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 property The importance of having a “buying buddy” What are the fees & the process involved in buying a pro...
Nov 26, 2022•26 min
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 in that will offer her better returns than a savings account but is low risk? I’ve also been looking...
Nov 19, 2022•12 min
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 take? Unpredictable income: how does this impact entrepreneurs & people in the media space Asset catch...
Nov 12, 2022•25 min
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, there are usually 1-month, 3 months, 6 months, and 1-year return graphs. Which one should I be looking at...
Nov 05, 2022•19 min
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 company. What is the difference, how is this setup and which one should i invest in? Have a question for...
Oct 22, 2022•14 min
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 How to shop flights and transport Apps to use for language, maps and transport schedules Hidden gems in A...
Oct 18, 2022•19 min
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 vehicle finance What is second-gross and how do dealerships use this to their advantage? What is an acce...
Oct 15, 2022•31 min
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 how would it help me? Blending shares Questions to ask yourself before investing Wins as an individual ...
Oct 08, 2022•18 min
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 being debt-free mean? Step 2: Setting up an emergency fund Step 3: Building up your investment assets Sh...
Oct 01, 2022•36 min
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 inflation? How can we mitigate inflation over the next few years? What is a notice deposit, and how can it...
Sep 24, 2022•24 min
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 decision of the two be based on the investment, your age or your financial status? My question is about t...
Sep 17, 2022•11 min
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 What is a fair fee and what should I know about upfront fees? Hidden fees and what to look out for What ...
Sep 10, 2022•16 min
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 to know how much i should allocate towards equities, would 100 minus your age be a good equity allocati...
Sep 03, 2022•14 min
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 mean? International interest rates vs South African interest rates What are some of the reasons why you wou...
Aug 27, 2022•17 min
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 sum I should put in each account, or do you recommend I keep it in my ZAR investment? How can I safely ...
Aug 20, 2022•13 min
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 Brinson, Hood, and Beebower & what did they discover? What is the “Behaviour Gap”? The 5 investment...
Aug 13, 2022•20 min
Today Warren Ingram speaks to the author of "You’re Not Broke, You’re Pre-Rich", Mapalo Makhu on her take on finance. Today Warren & Mapalo touch on the psychology of money, “Black Tax” and how to manage family expectations, and the 7 habits that keep you broke. Questions/ Topics: The psychology around money “Black Tax” & how to manage family expectations 7 habits that make you broke If you could give your younger self advice, what would it be? Have a question for Warren? Don’t...
Aug 06, 2022•29 min
T oday Warren Ingram invites Ray Mhere , Retail Business Head for Prescient to discuss the importance of asset allocation. Warren and Ray touch on goals, time horizons, risk tolerance, global investments, and more advice on how to reach financial freedom. Questions/ Topics: Why is asset allocation important How goals and time horizon affect your returns What is risk tolerance and can you handle the emotional rollercoaster How does asset allocation help with risk tolerance? Why you should combine...
Jul 30, 2022•21 min
Today Warren Ingram speaks to Director & Financial Advisor, Yolande Botha on how to stay invested in your financial investment journey. Warren and Yolande touch on when to change your investments, decisions on market timing, why asset mix is important, and why having a balanced mandate works. Questions/ Topics: What is your experience in dealing with investors in these recent volatile markets due to COVID and recent recessions? Should you withdraw investments when markets are down? What are ...
Jul 23, 2022•16 min
In today’s episode, Warren Ingram invites well-known financial guru, Maya Fisher-French to discuss interest rate basics. Warren and Maya speak about how interest rates work, repo rates, prime interest, fixed vs Flexi interest rates, and more on how the banks incorporate interest rates in your loans, credit cards, and other debts. Questions/ Topics: When we talk about interest rates, what does this mean? When inflation goes up, what does this mean? What is a Repo-Rate? What does Prime Interest Ra...
Jul 16, 2022•18 min
Today Warren Ingram speaks to Rory Brachner , owner and founder of DoshGuide . Warren and Rory speak about how DoshGuide is changing the financial advisory space through a flat fee app allowing users to explore various financial advisory portfolios that link with their needs. Questions/ Topics: What is Dosh Guide? How does financial planning work in terms of fees? Upfront commission advisors vs flat fee advisory services How do subscription models work? How does Dosh Guide work with having vario...
Jul 09, 2022•26 min
Warren Ingram answers your questions, in today’s episode he touches on preservation funds when getting a payout and choosing between an RA or a TSFA to invest in. Questions/ Topics: I'm about to receive a divorce payout, I'm planning on moving it to a preservation fund and draw out one bulk amount. I have a child that needs education and I need to buy a small car. What would you suggest in terms of preservation funds, is there one you can recommend or is there another solution? I only ...
Jul 02, 2022•17 min
In today's episode, Warren Ingram answers your questions about how to choose the right ETF for you, how they work, and how are they calculated, is it based on a percentage mass formula or mathematical models? Listen for more. Questions/ Topics: How would I find research & resources on companies I want to invest in? Secondly, could you please give us more information on how ETFs work, is it limited to a list of companies we need to invest in and use % mass formulas, or are there differen...
Jun 25, 2022•16 min
In today's episode, Warren Ingram answers your questions about investing in gold, and what the difference is between gold ETFs, shares, and physical gold bars. Questions/ Topics: I want to understand more about gold. Physical gold, gold shares, and gold ETFs, which one is best to buy, and what is the difference between them? 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. F...
Jun 18, 2022•10 min
Buying a property is a big investment and something that requires a lot of research. In today’s episode, Warren Ingram speaks to guest speaker, Molatelo , on tips for first-time homeowners. They cover topics around being a homeowner, the things to look out for, the importance of maintenance, property inspectors, and more. Questions/ Topics: What do you need to consider before buying a property? The concept of due diligence Do you need an emergency fund for your house? The importance of knowing t...
Jun 11, 2022•22 min
Today Warren Ingram meets with Higgo van Biljon from FinMeUp to discuss how financial literacy is fundamental to everyone's financial growth. Warren and Higgo also speak about how FinMeUp can help the community and how Honest Money will be getting involved. Topics/ Questions: What is FinMeUp? When you say “curated content”, what does this mean and how do you know it’s a trusted source? What does a “mentor” mean on your app? How does Honest Money fit with this app? What are some of the featu...
Jun 04, 2022•18 min
In today’s episode, we welcome back one of our very first guests, The Finance Ghost. Warren and The Finance Ghost speak about active, and passive investing and why it's good to dabble in both. They also touch base on single stock portfolio diversification, rebalancing, the psychology behind risk trading and give great tips and insights on how to maximize on your returns. Questions/ Topics: What does active investing mean? What does passive investing/ index-tracking mean? Should you do one o...
May 28, 2022•32 min
On today’s episode, Warren Ingram speaks to Ess Mukumbo on how to save on your monthly costs , starting with a one-car household. Warren and Es discuss the pros and cons of owning one car per family and other top tips to make your Rand stretch further. Questions/ Topics: Why Ess decided to have one car in her household How does one car per household save costs? What are the pros vs cons of having one car? With petrol & food increases, what other means of household savings can you recommend? ...
May 21, 2022•23 min
In today’s episode, Warren Ingram answers your questions around investing offshore, more on RSA retail bonds, investing on credit, and touches on the importance (& the difference) between life cover, income policies, funeral cover, and disability cover. Topics/ Questions: What would you do with a large lump sum if you want the money to do offshore? Do you wait till the exchange rate drops? And what do you think of the RSA retail bonds at 9.75% guaranteed for 5 years? I have access to money o...
May 14, 2022•17 min
On today’s episode Warren Ingram speaks to one of our listeners who is working at a supermarket earning minimum wage and would like advice on reaching financial freedom through a different career path. Warren gives advice around intentful career choices, how to combine passion and money, the steps to financial freedom and more. Questions/ Topics: I'm working at a local supermarket and earning minimum wage, I did some calculations on my budget, it would take a long time for me to achieve my ...
May 07, 2022•27 min
