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 bubble for more details on each model)

Tactical
Monitored DAILY

(based on stock & bond market direction)

Dynamic
Monitored MONTHLY

(based on SEM's Economic Models)

Strategic 

"Ameriguard"
Monitored QUARTERLY

(based on strongest asset classes)

Each SEM model serves a specific role in the portfolio. Many advisors deploy a "bucket" strategy to split the investments into specific categories. The following chart illustrates where each model would fit in a bucket strategy. The chart also illustrates the return vs. risk target of each model.
SCIENTIFICALLY ENGINEERED "Strategic" Portfolios

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 details, go to our AmeriGuard page.

The Art behind the Science

Investing is far too often more art than science. Over the last 26 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 6 question survey steers investors towards the portfolio that best suits their financial personality. We discussed this process in our webinar, “Converting Biases to Profits”. 

For SEM's Risk Tolerance & Objective Questionnaire, click here

Additional Materials:


 

RiskQuestionnaire-New.PNG
Model Descriptions
 = Current Portfolio Snapshot | Click on the program name for a performance summary

Income Allocator (INA): Lowest risk program which invests primarily in Bond funds.  Lower volatility with the goal of out pacing inflation makes this program suitable for risk averse investors and accounts where withdrawals may be needed within 4 to 7 years.

 
 

Tactical Bond (TB):  Conservative investment program seeking lower volatility and a rate of return equal to or higher than a passive allocation of 50% High Yield Bond and 50% Short Term Government Bond mutual funds.

Tax Advantaged Bond (TAB):  For taxable accounts only, seeks to provide lower volatility with rate of return equal to or better than a passive municipal bond allocation.  Suitable for accounts with a two-year or greater time horizon.

 

Dynamic Income Allocation (DIA): An alternative to our other income programs.  DIA seeks to actively manage exposure to a wide range of income generating assets, from inverse government bonds, to high yield bonds, to dividend growth stocks.  Deploys dynamic portfolio management to adjust the allocations based on the overall risk level in the economy and bond market.

 

Dynamic Balanced Allocation (DBA): A 50/50 blend of Dynamic Income Allocation (DIA) & Dynamic Aggressive Growth (DAG) designed to give clients a “moderate” or “balanced” allocation of stocks & bonds utilizing dynamic portfolio management.

 

Enhanced Growth Allocator (EGA): A moderate growth program with a heavier focus on offense than SEM’s other programs.  Primarily a stock program combining core rotation and active satellite strategies.  Suitable for long-term investors that can handle greater short-term volatility.

 

Dynamic Aggressive Growth (DAG): A unique investment program that seeks to actively manage exposure to the Morningstar Aggressive Allocation portfolio.  Deploys dynamic portfolio management which increases or decreases allocations to specific assets based on economic growth expectations.

 

 

Dynamic Asset Allocator (DAA): An alternative investment program that utilizes the asset allocation decisions from Dynamic Aggressive Growth (DAG), but rather than selling exposure to risky assets, it will take an inverse position in those assets. Due to this, DAA will not track the overall market direction. We do not recommend more than 10% of a client's total portfolio to be invested in DAA.

 

AmeriGuard Balanced (AG-BAL): A blend of "strategic" & "dynamic" management models that utilize the funds available at American Funds & Vanguard, two of the top mutual fund managers in the country. Focusing on the underlying long-term trend the strategy will be up to 70% invested in the stock market during upward trends, while seeking to reduce exposure to 30% during longer-term downtrends.

 

 

AmeriGuard Moderate (AG-MOD): A blend of "strategic" & "dynamic" management models that utilize the funds available at American Funds & Vanguard, two of the top mutual fund managers in the country. Focusing on the underlying long-term trend the strategy will be up to 80% invested in the stock market during upward trends, while seeking to reduce exposure to 40% during longer-term downtrends.

 

AmeriGuard Growth (AG-GRW): A blend of "strategic" & "dynamic" management models that utilize the funds available at American Funds & Vanguard, two of the top mutual fund managers in the country. Focusing on the underlying long-term trend the strategy will be fully invested in the stock market during upward trends, while seeking to reduce exposure to 70% during longer-term downtrends.

 

AmeriGuard Max (AG-MAX): A blend of "strategic" & "dynamic" management models that utilize the funds available at American Funds & Vanguard, two of the top mutual fund managers in the country. Focusing on the underlying long-term trend the strategy will be fully invested at all times.

 

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This site is for INFORMATIONAL PURPOSES ONLY.  Investing in the stock or bond markets involves risk and may not be suitable for all investors. Before making any investment decisions you should carefully consider your investment objectives, level of experience and risk appetite. The possibility exists you could sustain a loss of some or all of your initial investment and therefore you should not invest money you cannot afford to lose. You should be aware of all the risks associated with your investments and seek advice from an independent financial advisor if you have any doubts. All investments involve risk including those managed by SEM Wealth Management (SEM).

 

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