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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

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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8:30

Endowments and Investments: Financial Planning for...

Honest Money ·

2024/07/20

In today's episode Warren Ingram gives advice to a listener on how to set aside money for a family member who will be in prison for five or six years. Warren discusses the challenges of saving and investing for adult family members and the potential tax implications, the level of control you want the person to have over the money and explores options such as setting up an investment or opening an endowment. TakeawaysWhen saving and investing for adult family members, consider the level of con...

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9:41

Smart Allocation: Risks and Rewards in Emerging...

Honest Money ·

2024/07/13

In this episode, Warren Ingram dive into the importance of including emerging markets in your investment portfolio alongside your local market investments. Warren explores how the All Country World Index offers exposure to both developed and emerging markets, providing a diversified approach to global investing and touches on more. TakeawaysInvestors should consider having an allocation to emerging markets in addition to their local market investments.The All Country World Index provides expo...

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8:17

Securing Your Family's Future: Prioritizing Financial...

Honest Money ·

2024/07/06

On this week's episode, Warren Ingram answers your questions around financial priorities for new parents. A new mom seeks advice on choosing between buying a retirement annuity (RA), life cover, or medical aid, tune in and learn about risk management protection, insurance and more. TakeawaysPrioritize risk management and protection before focusing on long-term savings.Get medical aid first to cover potential medical costs for yourself and your baby.Shop around and compare quotes from differen...

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28:16

Volatility Explained: Understanding Investment...

Honest Money ·

2024/06/29

In this episode, Warren Ingram and Chris Rule, Head of Products and Client Solutions at 10X, discuss the difference between volatility and risk in investing. They discuss that volatility, understanding the difference between permanent loss of capital and volatility, and how to manage and mitigate these risks through diversification and goal setting.TakeawaysVolatility is the measure of how much an investment goes up and down, while risk is the chance of not achieving your financial goal...

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11:56

Streamlining Investments: The Power of LISPs and...

Honest Money ·

2024/06/22

In this episode, Warren Ingram answers your questions around streamlining your investment strategy for maximum efficiency and growth. He reveals the secrets behind Linked Investment Service Providers (LISPs) and their role in portfolio management, highlighting their advantages for financial advisors. Warren also discusses why investment companies often outperform insurance companies in service and platform quality, and reviews specific LISPs. Key TakeawaysLISPs Explained: Ideal for financial ...

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9:03

Smart Investments: Tax-Efficient Ways to Invest for...

Honest Money ·

2024/06/15

In this episode, Warren Ingram explores the tax implications of investing money on behalf of a child. He explains why putting money in a child's name doesn't avoid taxes, as parents are taxed until the child turns 18, and discusses the tax consequences of donating money to children. Warren also highlights the benefits and cautions of tax-free savings accounts for children and suggests investing in endowments or unit trusts to benefit the child long-term. Tune in for insights on making smart f...

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12:12

Balancing Investments: Unpacking the Benefits of...

Honest Money ·

2024/06/08

In today's episode Warren Ingram answers your questions about retirement annuities (RA) or a tax-free savings accounts (TFSA). Warren discusses the benefits of a TFSA including tax-free growth, RA offers a tax deduction on contributions, how Regulation 28 governs the maximums in retirement funds, and that decisions should consider both time horizon and psychological tolerance for risk and offshore allocations.TakeawaysConsider both time horizon and psychological tolerance for risk when ...

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28:13

The US Bond Market: Navigating Geopolitics, Fiscal...

Honest Money ·

2024/06/01

In today's podcast Warren Ingram and Anton Eser, Chief Investment Officer at 10X Investments, delve into the US bond market, its significance, and the challenges it faces. They explore the relationship between the US bond market and global financial assets, as well as the impact of geopolitical and fiscal factors on the market. TakeawaysThe US bond market is a critical component of the global financial system, influencing various financial assets worldwide.Geopolitical and fiscal factor...

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9:12

Unlocking Financial Efficiency: Phasing In...

Honest Money ·

2024/05/25

On today's episode Warren Ingram teaches us how to strategically phase in your investments, minimize fees, and maximize interest earned. Warren also answers your questions on using an access bond as an emergency fund for guaranteed, tax-free returns at high interest rates. TakeawaysStrategically phasing in investments to avoid unnecessary feesManaging transaction costs effectivelyHow to maximize interest earned during the phase-in periodHow to minimize transfer fees (fixed and percentag...

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8:17

Tax Smart: Rethinking Provident Fund Withdrawals

Honest Money ·

2024/05/18

In this episode Warren Ingram delves into the retirement fund reform, which introduces a two-pot system to lower the tax burden when cashing in provident funds upon resignation. It segregates funds into a compulsory portion, locked until retirement, and a savings pot accessible during emergencies. While the reform doesn't alter the investment strategy, it modifies fund accessibility. TakeawaysThe retirement fund reform aims to address the issue of high taxes when cashing in a provident fund.T...

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8:35

Election Promises vs. Retirement Realities: What to Know

Honest Money ·

2024/05/11

In this episode, Warren Ingram explores the topic of prescribed assets and their potential effects on retirement funds. He delves into their historical context during the apartheid era and clarifies that the ANC's manifesto is distinct from official policy, recommending that investors hold off on modifying their retirement strategies until concrete government policies are announced.TakeawaysPrescribed assets refer to the concept of forcing retirement funds to invest in specific government bon...

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291 results

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