Honest Money

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

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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 podcast, Warren Ingram welcomes Tami Dal from the Honest Money content team to discuss tips for first time investing. Where to start, advice around Tax-Free Savings Account Investments vs ETFs, the ratio split between local vs international investments, what companies to invest in & more. 

Questions/ Topics: 

1. I've downloaded EasyEquities, what is the first investment I need to make? Shares vs bonds
2. How do I know when to cash out my investments? Is there a rule of thumb or something I need to watch to make sure I don’t lose on my investments 
3. World index vs Top 40 index investments and investment ratio between the two (50/50) 
4. How do I know which businesses to invest in? Should I stick to companies I know?
5. How much money should I start investing with? Do I gradually do it or should I invest the full amount of my expendable income? 
6. TFSA vs ETFs? How much should I invest in each, what should the ratio split be? 

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

A podcast all about leadership with successful businessmen, Rory Kirton and Warren Ingram. Some honest advice around staff motivation, leadership skills and upcoming opportunities in the African market. 

Questions/ Topics: 

1. How did you grow your business during the political upheaval and during the instability of the South African economy?  
2. Tips on how to motivate your staff after all the unrest that’s happened over the past 2 years 
3. How do you help and connect to a customer through a partnership 
4. How being vulnerable and open about your business operations and decisions with your staff helps with business success 
5. Opportunities for South African businesses within Africa

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

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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

In today’s episode, Warren Ingram does a Q&A around using overdrafts for investments and provides financial advice around purchasing a car that is best for your pocket. 

Questions/ Topics: 

• How can I use my overdraft to benefit me in terms of investing or getting financial gain?
•  What financial advice do you have around buying a car? 

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

We got a great question from a follower about becoming a financial planner and is there a need for financial planners in the South African economy. Listen to what Warren Ingram has to say in this interesting Q&A episode. 

Topics/ Questions: 

1. What are the pros and cons of becoming a financial planner? 
2. What is the current state of the industry and is there a need for financial planners in the South African economy? 
3. What type of person is best suited to become a financial planner? 

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

An interesting topic that is relevant to most South Africans, what is income protection and why would I need it? Warren Ingram and Elmarie Samuel, Senior Technical Marketing Specialist at FMI, speak about the ins and outs of income protection and answer questions around COVID related protection, the difference between lump-sum disability and more.  

Topics/ Questions: 

1. What is income protection for? 
2. What are some of the most common reasons for loss of income based on statistics?
3. Would I be protected with income insurance if I got COVID? 
4. What’s the difference between lump-sum disability protection and income protection? 
5. How do I make sure I am covered and will actually be paid out if needed? 
6. Do you get a pricing benefit from long-term vs short-term income protection? 
7. Does the waiting period clause have an impact on the monthly premium fees? 
8. Can an individual apply for income protection through FMI or do they need to go through an advisor? 

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

Today’s episode is beneficial to most listeners looking at transferring your retirement annuity from an insurance company to an index or unit trust provider. Warren Ingram also answers questions around bond refinancing, where to invest the financial difference and what to consider when doing it.

Questions/ Topics: 

• Should I move my retirement annuity over to an investment company and is it worth paying the fees/ tax involved?
• Understanding bond refinancing, where to invest the financial difference and what to consider when doing it 

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 podcast is filled with motivation, words of wisdom and the importance of building a community, not just a business. Mashudu Modau shares his views with Warren Ingram on how passion, loyalty and integrity are the foundations to building and supporting businesses. 

Questions and topics: 

1. What is a community for an entrepreneur? 

2. How is building a community good for brand loyalty? 

3. Advice from Warren on what he thinks sustained him throughout his entrepreneurial journey 

4. How is building a community linked to having integrity and being transparent? 

5. Mash shares the best advice you'll receive 

Got your own business or looking at starting one? Sign-up for Sage’s 30-day free trial and see how their software can help take your business further: https://bit.ly/3djWTiW

Send us your questions about small businesses and it could feature in our upcoming SME podcast on 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

We welcome back Grant Locke, head of OUTVest, to talk to Warren Ingram about the impact of financial planners in the investment industry, what studies show and the fairness of fee structures based on clients portfolios. 

Topics/ Questions: 

• Do financial planners add value to your portfolios? 
• What do Vanguard and Morningstar studies show on where financial planners add value? 
• About Vanguard and Morningstar 
• How are fees determined for financial advisor services? 
• Why do we have percentage-based fees? 
• What is a fair fee structure? 

Have you heard about the OUTVest competition where you can win R10 000 invested into your OUTVest investment account? Simply visit https://bit.ly/3wEMBlB for more information on how to enter and the great prizes up for grabs! 

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

Tlou Ledwaba (TJ) is the co-founder of Bright Path Business Consultants, an accounting practice that helps SMMEs grow into sustainable and profitable businesses. TJ was appointed as an Accounting Member of the Tax Court by the President and gives us advice on how small businesses can get funding. 

Topics/ Questions: 

• How did you get appointed as an  Accounting Manager of the tax court by the president? 
• How can businesses apply for funding assistance? 
• Before applying for funding, what do businesses need to know? 
• What institutes are most likely to help small businesses with funding? 
• What amounts are available for small business funding? 

Got your own business or looking at starting one? Sign-up for Sage’s 30-day free trial and see how their software can help take your business further: https://bit.ly/3djWTiW

Send us your questions about small businesses and it could feature in our upcoming SME podcast on 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