Honest Money

We’ve put together a 2022 Investing Game Plan to help you achieve your financial goals this year. Warren Ingram reviews his 2021 gameplan, provides 2021 reviews on JSE vs World Market investments, why 75% of your portfolio should be Global, and more on 2022 investment decisions.  Topics/ Questions:  Debt Emergency Funds  Financial Freedom Savings vs Disposable Savings  Tax-Free Savings Accounts Di...

We love the diverse questions we get from our listeners, today we learn about Scalp Trading & Tax-Free Savings Account Transfers. What is Scalp Trading, is it best for short or long-term profits, and is it worth investing in? Warren Ingram also advises on transferring your Tax-Free Savings Account (TFSA) funds from a cash account to an ETF platform, transfers vs redemptions on your TFSA &...

Tax season is coming to a close at the end of Feb!  In today’s episode, Warren Ingram speaks to tax guru, André Bothma , on Tax-Free Savings Accounts, tax tips on your RA, side hustle provisional tax, the best time for bonus payouts, how tax works with portfolio diversification, and more about  André’s journey on becoming the Tax Maverick. Topics/ Questions:  TFSA Limits: How does SARS know I’ve i...

We kick off this 2022 with top tips from Warren Ingram on how to succeed in your financial goals this year. Wholesome advice on understanding your money, budgeting pillars, debt plans, tax season contributions, relooking at your investment plans, and the benefits of finding a finance buddy.  Topics/ Questions:  Understanding your money: expenses vs investment allocations Budgeting Pillars: wasted...

Today we celebrate our 100th podcast with an episode on all the golden nuggets we received during 2021 from Warren Ingram and our guest speakers. Save this episode for quick advice on starting your investing journey, tips on global investing, more on crypto, Warren’s personal global investment portfolio, how to get the best return on your investments, investing in the domicile & more.  Topics/...

Welcome back to a new year filled with sound advice on how to reach financial freedom with Warren Ingram on the Honest Money show.  We kick off the year with advice received from our guest speakers during 2021 answering Warren Ingram's favourite question,  “If You Could Give Your Younger Self Advice, What Would It Be?”.  Have a question for Warren? Don’t forget to voice note your questions th...

Today we have our last podcast and Q&A for 2021! Find out what Warren Ingram says around where best your money would be when receiving a large lump sum, paying off your bond, your car, in your TFSA account or investments? We also find out more about when leaving a job, what is the best route to take when getting your RA paid out, is a Preservation Fund the way to go and what considerations sho...

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.  T...

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:  Is a retirement annuity the way to go?  Should I leave my money in a RA or move it to a new provider?  Where sho...

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 spend...

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: What do you need to become a CFP?  What do you need to take into consideration when needing to...

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:  I’ve decided to take my money out of the country, what is step 1?  My money is now...

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:  Trading behaviour: Then vs now  What is your desired investment strategy when it comes to...

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 o...

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 currenc...

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:  What is a financial planner?  What attributes do you need to have to b...

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:   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?   My in...

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:  I've downloaded EasyEquities, what is the first investment I need to...

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:  How did you grow your business during the political upheaval and during the instability of the South African economy?   Tips on how to motivate your staff after all the unrest...

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 forge...

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:  What are the pros and cons of becoming a financial planner?  What is the current state of the industry and is there a need for financial planners in the S...

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:  What is income protection f...

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 p...

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. A...

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...