In today's episode Warren Ingram delves into the transformative landscape of retirement planning, focusing on the innovative two-pot system designed to harmonize our immediate financial needs with the necessity for future security. We'll debunk common myths and misconceptions that cloud our understanding of these financial reforms, clarifying their true aims free from the fog of hidden taxes and supposed ulterior motives. Questions/Topics: Balancing Immediate Needs with Future Security...
Mar 23, 2024•12 min
In week's episode Warren Ingram , guides you with a comprehensive discussion on investment myths and the impact of FOMO in the South African market. Through research and observations, he provides guidance for investors, cautioning against chasing short-term highs and reacting impulsively to trends. Questions/Topics: Past Performance vs. Future Results: Ingram warns against assuming that historical performance guarantees future success in the stock market. Influence of Tech Stocks: Ingram di...
Mar 16, 2024•13 min
In this week's episode of the financial podcast, Warren Ingram discusses the complexities of the nation's fiscal situation with Chris Eddy , Head of Multi-Asset funds at 10x Investments . They analyze the implications of high debt levels and the use of foreign exchange reserve profits, highlighting the transition from stability to vulnerability. Amid economic challenges, opportunities for investors are explored, with Chris promoting strategic risk-taking, particularly among the youth, ...
Mar 09, 2024•27 min
In this episode, Warren Ingram discusses the finance minister’s strategy of using the country’s emergency savings within the context of the Budget Speech. He evaluates the potential consequences of this decision and provides insights into navigating the complex financial landscape of South Africa. This guide aims to equip both experienced investors and newcomers with the knowledge needed for effective financial planning in uncertain economic times. Questions/topics uncovered: Budget Impact on Pe...
Mar 02, 2024•13 min
In this week’s episode, Warren Ingram delves into the complexities of optimizing retirement funds within the South African context. He offers strategies for individuals aiming to maximize their retirement savings and achieve financial security. We also highlight the importance of utilizing the 27.5% taxable income contribution to gain significant tax rebates and strategically navigate the 350,000 ZAR ceiling, enhancing future financial stability. Themes/Topics: Retirement Fund Options: Unveiling...
Feb 24, 2024•14 min
In this week episodes, Warren Ingram delves into the intricacies of political interplay and its impact on investment strategies in an era marked by national upheavals. The realm of investments, political landscapes often cast long shadows, influencing markets in unpredictable ways. A valuable insight is provided particularly in the context of South Africa amidst the upcoming elections. Questions/topics to look forward to: Political events exert substantial influence on investor sentiment and mar...
Feb 17, 2024•14 min
In this episode, Warren Ingram explores the critical link between mental health and financial stability post-pandemic with insights from Stian de Witt CFP from NMG Benefits. We discuss the importance of 'mental fitness' akin to an emergency fund, the financial impact of mental health issues, and the push towards normalizing mental health support. Questions/ Topics: Explore the intertwined relationship between mental health and financial well-being in the aftermath of the COVID-19 pande...
Feb 10, 2024•23 min
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•25 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•24 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
