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The Tom Dupree Show

The Tom Dupree Show

De: Tom Dupree
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Investing For Retirement. Economía
Episodios
  • How Much Money Do I Need to Retire? The Income Answer That Actually Works

    How Much Money Do I Need to Retire? The Income Answer That Actually Works
    Apr 13 2026

    The post How Much Money Do I Need to Retire? The Income Answer That Actually Works appeared first on Dupree Financial.
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    45 m
  • Oil, Markets & Your Retirement | The Tom Dupree Show

    Oil, Markets & Your Retirement | The Tom Dupree Show
    Apr 13 2026

    The post Oil, Markets & Your Retirement | The Tom Dupree Show appeared first on Dupree Financial.
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    45 m
  • How to Inflation-Proof Your Retirement Portfolio

    How to Inflation-Proof Your Retirement Portfolio
    Apr 5 2026
    How Inflation Quietly Erodes Retirement Income — And What to Do About It Inflation is one of the most persistent and underestimated threats to a secure retirement. It doesn’t announce itself with a market crash. It doesn’t trigger news alerts. It just quietly shrinks what your dollars can buy — year after year, compounding on itself — until the retirement income you planned on no longer covers what life actually costs. On this special edition of The Financial Hour of the Tom Dupree Show, host Tom Dupree and portfolio manager Mike Johnson break down the real impact of inflation on retirement income and principal, and share the income-focused investment strategy Dupree Financial Group has used for decades to help clients stay ahead of rising costs. If you’re thinking about retirement or already in it, this conversation is one you won’t want to miss. — Why Inflation Is a Bigger Retirement Threat Than Most People Realize Most people think of inflation as prices going up. But as Tom Dupree explains, that’s not quite right — and the distinction matters enormously for retirement planning. “Inflation is not prices of things going up — it’s the value of the currency going down. When the government spends more than it takes in and the Federal Reserve monetizes that debt, money gets created out of nowhere. Now that money is out there competing with your dollars to buy things, crowding the market with more dollars and lowering the value of the ones that already exist.” — Tom Dupree And critically, this isn’t a temporary problem. As long as government spending outpaces revenue — which it has for years — inflation will remain a structural feature of the economy. The Federal Reserve tracks inflation data, but as both hosts point out, the headline number doesn’t tell the whole story for retirees. Mike Johnson adds a point that often surprises people: inflation compounds just like investment returns do — but in the wrong direction. “Let’s say inflation was running at 5% for a year or two and now it’s come down to 2.5 or 3%. The prices haven’t come down. Prices are still growing at a rate of 2 or 3% — compounding on previous moves. That $40 steak isn’t going back to $30. It’s going to stay at that higher price, permanently.” — Mike Johnson This is the compounding trap: while your investment returns compound upward, inflation compounds against your purchasing power. Both forces are working simultaneously over a 20- or 30-year retirement horizon. Ignoring one while managing the other is a plan that’s likely to fall short. — The Problem With “Safe” Retirement Investments Like Bonds and CDs Conventional wisdom says bonds, CDs, and money market accounts are safe retirement vehicles. Tom and Mike challenge that assumption directly — and for good reason. According to FINRA, bonds are fixed-income instruments — meaning the interest payment you receive today is the same one you’ll receive in 10, 20, or 30 years. That may feel stable, but over time it means your income doesn’t grow while your costs do. “Cash, CDs, and bonds — short term, they can be stable or safe. But long term, it’s one of the riskiest places you can be because you’re guaranteeing that your purchasing power is going to erode over time. There’s a difference between safety and security. Safety means the money will be there. Security means it will grow at the rate of inflation and pay you what you need over time. And those are different things.” — Tom Dupree Treasury Inflation-Protected Securities (TIPS), often cited as a workaround, have their own price dynamics that can counteract the inflation adjustment — and they still don’t deliver growth. The U.S. Treasury provides details on inflation-protected securities for those who want to understand the mechanics more fully. Key takeaway: What feels “safe” in the short term can be silently destructive over a 30-year retirement. Protecting your principal isn’t the same as protecting your purchasing power. — Why the S&P 500 Alone Isn’t Enough of an Inflation Hedge Another common assumption — that owning the stock market through an S&P 500 index fund will protect you from inflation — also gets a close look in this episode. The S&P 500 is primarily a growth vehicle with a very small dividend yield. That means the only inflation protection it offers comes from price appreciation. And markets, as 2022 demonstrated painfully, don’t always cooperate — especially when inflation and rising interest rates are the very cause of the downturn. “If historically the S&P 500 goes down when inflation is a problem, then you’ve got a problem if you’re trying to use it as a long-term inflation hedge — because in the short term it’s going to react to that. What we found is there needs to be another leg to that stool, other than just price movement.” — Tom Dupree That missing leg is income — specifically, ...
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    45 m
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