In this episode, Warren Ingram answers your questions about retirement expenses and taxes, as well as the financial consequences of immigrating and investing in foreign stock markets. He also highlights the importance of budgeting for increasing medical aid costs in retirement & gives advice around financial immigration and tax implications. Takeaways Retirement expenses don't change significantly from the last years of work to the first years of retirement, except for the cessation of ...
Aug 31, 2024•17 min
In todays episode, Warren Ingram and Rupert Hare, Head of Multi-Asset at Prescient , discuss the investment opportunities in South Africa and around the world. They highlight the potential for good returns in South African asset classes, such as equities and fixed income instruments, due to attractive valuations and high yields. They also discuss the importance of diversification and the potential for growth in emerging markets like Japan. Takeaways South African asset classes, such as equities ...
Aug 24, 2024•21 min
In this podcast, Warren Ingram answers questions about contributing to a retirement fund and withdrawing money from a retirement fund to pay off debts. He discusses the limitations on investing in international investments through living annuities and suggests being patient as the cap on offshore capacity may ease in the future. Takeaways Maximize the tax break for retirement fund contributions by contributing up to the maximum allowed amount. Avoid over-contributing to retirement funds and cons...
Aug 17, 2024•13 min
In today's episode, Warren Ingram and Rupert Hare , Head of Multi-Asset at Prescient , discuss the potential for interest rate cuts in the US and how it may impact asset allocation. They discuss the importance of diversification, preparing for different eventualities, the opportunities in global fixed income, and the potential for value in stock markets outside of the US. Takeaways Interest rates are likely to come down in the US, and investors should prepare for different eventualities. Di...
Aug 10, 2024•17 min
In today's episode, Warren Ingram explores the best ways to use a bonus, weighing the benefits of paying off car debt versus investing it. He discusses various options, including reducing taxes by contributing to a retirement account and the advantages of paying off high-interest debt. Takeaways Consider the interest rate on car debt when deciding whether to pay it off or invest the money elsewhere. Putting a portion of a bonus into a retirement account can reduce taxes. Using the monthly c...
Aug 03, 2024•8 min
In today's episode Warren Ingram speaks to the importance of understanding why you'd like to consider advanced education and whether it will truly benefit one's career. Warren speaks to alternative options such as specialised short courses to gain new skills and knowledge. Takeaways The decision to pursue an advanced degree, such as an MBA, should be carefully considered and based on the specific goals and needs of your career. Comparing yourself to others and feeling a sense of F...
Jul 27, 2024•11 min
In today's episode Warren Ingram gives advice to a listener on how to set aside money for a family member who will be in prison for five or six years. Warren discusses the challenges of saving and investing for adult family members and the potential tax implications, the level of control you want the person to have over the money and explores options such as setting up an investment or opening an endowment. Takeaways When saving and investing for adult family members, consider the level of ...
Jul 20, 2024•9 min
In this episode, Warren Ingram dive into the importance of including emerging markets in your investment portfolio alongside your local market investments. Warren explores how the All Country World Index offers exposure to both developed and emerging markets, providing a diversified approach to global investing and touches on more. Takeaways Investors should consider having an allocation to emerging markets in addition to their local market investments. The All Country World Index provides expos...
Jul 13, 2024•10 min
On this week's episode, Warren Ingram answers your questions around financial priorities for new parents. A new mom seeks advice on choosing between buying a retirement annuity (RA), life cover, or medical aid, tune in and learn about risk management protection, insurance and more. Takeaways Prioritize risk management and protection before focusing on long-term savings. Get medical aid first to cover potential medical costs for yourself and your baby. Shop around and compare quotes from dif...
Jul 06, 2024•8 min
In this episode, Warren Ingram and Chris Rule , Head of Products and Client Solutions at 10X , discuss the difference between volatility and risk in investing. They discuss that volatility, understanding the difference between permanent loss of capital and volatility, and how to manage and mitigate these risks through diversification and goal setting. Takeaways Volatility is the measure of how much an investment goes up and down, while risk is the chance of not achieving your financial goals. Pe...
Jun 29, 2024•29 min
In this episode, Warren Ingram answers your questions around streamlining your investment strategy for maximum efficiency and growth. He reveals the secrets behind Linked Investment Service Providers (LISPs) and their role in portfolio management, highlighting their advantages for financial advisors. Warren also discusses why investment companies often outperform insurance companies in service and platform quality, and reviews specific LISPs. Key Takeaways LISPs Explained: Ideal for financial ad...
Jun 22, 2024•12 min
In this episode, Warren Ingram explores the tax implications of investing money on behalf of a child. He explains why putting money in a child's name doesn't avoid taxes, as parents are taxed until the child turns 18, and discusses the tax consequences of donating money to children. Warren also highlights the benefits and cautions of tax-free savings accounts for children and suggests investing in endowments or unit trusts to benefit the child long-term. Tune in for insights on making ...
Jun 15, 2024•9 min
In today's episode Warren Ingram answers your questions about retirement annuities (RA) or a tax-free savings accounts (TFSA). Warren discusses the benefits of a TFSA including tax-free growth, RA offers a tax deduction on contributions, how Regulation 28 governs the maximums in retirement funds, and that decisions should consider both time horizon and psychological tolerance for risk and offshore allocations. Takeaways Consider both time horizon and psychological tolerance for risk when de...
Jun 08, 2024•12 min
In today's podcast Warren Ingram and Anton Eser , Chief Investment Officer at 10X Investments, delve into the US bond market, its significance, and the challenges it faces. They explore the relationship between the US bond market and global financial assets, as well as the impact of geopolitical and fiscal factors on the market. Takeaways The US bond market is a critical component of the global financial system, influencing various financial assets worldwide. Geopolitical and fiscal factors...
Jun 01, 2024•29 min
On today's episode Warren Ingram teaches us how to strategically phase in your investments, minimize fees, and maximize interest earned. Warren also answers your questions on using an access bond as an emergency fund for guaranteed, tax-free returns at high interest rates. Takeaways Strategically phasing in investments to avoid unnecessary fees Managing transaction costs effectively How to maximize interest earned during the phase-in period How to minimize transfer fees (fixed and percentag...
May 25, 2024•9 min
In this episode Warren Ingram delves into the retirement fund reform, which introduces a two-pot system to lower the tax burden when cashing in provident funds upon resignation. It segregates funds into a compulsory portion, locked until retirement, and a savings pot accessible during emergencies. While the reform doesn't alter the investment strategy, it modifies fund accessibility. Takeaways The retirement fund reform aims to address the issue of high taxes when cashing in a provident fun...
May 18, 2024•8 min
In this episode, Warren Ingram explores the topic of prescribed assets and their potential effects on retirement funds. He delves into their historical context during the apartheid era and clarifies that the ANC's manifesto is distinct from official policy, recommending that investors hold off on modifying their retirement strategies until concrete government policies are announced. Takeaways Prescribed assets refer to the concept of forcing retirement funds to invest in specific government...
May 11, 2024•9 min
Warren Ingram and Chris Rule dive into the world of exchange-traded funds (ETFs), exploring their transformation from simple index trackers to actively managed portfolios. They break down the benefits of using ETFs for diversified investing, discuss the differences between active and passive ETF strategies, and highlight key considerations like costs and transparency. Takeaways ETFs allow investors to access a diversified basket of shares or bonds through a single investment on their stockbrokin...
May 04, 2024•26 min
In today's episode Warren Ingram and Ess Mukumbo discuss the challenges of balancing work and parenting. They emphasize the importance of planning, communication, having a support system in place and the guilt that parents often feel and the need to prioritize and make trade-off decisions. Takeaways Balancing work and parenting is a constant juggling act that requires planning and communication. Having a support system in place is crucial for managing work-life balance. Guilt is a common fe...
Apr 27, 2024•22 min
In this episode Warren Ingram explores the strategic advantages of dividend investing and its role in ensuring financial discipline within corporations. Warren speaks to contrast dividends with share buybacks, highlighting how dividends are tied to real cash flow and profits, offering investors a more transparent measure of a company's financial health. Takeaways Benefits of Dividends: Dividends as indicators of real profits and financial discipline & why focusing on dividends can enhan...
Apr 20, 2024•13 min
Warren Ingram and Dr. Marc Rogatschnig delve into their newly launched book 'Small Changes for Big Results,' highlighting the impact of unconscious influences on financial decisions. They offer a behavior change framework, using case studies and tools to help readers improve their financial behaviors. Emphasizing small, impactful mindset shifts, the book aims to simplify behavior change and enhance financial well-being. Get a copy of Small Changes for Big Results here Takeaways Underst...
Apr 13, 2024•27 min
In this episode, Warren Ingram and Kelin Pottier , Solutions Strategist at 10X Investments , discuss the different ways to store cash in unit trust funds. They explore the concept of income funds, which aim to deliver a high level of income while maintaining capital stability, the risks involved in income funds and the importance of regulations and diversification in managing these risks. Takeaways Unit trust funds offer different ways to store cash, including money market unit trusts and income...
Apr 06, 2024•21 min
In today's episode, Warren Ingram delves into asset allocation, navigating the complexities of balancing stocks, bonds, cash, property, and shares to tailor your investment strategy. He'll guide you in aligning your portfolio with your financial goals and risk tolerance, emphasizing personalized approaches over generic solutions. Questions/Topics: Asset Allocation: The strategic distribution of investments across various asset classes, such as shares, exchange-traded funds (ETFs), gold...
Mar 30, 2024•14 min
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•28 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
