Honest Money

In this episode, Warren Ingram and Ray Mhere, CEO of Curate Investments, discuss how parents can fund children’s education without sacrificing their own financial security. They cover choosing schooling within your means, starting and automating investments early, involving children in money decisions, and prioritizing high-interest debt and retirement savings.

Chapters

• 00:00 The challenge of balancing children’s needs and parents’ futures
• 01:56 Why education spending should fit the family’s means
• 05:32 Expensive schooling is not the same as better schooling
• 08:31 Start early: using time and tax-free savings for education
• 09:51 Turning birthdays into an investment opportunity
• 14:50 Tax-free savings first, then consider a unit trust
• 16:24 Preparing children to manage investments at 18
• 21:47 Pay off costly debt before saving for education
• 23:28 Retirement security is not selfish
• 26:12 Make money conversations part of financial education
• 27:05 Automate contributions and review goals over time

Learn more about how Curate Investments can help you here.

Send us Fan Mail

Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

In this episode, Warren Ingram and Pieter de Villiers respond to a recently retired listener with about R11.6 million in retirement savings, a R500,000 cash buffer, and a plan to draw R35,000 a month. They explain why inflation, concentrated Nasdaq exposure, AI-generated guidance, and advice from friends all deserve scrutiny when building a retirement strategy that may need to last 30 years or more.

Chapters

• 00:00 Listener asks for feedback on retirement portfolio
• 02:20 Retirement savings, monthly spending, and the missing portfolio
• 03:41 Why cash and bonds may fall behind inflation
• 05:32 Long horizons and the case for meaningful share exposure
• 06:17 Why a friend’s advice is not enough for a 30-year plan
• 07:06 Nasdaq concentration versus broad diversification
• 09:30 Peter on learning, AI, and financial opinions
• 11:18 Inflation, equities, and choosing a balanced fund
• 13:08 When to seek professional financial advice
• 14:40 Retirement resources and next steps for the listener

Learn more about how Curate Investments can help you here.

Send us Fan Mail

Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

In this episode, Warren Ingram and Pieter de Villiers explore how to choose the right investment funds for your retirement, focusing on asset allocation, fees, and performance. We also discuss upcoming innovations like live Q&A sessions to better serve our community.

Chapters

• 00:00 Introduction and episode overview
• 02:06 Understanding asset allocation and risk
• 04:44 Regulation 28 and fund mandates
• 07:13 Fund categories and their objectives
• 09:27 Performance, fees, and past results
• 11:22 Focus on growth and psychological tolerance
• 12:39 Fund size, costs, and performance
• 13:23 Stick to your strategy and avoid short-term trading
• 14:43 Increasing contributions and long-term wealth building
• 15:16 Upcoming live Q&A sessions and community engagement

Learn more about Prescient Investment Management here.

Send us Fan Mail

Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

In this episode, Warren Ingram and Pieter de Villiers explore a comprehensive approach to personal finance, focusing on property investment, debt management, and tax-efficient strategies, with insights from a seasoned financial advisor.

Chapters

• 00:00 Introduction to the episode and guest
• 01:57 Assessing property value and yield
• 04:06 The role of debt and tax deductions in property investment
• 06:12 Diversification and risk management in property portfolios
• 07:52 Long-term strategies for building property wealth
• 10:09 Psychological aspects of debt and investment choices
• 12:06 Summary and final thoughts

Learn more about how Curate Investments can help you here.

Send us Fan Mail

Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

In this episode, Warren Ingram and Pieter de Villiers explore the nuances of investment timing, the psychological factors influencing investment decisions, and practical strategies for phased investing, featuring insights from a seasoned financial advisor.

Chapters

• 00:00 Introduction and episode overview
• 02:21 When to consider lump sum investing during market downturns
• 06:02 Long-term market trends and statistical insights
• 07:20 Psychological considerations in investment decisions
• 08:43 The importance of self-awareness and risk tolerance
• 10:05 The role of patience and market timing
• 11:16 The value of understanding personal biases and emotional responses
• 12:37 The human element in investing and emotional resilience
• 13:26 Practical advice for phased investing and self-knowledge
• 14:16 Closing remarks and encouragement for listeners

Learn more about Prescient Investment Management here.

Send us Fan Mail

Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

In this episode, Warren Ingram and Pieter de Villiers explore investment strategies for medium-term goals like funding a child's education, discussing risk management, expected returns, and suitable investment vehicles.

Chapters

• 00:00 Introduction to investment planning for education
• 02:05 Difference between information and advice in investments
• 04:12 Understanding fixed-interest bonds and their returns
• 06:44 Balanced funds and asset allocation for medium-term goals
• 09:14 Tax considerations for different investment types
• 11:10 Market fluctuations and managing expectations
• 12:07 Long-term vs short-term investment strategies
• 13:00 Avoiding over-engineering investment decisions
• 13:52 Gradual reduction of risk as goal approaches
• 14:30 Closing remarks and listener engagement

Learn more about how Curate Investments can help you here.

Send us Fan Mail

Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

In this episode, Warren Ingram and Pieter de Villiers explore how young professionals can navigate saving and investing with limited income, emphasizing the importance of understanding your 'why', building an emergency fund, and the fundamentals of smart investing.

Chapters

• 00:00 Introduction and episode overview
• 00:02 The importance of knowing your 'why' in financial planning
• 00:14 Steps to build an emergency fund and manage debt
• 00:41 Balancing saving and investing at a low income
• 01:06 The significance of risk cover and income protection
• 01:31 The habit of saving 50% and its long-term benefits
• 01:59 Basic principles of investing: growth, tax efficiency, cost
• 02:02 Filtering information and avoiding noise in investing
• 02:27 The value of financial literacy and self-education
• 02:52 Encouragement and ongoing journey of financial growth

Learn more about Prescient Investment Management here.

Send us Fan Mail

Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

In this episode, Warren Ingram and Pieter de Villiers discuss how to evaluate investment platforms, the importance of transparency in fees, and strategies for managing insurance and benefits when changing jobs or employers.

Chapters

00:00 Introduction to the episode and main topics
02:22 The role of aggregation in reducing fees
05:15 The longevity and reliability of investment platforms
08:07 Risks of reward programs and long-term commitments
10:26 Managing insurance when changing jobs
11:02 The benefits of group insurance schemes
12:17 Portability of insurance policies and continuation options
14:26 Avoiding overinsurance and unnecessary premiums
15:22 Reviewing insurance policies regularly
16:24 Final thoughts and questions from listeners

Learn more about how Curate Investments can help you here.

Send us Fan Mail

Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

In this episode, Warren Ingram and Pieter de Villiers discuss the strategic use of trusts for estate planning, tax efficiency, and asset protection, clarifying common misconceptions and practical considerations.

Chapters

00:00 Introduction to Trusts and Their Purpose
00:49 Why Trusts Are Not Primarily Tax-Saving Vehicles
02:06 When to Use a Trust for Asset Transfer
03:39 Practical Aspects of Transferring Assets into Trusts
05:34 Tax Implications of Trusts and Distributions
07:21 Avoiding High Tax Rates and Estate Duty
08:37 Tax-Effective Investment Vehicles for Trusts
10:36 Layering Trusts with Companies for Property Portfolios
12:36 Final Advice and When Trusts Make Sense

Learn more about Prescient Investment Management here.

Send us Fan Mail

Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

In this episode, Warren Ingram and Pieter de Villiers explore how individuals approaching retirement can strategically de-risk their portfolios, balancing growth and safety. Our experts discuss asset allocation, risk management, and practical steps for a smooth transition into retirement.

Chapters

• 00:00 Introduction to Retirement Portfolio Strategies
• 01:58 Common Mistakes in Retirement Planning
• 04:04 The Importance of Asset Diversification
• 05:48 Rules of Thumb for Asset Allocation
• 08:08 Understanding Sequence of Return Risk
• 09:59 Mitigating Risks with Emergency Funds
• 12:07 The Changing Landscape of Retirement Funds
• 12:58 Final Tips for a Smooth Transition into Retirement

Learn more about how Curate Investments can help you here.

Send us Fan Mail

Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod