Honest Money

In today's episode, Warren Ingram does a Q&A on how to save for your child's schooling career from preschool to university, looking at education policies, using a TFSA or opening an investment in your child’s name. Warren also answers Gwen’s question on transferring unit trusts to ETFs within your tax-free investments via the same organisation and the implications this would have. 

Topics/ Questions:

1. As a new parent, how would you approach saving for your child's schooling from preschool to university? 
2. How does the process work when wanting to move a Unit Trust Tax-Free Investment to an ETF Tax-Free Investment within the same organization? What are the implications and how would this display on my tax certificate? 

Have any questions? Don’t forget to send questions through to our WhatsApp on (+27) 72 934 4218. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

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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

On today’s episode, Warren Ingram does a Q&A with one of our followers, Chantelle, who is looking for financial advice for people in their 40s. Warren gives advice around saving towards a comfortable retirement through RAs, investments, access bonds & more. 

Questions/ Topics: 

1. Is a retirement annuity the way to go? 
2. Should I leave my money in a RA or move it to a new provider? 
3. Where should I put a large lump sum of money, into my home loan, in investments or an RA? 
4. How does it work when you get paid out from your RA?  Do you get 1/3 as a lump sum and then do you need to reinvest the rest?
5. Does it make sense for me to put my travel money into my access bond whilst I’m saving up for my next trip?

Have any questions? Don’t forget to send questions through to our WhatsApp on (+27) 72 934 4218. 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

Did you know that 3/10 people can’t pay off their debt 6 months after purchase?   Black Friday and Cyber Monday are around the corner which means plenty of temptation for spending money you may not have. In this episode Warren Ingram speaks to CEO of TransUnion Africa, Lee Naik, on how to get a good credit rating, debt statistics around promo season, avoiding online fraud and tips for smart spending this Black Friday. 

Questions/ Topics: 

1. What are some of your top tips to help someone get a good credit rating? 
2. How do I access my credit report and how will it help me? 
3. From Nov 2020, what were the credit payments like 6 months after purchase? 
4. What are the current statistics of online fraud? 
5. Tips for avoiding digital fraud this Black Friday
6. Tips for smart spending this Black Friday/ Cyber Monday

Have any questions? Don’t forget to send questions through to our WhatsApp on (+27) 72 934 4218. 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’s Q&A is guest speaker Rochelle who is a Chartered Accountant and wants to work towards becoming a qualified Certified Financial Planner. Warren Ingram and Rochelle speak about post-graduate degrees, board exams, internships, what the struggles are in the industry and more. 

Questions/ Topics:

1. What do you need to become a CFP? 
2. What do you need to take into consideration when needing to do the board exams? 
3. Do you need working experience before you can complete the second board exam? 
4. Are there any companies or organizations that would be willing to give interns experience? 
5. What are the current struggles in the industry? 
6. Am I crazy for wanting to study this at the age of 42? 

Have any questions? Don’t forget to send questions through to our WhatsApp on (+27) 72 934 4218. 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

Head of OUTVest, Grant Locke interviews Warren Ingram in this 4-part series on his new book, Global Investing Made Easy. Our last episode for the series talks about the steps to global investing, do you need a global bank account, investing offshore with bitcoin, investing approaches and more. 

Topics/ Questions: 

1. I’ve decided to take my money out of the country, what is step 1? 
2. My money is now going overseas, where is it going to land? What should I do next? 
3. Do you have to open a bank account in the domicile you want to invest in or how do you go about this? 
4. In your personal capacity, would you send money via bitcoin and use it as your store value to exchange and buy other assets? 
5. When you’re investing in offshore markets, do you phase it in over time or invest a large lump sum? 
6. How can average be exceptional in the world of investing? 
7. What are one or two lessons you’ve learnt from dealing with your clients? 

[Sponsored Content] Honest Money and OUTvest are giving away 25 signed copies of Warren Ingram’s latest book. To enter the lucky draw, simply sign up to the Honest Money weekly mailer, which gives you notifications on new podcast episodes, blogs and more.

On the topic of global investing, it couldn’t be easier than with OUTvest’s brand new Global Wealth Trader. With a few clicks, you can enjoy worldwide equity exposure to 49 developing and emerging markets and over 9 000 stocks – all in a single investment, priced in South African Rands and at a low, transparent fee. Your wealth deserves the world.

OUTVest is an authorised FSP. T&Cs apply.

Help us help you by sending your questions through to our WhatsApp on (+27) 72 934 4218. Don’t forget to 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

Head of OUTVest, Grant Locke interviews Warren Ingram in this 4-part series on his new book, Global Investing Made Easy.  Our third podcast touches on trading behaviour, what Warren’s desired investment strategy is, investment trusts and looking at Warren’s personal offshore portfolio. 

Topics/ Questions: 

1. Trading behaviour: Then vs now 
2. What is your desired investment strategy when it comes to global investing? 
3. What are investment trusts and why do you use them in your portfolios? 
4. Exploring Warren’s personal offshore portfolio: how you came up with this allocation and how it works for you? 

[Sponsored Content]  Honest Money and OUTvest are giving away 25 signed copies of Warren Ingram’s latest book. To enter the lucky draw, simply sign up to the Honest Money weekly mailer, which gives you notifications on new podcast episodes, blogs and more.

On the topic of global investing, it couldn’t be easier than with OUTvest’s brand new Global Wealth Trader. With a few clicks, you can enjoy worldwide equity exposure to 49 developing and emerging markets and over 9 000 stocks – all in a single investment, priced in South African Rands and at a low, transparent fee. Your wealth deserves the world.

OUTVest is an authorised FSP. T&Cs apply. 

Help us help you by sending your questions through to our WhatsApp on (+27) 72 934 4218. Don’t forget to 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

We have officially launched the Global Investing Made Easy podcast series sponsored by OUTVest, where Warren Ingram finds himself in the hot seat and answers the top questions on his new book, Global Investing Made Easy, with head of OUTVest, Grant Locke. Today’s episode is all about global investing goals, your investment ratios, currency selection, time horizon vs asset class and how to work out how much you need for a comfortable retirement. 

Topics/ Questions: 

1. What are you trying to achieve with global investing? 
2. What proportion of your money should you send offshore? 
3. What currency do I pick? 
4. How do you determine your time horizon and what type of asset class will come out of that and why? 
5.  Why is inflation such a risk? 
6. How do I work out how much money I need for my retirement? 

Honest Money and OUTvest are giving away 25 signed copies of Warren Ingram’s latest book. To enter the lucky draw, simply sign up to the Honest Money weekly mailer, which gives you notifications on new podcast episodes, blogs and more.

 [Sponsored content]  On the topic of global investing, it couldn’t be easier than with OUTvest’s brand new Global Wealth Trader. With a few clicks, you can enjoy worldwide equity exposure to 49 developing and emerging markets and over 9 000 stocks – all in a single investment, priced in South African Rands and at a low, transparent fee. Your wealth deserves the world.

Visit Honest Money Global Investing for more info. 

[Sponsored content]  OUTVest is an authorised FSP. T&Cs apply. 

Help us help you by sending your questions through to our WhatsApp on (+27) 72 934 4218. Don’t forget to 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

We have officially launched the Global Investing Made Easy podcast series sponsored by OUTVest, where Warren Ingram finds himself in the hot seat and answers the top questions on his new book, Global Investing Made Easy, with head of OUTVest, Grant Locke. In today's episode, we cover why you should invest globally, is your ROI better offshore than local, feeder funds vs trusts, what currency or domicile to look at, what legal entities you should invest in and more. 

Questions/ Topics: 

1. Why should I invest my money globally? 
2. Will I get a better rate of return if I invest my money offshore? 
3. Before I start investing globally, what are some of the things I should know about? 
4. Do I need to send my money overseas if I want global exposure? 
5. Feeder funds vs trusts when moving your money 
6. How do I structure my global investments? What currency do I get, where do I domicile it? 
7. What countries are the best to “house”  your money? 
8. What legal entities should you invest in? 

Honest Money and OUTvest are giving away 25 signed copies of Warren Ingram’s latest book. To enter the lucky draw, simply sign up to the Honest Money weekly mailer, which gives you notifications on new podcast episodes, blogs and more.

 [Sponsored content]  On the topic of global investing, it couldn’t be easier than with OUTvest’s brand new Global Wealth Trader. With a few clicks, you can enjoy worldwide equity exposure to 49 developing and emerging markets and over 9 000 stocks – all in a single investment, priced in South African Rands and at a low, transparent fee. Your wealth deserves the world.

[Sponsored content]  OUTVest is an authorised FSP. T&Cs apply. 

Help us help you by sending your questions through to our WhatsApp on (+27) 72 934 4218. Don’t forget to 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

Ever wanted to become a financial planner but not sure where to start? Listen to Warren Ingram and Lelane Bezuidenhout, Chief Executive of the Financial Planning Institute of Southern Africa, speak about what it entails to become a financial planner, what attributions and accreditations you need and more. 

Topics/ Questions: 

1. What is a financial planner? 
2. What attributes do you need to have to become a financial planner? 
3. What do I need to complete before becoming a financial planner? 
4. What are the ethical requirements that are taken into consideration for financial planners? 
5. Is there an option for someone that is financially constrained and can they still pursue a career in financial planning?
6. Advice on checking if someone has a CFP accreditation

Got a question after listening to this episode? Don’t forget to send us your Voice Note questions on WhatsApp to (+27) 72 934 4218 and 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 around calculating your returns with inflation in mind, where to invest a large lump sum of money short-term and where to save your money, in your emergency fund or your TFSA.  

Questions/ Topics: 

1.  How do you calculate your real return on investments when you look at a fact sheet of an ETF? Should you consider inflation and deduct it from your returns? 
2.  My in-laws have about 500k in their accounts and they want to invest it somewhere. What's the best place for them to invest this money? 
3.  Is it better for me to save more in my emergency fund or max out my Tax-Free Savings Account instead?

Got a question after listening to this episode? Don’t forget to send us your Voice Note questions on WhatsApp to (+27) 72 934 4218 and 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