SEM's INVESTMENT MODELS 

SEM has 3 investment management styles with multiple models to choose from.
Each model is a "building block" inside a customized portfolio.
(click on the box for more details on each model)

Tactical
Monitored DAILY

(based on stock & bond market direction)

INA
Multi-sector fixed income rotation
EGA
Multi-model stock rotation
TB
High yield bond trend following
CS - BND
Biblically Responsible bond trend following
TAB
Multi-sector municipal bond rotation
MMP
Only available on FlexUMA

Dynamic
Monitored MONTHLY

(based on SEM's Economic Models)

DIA
Rotation around core fixed income benchmark
DBA
Combination of DIA and DAG
DAG
Rotation around core stock benchmark
DAA
Long-short "hedge-fund" type rotation

Strategic
Monitored QUARTERLY

(based on strongest asset classes)

Ameriguard Portfolios Logo (TM).png
AG - BAL
Rotation between
30-70% stocks
AG - MOD
Rotation between
50-90% stocks
AG - GRW
Rotation between
70-100% stocks
AG - MAX
100% stock allocation among top funds
CS - INC
BRI Rotation between
income investments
CS - BAL
BRI Rotation between
0-70% stocks
CS - GRW
BRI Rotation between
70-100% stocks
CS - MAX
BRI Rotation between
100% stock allocation

Other Models

DIA
Rotation around core fixed income benchmark
MSM
Momentum Stock Model
CORE-BND
Strategic allocation to Aggregate Bond Index
VA-BND
Strategic allocation to Virginia Muni Bonds
CORE-STK2
Strategic allocation to Total Stock Market Index
Mutual Fund Models (Small Accounts)

Model Name  - Stock/Bond %

Click on model name for a portfolio X-Ray/Performance Report

Income [MF-INC] - 10/90

Conservative [MF-CON] - 30/70

Moderate Conservative [MF-MCSV] - 40/60

Balanced [MF-BAL] - 50/50

Moderate Growth [MF-MGRW] - 60/40

Growth [MF-GRW] - 70/30 

Aggressive [MF-AGR] - 85/15

Equity [MF-EQT] - 100/0

SCIENTIFICALLY ENGINEERED "Strategic" Portfolios

SEM's AmeriGuard  (TM) and Cornerstone Portfolios are a blend of strategic & dynamic models utilizing some of the top fund companies in the country. AmeriGuard focuses on American Funds and Vanguard, while Cornerstone focuses on Biblically Responsible Investments. 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. For more details, go to our AmeriGuard or Cornerstone pages.

The Art behind the Science

Investing is far too often more art than science. Over the last 28 years, SEM has applied our Scientifically Engineered Models to everything possible, including the most important question in the entire investing process –how should the assets be allocated. There are thousands of questionnaires out there, but SEM has found our simple 10 question survey steers investors towards the portfolio that best suits their financial personality. We discussed this process in our webinar, “Converting Biases to Profits”. 

To take SEM's Risk Tolerance & Objective Questionnaire, click here or click on the image below.

SEM also has an Excel Toolkit that allows you to choose your investment models. Click the toolkit screenshot below to download a copy to use on your computer. Make sure you check back each quarter to download the latest version. Please note, depending on your browser and security settings, you may need to check your downloads folder. Also, when you open the Excel file, you may have to click <Enable Content> for the spreadsheet to be fully functional.

Additional Materials:


 

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