Honest Money - podcast cover

Honest Money

Warren Ingramhonestmoney.co.za
Your personal guide to financial freedom, hosted by the bestselling author and award-winning financial planner, Warren Ingram.

Episodes

From Instincts to Algorithms: Systematic Investing Evolution

Join Warren Ingram and Bastian Teichgreeber , Chief Investment Officer at Prescient , as they explore the history of investing from the 30s to the 90s, the 'Sharp Ratio,' modern portfolio theory, behavioral biases', AI and so much more. Questions/ Topics: Why is the history of investing relevant? An overview of what investing looked in from the 30's- 90's Risk and return: was it always like this? The "Sharp Ratio" Modern portfolio theory: The correlation betwee...

Jul 29, 202325 min

Global or Local: The Investment Dilemma for Wealth Creation

Today Warren Ingram & Yolande Botha , Head of Wealth Management at Galileo Capital , speak about investing globally, the considerations to keep in mind if you're wanting to emigrate, how to build 3rd generational wealth locally and globally as well as how to navigate the exchange rates without making an emotional decision. Questions/ Topics: How should i split my investments between local vs globally Should i invest locally if i'm planning to emigrate What is a balanced Unit Trust ...

Jul 22, 202319 min

Roadworthy Rides: Essential Advice for Buying Used Cars

Today we invite André Bothma to speak about a tweet that went viral. Warren Ingram and André share advice on tips when buying a secondhand car, things to consider and the financial considerations and tips on making sure you get the most bang for your buck! Topics/ Questions: SARS and automation- has SARS gotten better or worse over the last few years? The secondhand car tweet that went viral - how did this happen? Useful tips when shopping for a secondhand car DEKRA reports & why it's i...

Jul 15, 202317 min

South African Interest Rates: Current Landscape and Future Expectations

In today's episode, Warren Ingram hosts Henk Kotze, Head of Cash & Income at Prescient , as they delve into the global impact of inflation and interest rate hikes. They discuss the significance of the American Federal Services, explore how global interest rates affect the world, and provide valuable guidance for investors on the current and upcoming interest rates in South Africa. Questions/ Topics: How global hikes in inflation and interest rates affect the rest of the world What is &q...

Jul 08, 202319 min

The Wealthy Investor's Playbook: The Most Common Tricks and Traps

In this podcast, Warren Ingram & Yolande Botha , Head of Wealth Management at Galileo Capital , delve into the world of investing and uncover the top tips and common pitfalls that wealthy individuals encounter. Explore how emotional reactions can impact your financial decisions and learn invaluable strategies to maintain a positive perception in the face of market fluctuations. Topics/ Questions: What is the biggest mistake people make with investing? How emotional mistakes can impact your i...

Jul 01, 202314 min

Navigating the World of Financial Planners: How to Find a Tech-Savvy Partner

Today Warren Ingram invites repeat guest, Rory Brachner, Founder & MD at DoshGuide speak about the world of financial planning through technology. Learn how DoshGuide can help you reach financial freedom through planning a framework, understanding your goals and being transparent- advice without the fluff. Questions/ Topics: What does the financial advice process look like, where do you start? The framework of financial planning The importance of research & discovery What does holistic f...

Jun 24, 202332 min

Data-Backed Investing: Leveraging Information for Financial Success

Today we speak about how data can be used to leverage investing success based on research and machine learning. Warren Ingram and Shriya Roy , Quantitative Analyst at Prescient , speak more about dirty data, how it's being used in banking & investing as well as various ways to use clean data. Questions/ Topics: 1. Is all data good? 2. What is a single source of truth in terms of data? 3. What is the relationship between data & business? 4. How is data being used in the different ind...

Jun 17, 202328 min

The Dark Side of Hype ETFs: Risks and Pitfalls in a Social Media-Driven Market

Today we speak about a controversial topic with Warren Ingram & Finance Ghost : The Dark Side of Hype ETFs: Risks and Pitfalls in a Social Media-Driven Market. Warren and Finance Ghost speak on the dangers of blindly following influencers, how consistency over hype gives better results, and how to look out for the quality of the information you get. Topics/ Questions: 1. Influencers and their role in hiking up ETFs 2. Purposefully building a controversial following & the impact on invest...

Jun 10, 202327 min

The Time Value of Money: Tips for Young Investors

Today Warren Ingram invites Prescient , Business Development Manager, Gabriel Botha to discuss how young investors can get on top of inflation and how the time value of money affects your return on investment. Questions/ Topics: How inflation plays a role in your investments How the time value of money plays an important role in your return on investments Opportunity costs and what this means Risk vs time horizon vs reward: why it's important to focus on all 3 with a goal in mind Long-term ...

Jun 03, 202320 min

Lessons From Millionaires: How the Wealthy Invest Their Money

In today's episode, Warren Ingram takes the stage to delve into the fascinating world of how the wealthy invest their money. Drawing from his years of experience, Warren shares valuable insights, tips, and tricks on harnessing the power of time horizon, portfolio diversification, and exotic investing. Join us as we explore how these strategies can transform your wealth into generational wealth. Questions/ Topics: - The 2 types of wealthy people - How time horizon is an important part of the...

May 27, 202317 min

Mastering Money: Warren Ingram's Guide to Financial Freedom

On today's episode, Warren Ingram shares his top tips for financial freedom and guides listeners through the essential steps to achieve it. From setting clear goals and settling debt, Warren empowers listeners to take control of their finances and cultivate a mindset for long-term wealth building in this easy step-by-step podcast! Questions/ Topics: What's the difference between retirement planning & financial freedom? What is financial freedom? The steps to financial freedom Send ...

May 20, 202312 min

The Quantitative Investor: How Data Science is Reshaping Financial Decision-Making

Today we speak about data science and how it's impacting the financial industry. Warren Ingram and Zubair Patel , Co-Head of Data Science & Quantitative Analytics at Prescient , run through how data science is being incorporated into investing, how this affects asset managers and financial planners, the different layers of AI and more. Questions/ Topics: What is data science? How it helps consumers in retail The value-add in data science How does data science work in investments Data sc...

May 13, 202316 min

Millennial Money: Simple Strategies for Budgeting and Saving for Retirement

On today's episode, Warren Ingram talks to Tamara Dalhuijsen about simple budgeting tips, the importance of the psychology behind your spending habits, and advice on how to work out your monthly retirement contributions with the increase in life expectancy. Topics/ Questions: Understanding the psychology behind your spending habits Budgeting tips and trades How your values are tied to financial freedom Doing research on groceries and other spending habits How upskilling can assist with fina...

May 06, 202320 min

The Active vs. Passive Debate: Examining the Performance of Each Strategy

Join Warren Ingram and Rupert Hare , CFA, CAIA, Head of Multi-Asset at Prescient , as we delve into the difference between active and index/ passive funds, asset managers and the best performance strategy for each. Questions/ Topics: What is asset management? What are active funds? What are passive funds? What does "Alpha" profiling mean? Why is it important to know the difference? Choosing your options and the perks of each? Active managers: How active are they really? How much equiti...

Apr 29, 202325 min

Starting Early: The Benefits of Investing for Your Baby's Future

On today's episode, Warren Ingram invites guest speaker, Steven Van Rooyen , to discuss the ins and out's of investing for your baby's future. Warren and Steve talk about investing strategies, things to prepare for, and events to plan ahead for like university, relocation costs, birthday presents, and more. Topics/ Questions: - I have a 6-week-old, should i start investing on her behalf? - What investments should they be? - Should we be sending money overseas? - Do's and don&...

Apr 22, 202317 min

Data-Driven Investing: How Big Data Analytics is Transforming Investment Decision-Making

Today Warren Ingram speaks to Cheree Dyers , the CEO at Prescient , about how data-driven investing is the way of the future. Learn how the financial industry is using big data to improve returns and reduce risk ensuring smart decision-making and culture-building. Topics/ Questions: The benefits of data-driven strategies for improving returns and reducing risk The importance of upskilling your team in data analysis and programming Building a data-driven culture within the organizations How big d...

Apr 15, 202319 min

Money Mindset for Kids: Setting the Foundation for a Lifetime of Financial Well-being

In today's podcast, Warren Ingram invites Mapalo Makhu to speak about financial literacy for children and how you can cultivate a positive money mindset in your children, regardless of age. Questions/ Topics: Ways to speak about money that makes sense to your children How to teach about saving Ways to encourage money management The art of patience Send us a text Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you c...

Apr 01, 202319 min

The Global Investor: Q&A on Navigating ETFs, Taxes & Immigration

In this week's episode, Warren Ingram answers your questions about ETFs, whether it's better to withdraw your dividends or reinvest, as well as questions about tax savings on RA/ pension funds if you immigrate. Questions/ Topics: My question is about ETFs that payout dividends versus ETFs that reinvest the dividends. Can you please discuss the pros and the cons of each if faced between two ETFs, let's take the MSCI World distributing or the MSCI world accumulating which one is bet...

Mar 25, 202310 min

South Africa and the Global Economy: Perspectives on Inflation and Interest Rates

In today's episode, Warren Ingram invites Bastian Teichgreeber , Chief Investment Officer at Prescient , to discuss how the global interest rate and inflation increase affects the international and South African market. Inflation and interest rates are interconnected and significantly impact the economy. Inflation rates have been rising globally due to supply chain disruptions and increased demand. Central banks raise interest rates in response to inflation, which can affect borrowing costs...

Mar 18, 202339 min

The Future of Finance & Technology

This podcast episode delves into the topic of technology in finance, exploring its growing usage and impact on the industry. Warren Ingram covers Robo advisors, financial literacy tools, and privacy concerns with guest speaker Money Marx, Pieter de Villers. Topic/ Questions: Exploration of the intersection of AI and finance, discussing the latest trends and developments in the field Statistics around the usage of AI in finance, highlighting the increasing adoption of this technology across the i...

Mar 11, 202319 min

Budget Speech 2023/24: Expert Insights for South African Tax Payers

In today's episode Warren Ingram and Reza Ismail , Head of Bonds at Prescient , discuss the South African Budget Speech 2023/2024. They touch on inflation, tax rebates, the analysis of small emerging markets, energy crisis rebates, tax buoyancy, risk aversion, and what this all means for the South African taxpayer & business owners. Questions/ Topics: Introduction to the South African Budget Speech 2023/2024 Explanation of Aggregate Demand and how it impacts the South African economy Ov...

Mar 04, 202336 min

Investing Strategies for Millennials

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 those risks? How can millennials balance investing for their long-term goals, such as retirement, with the...

Feb 25, 202323 min

Maximizing Your Returns: A Guide to Tax-Free Savings Accounts

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 contributions TFSA investments: dividend-paying stocks and money market accounts. Limitations within TFSAs: ann...

Feb 18, 202318 min

Investing for the Future: Exploring EU Markets

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 diversification. Topics/ Questions: Importance of splitting assets locally and overseas Explanation of...

Feb 11, 20238 min

Beyond Returns: The Social and Environmental Impact of Investing

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 always consider How buying shares or a particular index can help create jobs, put new energy into the world...

Feb 04, 202323 min

Money Mindset: Shifting Your Thinking for Financial Success in 2023

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 a text Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat o...

Jan 28, 202317 min

2022 in Review: Analyzing the Impact on Your Finances

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 for navigating the uncertain economic climate in 2023. Join Warren Ingram and Rupert Hare , CFA, CA...

Jan 21, 202323 min

Pros & Cons of Inflation & Interest Rates: Is It All Doom & Gloom?

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 power Inflation & the Reserve Bank How does increasing interest rates reduce inflation? Sectors affe...

Dec 17, 202214 min

Q&A: Advice on Selling Your Property & Investing to Reach Financial Freedom

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 good ETF to have but i know the MSCI world is more diverse and has most of the companies listed in the ...

Dec 10, 20229 min

Conscious Investing With ESG Committee Member Michelle Green

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 capital growth? How does a committee in ESG work? Why the rate of change is important to look at What shoul...

Dec 03, 202223 min
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