SEM's AmeriGuard Portfolios (TM) are a blend of strategic & dynamic models utilizing the funds available at American Funds & Vanguard, two of the top mutual fund managers in the country. Each portfolio is designed to create a more risk-efficient exposure to the specific return & risk objectives relative to a passively managed index or fund available individually at each fund company. Due to the structure & design of the portfolios, SEM requires pre-approval to utilize these portfolios. For more information, contact Jeff Hybiak.
= Current Portfolio Snapshot
SEM's AmeriGuard Portfolios are different than all other SEM portfolios. First, due to their quarterly management, the risk can be somewhat higher than many SEM clients and advisors are accustomed to. Second, SEM's fee for the AmeriGuard portfolios is 0.50%. Advisors may select to charge the same fee as SEM or elect their own fee. This fee would be applicable to the entire account.
SEM's Portfolio Toolkit allows the advisor to illustrate the risk, return, and overall fee the client would be charged. It also can serve as a program change form. Advisors are highly encouraged to use this tool with their clients for every AmeriGuard portfolio.
**SEM's Portfolio Toolkit can serve as both a Program Change form & Fee Addendum. Office 365 Users can click on the image to view/download. Others can right click & choose "Save Target As"**