Warren Ingram tackles the dilemma of investing in property versus paying off a mortgage in South Africa, highlighting hidden costs, tenant rights, and the importance of financial readiness. Questions/ Topics: "So my question is about property and buying property at the moment. I have a property, a townhouse. I've had it for over seven years now and what I was wondering is the market looks good at the moment in terms of buying property. And my plan was to firstly pay off my current prop...
Feb 03, 2024•12 min
Join Warren Ingram and financial expert Anton Eser , Chief Investment Officer at 10x Investments , as we dissect the U.S. stock market's ascent and the S&P 500's significant gains since the late '80s. We'll explore the interplay of earnings growth, valuation multiples, and interest rates, alongside the challenges posed by the pandemic, inflation, and Federal Reserve policies. Questions/ Topics: Exploring the U.S. stock market's rise with Anton Eser from 10x Investmen...
Jan 27, 2024•27 min
In today's episode, Warren Ingram delves into the essentials of starting a financial journey for young family members, navigating through options like endowments, retirement annuities, and tax-free savings accounts. We explore the strategic timing and benefits of offshore investments, including phased investments for long-term growth and retirement planning. Questions/ Topics: "I'm thinking of investing money offshore, like taking money directly offshore and investing it there for...
Jan 20, 2024•11 min
Welcome to "Market Insights 2024," your essential guide to understanding the financial landscape. In this episode, Warren Ingram explores the economic upheavals of the past year and the potential of 2024. We'll dissect the impact of tech giants, known as the 'Magnificent Seven,' on global markets, delve into the challenges and opportunities in emerging markets like South Africa, and examine how psychological factors like recency bias affect investment decisions. Economic...
Jan 13, 2024•19 min
Join Warren Ingram as he covers the three fundamental steps to achieving a financially free retirement by: being debt-free, having an emergency fund, and generating sufficient investment income. We'll also demystify the choices between living and life annuities, explore the realities of early retirement at 55, and more. Questions/ Topics: Demystifying retirement planning: three key steps to financial freedom. Strategies for being debt-free and building an emergency buffer. Generating sustai...
Dec 09, 2023•12 min
Join Warren Ingram and Romelon Chetty, a quantitative analyst at Prescient , as we explore the world of index investing, from the Dow Jones to the JSE Top 40. We'll delve into how these indices shape market performance and fund management, and the crucial role of discipline and delayed gratification in personal finance. Get ready for insightful revelations that connect the dots between global financial trends and individual decision-making. Topics/ Questions: Exploring the history and impac...
Dec 02, 2023•20 min
In this episode of Honest Money, Warren Ingram delves into the often-confusing world of Unit Trust Fees and Administration Costs. Warren clarifies the differences between Total Investment Charge (TIC) and Administration Fees, and their impact on your investments, the merits of using a separate money market account versus an income fund for managing fees, and dissect the various elements of TIC. Questions/ Topics: Demystifying Unit Trust Fees and Administration Costs. Understanding Total Investme...
Nov 25, 2023•10 min
Tune in as Warren Ingram , Sajjaad Ahmed and Conway Williams from Prescient Investment Management , reveal the intricacies of debt markets and the pivotal role of analysts. Discover the synergy between fixed interest investments and equities, strategies for portfolio diversification, and tips for optimizing returns. Delving into the less-publicized yet vast world of debt markets. Looking at why debt markets get less media spotlight compared to stock markets. Unpacking the critical role of quanti...
Nov 18, 2023•26 min
In today's episode Warren Ingram and Reza Ismail , Head of Bonds at Prescient , unravel the complexities of global bond markets and South Africa's fiscal landscape. We'll dissect the country's debt handling post-budget, the challenges facing its bond market, and the broader implications of U.S. monetary policy. Analyzing South Africa's debt capacity post-medium-term budget. Understanding bonds' role between cash and equity investments. Investigating the decline in i...
Nov 11, 2023•34 min
In today's Q&A session, Warren Ingram tackles the pressing issue of debt management, the importance of an emergency fund, the benefits and limitations of money market and 32-day notice accounts, and how a blended approach to saving can offer both security and growth. Addressing the stress of debt management. Strategies for loan restructuring and debt consolidation. The risks of undisciplined spending post-consolidation. The potential pitfalls of accumulating more debt. Importance of an ...
Nov 04, 2023•19 min
Dive into the world of high inflation and interest rates with Warren Ingram and Bastian Teichgreeber , Chief Investment Officer at Pressient Investment Management . Gain insights on potential positive developments in interest rates, the South African economy, and the cruciality of a long-term investment outlook. Don’t miss this episode filled with expert insights for navigating today’s complex economic environment. Questions/ Topics: Navigating high inflation and interest rates. Understanding un...
Oct 28, 2023•25 min
In today's episode Warren Ingram offers a deeper understanding of unit trusts, emphasizing their safety, transparency, and the rights of unit holders. We also journey through the South African stockbroker landscape, providing key insights to ensure a confident and informed investment experience in this Q&A. Questions/ Topics: Unraveling the mysteries of investing. Deep dive into low-cost brokerage accounts and unit trusts. Comprehensive breakdown of unit trusts: safety and regulations. ...
Oct 21, 2023•9 min
Join Warren Ingram as he deep dives into the transformative world of ESG with Michelle Green , Credit Analyst and ESG Committee Chairman at Prescient Investment Management . Today we unpack the significance of environmental, social, and governance factors in reshaping investment strategies, emphasising its role in responsible investing and the shift from a shareholder-centric model to a holistic stakeholder approach. Questions/ Topics: Revolutionizing investment strategy with ESG. Introduction t...
Oct 14, 2023•25 min
In this episode, Warren Ingram explores the intricate relationship between our emotions and money. From the highs and lows of retail therapy to the adrenaline rush of investing, we uncover the psychological underpinnings that can either propel us forward or hold us back in our financial journey. Questions/ Topics: Emotions and rationality More on emotional spending The psychology behind retail therapy Questions to Ask yourself amidst strong emotions Relationships and your relationship with money...
Oct 07, 2023•19 min
Today Warren Ingram invites Rupert Hare , Head of Multi-Asset at Prescient , to delve into the debated concept of a BRICS currency, geopolitical significance and challenges to G7 dominance, especially with India and China's rising influence. Discover the potential impacts such a currency could have on the global economic stage and the transformative power of emerging economies on global structures. Questions/ Topics Exploring the global power shifts: spotlight on BRICS. Geopolitical implica...
Sep 30, 2023•13 min
In today's episode we dive deep into the dance between economic trends and investments. Warren Ingram helps us understand the impact of rising interest rates, move beyond sensational headlines, and navigate the volatile investment landscape with wisdom. Questions/ Topics: Unmasking the dance between economic trends and investments. Examining the pulse of the economy. Understanding rising interest rates and their impact on investments. How reserve banks use interest rates to combat inflation...
Sep 23, 2023•13 min
Have you ever stopped to consider the power of the South African rand in shaping your financial future? Today Warren Ingram invites Rupert Hare , Head of Multi-Asset at Prescient , to tackle the often unpredictable nature of the rand, exploring how its strength affects our investment decisions and the crucial role it plays when considering offshore exposure. Questions/ Topics: Exploring the Power of the South African Rand Insights from Rupert of Pressient Investment Management Unpredictable Natu...
Sep 16, 2023•15 min
In this episode, Warren Ingram and Terence Tobin dive deep into the world of wills in South Africa, demystifying the process and importance for both young and old. From legalities to protecting your inheritance, we cover it all, ensuring you're well-equipped to make informed decisions. Questions/ Topics: What is a Will? What makes a will a legal document in South Africa? What validates a Will? Fees involved with drafting and executing your Will The process of wrapping up an estate How to no...
Sep 09, 2023•25 min
In this enlightening episode, Warren Ingram delves deep into the world of debt, breaking down its various forms, the costs associated with it, and the importance of understanding inflation and interest rates. We also touch on the crucial role of discipline in managing and paying off debt. Questions and topics: What are the three kinds of debt and their implications The most expensive forms of debt due to interest Inflation, interest rates, and debt- how this impacts you The art of discipline and...
Sep 02, 2023•16 min
Join Warren Ingram in his podcast as he explores ethical investing's alignment with personal values. He exposes the drawbacks of ESG-focused hype by investment firms seeking media attention, advocating for a philosophical stance over fleeting trends & more. Questions/ Topics: Caution against investment firms launching ESG products for media hype. Emphasize philosophical approach to ethical investing. Look beyond trends, consider company's values and practices. Beware of "green...
Aug 26, 2023•15 min
Discover the path to a secure retirement in this episode! Warren Ingram explores smart investment strategies for your golden years, including generating income from your savings. Delve into the choice between living and compulsory annuities, gain insights into effective portfolio management, the pros, and cons of local vs. global markets, and learn why financial discipline is your key to a worry-free retirement. Topics/ Questions: Can you generate income from your retirement savings? The differe...
Aug 19, 2023•15 min
On today's episode Warren Ingram invites Seeiso Matlanyane , Head of Equities and Ashleigh Allan , Equity dealer at Prescient Investment Management at Prescient . In this information-packed episode we touch on shares, equity risk, how passive and active investing is the bridge of systematic investing and how this is revolutionising the financial industry. Questions/ Topics: What are shares? What are we buying when we buy shares? What is equity risk premium? Investing 50-75% of your capital ...
Aug 12, 2023•32 min
In today’s podcast Warren Ingram invites Steve Van Rooyen , Founder of Digi Dorx & Honest Money partner, to discuss the traps of comparing your financial success to those around you. Warren and Steve also touch on gratification methods, aligning your goals and measuring success. Questions/ Topics: What does financial success mean Delayed gratification and how this is linked to your investments Short term rewards and why it’s important Aligning your goals and setting a target How we measure s...
Aug 05, 2023•26 min
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, 2023•26 min
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, 2023•19 min
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, 2023•17 min
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, 2023•19 min
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, 2023•14 min
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, 2023•33 min
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, 2023•29 min
