Honest Money

Today Warren Ingram speaks to Director & Financial Advisor, Yolande Botha on how to stay invested in your financial investment journey. Warren and Yolande touch on when to change your investments, decisions on market timing, why asset mix is important, and why having a balanced mandate works. 

Questions/ Topics: 

1. What is your experience in dealing with investors in these recent volatile markets due to COVID and recent recessions? 
2. Should you withdraw investments when markets are down? 
3. What are the 3 decisions to make when speaking about market timing? 
4. What to do when your investments are declining? 
5. What were the top and worst days in the market? 
6. What is asset mix and what should investors focus on and ignore? 
7. Are short-term or long-term investments better for optimum growth? 
8. Why a balanced mandate is important 
9. Pension funds: The asset mix growth allocation 

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

In today’s episode, Warren Ingram invites well-known financial guru, Maya Fisher-French to discuss interest rate basics. Warren and Maya speak about how interest rates work, repo rates, prime interest, fixed vs Flexi interest rates, and more on how the banks incorporate interest rates in your loans, credit cards, and other debts. 

Questions/ Topics: 

1. When we talk about interest rates, what does this mean? 
2. When inflation goes up, what does this mean? 
3. What is a Repo-Rate? 
4. What does Prime Interest Rate mean? 
5. How do repo rates and interest rates link? 
6. Are there caps on the rate a bank can charge you on personal loans/ credit cards etc? 
7. What does an “informal market” mean? 
8. How does an increase in interest rates through the banks work? 
9. Do I keep my interest rates flexible or should I keep it fixed? 

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

Today Warren Ingram speaks to Rory Brachner, owner and founder of DoshGuide. Warren and Rory speak about how DoshGuide is changing the financial advisory space through a flat fee app allowing users to explore various financial advisory portfolios that link with their needs.

Questions/ Topics: 

1. What is Dosh Guide? 
2. How does financial planning work in terms of fees? 
3. Upfront commission advisors vs flat fee advisory services 
4. How do subscription models work? 
5. How does Dosh Guide work with having various financial planners on the platform?
6. Taking action on implementation of the financial plan put in place for users

Have a question for Warren? Don’t forget to voice note your questions through our WhatsApp chat on (+27) 72 934 4218 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

Warren Ingram answers your questions, in today’s episode he touches on preservation funds when getting a payout and choosing between an RA or a TSFA to invest in. 

Questions/ Topics:

1. I'm about to receive a divorce payout, I'm planning on moving it to a preservation fund and draw out one bulk amount. I have a child that needs education and I need to buy a small car. What would you suggest in terms of preservation funds, is there one you can recommend or is there another solution? 
2. I only have a limited budget, between an RA and TFSA, which one should I prioritize my investments in? Which one gives a better tax benefit in the long run? 

Have a question for Warren? Don’t forget to voice note your questions through our WhatsApp chat on (+27) 72 934 4218 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 how to choose the right ETF for you, how they work, and how are they calculated, is it based on a percentage mass formula or mathematical models? Listen for more. 

Questions/ Topics:

1. How would I find research & resources on companies I want to invest in? Secondly, could you please give us more information on how ETFs work, is it limited to a list of companies we need to invest in and use % mass formulas, or are there different mathematical models to work out the performance of these ETFs? Do you have any advice on how to choose?

Have a question for Warren? Don’t forget to voice note your questions through our WhatsApp chat on (+27) 72 934 4218 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 in gold, and what the difference is between gold ETFs, shares, and physical gold bars.

Questions/ Topics:

1. I want to understand more about gold. Physical gold, gold shares, and gold ETFs, which one is best to buy, and what is the difference between them?

Have a question for Warren? Don’t forget to voice note your questions through our WhatsApp chat on (+27) 72 934 4218 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

Buying a property is a big investment and something that requires a lot of research. In today’s episode, Warren Ingram speaks to guest speaker, Molatelo, on tips for first-time homeowners. They cover topics around being a homeowner, the things to look out for, the importance of maintenance, property inspectors, and more. 

Questions/ Topics: 

1. What do you need to consider before buying a property? 
2. The concept of due diligence 
3. Do you need an emergency fund for your house? 
4. The importance of knowing the history of your property in terms of structural and cosmetic additions 
5. What does HOA mean? 
6. Importance of maintenance plans within a sectional title
7. Who pays for a property inspector and what do they do? 
8. If you had advice for your younger self, what would it be? 

Have a question for Warren? Don’t forget to voice note your questions through our WhatsApp chat on (+27) 72 934 4218 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 meets with Higgo van Biljon from FinMeUp to discuss how financial literacy is fundamental to everyone's financial growth. Warren and Higgo also speak about how FinMeUp can help the community and how Honest Money will be getting involved. 

Topics/ Questions: 

1. What is FinMeUp? 
2. When you say “curated content”, what does this mean and how do you know it’s a trusted source? 
3. What does a “mentor” mean on your app? 
4. How does Honest Money fit with this app?
5. What are some of the features that gained traction within the community through this app? 
6. The importance of financial literacy 

Have a question for Warren? Don’t forget to voice note your questions through our WhatsApp chat on (+27) 72 934 4218 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, we welcome back one of our very first guests, The Finance Ghost. Warren and The Finance Ghost speak about active, and passive investing and why it's good to dabble in both. They also touch base on single stock portfolio diversification, rebalancing,  the psychology behind risk trading and give great tips and insights on how to maximize on your returns. 

Questions/ Topics: 

1. What does active investing mean? 
2. What does passive investing/ index-tracking mean? 
3. Should you do one or the other, or both? 
4. Where should I need to open a brokerage account? 
5. If I want to start ETF investing, how would I go about it? 
6. What is broad market exposure? 
7. MSCI World Index vs All Country World Index
8. Single stock portfolios and rebalancing through portfolio managers
9. Best guidelines for individual share investing 
10. Rebalancing tips
11. Portfolio diversification
12. The psychology around risk trading 
13. Time horizons and buying in stock drop
14. The Finance Ghosts' final advice 

Have a question for Warren? Don’t forget to voice note your questions through our WhatsApp chat on (+27) 72 934 4218 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

On today’s episode, Warren Ingram speaks to Ess Mukumbo on how to save on your monthly costs, starting with a one-car household. Warren and Es discuss the pros and cons of owning one car per family and other top tips to make your Rand stretch further.

Questions/ Topics: 

1. Why Ess decided to have one car in her household
2. How does one car per household save costs?
3. What are the pros vs cons of having one car?
4. With petrol & food increases, what other means of household savings can you recommend?

Have a question for Warren? Don’t forget to voice note your questions through our WhatsApp chat on (+27) 72 934 4218 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