Honest Money

By Warren IngramBusiness Investing Management

Favorites
23
Followers
Typical duration
24 min
per episode

Based on Podcast App listening data

Honest Money episodes

October 17The Truth About Lump Sum vs Monthly Investing
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.

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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
16 min
October 10How To Invest R 200 000 For A 5 Year Goal
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
17 min
October 03How To Start Investing On A Small Salary
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
12 min
September 26 Are You Paying For Insurance You Don't Need?
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
19 min
September 19 The Trust Myth That Costs Families Millions
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
15 min
September 12Retiring Soon With Too Much In Shares? Watch This
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
16 min
September 09Riding Out the Storm: Markets, Emotions, and Discipline
In this episode, Warren Ingram and Ryan Murphy, Global Head of Behavioral Insights at Morningstar, discuss the importance of behavioral insights in investing, how to manage anxiety and uncertainty, and the role of financial advisors in guiding long-term investment success.

Chapters
00:00 Introduction to Behavioral Insights in Investing
02:09 The Irrational Crowd and Market Behavior
03:53 Managing Anxiety and Uncertainty in Markets
05:55 Long-Term Investing and Market Cycles
08:05 The Role of Financial Advisors in Emotional Support
09:55 Planning for Market Volatility and Recessions
12:07 Building Resilience Through Proper Planning
13:55 Understanding Market History and Long-Term Trends
16:04 Questions to Ask Your Financial Advisor
18:01 The True Value of Behavioral Coaching

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
25 min
September 05 34 With No Retirement Savings? You're Not Behind
In this episode, Warren Ingram and Pieter de Villiers discuss balancing emergency savings and retirement investing after life setbacks, emphasizing the importance of a strong financial foundation and peace of mind.

Chapters

00:00 Introduction to the episode and guest
00:02 The importance of emergency funds and peace of mind
00:19 Balancing emergency savings with retirement contributions
00:46 The emotional and psychological aspects of financial planning
01:14 The impact of life setbacks and rebuilding wealth
01:42 The compounding effect of consistent investing over time
01:51 The analogy of emergency funds as safety features in a car
02:09 Encouragement to focus on what can be controlled
02:38 Patience and persistence in wealth accumulation
02:59 Final advice 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
16 min
August 29 Can Moving Mom's Money Into An RA Avoid Tax?
In this episode, Warren Ingram and Pieter de Villiers discuss the complexities of estate planning, retirement annuities, and tax strategies, addressing common misconceptions and practical considerations for managing assets and minimizing taxes.

Chapters
00:00 Introduction to estate planning and common questions
02:08 Why transferring assets to an RA at an old age can be problematic
03:07 Tax implications of estate duty and retirement fund withdrawals
04:29 Risks of over-contributing to an RA and estate implications
06:20 How retirement fund payouts are regulated and their impact on estate
07:18 The role of trustees and nomination in retirement fund payouts
08:39 Alternative strategies to mitigate estate duty and fees
09:25 Balancing estate planning with quality of life for the elderly
11:22 When and why to consider an RA after retirement
12:53 Additional considerations: estate duty abatement and inheritance planning

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
16 min
August 26Why Most People Don't Have Wills and Why They Should
In this final FISA episode, Warren Ingram speaks to Chris Murphy, Director of Legacy Fiduciary Services and chairperson of FISA, about estate planning. They discuss common myths, the importance of having a will, and practical tips for protecting your family and assets.

Chapters
00:00 Introduction to Estate Planning
01:08 Busting Myths About Estate Planning
04:21 The Importance of Having a Will
04:52 Consequences of Dying Intestate
07:24 Guardianship and Minor Children
10:47 Financial Considerations in Estate Planning
13:26 Choosing the Right Executor
18:21 Finding Professional Help for Estate Planning

Learn more about how FISA 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
24 min