Honest Money

In today’s podcast, Warren Ingram was invited to do a Q&A with the UCT investment society and give tips on how to begin their journey to financial freedom. In this Q&A episode, Warren speaks to steps on achieving financial freedom, how to decide which shares are right for you, property investments, TFSA’s, ETFs, and more.  

Questions/ Topics: 

1. What is financial freedom? 
2. Step 1: What does being debt-free mean? 
3. Step 2: Setting up an emergency fund 
4. Step 3: Building up your investment assets 
5. Shares & how to make the right decision 
6. Cash as an investment: Inflation vs interest
7. Property as an investment 
8. More on Tax-Free Savings Accounts 
9. Bad debt vs “good” debt 
10. What percentage should you save of your salary to achieve financial freedom
11. How to structure your investment portfolio & asset allocation
12. Bonds vs Investments: Which one is better? 
13. Beating the market: What does this mean and how can i do this?
14. What’s Warren’s preferred ETF
15. More on the S&P 500
16. Are there any investment books and podcasts you can recommend? 
17. Can I still invest with a small amount of money?
18. What is a feeder fund and how does it work?

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

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 today’s episode, Warren Ingram invites Odwa Sihlobo, Co-Head of Multi-Asset at Prescient Investment Management, to discuss inflation. How does it work, how will it affect you personally, and how can you beat inflation using various investment opportunities. 

Questions/ Topics: 

1. What is inflation? 
2. How is inflation calculated? 
3. What is the impact of inflation? 
4. How budgeting can help you track inflation? 
5. How can we mitigate inflation over the next few years? 
6. What is a notice deposit, and how can it help? 
7. What is a fixed deposit account? 
8. Risk conservative investment options 
9. Multi-asset & equities funds and time horizons
10. Tax on your investments in terms of interest
11. Investing in shares and balanced funds
12. The marriage of risk and growth 
13. Bond investments 

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

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 week's episode, Warren Ingram answers your questions about ETFs that pay out dividends vs ETFs that reinvest, what are the pros and cons of each? Warren also talks about tax payouts on your RA when emigrating, and what the end savings vs fees would be.

Questions/ Topics: 

1. What are the pros and cons of ETFs that pay out dividends versus ETFs that reinvest the dividends? Should the decision of the two be based on the investment, your age or your financial status? 
2. My question is about tax fees on your RA or pension fund when emigrating versus the tax savings you get from SARS for contributing to your RA. Is it fair to say the tax you pay on your RA when emigrating is the equivalent to the tax savings benefits from SARS, or is the tax on emigrating greater than what you would save over the years? How does this work?

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

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

Today Warren Ingram invites Ray Mhere back on the show to discuss the importance of fees in investing. What is the average range an investment manager should charge, hidden fees, performance-based fees, and the difference between international vs local fees? 

Questions/ Topics: 

1. Understanding how fees work and impact your investment over time 
2. The importance of calculating fees in monetary value 
3. What is a fair fee and what should I know about upfront fees? 
4. Hidden fees and what to look out for
5. What is an administration platform and how does this impact your fees
6. The average investment management fees 
7. Calculating what your interest should be to cover inflation and fees
8. Performance-based fees 
9. International fees vs local fees 

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

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

Today Warren Ingram answers your questions about pension funds and what the best way forward is for a Living Annuity vs a Guaranteed Annuity. Warren also touches on investing, is it better than a savings account in terms of fixed interest or should you be watching your investments and withdrawing your money as soon as it’s on the increase? 

Questions/ Topics: 

1. Advice for pensioners, I would like to know how much i should allocate towards equities, would 100 minus your age be a good equity allocation and the rest in bond? Also, what percentage of equity allocation should be in foreign currency assuming a large portion of bonds is local? Furthermore, the current volatile markets highlight the need to not have all my income in a living annuity, but invest in a guaranteed annuity, given the current high CPI would it be best to wait for markets to improve and hopefully the CPI decreases? 
2. I’ve recently opened up an Easy Equities account and I've seen my investments increase here and there. How does this work versus a savings account as we get a fixed investment on a normal savings account? Should I be watching my investments and taking my money out when it’s on an increase? 

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

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

Today Warren Ingram invites ​​Rupert Hare, Co-Head of Multi-Asset at Prescient, to discuss the benefits of investing offshore, portfolio diversification, timing, currency, and interest rates. 

Questions/ Topics: 

1. If I'm sitting in South Africa, why would I want to send money offshore? 
2. Do I get to invest in international companies like Microsoft? 
3. What does "yielding" currency mean? 
4. International interest rates vs South African interest rates
5. What are some of the reasons why you would want to go offshore? 
6. Is there an ideal percentage I should be putting into my offshore investments? 
7. Timing and currency: What is a rule of thumb for this? 
8. What does "average in" mean? 
9. Final advice around offshore investments
10. What would you teach yourself if you were to meet the younger you? 

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

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 today’s episode, Warren Ingram answers your questions about investing abroad. What is the recommended lump sum to put into global investments and how to get your money abroad and safely invested until you’re ready to relocate? 

1. Currently I'm invested in a feeder fund in my Easy Equities ZAR account, with the volatility of the USD, Euro, and GBP, do you have a recommendation of what lump sum I should put in each account, or do you recommend I keep it in my ZAR investment? 
2. How can I safely move my money overseas? I want to move to Europe in the next 5 years, I would like to move my money over in the meantime. I'm concerned the longer my money stays here, the more the Rand depreciates. I would love some advice on low-risk ways of getting my money overseas until I get there. 

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

Please note: Our WhatsApp number has changed to (+27)79 807 8162

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

We invite Ray Mhere from Prescient back on the show to discuss the ins and outs of investment management. In this action-packed podcast, Warren Ingram and Ray Mhere speak about market timing, behaviour gaps, the 5 investment strategy studies, and emotional decision-making. 

Questions/ Topics: 

1. What is “Market Timing” & is it an investment strategy we can implement on a reliable basis? 
2. Who is Brinson, Hood, and Beebower & what did they discover?
3. What is the “Behaviour Gap”? 
4. The 5 investment strategies and what they found 
5. Market return and the best days in stock market history 
6. Emotional decision-making in volatile markets 

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

Please note: Our WhatsApp number has changed to (+27)79 807 8162

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

1. The psychology around money
2. “Black Tax” & how to manage family expectations
3. 7 habits that make you broke 
4. If you could give your younger self advice, what would it be? 

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

Today Warren Ingram invites Ray Mhere, Retail Business Head for Prescient to discuss the importance of asset allocation. Warren and Ray touch on goals, time horizons, risk tolerance, global investments, and more advice on how to reach financial freedom. 

Questions/ Topics: 

1. Why is asset allocation important
2. How goals and time horizon affect your returns 
3. What is risk tolerance and can you handle the emotional rollercoaster 
4. How does asset allocation help with risk tolerance? 
5. Why you should combine cash and share investments in your portfolio
6. Unit trusts and balance funds 
7. Asset allocations outsourced locally, global and offshore 
8. Building up a global portfolio using a fund manager/ investor 
9. Tips on investing in shares 

Have a question for Warren? Don’t forget to voice note your questions through our WhatsApp chat at (+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

Please note: Our WhatsApp number has changed to (+27)79 807 8162

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