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PODCAST

Honest Money

Your personal guide to financial freedom, hosted by the bestselling author and award-winning financial planner, Warren Ingram.

business investing

All Episodes

25:42

Rational Wealth: Managing Fear for Smarter Financial...

Honest Money ·

2024/12/07

In today's episode Warren Ingram and Dr. Marc Rogatschnig explore the profound impact of fear on financial decision-making. They discuss how fear and anxiety can lead to irrational choices, particularly in the context of investments and money management. The discussion delves into the evolutionary roots of fear, the concept of hypervigilance, and practical strategies for managing fear to make more rational financial decisions. Don't forget to grab a copy of Warren's new book, Small Changes fo...

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7:50

Growing Futures: Unlocking Tax-Free Savings for Your...

Honest Money ·

2024/11/30

In this weeks episode, Warren Ingram discusses the significance of tax-free savings accounts for children, emphasizing the long-term benefits of early contributions. He explains the mechanics of these accounts, including contribution limits and the importance of not withdrawing funds prematurely, and highlights the power of compounding growth with the potential for substantial wealth accumulation by the time the child reaches adulthood.TakeawaysIt's a no brainer for parents to fund a tax-free...

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25:53

Imposter Syndrome and Your Wallet: Breaking the Cycle...

Honest Money ·

2024/11/23

In this episode, Warren Ingram and Dr. Marc Rogatschnig delve into the complexities of imposter syndrome and its impact on financial behaviors. They explore how emotional spending can stem from low self-esteem and the need for external validation. The conversation emphasizes the importance of understanding the underlying motivations behind spending habits and offers strategies for overcoming these challenges through empathy and self-reflection.Get your copy now: https://bit.ly/4fPGmB4Takeaway...

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22:27

Balanced Funds Unpacked: Diversifying for Long-Term...

Honest Money ·

2024/11/16

In this episode, Warren Ingram and Rupert Hare, Head of Multi-Asset at Prescient, discuss the significance of balanced funds in investment portfolios, particularly for retirement planning. They explore the structure of balanced funds, emphasizing their role in providing diversification across various asset classes. The discussion also covers the importance of understanding market volatility, the long-term focus required for successful investing, and the tax implications associated with balanc...

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15:27

Future-Proofing Finances: From Bonds to Global...

Honest Money ·

2024/11/09

In this episode Warren Ingram answers your questions around investing, the importance of financial milestones, the strategic use of tax-free savings accounts and the significance of planning for children's education. Warren also delves into investment strategies, including risk tolerance, asset allocation, the advantages of global diversification and highlights the balance between index investing and active management.TakeawaysPaying off your bond is a significant milestone.Keeping your bond ...

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15:51

Balancing Local & Global: A Guide to Diversified...

Honest Money ·

2024/11/02

In today's podcast, Warren Ingram answers your questions around importance of diversification in investing, particularly for young investors looking to build a global portfolio. Warren outlines strategies for offshore investment, including the use of feeder funds and the implications of currency exchange and capital gains tax. Warren also emphasizes the need for a balanced approach to investing, combining different vehicles such as unit trusts and exchange-traded funds, while also considering...

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18:34

Simplify and Save: Lowering Fees Through Investment...

Honest Money ·

2024/10/26

In todays episode Warren Ingram discusses the complexities of investment fees, the importance of selecting the right funds, and how to evaluate the value of financial advisors. He emphasizes the need for transparency in fees, the significance of diversification, and the role of good advisors in making informed investment decisions. TakeawaysHigh investment product fees can be considered immoral.Consolidating investments can lead to lower fees and simpler management.Diversification in a small ...

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10:59

Earning Dollars & Investing Smart: All Country World...

Honest Money ·

2024/10/19

In today's episode Warren Ingram answers your questions about the principle of earning dollars and where to invest the money. Warren speaks to keeping investments in the currency in which they were earned to avoid conversion costs, the importance of diversification and the All Country World Index versus the MSCI World Index.TakeawaysKeep investments in the currency in which they were earned to avoid conversion costs.Diversify investments and avoid solely focusing on the American market.Consid...

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28:12

Wholesale vs. Retail: Navigating Car Pricing Like a Pro

Honest Money ·

2024/10/12

In today's episode, Warren Ingram and Colin Morgan, Co-founder at getWorth, discuss the financial implications of buying cars, focusing on the benefits of purchasing used cars over new ones. They explore the concept of car depreciation, the ideal age for buying a vehicle, and the importance of understanding the wholesale and retail pricing dynamics in the car market. TakeawaysCars are a passion for many, but financial sense is crucial.Used cars generally offer better value than new cars.Depre...

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24:00

Beyond the Stock Exchange: Exploring Private Debt...

Honest Money ·

2024/10/05

In today's episode, Warren Ingram and Conway Williams, Head Of Credit at Prescient, discuss the often-overlooked realms of private debt, particularly in the South African context. They explore the definitions, differences, and investment strategies associated with these asset classes, emphasizing the importance of understanding liquidity, risk, and diversification. The discussion also highlights the potential for impact investing through private debt, showcasing how investments can contribute...

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9:05

Understanding Preference Shares: Are They Still Worth...

Honest Money ·

2024/09/28

In today's episode, Warren Ingram answers your questions about preference shares, explaining how they work and why their popularity has waned among private investors. He discusses their volatility due to interest rate fluctuations and suggests RSA retail bonds as a more stable alternative. Warren also touches on stock exchange platforms like Altex, which has faced challenges, and A2X, which is geared more toward institutional investors.TakeawaysPreference shares are a form of investment where...

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6:40

Investing in Precious Metals: Is Silver the Right...

Honest Money ·

2024/09/21

Today Warren Ingram speaks about investing in silver, the risks involved, holding gold or silver for long periods of time and other investment opportunities, like the exchange-traded funds (ETFs) that track the value of gold or silver. TakeawaysInvesting in silver is similar to investing in gold, as both are commodities that don't generate any income.People buy precious metals like gold and silver when they're worried about the future or inflation.Holding gold or silver for long periods of ti...

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12:37

Decoding Fund Manager Fees: How to Maximize Your...

Honest Money ·

2024/09/14

In this episode, Warren Ingram answers your questions about fund manager fees and the impact on investor profits. Warren speaks to investing in retirement annuities provided by unit trust companies, admin and platform fees, as well as the importance of understanding investment costs to ensure you're not overpaying.TakeawaysWhen investing in retirement annuities, it's important to consider admin fees or platform fees charged by unit trust companies.Consolidating investments on one platform can...

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20:06

Emerging Markets & Global ETFs: Capitalizing on...

Honest Money ·

2024/09/07

In today's episode Warren Ingram invites Henk Kotze, Head of Cash & Income at Prescient to discuss global inflation, interest rates, and their impact on investors. Warren & Henk speak to the fact that inflation is decreasing, and interest rates are expected to follow, with the US economy still growing at a slower pace, with no immediate risk of recession. Warren and Henk also touch on opportunities in emerging markets and global income assets, the expansion of global ETFs in South Afr...

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16:45

Navigating Retirement: Managing Expenses, Taxes, and...

Honest Money ·

2024/08/31

In this episode, Warren Ingram answers your questions about retirement expenses and taxes, as well as the financial consequences of immigrating and investing in foreign stock markets. He also highlights the importance of budgeting for increasing medical aid costs in retirement & gives advice around financial immigration and tax implications.TakeawaysRetirement expenses don't change significantly from the last years of work to the first years of retirement, except for the cessation of savi...

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20:36

South Africa's Hidden Gems: Unveiling Investment...

Honest Money ·

2024/08/24

In todays episode, Warren Ingram and Rupert Hare, Head of Multi-Asset at Prescient, discuss the investment opportunities in South Africa and around the world. They highlight the potential for good returns in South African asset classes, such as equities and fixed income instruments, due to attractive valuations and high yields. They also discuss the importance of diversification and the potential for growth in emerging markets like Japan. TakeawaysSouth African asset classes, such as eq...

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12:49

Debt Management vs. Retirement Savings: Making Smart...

Honest Money ·

2024/08/17

In this podcast, Warren Ingram answers questions about contributing to a retirement fund and withdrawing money from a retirement fund to pay off debts. He discusses the limitations on investing in international investments through living annuities and suggests being patient as the cap on offshore capacity may ease in the future. TakeawaysMaximize the tax break for retirement fund contributions by contributing up to the maximum allowed amount.Avoid over-contributing to retirement funds and con...

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17:27

Navigating Interest Rate Cuts: Strategies for Global...

Honest Money ·

2024/08/10

In today's episode, Warren Ingram and Rupert Hare, Head of Multi-Asset at Prescient, discuss the potential for interest rate cuts in the US and how it may impact asset allocation. They discuss the importance of diversification, preparing for different eventualities, the opportunities in global fixed income, and the potential for value in stock markets outside of the US.TakeawaysInterest rates are likely to come down in the US, and investors should prepare for different eventualities.Diversifi...

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8:27

Maximize Your Bonus: Tax Savings and Debt Repayment

Honest Money ·

2024/08/03

In today's episode, Warren Ingram explores the best ways to use a bonus, weighing the benefits of paying off car debt versus investing it. He discusses various options, including reducing taxes by contributing to a retirement account and the advantages of paying off high-interest debt. TakeawaysConsider the interest rate on car debt when deciding whether to pay it off or invest the money elsewhere.Putting a portion of a bonus into a retirement account can reduce taxes.Using the monthly ...

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10:40

Navigating Career Growth: Is an MBA Right for You?

Honest Money ·

2024/07/27

In today's episode Warren Ingram speaks to the importance of understanding why you'd like to consider advanced education and whether it will truly benefit one's career. Warren speaks to alternative options such as specialised short courses to gain new skills and knowledge. TakeawaysThe decision to pursue an advanced degree, such as an MBA, should be carefully considered and based on the specific goals and needs of your career.Comparing yourself to others and feeling a sense of FOMO can lead t...

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302 results

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