Today Warren Ingram answers your questions about life policies and the benefits in terms of monthly installments, interest rates, and whether it’s better to contribute to an RA instead. Warren also explains how compound interest works in investments like the Satrix Top 40. Questions/ Topics: My dad is 57yrs old and has a costly life insurance policy which he contributes to monthly (13% of his net income) with a monthly contribution increase of 12% p.a. The policy lumpsum payout only gains 3-4% i...
Apr 30, 2022•11 min
In today's episode, Warren Ingram answers your questions about local vs international feeder funds for beginners, the difference between individual shares vs index investing , and the growth rate. Questions/ Topics: I'm new to investing & looking to invest in ETFs but I've been advised to avoid feeder funds because they eat into your profits over time. However, after doing research I've learned that investing directly in the US denominated ETF is going to cost more as the...
Apr 23, 2022•10 min
On today's episode we speak to research scientist, Sarisha Perumal, who wants to learn more about ethical investing. Warren Ingram speaks about ESG within the investing sector, Index Providers that offer ESG investments, the effects of war on energy independence & climate change and how it will affect future investing opportunities. Questions/ Topics: I want to invest my money in company and organizations that don’t contribute to air pollution and climate change. What kinds of investmen...
Apr 16, 2022•39 min
Today Warren Ingram speaks to Craig Isaacson from unlimited solar to see how you can cut down your monthly electricity/ water costs using solar solutions. Warren and Craig also touch base on small changes you can make around the house to save money, what does Grid-Tied Solar Solutions mean, what the lifetime of solar setups is & more. Topics/ Questions: Is spending money on solar as a homeowner a good investment? Where would my money be best spent, on a solar geyser or solar panels? Tips on ...
Apr 09, 2022•23 min
Today Warren Ingram answers your questions on how to turn your inheritance into generational wealth using global ETFs, portfolio diversification in the domicile, and settling debt. Warren also touches on what compound interest is, fixed deposit interest, and what platform to use to get the best compound interest and shares. Topics/ Questions: How do I ensure my inheritance lasts me as well as creates generational wealth for my children? Where best can I earn compound interest? Have a question fo...
Apr 02, 2022•13 min
In today’s episode, Warren Ingram speaks to car guru and automotive journalist, Francisco Nwamba, on all things related to car purchasing. Warren and Francisco speak about new vs secondhand purchasing, motor plans, most stolen cars, car upkeep, and upcoming car brands to look out for. Topics/ Questions: Are there ways people can buy cars intelligently? Are there insider tips to buy a car responsibly? Do you need to buy a new car? How do we know what cars are in demand in the secondhand market? P...
Mar 26, 2022•19 min
Today is our last episode of the Beyond Bitcoin series, Warren Ingram speaks to authors Steven Boykey Sidley and Simon Dingle on their book, Beyond Bitcoin: Decentralised Finance and The End of Banks. In today’s episode we speak about the purpose of the book, loans in crypto, tax, money streaming and what the near future could look like. Questions/ Topics: What was the purpose of writing this book? Is the hype around Bitcoin warranted? What should a reader be doing after they’ve read your book? ...
Mar 19, 2022•21 min
In today’s (part 2 of 3) episode we speak to authors Steven Boykey Sidley and Simon Dingle on their new book, Beyond Bitcoin: Decentralised Finance and The End of Banks. In this episode Warren Ingram and our guest speakers cover the safety of crypto, transactions, how it’s valued, what is a Stable Coin and how does this affect Reserve Banks. Topics/ Questions: Crypto has been known for encouraging illegal payments/ activities, is this still true? Are Bitcoin transactions anonymous or are payment...
Mar 12, 2022•24 min
We have a special 3-part series talking with authors Steven Boykey Sidley and Simon Dingle on their book, Beyond Bitcoin: Decentralised Finance and The End of Banks. Warren Ingram speaks to Steven & Simon about the ins and outs of crypto, the blockchain system, what decentralisation is, how banking will be affected and more. Topics/ Questions: What is Bitcoin? Who started the idea of crypto/ digital money? Who developed the blockchain system? What does a smart contract mean? What is the bloc...
Mar 05, 2022•25 min
In today’s episode, Warren Ingram gives an overview of the 2022/23 budget speech, what to expect and what changes are coming up. Warren also touches on Regulation 28 in terms of retirement fund allocations, fuel & road levies, company tax rates, and more. Questions/ Topics: Regulation 28: Retirement Fund Allocations Fuel/ Road Levy and Increases Company Tax Rates Personal Tax Rates Overall Conclusion Have a question for Warren? Don’t forget to voice note your questions through our WhatsApp c...
Feb 26, 2022•7 min
Today Warren Ingram answers your questions around property investments, how to work out your investment vs costs on the property, and your profits when selling. Warren also advises on how to get a good credit rating, tips on using a credit card responsibly, and what to do if you’re in debt and need extra time. Topics/ Questions: Is it a good idea to invest in property? How do I build up a credit score after leaving school? Do you have practical tips on how to build a good credit score using a cr...
Feb 19, 2022•15 min
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 Diversification 2021 Game Plan vs 2022 Gameplan Review JSE Investments: 2021 Review World Markets: 2021 Re...
Feb 12, 2022•16 min
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 & more. Topics/ Questions: What is Scalp Trading? What’s the best platform to use and what is Warren’s...
Feb 05, 2022•11 min
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 invested the R36,000.00 limit or lifetime R500,000.00 in my tax free investment account? Investing in TF...
Jan 29, 2022•29 min
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 expenditure, lifestyle expenditure, debt & necessities budget Touching on various income revenues ...
Jan 22, 2022•16 min
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/ Questions: Tips on starting your investing journey Global Investing Advice More on cryptocurrency Wa...
Jan 15, 2022•27 min
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 through our WhatsApp chat on (+27) 72 934 4218 and you could be featured in one of our episodes. Follow u...
Jan 08, 2022•12 min
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 should be taken into account. Topics/ Questions: I have a lump sum of money, where best would it be, in...
Dec 11, 2021•10 min
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: As a new parent, how would you approach saving for your child's schooling from...
Dec 04, 2021•11 min
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 should I put a large lump sum of money, into my home loan, in investments or an RA? How does it work when y...
Nov 27, 2021•25 min
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: What are some of your top tips to help someone get a good cr...
Nov 20, 2021•27 min
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 do the board exams? Do you need working experience before you can complete the second board exam? Are ...
Nov 13, 2021•27 min
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 going overseas, where is it going to land? What should I do next? Do you have to open a bank account i...
Nov 06, 2021•22 min
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 global investing? What are investment trusts and why do you use them in your portfolios? Exploring Warre...
Oct 30, 2021•19 min
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: What are you trying to achieve...
Oct 23, 2021•17 min
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: Why ...
Oct 16, 2021•17 min
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 become a financial planner? What do I need to complete before becoming a financial planner? What are the...
Oct 09, 2021•25 min
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-laws have about 500k in their accounts and they want to invest it somewhere. What's the best place f...
Oct 02, 2021•13 min
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 make? Shares vs bonds How do I know when to cash out my investments? Is there a rule of thumb or somet...
Sep 25, 2021•22 min
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 that’s happened over the past 2 years How do you help and connect to a customer through a partnership H...
Sep 18, 2021•25 min
