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Investment Account Access |
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Investment Management Philosophy |
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We believe
that the best way to acquire long-term growth of capital is to
invest in a portfolio of top quality stocks and bonds over a
long period of time. Our client's portfolios are built using
proven quality, large cap stocks, and high quality corporate and
government bonds. When accounts warrant the use of mutual
funds, we purchase only no-load funds that meet the same
investment parameters as our individual security selections. |
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We believe
in a blended approach of growth and value investing. In building
our clients' portfolios, we subscribe to the proven philosophy
that long-term conservative investing will produce total returns
that are far superior to short term or market timing methods of
investing. Our philosophy is to completely avoid hot stocks and
risky bonds and to never focus solely on yield. Our belief is
that the time proven method of studying investment fundamentals
is directly proportional to the long-term returns on our
investments. By analyzing the general level of interest rates,
dividends, debt, price to earnings and price to book values, we
can scrutinize stocks and bonds to the fullest extent before
including them in our clients' portfolios. |
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Security
Federal Savings Bank offers Asset Management Services that are
designed to meet the individual needs of our customers. |
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Managed
Agency Investment Account |
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The
Trust/Investment Management Group offers a Managed Agency
Account in which clients' funds are invested in either a mutual
fund asset allocation model or through individualized portfolio
management. |
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The
Trust/Investment Management Group acts as an investment agent
for this account and collects all dividends and interest
payments, principle at maturity, and also provides a monthly
report detailing all transactions in the account. An account
executive works with our clients to determine their investment
philosophy, investment objectives, and risk tolerances. Upon
completion of this process, the client provides us with written
investment parameters. Investment options are then developed
which meet the client's investment suitability qualifications
and the account is actively managed within these guidelines. |
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At no time
does the Trust/Investment Management Group act as fiduciary
under the Managed Agency Account. |
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Managed IRA
Accounts |
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The
Trust/Investment Management Group offers a Managed IRA Account
for clients who want their retirement funds actively managed
through a mutual fund asset allocation model or through
individualized portfolio management. |
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In this
account, the Trust/Investment Management Group acts as Trustee.
The Managed IRA Account is managed under the same investment
philosophy as the Managed Agency Account. All investments made
will be permissible under the Internal Revenue Service
suitability guidelines. |
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Trust
Accounts |
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In addition
to Managed Agency and Managed IRA accounts it is often
appropriate for a Trust to be designed to manage a client's
assets. Given the flexibility and widespread customization in
the drafting of trusts, it's fair to say that few are exactly
alike. A trust is most often categorized by its functions and
characteristics, as evidenced by the following examples: |
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Bypass
Trust |
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To be
certain that all available spousal tax credits are used to
protect family assets, a bypass trust can provide income to a
surviving spouse, while avoiding estate taxes on the bypass
trust at the survivor's death. |
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Charitable
Remainder Trust |
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With this
popular form of trust, the trustee pays income each year from
the trust to an income beneficiary, and at the beneficiary's
death the remaining trust assets pass to the designated charity.
In addition, the grantor can receive an income tax deduction for
the gift to the charity. |
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Whether it
is a Managed Agency Account, a Managed IRA Account, or a Trust
Account, the asset management professionals at Security Federal
Savings Bank have the legal, accounting, and investment
management resources to meet your needs. |
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The above mentioned investment products (except Security
Federal Savings Bank deposits) are: |
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