through one of my personal retirement portfolios...

Send me an email (sanserve-at-aol-dot-com) to receive a free video presentation: learn how Market Cycle Investment Management can make "income retirement readiness" happen for YOU.

For Individuals: This is the retirement income program you've been looking for, perfect for your IRA, or rollover 401k program. The very best (and cheapest) Target Date Funds provide YOU wth barely 2.0% in spending money.


Today's MCIM income portfolios pay more than 6%, after expenses. Yes, you really should ask for references.


Market Cycle Investment Management Methodology (MCIM) helps YOU make decisions that are in sync with retirement income realities.

For Retirees & Soontobes: What good is wealth without income? Learn how to create a safer and more secure cash flow, one that can keep up with most inflation scenarios. 


Investment Manager Steve Selengut is the Author of:

The Brainwashing of the American Investor: The Book that Wall Street does not Want YOU to Read. Buy the book here. 


For Hundreds of Investment & Tax Reform Articles, open "About Steve Selengut" above, and click "Search Steve's Articles

Kiawah Golf Investment Seminars
3912 Betsy Kerrison Pkwy
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

MCIM Self Directed 401k & IRA Programs

Take a free tour of a professional investment managers' private SEP IRA program during eight 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 IGVSI companies, 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:
MCIM Methodology Retirement Income Portfolios -Check It Out - The MCIM methodology combines risk minimization, asset allocation, equity trading, investment grade ...
Worst Month in Six Years; New Lows in ALL Sectors - The New High and New Low issue stats can identify weaker and/or stronger sectors within the Investme...
The Correction is Coming! The Correction is Coming! - IGVSI breadth statistics signal changes in direction within Investment Grade Value Stocks only --- a...
Bargain Stock Numbers Half Way to Correction Levels - The fewer IGVSI equities at bargain prices, the stronger the market and the more Smart Cash that sho...
40% of IGVSI Companies Down 15% or More... time to think CORRECTION - What happens in the future is unpredictable, but understanding the past and how it impacts your uniq...
Investment Grade Value Stock Index - The Nuts & Bolts of MCIM - The IGVSI is a barometer of a small but elite sector of the stock market called Investment Grade Val...
MCIM Q & A and Contact Information - Market Cycle Investment Management (MCIM) reflects the unique strategies, procedures and disciplines...
Wall Street Wisdom vs. Market Cycle Investment Management - Corrections are as much a part of the normal Market Cycle as rallies, and they can be brought about ...
MCIM's Ten Time-Tested Risk Minimizers - Most investment mistakes are caused by basic misunderstandings of the securities markets and by inva...
Risk Minimization, The Essence of Market Cycle Investment Management - The MCIM methodology combines risk minimization, asset allocation, equity trading, investment grade ...

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.