Models

Learn more about the investment models we offer.

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SEM has 3 investment management styles with multiple models to choose from. Each model is a "building block" inside a customized portfolio.
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Information about our Cornerstone models are included on this page, but if you want to see all of the Cornerstone models together in one place, you can do that here.

Tactical models

Monitored DAILY (based on stock & bond market direction)

Income Allocator (INA)

Multi-sector fixed income rotation

Factsheet

Portfolio Snapshot

Tactical Bond (TB)

High yield bond trend following

Factsheet

Portfolio Snapshot

Tax Advantage Bond (TAB)

Multi-sector municipal bond rotation

Factsheet

Portfolio Snapshot

Cornerstone Bond (CS-BND)

Biblically Responsible bond trend following

Factsheet

Portfolio Snapshot

Mastermind Portfolio (MMP)

Only available on FlexUMA

Factsheet

Portfolio Snapshot

Enhanced Growth Allocator (EGA)

Multi-model stock rotation

Factsheet

Portfolio Snapshot

Momentum Stock Model (MSM)

Dynamic models

Monitored MONTHLY (based on SEM's Economic Models)

Dynamic Income Allocation (DIA)

Rotation around core fixed income benchmark

Factsheet

Portfolio Snapshot

Dynamic Aggressive Growth (DAG)

Rotation around core stock benchmark

Factsheet

Portfolio Snapshot

Dynamic Balanced Allocation (DBA)

Combination of DIA and DAG

Factsheet

Portfolio Snapshot

Dynamic Asset Allocator (DAA)

Long-short "hedge-fund" type rotation

Factsheet

Portfolio Snapshot

Cornerstone-Income (CS-INC)

BRI Rotation between income investments

Factsheet

Portfolio Snapshot

Strategic models

Monitored QUARTERLY (based on strongest asset classes)

Click this image to learn more about our Cornerstone BRI program

AmeriGuard-Balanced (AG-BAL)

Rotation between 30-70% stocks

Factsheet

Portfolio Snapshot

AmeriGuard-Moderate (AG-MOD)

Rotation between 50-90% stocks

Factsheet

Portfolio Snapshot

AmeriGuard-Growth (AG-GRW)

Rotation between 70-100% stocks

Factsheet

Portfolio Snapshot

AmeriGuard-Max (AG-MAX)

100% stock allocation among top funds

Factsheet

Portfolio Snapshot

Click this image to learn more about our Cornerstone BRI program

Cornerstone-Balanced (CS-BAL)

BRI Rotation between 0-70% stocks

Factsheet

Portfolio Snapshot

Cornerstone-Growth (CS-GRW)

BRI Rotation between 70-100% stocks

Factsheet

Portfolio Snapshot

Cornerstone-Max (CS-MAX)

BRI Rotation between 100% stock allocation

Factsheet

Portfolio Snapshot

Other Strategic Models

Models designed to be more tax efficient

VA-BND

Strategic allocation to Virginia Muni Bonds

Factsheet

Portfolio Snapshot

CORE-BND

Strategic allocation to Aggregate Bond Index; rebalanced quarterly

Factsheet

Portfolio Snapshot

CORE-STK (Holding Model)

Strategic allocation to Total Stock Market Index; only rebalanced upon advisor request

Portfolio X-Ray (Performance)

CORE-STK2 (Managed Model)

Strategic allocation to Total Stock Market Index; rebalanced quarterly

Portfolio X-Ray (Performance)

Platinum Models

Only available to SEM's Platinum advisors and their clients.

SEM's Platinum Portfolios are a customized blend of different managers' strategies in a single portfolio. The portfolios include some of the leading asset managers available on the Axos platform. Each portfolio is designed to provide an optimized portfolio based on the underlying risk objective of the client.

Resources and literature

Platinum information packet

Platinum Preservation Portfolio - PPP

Platinum Conservative Portfolio - PCP

Platinum Moderate Portfolio - PMP

Mastermind Portfolio - MMP

Small Account Models

Low cost, strategic models designed to handle smaller accounts

Format for model percentages = stock/bond

Click the model name for the 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

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