Market Volatility and Active Management: Why Portfolio Flexibility Matters

The Tom Dupree Show

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תוכן מסופק על ידי Tom Dupree. כל תוכן הפודקאסטים כולל פרקים, גרפיקה ותיאורי פודקאסטים מועלים ומסופקים ישירות על ידי Tom Dupree או שותף פלטפורמת הפודקאסט שלהם. אם אתה מאמין שמישהו משתמש ביצירה שלך המוגנת בזכויות יוצרים ללא רשותך, אתה יכול לעקוב אחר התהליך המתואר כאן https://he.player.fm/legal.

Cloud Realities

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CR093: Role of AI/Gen AI in cybersecurity with Corence Klop, Rabobank 44:18

לפני 5 ימים44:18

הפעל מאוחר יותר

רשימות

לייק

אהבתי

44:18

AI and Generative AI are transforming cybersecurity by enhancing threat detection and response. These technologies offer unmatched accuracy and efficiency, making them crucial for protecting sensitive data. As cyber threats evolve, integrating AI into security strategies is essential. This week, Dave, Esmee and Rob talk to Corence Klop, CISO at the Rabobank, about the expanding role of AI and Generative AI in cybersecurity, and how to begin integrating these technologies into your organization. TLDR 04:45 Rob is confused about wrong AI information for a hotel booking 08:20 Conversation with Corence 33:40 How can you identify the state of flow for your end-user in agile practices? 40:50 Going to the swimming pool and disco with your daughter Guest Corence Klop: https://www.linkedin.com/in/corenceklop/ Hosts Dave Chapman: https://www.linkedin.com/in/chapmandr/ Esmee van de Giessen: https://www.linkedin.com/in/esmeevandegiessen/ Rob Kernahan: https://www.linkedin.com/in/rob-kernahan/ Production Marcel van der Burg: https://www.linkedin.com/in/marcel-vd-burg/ Dave Chapman: https://www.linkedin.com/in/chapmandr/ Sound Ben Corbett: https://www.linkedin.com/in/ben-corbett-3b6a11135/ Louis Corbett: https://www.linkedin.com/in/louis-corbett-087250264/ ' Cloud Realities' is an original podcast from Capgemini…

לפני שנה 44:34

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## Show Notes ### Episode Overview In this timely episode, we dive deep into recent market movements, analyzing the Federal Reserve’s latest decision and its impact on various market […]

The post Market Volatility and Active Management: Why Portfolio Flexibility Matters appeared first on Dupree Financial.

301 פרקים

#Business #Tom Dupree

The Tom Dupree Show

Market Volatility and Active Management: Why Portfolio Flexibility Matters

The Tom Dupree Show

0-10 subscribers

published לפני שנה

שתפו

MP3•בית הפרקים

## Show Notes ### Episode Overview In this timely episode, we dive deep into recent market movements, analyzing the Federal Reserve’s latest decision and its impact on various market […]

The post Market Volatility and Active Management: Why Portfolio Flexibility Matters appeared first on Dupree Financial.

301 פרקים

#Business #Tom Dupree

כל הפרקים

The Tom Dupree Show

1
Biblical Wisdom and Cultural Commentary: Exploring Psalm 139 and Modern Values

לפני 1 day

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Biblical Wisdom and Cultural Commentary: Exploring Psalm 139 and Modern Values | The Tom Dupree Show A thoughtful exploration of biblical teachings, musical heritage, and cultural perspectives through the lens of financial wisdom and personal values. Meta Description Discover the profound message of Psalm 139 on human value, explore cultural insights on fear-driven politics, and learn why financial decisions should align with timeless values. Introduction Tom Dupree takes listeners on a journey through biblical wisdom, nostalgic reflections on Southern culture, and thoughtful commentary on current events. Join us as we explore the profound teachings of Psalm 139 and examine how our values shape our perspectives on life, politics, and financial decisions. The Power of Musical Heritage in Southern Culture Tom opens the show with warm reflections on growing up in Harlan, Kentucky, where his family would gather around the radio to listen to programs like the Grand Ole Opry and Cas Walker’s radio show: The unifying power of radio in mountain communities The struggle and character behind country music’s greatest artists How Nashville became a haven for talented musicians from humble beginnings The lasting cultural impact of these musical traditions “People make fun of country music. They don’t understand the struggle that some of these people had to go through to get where they got, the character that was required.” Biblical Wisdom: The Profound Message of Psalm 139 The episode features a thoughtful examination of Psalm 139, which Tom reads from the King James Version. This powerful passage addresses: God’s omniscience and intimate knowledge of each person The wonder of human creation and development The sanctity of life from conception “I will praise thee for I am fearfully and wonderfully made, marvelous are thy works, and that my soul knoweth right well… This describes a baby being formed in the womb.” The Value of Every Human Life Tom emphasizes how some of history’s most influential creators overcame significant challenges: English poets Samuel Johnson and Alexander Pope suffered from physical deformities Many musicians survived abuse and poverty to create lasting cultural contributions These individuals, who might have been “thrown away,” contributed immeasurably to culture and society Moving Beyond Fear-Driven Politics Tom addresses the climate of fear and obsession in modern political discourse: The destructive nature of living in constant fear How media fixation on certain political figures prevents enjoyment of life Biblical perspectives on fear and its paralyzing effects “What’s been going on with your life for the last 10 years? How much of your life has passed by you and you haven’t enjoyed it? When you dread something, you draw it to you. The thing that you fear the most ends up happening.” “Fear not. How many times in the Bible? If you live in fear, my body and my mind are paralyzed. I can’t really live, I can’t make good decisions because I’m paralyzed with fear.” Key Takeaways Biblical wisdom provides timeless guidance on the value of human life and overcoming fear Cultural heritage, especially music, reflects the triumph of human spirit over adversity Fear-driven politics and media consumption can prevent us from living fully Financial decisions should align with your personal values and spiritual beliefs Building a relationship with something higher than yourself provides perspective in uncertain times Take Action: Align Your Finances With Your Values If market volatility has you concerned about your retirement portfolio, now is an ideal time to reassess your investment strategy. Contact Dupree Financial Group at 859-233-0400 or schedule an appointment directly on our website at dupreefinancial.com . As Tom says: “I’m in the money business. I know as well as anybody that it can’t make you happy if you’re not already happy from within.” Let our team approach ensure you benefit from diverse expertise rather than relying on a single advisor. We believe in building long-term relationships with people—not just their money—as the foundation of successful wealth management. Connect With Us Follow The Tom Dupree Show for more insightful discussions on finance, faith, music, and current events. To hear more episodes, visit dupreefinancial.com and click on the Radio tab. Hashtags #BiblicalWisdom #Psalm139 #FinancialValues #RetirementPlanning #KentuckyHeritage #GrandOleOpry #WealthManagement #FaithAndFinance #InvestmentStrategy #LegacyPlanning The post Biblical Wisdom and Cultural Commentary: Exploring Psalm 139 and Modern Values appeared first on Dupree Financial .…

The Tom Dupree Show

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Investment Planning for Retirement: Creating Income Streams Through Dividends

לפני 3 ימים

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Investment Planning for Retirement: Creating Income Streams Through Dividends Market Volatility and Your Retirement Plan: Why Income Matters In today’s unpredictable market environment, having a clear investment plan is more critical than ever. The recent Financial Hour with Tom Dupree and Mike Johnson discusses why many investors struggle during market downturns and how focusing on income-generating investments can provide stability through market volatility. As Tom explains, “Market volatility can lead to extremes on both sides. One extreme is that they abandon everything, abandon all hope, sell everything, go to cash. The other extreme is that you do absolutely nothing.” What Defines a True Investment Plan? Many people confuse having a savings plan with having an investment plan. According to Tom Dupree, there’s a critical distinction between the two: “Some people say, sure. I have a plan. I’m putting X amount into my 401k. I’m putting money into a Roth. I’m putting it into this, to that. That’s not an investment plan. That’s a savings plan. Two completely different things.” A robust investment plan isn’t just about where you put your money—it’s about having a strategy for how that money will work for you, especially during retirement when you need income. The Dupree Financial Investment Approach The Dupree Financial Group follows a clear, two-part investment plan: “Our investment plan is to first produce an income stream through dividends and interest payments. And then secondly, capital appreciation. We achieve this through using publicly traded securities held at reasonable valuations.” This approach focuses on: Income generation through dividends and interest Capital appreciation through reasonable valuations Publicly traded securities Why Income Matters More Than Growth in Retirement The Problem with Pure Growth Investing Many investors, particularly those with 401(k) plans, are heavily invested in growth-oriented funds that mirror the S&P 500. While this strategy can work during accumulation years, it presents serious challenges during retirement: “We may not feel like you’re equipped to set out and lay out every element of your investment plan. That’s where we can come in and help you because we do this and it’s not an investment plan that operates in a vacuum. This investment plan is designed to throw off income for you on a regular basis.” The Benefits of Dividend-Focused Investing Dividend investing provides several advantages for retirees: Income regardless of market conditions – You receive payments whether the market is up or down Less need to sell during downturns – You’re not forced to liquidate assets at low prices Compound growth potential – Reinvested dividends can accelerate portfolio growth Reduced emotional stress – Regular income provides peace of mind during volatility “Well, at least you’re getting paid while you wait. See, that’s the good thing about dividends. At least it’s paying you while you wait for it to either grow or just go sideways, you’re getting some kind of income.” Key Investment Planning Takeaways Do you have a clearly defined investment plan you can explain in 1-2 sentences? Your plan should dictate your actions, not market conditions or emotions Downturns hurt twice as much psychologically as gains feel good Fear prevents necessary portfolio adjustments Understanding what you own reduces anxiety during market volatility A retirement plan must produce income to be effective Making Your Money Work Through Market Turbulence In today’s challenging market environment, it’s essential to: Review your investment plan if you have one Create a plan focused on income if you don’t Ensure your plan aligns with your current life situation, not past circumstances Look beyond short-term market movements to company fundamentals Consider whether your portfolio is designed to provide reliable income “Don’t let what’s going on in the market prevent you from making changes, actually examine and say, okay, what’s going on with my portfolio right now is a symptom of a misinvestment or an investment mix that doesn’t work with my situation anymore.” Ready to Make Your Money Work for You? Is market volatility causing concern about your retirement portfolio? The team at Dupree Financial Group can help you develop a resilient investment plan focused on generating income through dividends and interest payments. Contact Dupree Financial Group today for a portfolio analysis that can identify risk and opportunity in today’s challenging market. Call us at 859-233-0400 or schedule an appointment directly on our homepage at dupreefinancial.com . Hashtags for sharing: #RetirementPlanning #InvestmentIncome #DividendInvesting #MarketVolatility #FinancialPlanning #RetirementIncome #WealthManagement #FinancialAdvisor #InvestmentStrategy #PortfolioManagement The post Investment Planning for Retirement: Creating Income Streams Through Dividends appeared first on Dupree Financial .…

The Tom Dupree Show

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Trump Administration’s Impact on Government Reform and Judicial Accountability 44:36

לפני 10 ימים44:36

44:36

Trump Administration’s Impact on Government Reform and Judicial Accountability In this episode of The Tom Dupree Show, host Tom Dupree examines the Trump administration’s efforts to reform government waste while facing resistance from the judicial system. Episode Overview The Tom Dupree Show addresses pressing political issues in today’s divisive climate, focusing on government reform, judicial accountability, and the challenges facing the Trump administration’s efforts to implement change. This episode explores the relationship between the judiciary and politics, Elon Musk’s evolving public perception, and contrasting perspectives on innovation across America. Key Topics Discussed In this honest and unfiltered conversation, Tom Dupree shares insights on: Judicial Accountability : The concerning relationships between Supreme Court justices and lower court judges Government Reform : Trump administration’s efforts to eliminate waste and bureaucracy Elon Musk’s Transformation : How public perception shifted as Musk aligned with different political viewpoints Innovation Culture : The contrast between regions focused on creation versus litigation Energy Efficiency : A critical examination of electric vehicles versus traditional combustion engines The Judiciary’s Secret Connections Tom discusses the revelation of a private club called “America Ends of Court” that includes Supreme Court Chief Justice John Roberts and other judges who have opposed Trump’s policies. This raises serious questions about judicial impartiality and the separation of powers. “These people are all in bed with each other, especially in the judiciary. People think, well, the judiciary is completely sacrosanct. That would be the third branch of government…” – Tom Dupree Government Reform Efforts The episode highlights the Trump administration’s commitment to reducing government waste and corruption, despite significant resistance from established institutions. “We have a president who is trying to clean up so many things in the government that have gone off track and he’s being stymied at every point along the way.” – Tom Dupree Changing Perspectives on Elon Musk Tom explores how public perception of Elon Musk has dramatically shifted as his political views evolved. “These people were worshiping Elon Musk two or three years ago. Now they want to kill him because he changed. He simply followed his logic to do what he felt was the right thing for the country.” – Tom Dupree The Value of Innovation Culture Drawing from observations during a visit to Northern California, Tom contrasts regions focused on innovation and creation versus areas dominated by litigation and entitlement mentality. “What I saw at this conference we went to were a bunch of collaborators. These were people who love starting companies.” – Tom Dupree Technology and Energy Perspectives The conversation shifts to a critical examination of electric vehicles, questioning whether they’re truly as environmentally friendly as claimed. “Electric cars are the most inefficient thing there is. A diesel engine generates the power right inside the car, and a greater amount of that power being generated goes directly to propulsion.” – Tom Dupree Key Takeaways Judicial accountability and transparency are essential for maintaining separation of powers Innovation culture varies significantly across different regions of America Public figures like Elon Musk face dramatic shifts in public perception when their political views change The environmental benefits of electric vehicles deserve more critical examination Finding happiness comes from “building something with people that’s bigger than them” Call to Action Ready to make your money work for you? Contact Dupree Financial Group for a portfolio analysis that can identify risks and opportunities in today’s challenging market. Call us: 859-233-0400 Website: dupreefinancial.com Schedule an appointment: Directly on our website homepage Relevant Hashtags #TomDupreeShow #GovernmentReform #JudicialAccountability #InnovationCulture #ElonMusk #TrumpAdministration #RetirementPlanning #FinancialFreedom #InvestmentStrategy #PoliticalDiscussion The post Trump Administration’s Impact on Government Reform and Judicial Accountability appeared first on Dupree Financial .…

The Tom Dupree Show

1
Retirement Wealth Myths Busted: How Dividend Investing Creates Income 44:37

לפני 10 ימים44:37

44:37

The Truth About Building Wealth in America In this insightful episode of The Tom Dupree Show, Tom and Mike Johnson tackle the common misconception that only the ultra-wealthy have benefited from market growth. They share real-world observations about how everyday Americans have successfully built substantial retirement savings through consistent investing and smart financial planning. The conversation explores how proper investment strategies focusing on dividend-paying stocks can provide stability during market volatility while generating reliable income streams for retirees. Key Market Insights Discussed: Recent market conditions showing outperformance of value stocks over growth stocks The rotation from growth-oriented tech companies to dividend-paying sectors How proper investment allocation has protected portfolios during recent corrections “There are people out there that are not rich by any stretch of the imagination, that have done way better than they ever thought they would. Primarily through investing in company sponsored retirement plans, whether it be 401k, 403B… and many of these people are a lot wealthier than they ever thought they would be.” – Tom Dupree Surprising Statistics on Retirement Success Mike Johnson shares eye-opening statistics from Fidelity that counter the narrative that only the ultra-wealthy benefit from market growth: 401(k) millionaires increased 27% in 2024 to 537,000 (up from 422,000 in 2023) IRA millionaires grew 8% to 344,000 Gen X savers who stayed with employers for 15+ years averaged $590,000 in savings (up 18% from prior year) 87% of households earning over $100,000 own stocks in some form “The number of 401k millionaires rose 27% over the course of 2024… 537,000 401k millionaires versus 422,000 at the end of 2023.” – Mike Johnson Why Professional Investment Management Matters The hosts explain why professional investment management provides value beyond what most individuals can achieve on their own: Extensive research capabilities identify optimal investment opportunities Experience navigating market volatility helps avoid reactive decisions Strategic portfolio construction focusing on income generation rather than just asset growth Professional advisors provide flexibility that many employer-sponsored plans lack The Income-First Retirement Approach One of the most valuable insights shared is the fundamental shift in perspective needed when approaching retirement: “You don’t live on a balance sitting in a plan. You live on income.” – Tom Dupree The discussion highlights how focusing on dividend income provides several advantages for retirees: Dividend growth has outpaced inflation (85.78% dividend growth vs. 34.43% inflation over the past decade) Creates reliable cash flow regardless of market fluctuations Reduces sequence of return risk during market downturns Provides growing income to combat rising living costs The Limitations of Traditional Retirement Planning Tom and Mike explain the pitfalls of conventional retirement planning approaches: Many employer-sponsored plans focus primarily on asset accumulation rather than income generation Plan advisors often have limited investment options and conflicts of interest Generic “income funds” often contain overlapping holdings with minimal differentiation Traditional growth-focused strategies may not address retirees’ need for consistent income Practical Takeaways for Listeners Focus on income production rather than just account balances when planning for retirement Consider dividend-paying investments for reliable cash flow in retirement Don’t underestimate the power of consistent contributions to employer retirement plans Understand that market volatility creates buying opportunities for income-focused investors Recognize that professional investment management can provide flexibility beyond typical retirement plans “Volatility gives you opportunities… but when your situation has changed to where you’re not dollar cost averaging for 25 years and now you’re starting to take withdrawals, that’s where sequence of return risk [matters]. You need consistency in terms of cash flow.” – Mike Johnson Take Action for Your Retirement Security If market volatility has you concerned about your retirement income strategy, now is the time to reassess your investment approach. A professional analysis can help identify opportunities to create reliable income streams while managing risk. Contact Dupree Financial Group at 859-233-0400 or schedule an appointment directly on our website at dupreefinancial.com . Hashtags for Social Sharing: #RetirementPlanning #DividendInvesting #RetirementIncome #WealthBuilding #MarketVolatility #IncomeStrategy #RetirementMyths #401kMillionaires #FinancialIndependence The post Retirement Wealth Myths Busted: How Dividend Investing Creates Income appeared first on Dupree Financial .…

The Tom Dupree Show

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Road Trips, Musical Memories & Economic Reflections 44:33

לפני 16 ימים44:33

44:33

Tom Dupree Show: Road Trips, Musical Memories & Economic Reflections Meta Description: Tom Dupree shares nostalgic road trip stories, explores how music anchors life memories, and offers thought-provoking insights on economics, theology, and modern politics. The Power of Musical Memories and Life’s Journey In this episode of the Tom Dupree Show, Tom takes listeners on a nostalgic journey through his memorable road trips while exploring how music serves as emotional anchors to life’s significant moments. From the Hughes Corporation’s “Rock the Boat” reminding him of his post-high school adventure to Banff in 1974, to Little River Band triggering memories of Montana campgrounds in 1978, Tom demonstrates how songs become powerful time capsules for our experiences. Cross-Country Adventures & Youthful Explorations Tom’s vivid storytelling transports listeners to his post-graduation road trip with friends, driving from Kentucky to Banff, Alberta. His journey includes: Three-day drive from Lexington across Wisconsin, Minnesota, North Dakota, and Montana Hiking adventures at Mount Almer near Lake Menowanca Humorous mishaps with wet camping gear and motel room heaters Continuing through Glacier National Park, Grand Tetons, and Rocky Mountain National Park “That’s why music is so important to me because I use it to document certain things that happened in my life mentally and emotionally, you know, you just remember stuff.” Biblical Reflections: Grace, Peace and Purpose Tom shares thoughts from the Book of Colossians, offering personal interpretations about grace and peace: Grace defined as “walking around good stuff” – unexpected positive things that happen daily Peace described as the absence of conflict in personal, family, or business relationships Reflections on Christian love and service to others “We do it out of love. We pay for this, but we don’t really get anything from it other than the knowledge that we are doing it out of love for other people.” Economic Perspectives and Political Observations Tom draws fascinating parallels between economics and theology, challenging established thinking in both domains: The “Religion” of Economics vs. Practical Experience Tom explores how economic theory, like theology, becomes a kind of religion with: Professional “priests” who dictate accepted practices Resistance to ideas outside established academic frameworks Tensions between intellectual theories and practical experience “When you enter into the world of religion, you enter into a world of rules. Ways that we do things, the tried and true ways of doing things. And we subscribe to the things that our elders taught us to do.” Reflections on Current Political Climate The episode concludes with Tom’s observations on recent political shifts and media reliability: Discussion of changing economic reporting practices Commentary on information filtering through “established channels” Reflections on the importance of unfiltered information reaching average citizens Financial Management Insights As always, Tom reminds listeners that Dupree Financial Group helps clients navigate market turbulence with adaptive retirement plans focused on: Generating steady income Keeping pace with rising costs Maintaining purchasing power Take Action Today If you’re feeling the pinch of rising prices or concerned about market turbulence, Dupree Financial Group offers complimentary portfolio reviews. Call 859-233-0400 or visit dupreefinancial.com to schedule your appointment and ensure you’re positioned correctly for the retirement you envision. Hashtags for Sharing: #FinancialWisdom #RetirementPlanning #RoadTripMemories #MusicMemories #EconomicInsights #PodcastHighlights #FinancialFreedom #InvestmentStrategy #PersonalFinance #LifeLessons The post Road Trips, Musical Memories & Economic Reflections appeared first on Dupree Financial .…

The Tom Dupree Show

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Tradition vs Innovation: Finding Balance in Art, Economics, and Society HOUR3 3-15-25

לפני 16 ימים

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Tradition vs Innovation: Finding Balance in Art, Economics, and Society | The Tom Dupree Show Episode Overview In this episode of The Tom Dupree Show, we examine the crucial relationship between tradition and innovation across multiple facets of society. Beginning with an analysis of the musical evolution of the band Yes, Tom draws parallels between artistic progression and broader societal shifts, arguing that meaningful advancement comes from building upon—rather than abandoning—established foundations. The Value of Tradition in a Forward-Looking World Tom opens the conversation by highlighting how successful artists, like the band Yes and Chris Stapleton, incorporate traditional influences while adding their unique perspective. This musical analysis serves as a metaphor for how society functions best when it respects historical precedent while embracing thoughtful innovation. “The artistic tradition keeps going and the artist’s job is to look back on the experience in light of what came before and what has come in the meantime and survey the situation.” The discussion expands to address how abandoning tradition can lead to problematic outcomes in various spheres: Economic instability and unsustainable policies Loss of cultural continuity Confusion around identity and values Disconnection from historical wisdom Finding Balance Between Past and Future Tom examines how truly successful innovations—whether in music, economics, or social structures—honor their origins while pushing boundaries in meaningful ways. Key points include: The importance of learning fundamentals before innovating How traditional restraints often exist for good reasons The cyclical nature of prosperity following periods of return to tradition The potential for a new creative renaissance when innovation is properly balanced with respect for the past “True art is self expression within a tradition… You go to any beginning painting class, you have to learn certain things.” Economic Principles and Market Resilience In the second half of the show, Tom connects these philosophical observations to economic realities, suggesting that certain fundamental principles remain true regardless of shifting political landscapes. “One of the things that I have learned in 47 years in the same business… is that the economy over time doesn’t lie. Certain principles remain principles, whether people try to do away with them or not.” The discussion touches on: How investment in fundamental businesses remains sound despite political changes The importance of dividend-yielding companies that “make things and do things” Observations about market resilience during periods of significant social change Key Takeaways Innovation is most meaningful when it builds upon rather than rejects tradition Successful artists and thinkers understand how to balance respect for the past with forward-looking creativity Economic principles remain consistent despite changing political landscapes Investment strategies focused on companies that provide essential goods and services offer stability Current social and political changes may represent a return to more traditional values in some respects Connect With Us Ready to make your money work for you? Contact Dupree Financial Group for a portfolio analysis that can identify risks and opportunities in today’s challenging market. Call us: 859-233-0400 Visit: dupreefinancial.com Schedule: Book an appointment directly through our website homepage Share This Episode #TomDupreeShow #TraditionAndInnovation #FinancialWisdom #InvestmentStrategy #EconomicPrinciples #DividendInvesting #ArtisticTradition #MusicAndSociety #RetirementPlanning #FinancialAdvisory Last edited just now The post Tradition vs Innovation: Finding Balance in Art, Economics, and Society HOUR3 3-15-25 appeared first on Dupree Financial .…

The Tom Dupree Show

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Market Volatility and Retirement Investment Strategies: Making Your Money Work for You 42:49

לפני 16 ימים42:49

42:49

Market Volatility and Retirement Investment Strategies: Making Your Money Work for You Meta Description: Learn how government borrowing affects interest rates and retirement investments. Tom Dupree explains value-based investing strategies during market volatility for retirees. The Impact of Government Borrowing on Retirement Investments In this episode of The Tom Dupree Show, Tom Dupree and Mike Johnson discuss how government borrowing affects interest rates and what this means for retirement investors. The conversation provides valuable insights into investment strategies during market volatility and the importance of making informed choices about your retirement portfolio. Understanding the “Crowding Out” Effect on Interest Rates Tom explains the concept of “crowding out” in the bond market, where extensive government borrowing affects interest rates and investment opportunities: “The biggest by far issuer of debt, bonds, those sorts of things in the marketplace is the U.S. government… The demand for them to have to borrow money keeps interest rates up.” Mike Johnson elaborates further: “Think of debt that’s being issued is competing for dollars… if there’s more debt, more competition for those dollars… interest rates go up because those people who have the dollars can essentially demand a higher rate.” Why Your Retirement Investment Approach Matters The hosts emphasize that retirement investing requires a different approach than accumulation: The dangers of “autopilot” investing : Simply following the S&P 500 without considering valuations Importance of valuation-based decisions : Choosing investments based on value rather than following the crowd Dividend-focused strategy : Finding investments that provide income during retirement Risk management : Protecting against market volatility when withdrawals are necessary Tom highlights the importance of making active choices with your retirement investments: “The market does not care who you voted for… Do you want to have the same result as everybody else? Is that all you want in life is just to float along like everybody else does?” Finding Opportunities in Market Volatility The hosts explain how market downturns can create investment opportunities for those who understand valuations: 73% of S&P 500 companies were trading 10% below their 52-week high 203 companies were more than 20% below their 52-week high Value stocks and dividend payers have generally held up better during recent volatility “If you let valuations dictate your investment approach, then you avoid a lot of the pitfalls that are out there. And the pitfall being, you pay way too much at the exact wrong time.” Take Control of Your Retirement Strategy Today If market volatility has you concerned about your retirement portfolio, now is an ideal time to reassess your investment strategy. Dupree Financial Group’s approach focuses on valuation-based investing that can help identify both risks and opportunities in today’s challenging market. Ready to Make Your Money Work for You? Contact Dupree Financial Group at 859-233-0400 or schedule an appointment directly on the homepage of their website at dupreefinancial.com for a portfolio analysis. Hashtags for Social Sharing #RetirementPlanning #MarketVolatility #InvestmentStrategy #FinancialPlanning #WealthManagement #RetirementIncome #ValueInvesting #PortfolioManagement #InterestRates #FinancialAdvisor The post Market Volatility and Retirement Investment Strategies: Making Your Money Work for You appeared first on Dupree Financial .…

The Tom Dupree Show

1
U.S. Government Debt Crisis: Understanding the Coming Fiscal Reckoning HOUR3 3-08-35

לפני 23 ימים

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U.S. Government Debt Crisis: Understanding the Coming Fiscal Reckoning The Alarming Truth About U.S. Government Finances In this eye-opening episode of The Tom Dupree Show, host Tom Dupree shares his expertise on government finances and explains why the United States faces serious fiscal challenges that will require difficult decisions ahead. As a financial expert with experience in the municipal bond business, Dupree offers unique insights into how government debt actually works and why changes are inevitable. The Misconception About Government Funding Tom Dupree begins by challenging a common misconception about how the federal government operates: “People think, well, the U.S. government runs on taxes. No, it doesn’t. It runs on borrowed money. The money that is borrowed is far larger than what we’re receiving in terms of taxes. If the bond market stopped functioning tomorrow, the government would be out of business.” The Unsustainable Debt Cycle The show explains how the government’s approach to debt has created an unsustainable situation: Most government bonds are never paid off – they’re simply reissued The U.S. is running approximately $2 trillion in deficits every year The government is effectively bankrupt, according to Dupree (and recently echoed by Elon Musk) Without changes, the market will eventually force painful adjustments The Difficult Path Forward Dupree doesn’t shy away from politically sensitive topics, stating: “Two of the biggest things they’re going to have to get cut ultimately are Social Security and Medicare. It’ll be political suicide for whoever does it. They better be willing to commit political suicide, but that is exactly what’s going to have to happen.” He suggests potential solutions like offering buyout options for those who don’t need the benefits. Government Spending at All Levels Federal to Local: The Spending Problem Flows Downhill Tom explains how the spending problem extends beyond Washington: “This all has to filter down. We’ve got to see governments become not spending for the sake of politics and getting votes, but tearing things down and just focusing on essential services and let the private sector do the other stuff.” The discussion turns to local spending issues in Lexington, Kentucky, including: Questionable school construction despite declining student numbers The city’s borrowing practices and investment rating concerns The political challenges of making necessary cuts Investment Strategy in Uncertain Times Dupree shares his firm’s approach to investing during fiscal uncertainty: “Our firm invests in things that produce things, not just money, but actual companies that are productive, build things, make things. Provide services for people, things that people can’t do for themselves.” He emphasizes that even if monetary values fluctuate, goods and services maintain their intrinsic value. Taking Action for Retirement Planning In uncertain economic times, smart retirement planning becomes even more essential. The Tom Dupree Show regularly provides insights on financial challenges and making sound investment decisions. What You Can Do Now Stay informed about government spending at all levels Focus on investments in productive companies and essential services Prepare for potential changes to entitlement programs Consider how local government spending impacts your taxes Develop a financial strategy that accounts for fiscal uncertainty Connect With Us Want to learn more about protecting your financial future? Visit Dupree Financial Group at dupreefinancial.com or call 859-233-0400 to book an appointment. You can easily schedule through our website. Join the Conversation Share your thoughts on government spending and financial planning strategies with these hashtags or email info@dupreefinancial.com : #GovernmentDebt #FiscalResponsibility #BondMarket #FinancialPlanning #RetirementSecurity #SocialSecurityReform #InvestmentStrategy #TomDupreeShow #EconomicOutlook #TaxReform #RetirementPlanning The post U.S. Government Debt Crisis: Understanding the Coming Fiscal Reckoning HOUR3 3-08-35 appeared first on Dupree Financial .…

The Tom Dupree Show

1
Market Volatility and Value Investing: Uncertain Times with Dividend Growth Stocks HOUR 2 3-08-25

לפני 23 ימים

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Market Volatility and Value Investing: Navigating Uncertain Times with Dividend Growth Stocks Episode Overview: Market Volatility and Investment Strategy In this episode of The Financial Hour, Tom Dupree and Mike Johnson discuss recent market volatility, high tech stock valuations, and why dividend growth investing may be a safer strategy for retirees in today’s economic environment. 🎧 Introduction: Market Bipolar Behavior and Valuation Concerns Tom and Mike open the show and discuss the recent “bipolar” market behavior driven by headlines and uncertainty around tariffs. They explain that the market as a whole was “priced for perfection,” making it vulnerable to volatility when uncertainty arises. “The market was really priced for perfection. And so you get any kind of uncertainty and the market’s going to have a knee-jerk reaction because, hey, this might not be perfect.” – Mike Johnson Key points: Markets have been experiencing significant volatility due to tariff concerns Many sectors were priced for perfection, making them susceptible to downturns Consumer retail stocks with exposure to China have been particularly hard hit 🎧 Recession Talk and Industry-Specific Downturns The hosts discuss how recession predictions have repeatedly failed to materialize, though certain industries are experiencing their own recessions. The Housing market has been in a recession with many real estate agents seeing their worst year in 20 years Higher interest rates have significantly impacted mortgage originations Many industries connected to housing (furniture, banking, mortgage) are affected “If you’re a real estate agent and you depend upon commissions and your income’s down 50 percent or more… that’s a life-altering downturn.” – Tom Dupree 🎧 Tech Stock Valuation Concerns Mike and Tom express concern about the high valuations of big tech stocks and how they’ve become viewed as “safe” investments despite their elevated prices. Tech stocks with high valuations have experienced the sharpest corrections Some major tech companies are down 15-20% from December highs The NASDAQ has entered correction territory “Big tech, the top seven, eight, nine, 10 companies in the S&P 500 had become almost like government bonds… Flight to safety. People would dumping money into those companies as though there were no risk at all.” – Tom Dupree 🎧 Howard Marks on Future Returns and Fixed Income The hosts discuss insights from Howard Marks, co-chair of Oak Tree Capital, regarding future market returns and the comparative appeal of fixed income. According to Marks, the S&P 500’s current P/E ratio of around 21 historically suggests returns between -2% and 2% over the next decade AAA corporate bonds currently yield about 4.44% 10-year Treasury bonds yield about 4.25% BBB-rated corporate bonds yield about 5.3% “From the S&P 500, you’re not going to get the historic return of 10 percent a year for the next decade, you’ll get something less.” – Howard Marks (quoted by Mike) 🎧 The Case for Dividend Growth Investing The hosts make the case for dividend growth investing as a compelling alternative to both broad market index funds and fixed income. They highlight a company with a 6% dividend yield and consistent dividend growth Dividend income typically receives more favorable tax treatment than interest income Unlike bonds, dividend-paying stocks offer potential income growth to combat inflation “The dividend growth has been consistent, very consistent… The share price is impacted by what’s going on in the market on a day-to-day basis, but that income stream has been very consistent.” – Mike Johnson Key Takeaways Current market volatility is largely driven by uncertainty around tariffs and high valuations Specific sectors like housing and retail are already experiencing recession-like conditions High-valuation tech stocks have become vulnerable after being treated as “safe” investments According to Howard Marks, the S&P 500 may deliver significantly lower returns over the next decade Dividend growth stocks may offer advantages over both broad market indexes and fixed income for retirees Take Action Today If market volatility has you concerned about your retirement portfolio, now is an ideal time to reassess your investment strategy. Contact Dupree Financial Group for a portfolio analysis that can identify risks and opportunities in today’s challenging market. Call us at 859-233-0400 or schedule an appointment directly on our website at dupreefinancial.com . #InvestmentStrategy #DividendInvesting #MarketVolatility #RetirementPlanning #ValueInvesting #StockMarket #FinancialAdvice #PortfolioManagement #IncomeInvesting #MarketCorrection The post Market Volatility and Value Investing: Uncertain Times with Dividend Growth Stocks HOUR 2 3-08-25 appeared first on Dupree Financial .…

The Tom Dupree Show

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Spiritual Battles and American Values: Mental Health in Politics. HOUR1 3-01-25

לפני 30 ימים

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The Battle Is Not Yours: Lessons from Psalm 35 | Tom Dupree Show. Tom explores the powerful message of Psalm 35 and how it relates to our modern cultural and political landscape. Tom examines how many dysfunctional behavioral patterns have become normalized in American society, particularly in politics. Episode Highlights Spiritual Battles: The Lord Fights For Us Tom opens with a discussion of Psalm 35, highlighting how scripture teaches us that our true spiritual battles are fought by the Lord, not by our own strength. “A lot of people think that the spiritual life, the Christian life is about fighting the good fight onward…But if you really look into what things say in scripture, the real battles are fought by the Lord. The people simply show up.” – Tom Dupree Tom emphasizes that true spiritual growth comes from knowing God through prayer and scripture, rather than relying on our own efforts. Dysfunctional Patterns in Modern America Drawing from a list of characteristics associated with adult children of alcoholics, Tom makes connections to behaviors he observes in American political discourse: Fear of Authority “One thing about people nowadays, anybody that acts like they do have some authority, people are very quick to shoot arrows in their back.” Approval Seeking “The people that are decidedly sort of left wingers would throw something out there and then there would be this echo chamber of their friends… It was not ever designed for somebody to really present an idea that might oppose what that person said.” Victim Mentality “We think of ourselves as victims. We don’t look at life and say…people were just, they were all talking about January 20th and that’s when my life changed as if I had been victimized by this election process.” America First vs. Misplaced Priorities Tom discusses how focusing on international issues at the expense of domestic needs reflects unhealthy patterns. “We have an overdeveloped sense of responsibility and it is easier for us to be concerned with others rather than ourselves. This enables us not to look too closely at our own faults…This obsession with Ukraine…We are way more concerned with Ukraine than we are, say, with people in Western North Carolina who still don’t have homes.” Understanding Wealth and Business Success In the final segment, Tom offers perspective on how billionaires are misunderstood: “Billionaires are like athletes we don’t begrudge. No politicians begrudge Luca for being a good basketball player or LeBron James…but if you’re talented in the area of business and you happen to have created a lot of things and a lot of wealth, all of a sudden you’re a billionaire You’re bad. No, these are some of the most gifted people on the face of the earth.” Final Thoughts Tom Dupree presents a compelling case for how many Americans have adopted unhealthy, reactive patterns of thinking that manifest in our political discourse. By drawing parallels between the characteristics of dysfunction and current political behavior, he challenges listeners to examine their own patterns and consider more balanced, healthy perspectives. Whether you agree with his political assessments or not, Tom’s insights on spiritual battles being fought by the Lord and the importance of balancing care for others with self-care offer valuable food for thought for anyone seeking greater wisdom and balance in their approach to life and politics. This episode of the Tom Dupree Show is brought to you by Dupree Financial Group, where we make your money work for you. For more episodes, visit dupreefinancial.com and click on the radio tab. The post Spiritual Battles and American Values: Mental Health in Politics. HOUR1 3-01-25 appeared first on Dupree Financial .…

The Tom Dupree Show

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Investment Strategies for Retirees: Why Dividend Income Beats Market Momentum HOUR2 3-01-25

לפני 30 ימים

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How to Create Income from Retirement Savings: Alternatives to Annuities | The Financial Hour Meta Description: Discover dividend strategies for market downturns and how to avoid running out of money […] The post Investment Strategies for Retirees: Why Dividend Income Beats Market Momentum HOUR2 3-01-25 appeared first on Dupree Financial .…

The Tom Dupree Show

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Market Volatility Explained: How Value Investing Protects Your Retirement Portfolio | 44:33

לפני 5 weeks44:33

44:33

Market Volatility and Finding Value: Why Our Defensive Approach Works In today’s volatile market environment, many investors watching broad market indices tumble may be wondering how to better protect their […] The post Market Volatility Explained: How Value Investing Protects Your Retirement Portfolio | appeared first on Dupree Financial .…

The Tom Dupree Show

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Prayer, Politics, and Personal Growth: Finding Truth Beyond Party Lines 44:32

לפני 5 weeks44:32

44:32

Tom Dupree delivers a thought-provoking exploration of faith, political independence, and the search for truth in America’s complex landscape. Drawing from Psalm 63 and personal experiences, Dupree shares insights about […] The post Prayer, Politics, and Personal Growth: Finding Truth Beyond Party Lines appeared first on Dupree Financial .…

The Tom Dupree Show

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Rebuilding Society and Financial Transparency HOUR 1 2-15-25

לפני 6 weeks

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Show Notes: Tom Dupree Show Episode Highlights Introduction and Scripture Reading Tom Dupree opens the show with a reading from Nehemiah, reflecting on the rebuilding of Jerusalem after its […] The post Rebuilding Society and Financial Transparency HOUR 1 2-15-25 appeared first on Dupree Financial .

The Tom Dupree Show

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The Root of Government Fraud: How Fiat Currency Fuels Corruption and Waste HOUR3 2-15-25

לפני 6 weeks

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In the latest episode of The Tom Dupree Show, Tom examines the fundamental causes of government fraud, abuse, and waste. Moving beyond partisan finger-pointing, he explores how the detachment from […] The post The Root of Government Fraud: How Fiat Currency Fuels Corruption and Waste HOUR3 2-15-25 appeared first on Dupree Financial .…

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Market Volatility and Active Management: Why Portfolio Flexibility Matters

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Market Volatility and Active Management: Why Portfolio Flexibility Matters