Kiawah Golf Investment Seminars

Retirement Income Avenues to becoming Retirement Income Ready.

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After forty years of investing, a few things become clear: you need to focus on quality securities, diversify properly, and develop a lifetime supply of income. The investment puzzle becomes easier to solve if you have a handle on all the pieces.

Income portfolio management is a puzzle in its own right, and the major problem is focus --- income is king.

Here's a series of articles that will help you become Retirement Income Ready. 

Income Investing Made Easy - Parts One & Two - In time, you'll learn to beam with pride as your diversified, high-quality income earners moves lower in price with higher interest rates. Finally, it's time to increase yield and reduce cost basis --- at the same time! 

Managed Closed End Funds --- Solid Income Investments in Liquid Form It should become abundantly clear that this form of investment has eliminated nearly all of the drawbacks of conventional mutual funds. The two have very little in common.

Income Investing: Selecting the Right Stuff - Parts One & Two - When is 3 percent better than 6 percent?  Yeah, you know the answer, but only until securities' prices fall. Then, logic and mathematical acumen disappear and we become susceptible to all kinds of special cures for the periodic onset of higher interest rates.

Income Investing: Go Ask Alice - Don't let uniformed thinking sabotage your retirement program; don't let the selfish advice of product sellers send you chasing rabbits when IRE (interest rate expectations) or other market conditions shrink the market value of your income portfolio.

Understanding Income Investing - Forming Valid Expectations - Parts One & Two - I've come to the conclusion that the stock market is an easier medium for investors to understand than the fixed income market. When dealing with income securities, neither investors nor advisors are comfortable with downward movements.

Real Estate Investing: No Lawyers, No Debt, No Plungers - Without having millions to work with, or a line of credit that goes around the block, you can have positions in various forms of Real Estate at the same time.

Retirement Income Investment Planning - Step One - Your 401(k) Plan is not a retirement plan --- even if your employee benefits department, the media, and Wall Street insist that they are. Most are difficult to self-manage for retirement income, but they sure can take you close to where you want to be.

Income Investing: News, Mis-Information, and Opportunities - Re-examining the price and yield opportunities of the past bring about this understanding: investors can benefit from all stages of the interest rate cycle. Lower/higher prices and higher/lower yields are good news for income investors!

Compound Stock Earnings Programs - Caveat Investor - Options are bets about the future price movement of exchange-traded securities--- it's just that simple. The prospect of unusually high returns always signals unusually high risk. Here are some things to consider before you think about attending that free seminar:

The Total Return Shell Game - Just what is this "total return" thing that income investment managers like to talk about, and that Wall Street uses as the performance hoop that all investment managers have to jump through? Why is it mostly just smoke and mirrors?

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Kiawah Golf Investment Seminars
3912 Betsy Kerrison Pkwy
Johns Island, SC 29455
Phone (800) 245-0494 • Fax (843) 243-8509
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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 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.

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.