Honest Money

Honest Money episodes:

• 06.29.2024

  Volatility Explained: Understanding Investment Fluctuations

  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...

  
• 06.22.2024

  Streamlining Investments: The Power of LISPs and Smart Retirement Strategies

  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....

  
• 06.15.2024

  Smart Investments: Tax-Efficient Ways to Invest for Your Children

  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...

  
• 06.08.2024

  Balancing Investments: Unpacking the Benefits of TFSAs and RAs

  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...

  
• 06.01.2024

  The US Bond Market: Navigating Geopolitics, Fiscal Factors and Diversification

  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,...

  
• 05.25.2024

  Unlocking Financial Efficiency: Phasing In Investments and Using Access Bonds

  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...

  
• 05.18.2024

  Tax Smart: Rethinking Provident Fund Withdrawals

  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...

  
• 05.11.2024

  Election Promises vs. Retirement Realities: What to Know

  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...

  
• 05.04.2024

  Inside ETFs: Choosing Between Active and Passive

  Warren Ingram and Chris Rule dive into the world of exchange-traded funds (ETFs), exploring their transformation from simple index trackers to actively managed portfolios. They break down the benefits of using ETFs for diversified investing, discuss the differences between active...

  
• 04.27.2024

  Balancing Acts: Navigating Parenthood and Careers in Personal Finance

  In today's episode Warren Ingram and Ess Mukumbo discuss the challenges of balancing work and parenting. They emphasize the importance of planning, communication, having a support system in place and the guilt that parents often feel and the need to...

  
• 04.20.2024

  Investment Insights: The Role of Dividends in Authentic Profitability

  In this episode Warren Ingram explores the strategic advantages of dividend investing and its role in ensuring financial discipline within corporations. Warren speaks to contrast dividends with share buybacks, highlighting how dividends are tied to real cash flow and profits,...

  
• 04.13.2024

  Small Changes for Big Results: How to Improve Your Finances One Step at a Time

  Warren Ingram and Dr. Marc Rogatschnig delve into their newly launched book 'Small Changes for Big Results,' highlighting the impact of unconscious influences on financial decisions. They offer a behavior change framework, using case studies and tools to help readers...

  
• 04.06.2024

  Cashing In on Stability: A Deep Dive into Income Funds

  In this episode, Warren Ingram and Kelin Pottier, Solutions Strategist at 10X Investments,  discuss the different ways to store cash in unit trust funds. They explore the concept of income funds, which aim to deliver a high level of income...

  
• 03.30.2024

  The Art of Balanced Investment Portfolios for Your Success

  In today's episode, Warren Ingram delves into asset allocation, navigating the complexities of balancing stocks, bonds, cash, property, and shares to tailor your investment strategy. He'll guide you in aligning your portfolio with your financial goals and risk tolerance, emphasizing...

  
• 03.23.2024

  Unlocking the Future of Retirement: What to Know About South Africa's Retirement Landscape

  In today's episode Warren Ingram delves into the transformative landscape of retirement planning, focusing on the innovative two-pot system designed to harmonize our immediate financial needs with the necessity for future security. We'll debunk common myths and misconceptions that cloud...

  
• 03.16.2024

  Disentangling Investment Myths: A Guide to Prudent Investing Amid Market Hype

  In week's episode Warren Ingram, guides you with a comprehensive discussion on investment myths and the impact of FOMO in the South African market. Through research and observations, he provides guidance for investors, cautioning against chasing short-term highs and reacting...

  
• 03.09.2024

  The Hidden Dynamics of South Africa's Debt and Investment Challenges

  In this week's episode of the financial podcast, Warren Ingram discusses the complexities of the nation's fiscal situation with Chris Eddy, Head of Multi-Asset funds at 10x Investments. They analyze the implications of high debt levels and the use of...

  
• 03.02.2024

  Guiding Your Finances Through South Africa's Budgetary Reefs

  In this episode, Warren Ingram discusses the finance minister’s strategy of using the country’s emergency savings within the context of the Budget Speech. He evaluates the potential consequences of this decision and provides insights into navigating the complex financial landscape...

  
• 02.24.2024

  Maximizing Your Future: Smart Tax Strategies and Retirement Fund Planning in SA

  In this week’s episode, Warren Ingram delves into the complexities of optimizing retirement funds within the South African context. He offers strategies for individuals aiming to maximize their retirement savings and achieve financial security. We also highlight the importance of...

  
• 02.17.2024

  Navigating the Waves of Political Influence: Investment Strategies for Uncertain Times

  In this week episodes, Warren Ingram delves into the intricacies of political interplay and its impact on investment strategies in an era marked by national upheavals. The realm of investments, political landscapes often cast long shadows, influencing markets in unpredictable...

  
• 02.10.2024

  Building Economic Stability and Mental Clarity After COVID-19

  In this episode, Warren Ingram explores the critical link between mental health and financial stability post-pandemic with insights from Stian de Witt CFP from NMG Benefits. We discuss the importance of 'mental fitness' akin to an emergency fund, the financial...

  
• 02.03.2024

  Weighing Real Estate Risks: Insightful Strategies for Property Investment in South Africa

  Warren Ingram tackles the dilemma of investing in property versus paying off a mortgage in South Africa, highlighting hidden costs, tenant rights, and the importance of financial readiness. Questions/ Topics: "So my question is about property and buying property at...

  
• 01.27.2024

  Navigating the Surge of U.S. Stocks: Valuations, Market Outlook, and Investment Wisdom Unveiled

  Join Warren Ingram and financial expert Anton Eser, Chief Investment Officer at 10x Investments, as we dissect the U.S. stock market's ascent and the S&P; 500's significant gains since the late '80s. We'll explore the interplay of earnings growth, valuation...

  
• 01.20.2024

  Strategic Financial Foundations: Empowering the Next Generation and Mastering Offshore Investments (Q&A)

  In today's episode, Warren Ingram delves into the essentials of starting a financial journey for young family members, navigating through options like endowments, retirement annuities, and tax-free savings accounts. We explore the strategic timing and benefits of offshore investments, including...

  
• 01.13.2024

  Economic Twists and Turns: A 2023 Retrospective and 2024 Forecast

  Welcome to "Market Insights 2024," your essential guide to understanding the financial landscape. In this episode, Warren Ingram explores the economic upheavals of the past year and the potential of 2024. We'll dissect the impact of tech giants, known as...

  
• 12.09.2023

  Securing a Golden Retirement: Practical Steps, Early Retirement, and Financial Planning Insights

  Join Warren Ingram as he covers the three fundamental steps to achieving a financially free retirement by: being debt-free, having an emergency fund, and generating sufficient investment income. We'll also demystify the choices between living and life annuities, explore the...

  
• 12.02.2023

  From Dow Jones to JSE Top 40: A Deep Dive into the World of Index Investing

  Join Warren Ingram and Romelon Chetty, a quantitative analyst at Prescient, as we explore the world of index investing, from the Dow Jones to the JSE Top 40. We'll delve into how these indices shape market performance and fund management,...

  
• 11.25.2023

  Demystifying Administration Fees in Unit Trusts: A Practical Approach

  In this episode of Honest Money, Warren Ingram delves into the often-confusing world of Unit Trust Fees and Administration Costs. Warren clarifies the differences between Total Investment Charge (TIC) and Administration Fees, and their impact on your investments, the merits...

  
• 11.18.2023

  Decoding the Debt Market: Understanding Fixed Interest Investments and Their Role in Diversification

  Tune in as Warren Ingram,  Sajjaad Ahmed and Conway Williams from Prescient Investment Management, reveal the intricacies of debt markets and the pivotal role of analysts. Discover the synergy between fixed interest investments and equities, strategies for portfolio diversification, and...

  
• 11.11.2023

  The South African Bond Market: Fiscal Challenges, Economic Growth, and Future Implications

  In today's episode Warren Ingram and Reza Ismail, Head of Bonds at Prescient , unravel the complexities of global bond markets and South Africa's fiscal landscape. We'll dissect the country's debt handling post-budget, the challenges facing its bond market, and...

  
• 11.04.2023

  Mastering Your Finances: Strategies, Solutions, and Safety Nets Q&A

  In today's Q&A; session, Warren Ingram tackles the pressing issue of debt management,  the importance of an emergency fund, the benefits and limitations of money market and 32-day notice accounts, and how a blended approach to saving can offer both...

  
• 10.28.2023

  The Future of Interest Rates: Predictions and Implications

  Dive into the world of high inflation and interest rates with Warren Ingram and Bastian Teichgreeber, Chief Investment Officer at Pressient Investment Management.  Gain insights on potential positive developments in interest rates, the South African economy, and the cruciality of...

  
• 10.21.2023

  Financially Savvy: Understanding Unit Trusts and Affordable Stockbrokers Q&A

  In today's episode Warren Ingram offers a deeper understanding of unit trusts, emphasizing their safety, transparency, and the rights of unit holders. We also journey through the South African stockbroker landscape, providing key insights to ensure a confident and informed...

  
• 10.14.2023

  ESG in Focus: The Shift Towards a Stakeholder Approach

  Join Warren Ingram as he deep dives into the transformative world of ESG with Michelle Green, Credit Analyst and ESG Committee Chairman at Prescient Investment Management. Today we unpack the significance of environmental, social, and governance factors in reshaping investment...

  
• 10.07.2023

  Money & Emotions: The Tug of War Within

  In this episode, Warren Ingram explores the intricate relationship between our emotions and money. From the highs and lows of retail therapy to the adrenaline rush of investing, we uncover the psychological underpinnings that can either propel us forward or...

  
• 09.30.2023

  The Geopolitical Shift: Unraveling the Potential of BRICS Currency

  Today Warren Ingram invites Rupert Hare, Head of Multi-Asset at Prescient,  to delve into the debated concept of a BRICS currency,  geopolitical significance and challenges to G7 dominance, especially with India and China's rising influence.  Discover the potential impacts such...

  
• 09.23.2023

  Navigating Economic Trends: Harnessing Interest Rates for Investment Success

  In today's episode we dive deep into the dance between economic trends and investments. Warren Ingram helps us understand the impact of rising interest rates, move beyond sensational headlines, and navigate the volatile investment landscape with wisdom.  Questions/ Topics:Unmasking the dance...

  
• 09.16.2023

  Investing in the Rand: An Insight into the Strengths & Struggles

  Have you ever stopped to consider the power of the South African rand in shaping your financial future? Today Warren Ingram invites Rupert Hare, Head of Multi-Asset at Prescient, to tackle the often unpredictable nature of the rand, exploring how...

  
• 09.09.2023

  Drafting a Will in SA: Tips & Traps

  In this episode, Warren Ingram and Terence Tobin dive deep into the world of wills in South Africa, demystifying the process and importance for both young and old. From legalities to protecting your inheritance, we cover it all, ensuring you're...

  
• 09.02.2023

  Mastering Your Debt: The What, Why, and How

  In this enlightening episode, Warren Ingram delves deep into the world of debt, breaking down its various forms, the costs associated with it, and the importance of understanding inflation and interest rates. We also touch on the crucial role of...

  
• 08.26.2023

  Ethical Wealth: Aligning Investments with Values

  Join Warren Ingram in his podcast as he explores ethical investing's alignment with personal values. He exposes the drawbacks of ESG-focused hype by investment firms seeking media attention, advocating for a philosophical stance over fleeting trends & more. Questions/ Topics:...

  
• 08.19.2023

  Golden Dividends: Growing your Post-Retirement Portfolio

  Discover the path to a secure retirement in this episode! Warren Ingram explores smart investment strategies for your golden years, including generating income from your savings. Delve into the choice between living and compulsory annuities, gain insights into effective portfolio...

  
• 08.12.2023

  South African Equities Transformed: The Systematic Investing Revolution

  On today's episode Warren Ingram invites Seeiso Matlanyane, Head of Equities and Ashleigh Allan,  Equity dealer at Prescient Investment Management at Prescient. In this information-packed episode we touch on shares, equity risk, how passive and active investing is the bridge...

  
• 08.05.2023

  Your Money, Your Journey: Embracing Individuality in Financial Growth

  In today’s podcast Warren Ingram invites Steve Van Rooyen, Founder of Digi Dorx & Honest Money partner, to discuss the traps of comparing your financial success to those around you. Warren and Steve also touch on gratification methods, aligning your...

  
• 07.29.2023

  From Instincts to Algorithms: Systematic Investing Evolution

  Join Warren Ingram and Bastian Teichgreeber, Chief Investment Officer at Prescient, as they explore the history of investing from the 30s to the 90s, the 'Sharp Ratio,' modern portfolio theory, behavioral biases', AI and so much more. Questions/ Topics: Why is...

  
• 07.22.2023

  Global or Local: The Investment Dilemma for Wealth Creation

  Today Warren Ingram & Yolande Botha, Head of Wealth Management at Galileo Capital, speak about investing globally, the considerations to keep in mind if you're wanting to emigrate, how to build 3rd generational wealth locally and globally as well as...

  
• 07.15.2023

  Roadworthy Rides: Essential Advice for Buying Used Cars

  Today we invite André Bothma to speak about a tweet that went viral. Warren Ingram and André share advice on tips when buying a secondhand car, things to consider and the financial considerations and tips on making sure you get...

  
• 07.08.2023

  South African Interest Rates: Current Landscape and Future Expectations

  In today's episode, Warren Ingram hosts Henk Kotze, Head of Cash & Income at Prescient, as they delve into the global impact of inflation and interest rate hikes. They discuss the significance of the American Federal Services, explore how global...

  
• 07.01.2023

  The Wealthy Investor's Playbook: The Most Common Tricks and Traps

  In this podcast, Warren Ingram & Yolande Botha, Head of Wealth Management at Galileo Capital, delve into the world of investing and uncover the top tips and common pitfalls that wealthy individuals encounter. Explore how emotional reactions can impact your...

  
• 06.24.2023

  Navigating the World of Financial Planners: How to Find a Tech-Savvy Partner

  Today Warren Ingram invites repeat guest, Rory Brachner, Founder & MD at DoshGuide speak about the world of financial planning through technology. Learn how DoshGuide can help you reach financial freedom through planning a framework, understanding your goals and being transparent-...