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•26 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 for th...
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 something ...
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
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 , Linke...
Sep 11, 2021•8 min
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 South African economy? What type of person is best suited to become a financial planner? Got a question ...
Sep 04, 2021•11 min
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 for? What are some of the most common reasons for loss of income based on statistics? Would I be protect...
Aug 28, 2021•19 min
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 differenc...
Aug 21, 2021•12 min
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 build...
Aug 14, 2021•20 min
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 fee...
Aug 12, 2021•28 min
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...
Aug 07, 2021•17 min
When Tshepiso decided to quit his corporate job, he focused on getting his side hustle up and running by getting different revenue streams going. From selling hot water bottles during the Winter months and umbrellas during the Summer months, he managed to gain enough finances to focus on his software business, Axcelerate , which streamlines businesses through the implementation of Enterprise Resource Planning (ERP), Advisory, Bookkeeping, Payroll, Tax, Accounting and Financial Management. Get ti...
Jul 31, 2021•26 min
Need some sound advice on where to start a business or how to find out more? Vuyo and Warren give you advice on the following: What does M.E.A.L stand for The importance of planning and budgeting Advice on service, partnerships and networking Where to find useful business resources Why joining a community will benefit you and How the #SageForSmallBiz can help you 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 b...
Jul 26, 2021•19 min
“Abit of small change saving becomes big change later”- Warren Ingram On today's episode, we invite Grant Locke , head of OUTVest , to discuss why looking at fee structures is important before deciding to invest with certain institutes. Warren and Grant discuss everything from index-tracking, how fund managers work and the differences between EFTs and Unit Trust fee structures. Questions/ Topics: Why are fees important? What are the effects on short-term and long-term investments? What would red...
Jul 22, 2021•20 min
Andile and his business partner wanted to help their community gain access to affordable healthy food and saw an opportunity to start a business from a backyard in Soweto. From 1000 seedlings to 40,000 seedlings distributed weekly, Evergrow now supplies to farmers around Johannesburg, Pretoria, Eastern Cape, and North West. Feeling inspired, motivated and in awe at the sheer tenacity that comes from making a dream a reality, Andile shares his story on how he went from seed to start-up! Got your ...
Jul 19, 2021•28 min
Our next #SageForSmallBiz speaker is entrepreneur and influencer OP speaking about his personal story around how he started his business, how he helps others source investment opportunities for their business and explains frontier markets in Africa. Warren Ingram and OP also speak about busting myths around starting a business in South Africa, where to start and things to consider when trying to reach your goals. Got your own business or looking at starting one? Sign-up for Sage’s 30-day free tr...
Jul 12, 2021•23 min
To kick off our #SageForSmallBiz campaign, we have the inspiring Brian Malatji sharing his story on how he went from having R200 in his account to running a successful business that is worth R2.2 million. “I was involved in an accident a few months after leaving my job. I had to use the pay-out to repair my car, which was only six months old. I was left with R200 and I started to panic. I had a poor credit history and no capital. I tried to find another job, with no luck.” Refusing to give up, B...
Jul 05, 2021•22 min
Today’s podcast welcomes Branden Dale speaking with Warren Ingram on how he started with his passion project in finance, how he overcame debt and gives wholesome advice on paying your debt off, saving and the importance of financial transparency with your partner. Questions/ Topics : How did you overcome your debt and what actions did you take to help pay it off? What are some smart ways to help pay off debt and save? How to use group mentality to make your savings journey fun Understanding mone...
Jun 24, 2021•21 min
Everyone knows him as “The Tax Guru," in tis episode André Bothma joins Warren Ingram in discussing all things Tax from top mistakes to understanding structures, investment options and understanding how donations tax works. Questions/ Topics: What are some of the biggest tax mistakes? Understanding Tax structures and the implications involved Things you should know about Tax What would happen if we didn’t have Tax? How to save money within the Tax laws Investment options that assist with Tax red...
Jun 17, 2021•24 min
Warren Ingram answers your questions in the hopes that it gets you one step closer to achieving your financial goals so keep those questions coming. On today’s episode, Warren speaks about Section 12J investments and assisting a 17 year-old listener on how to make extra income for his investments. Questions/ Topics: What are the advantages of a 6-12 month Section 12J Investment? What can a young person do to generate extra money to put towards their investment portfolio? Don’t forget to send que...
Jun 14, 2021•8 min
Did you know 8/10 of the participants that have signed up for an investment account with OUTVest has achieved 90% or more of their end financial goal? You’ve heard us rant and rave about the OUTVest Super Saver Competition but you haven't heard the reasons as to WHY we’re doing it. Join Warren Ingram and head of OUTVest, Grant Locke, speak about the sole purpose of this campaign and how it aligns with Honest Money. Questions/ Topics: Why are we doing the Super Saver Competition? What OUTVest inv...
Jun 07, 2021•10 min
We want to help you gain financial freedom so keep sending your questions through to our WhatsApp because ultimately your goal is ours. In today's episode, Warren Ingram answers your questions around how to ensure you don’t dip into your savings and what company information and trends you should look at when buying shares. Topics/ Questions: I try to invest my money but I end up falling short every month, how can I overcome this problem? I'm looking at investing in single shares, what are the ke...
May 31, 2021•14 min
“You don’t need to be great to start, but you have to start to be great”. In this episode, Warren Ingram speaks to Thando from Small Steps To Freedom on her journey, how she started her career in finance and tips on how to invest with smaller amounts of money. Topics/ Questions: What would be the starting amount to kick off your investments into the stock market? What investment platforms are there? Investing in livestock Stock market and cryptocurrency investment advice Thando’s journey with mo...
May 24, 2021•20 min
Keeping Honest Money honest with your Q&As. In this week's episode Warren Ingram answers your questions around endowments, expense ratios and when your fees should be deducted. Topics/ Questions: Investing in endowments: what you need to know, the benefits and things to look out for. How do expense ratios work in different funds and when should your fees be deducted? Got a question after listening to this episode? Don’t forget to send us your Voice Note questions on WhatsApp to (+27) 72 934 ...
May 17, 2021•9 min
One of our most asked questions is how to settle debt and get closer to financial freedom. Warren Ingram speaks to Charles Hsuan on how he went from over 170k in debt to debt-free and shares his methods used, how he stayed motivated and how his mindset has changed since. Topics/ Questions: How did you get into debt? What was your driving factor to pay off your debt? How has being in debt and now debt-free impacted the way you run your business? How did those around you support you in paying your...
May 10, 2021•21 min
On today’s Honest Money podcast, Warren Ingram answers your questions around Tax-Free Savings Accounts, from best practices, finding the right institute and whether or not an RA is still necessary. Questions/ Topics: As a young professional that’s starting their saving journey, should I have more than 1 tax free savings account? I am also a contractor and don’t have a retirement plan with my company, am I limited to an RA or will a tax free savings account suffice? I'm starting my investment jou...
May 03, 2021•11 min
Warren Ingram answers your questions around feeder funds, leveraging off the exchange rate and factors around property investment. Questions/ topics: Investing your money in feeder funds: Rands vs Dollars and would you benefit from the exchange rate? Where should I invest my money currently? Is property investment still a good option? Don’t forget to send us your Voice Note questions on WhatsApp to (+27) 72 934 4218 and you could be featured in an upcoming episode with Warren. Follow us on Twitt...
Apr 26, 2021•10 min
Warren Ingram and George Robertson, Director of Galileo Advisory Services and Galileo Wills, educates us on Trusts and answers the following important questions: What is a Trust and why do they exist? How do I establish a Trust? How do I invest money into a living Trust and what are the tax implications? What do I need to consider when putting assets into a Trust? Why should I put assets into a Trust? Is there a financial benchmark that I should reach before building a Trust? What are the costs ...
Apr 19, 2021•16 min
Warren Ingram and Grant Locke share some exciting news on an upcoming competition with OUTvest . We want to help you build towards your financial goals by making it fun, the more you save towards your goal, the higher your chance is to WIN the grand prize of R10 000 deposited into your OUTvest Investment account. You can also stand the chance of winning R1000 monthly and a signed copy of Warren Ingrams book. No investment is too small… So what are you waiting for? Sign up today: https://bit.ly/3...
Apr 12, 2021•12 min
Warren Ingram answers your questions around investments during the market crash due to COVID and investing your money locally vs offshore if you are emigrating. Questions/topics: During March 2020 the stock markets dropped, does this affect my long term investments if I missed out on the opportunity during this time? I will be emigrating in the next few months. I have capital under my portfolio and don’t know whether I should take my money offshore or invest locally? Send us your Voice Note ques...
Apr 05, 2021•10 min
