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Listen "Do You Have a Portfolio or a Plan? HOUR2. 12-07-24"
Episode Synopsis
Do You Have a Portfolio or a Plan?
Financial Hour with Tom Dupree and Mike Johnson
Episode Highlights
Understanding Portfolios vs. Plans
A portfolio is simply a collection of investments (stocks, mutual funds, ETFs, bonds)
Having a portfolio doesn’t necessarily mean you have a financial plan
A single product (like an annuity or mutual fund) is not a portfolio
The Evolution of Retirement Planning
Modern retirement accounts (401ks, 403bs) have changed how people interact with investments
Many investors today are less hands-on compared to previous decades
Automatic deductions have made portfolio-building more passive
Key Components of Portfolio Construction
Each holding should serve a specific purpose
Portfolio construction is like a recipe – individual ingredients work together
Time itself shapes portfolios through market performance
Fund managers often handle construction for mutual funds and ETFs
Creating Your Financial Plan
Consider these key questions:
When will you need to spend the money?
What are your current spending habits?
What’s your savings rate?
When do you want to retire?
What’s your margin of safety?
Important Investment Insights
Don’t compare yourself to others – focus on your own goals
Market volatility impacts larger portfolios differently
Recent generous markets shouldn’t be assumed to continue
Short-term considerations can derail long-term plans
Dupree Financial Group’s Approach
Focus on dividend income portfolios
Balance between growth and income
Aim to reduce volatility while maintaining a steady income
Fiduciary responsibility to clients
Research driven by client needs
For more information or to schedule an appointment, call Dupree Financial Group at 859-233-0400 or visit dupreefinancial.com
The post Do You Have a Portfolio or a Plan? HOUR2. 12-07-24 appeared first on Dupree Financial.
Financial Hour with Tom Dupree and Mike Johnson
Episode Highlights
Understanding Portfolios vs. Plans
A portfolio is simply a collection of investments (stocks, mutual funds, ETFs, bonds)
Having a portfolio doesn’t necessarily mean you have a financial plan
A single product (like an annuity or mutual fund) is not a portfolio
The Evolution of Retirement Planning
Modern retirement accounts (401ks, 403bs) have changed how people interact with investments
Many investors today are less hands-on compared to previous decades
Automatic deductions have made portfolio-building more passive
Key Components of Portfolio Construction
Each holding should serve a specific purpose
Portfolio construction is like a recipe – individual ingredients work together
Time itself shapes portfolios through market performance
Fund managers often handle construction for mutual funds and ETFs
Creating Your Financial Plan
Consider these key questions:
When will you need to spend the money?
What are your current spending habits?
What’s your savings rate?
When do you want to retire?
What’s your margin of safety?
Important Investment Insights
Don’t compare yourself to others – focus on your own goals
Market volatility impacts larger portfolios differently
Recent generous markets shouldn’t be assumed to continue
Short-term considerations can derail long-term plans
Dupree Financial Group’s Approach
Focus on dividend income portfolios
Balance between growth and income
Aim to reduce volatility while maintaining a steady income
Fiduciary responsibility to clients
Research driven by client needs
For more information or to schedule an appointment, call Dupree Financial Group at 859-233-0400 or visit dupreefinancial.com
The post Do You Have a Portfolio or a Plan? HOUR2. 12-07-24 appeared first on Dupree Financial.
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