Honest Money

Today we invite the wonderful Nozi Van Heerden to speak more on Investing Strategies for Millennials. Warren Ingram & Nozi Van Heerden speak about the emotional commitment to investing and saving, finding a finance buddy and other tips on how to reach your financial goals.  Questions/ Topics:   What are some common investing mistakes that millennials should avoid, and how can they mitigate tho...

In today's episode, Warren Ingram invites Gabriel Botha , Business Development Manager at Prescient , to discuss the complex details of Tax-Free Savings Accounts and how they can benefit you from tax rebates, dividends, the limitations, and how TFSA & pension fund withdrawals work.  Questions/ Topics:  Tax-Free Savings Accounts (TFSAs) & what they offer  TFSA withdrawals TFSA contribu...

In this episode, Warren Ingram delves into the topic of portfolio diversification and how it can help you achieve financial stability and growth through a Q&A on based on EU Investing. Warren explains the importance of balancing local and overseas investments to take advantage of diverse market trends, tax implications, Will considerations, and the role of SICAV implementations in portfolio di...

In today's episode Warren Ingram and Conway Williams , Head Of Credit at Prescient , speak about the social and environmental impact of investing. Find out how your investments can impact the economy, encourage sustainability, create jobs, and help small businesses in the market.  Questions/ Topics:  How investment managers and fund managers can impact the world  Trends investors may not alwa...

In today's podcast, Warren Ingram will be discussing his outlook and giving advice on a 2023 financial forecast including interest rates, inflation rates, and the connection between them. We will also be discussing the things that can and cannot be controlled in your 2023 finances, as well as top tips on debt repayments, investment choices, and how to look at your budgeting. Send us Fan Mail...

Welcome to the 2022 Financial Review podcast, where we take a look back at the past year and explore the major disruptions that have impacted our financial landscape. From political unrest to the ongoing COVID-19 pandemic, we'll examine how these events have affected the stock markets, repo rates, and fuel prices. We'll also discuss the implications for the upcoming year and provide tips...

Today is our last episode of 2022 and it's all about interest rates. Today Warren Ingram invites Investment Specialist, Natalie Anderson CFA , from Prescient to discuss the pros and cons of inflation and rising interest rates in South Africa. Topics/ Questions: Looking at inflation globally & locally. Why does it increase and what are the contributing factors?  Inflation vs purchasing pow...

Today Warren Ingram answers your questions on the S&P500 vs MSCI World Index ETFs and whether selling property, investing the money, and renting until your goal amount is achieved is the best way to reach financial freedom.  Topics/ Questions:  My question is about whether it's best to invest in an ETF like the S&P500 or the MSCI World. I’ve heard some people say the S&P500 is a g...

Today we welcome Michelle Green , Credit Analyst at Prescient and ESG Committee Chair Member to discuss conscious investing. Warren Ingram and Michelle discuss more on ESG investing,  what does it mean, what is capital gain like, and why the rate of change is important.  Questions/ Topics:  What is ESG?   Knowing more about the ethics behind investing in ESG markets Does ESG come at the cost of ca...

Today we speak about property! Warren Ingram and Frugal Local , a regular show guest, discuss buying property as an investment, what are the considerations to keep in mind, and tips on how to budget and lower your fees.  Topics/ Questions:  What is your insights on owning property as an investment?  What’s the right way to go about buying a property?  Tips and lessons learned before buying propert...

It’s that time of year, saving is on all of our minds! Warren Ingram answers your questions about long-term and short-term investments as well as working out your saving percentage pre/post tax. Topics/ Questions:  My mom inherited some money but she doesn’t need to use it at the moment, she wants to invest or save it but she doesn’t want to take on too much risk. What investment should she invest...

Today Warren Ingram invites the wonderful Gugulethu Mfuphi to discuss her experience in media, financial lessons learned and how educating yourself can impact your future during unpredictable times.  Topics/ Questions:  What is a conversation strategist?  You’ve had so much exposure in the media, what have you observed about people that are financially successful?  Creating wealth: what does it ta...

Today we invite Ray Mhere from Prescient back on the show to discuss and answer your questions.  Warren Ingram and Ray speak about the difference between ETFs and Shares, which one is best to invest in, and how to accurately read return charts on your favorite investment apps.  I have a question about ETFs and shares, what is the difference and how do they work? How do I read the stock graphs, the...

Today we invite Ray Mhere from Prescient back on the show to discuss and answer your questions. In this action-packed podcast, Warren Ingram and Ray Mhere speak about investing in holding companies vs investing in individual companies. How is this setup, and which one is the best to invest in?  Questions/ Topics:  My question is about investing in a holding company vs investing in an individual co...

Today we have an exciting episode and something that sparks Warren Ingram’s passion- traveling! We invite Patrick, known as Travel Bug Bitten , to speak more about travel-friendly budget tips and the best places to go within Africa!  Questions/ Topics:  Travel Tips: How to travel for less?  Accommodation budgeting tips  Using loyalty programs to help save you money  Understanding your must have’s ...

On today’s episode, Warren Ingram invites The Finance Ghost back on the show to discuss vehicle financing in terms of balloon payments and how you can own great cars, cheaply! Warren and The Finance Ghost give tips on buying cars and touch base on local vs international investments. Questions/ Topics: What are balloon payments & how does it work?  How to bring your monthly payments down on veh...

Today we welcome back ​​Rupert Hare , Co-Head of Multi-Asset at Prescient , to discuss the different kinds of investments available. Warren Ingram & Rupert speak about traditional investing methods, blending shares, questions to ask yourself before investing, multi-asset investments, and more. Questions/ Topics:  Traditional investing vs equities vs multi-asset investments: what is this and ho...

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:  What is financial freedom?  Step 1: What does...

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:  What is inflation?  How is inflation calculated?  What is the impact of inflation?  How budgeting can help you track i...

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:  What are the pros and cons of ETFs that pay out dividends versus ETFs that reinvest the dividends? Should the deci...

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:  Understanding how fees work and impact your investment over time  The importance of calculating fees in monetary value ...

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:  Advice for pensioners, I would like t...

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:  If I'm sitting in South Africa, why would I want to send money offshore?  Do I get to invest in international companies like Microsoft?  What does "yielding" currency mea...

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?  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 su...

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:  What is “Market Timing” & is it an investment strategy we can implement on a reliable basis?  Who is...