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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast Today Warren Ingram answers your questions about life policies and the benefits in terms of monthly installments, interest rates, and whether it’s better to contribute to an RA instead. Warren also explains how compound interest works in investments like the Satrix Top 40. Questions/ Topics: My dad is 57yrs old and has a costly life insurance policy which he contributes to monthly (13% of his net income) with a monthly contribution increase of 12% p.a. The policy lumpsum payout only gains 3-4% i...
Apr 30, 2022•11 min•Transcript available on Metacast In today's episode, Warren Ingram answers your questions about local vs international feeder funds for beginners, the difference between individual shares vs index investing , and the growth rate. Questions/ Topics: I'm new to investing & looking to invest in ETFs but I've been advised to avoid feeder funds because they eat into your profits over time. However, after doing research I've learned that investing directly in the US denominated ETF is going to cost more as the...
Apr 23, 2022•10 min•Transcript available on Metacast On today's episode we speak to research scientist, Sarisha Perumal, who wants to learn more about ethical investing. Warren Ingram speaks about ESG within the investing sector, Index Providers that offer ESG investments, the effects of war on energy independence & climate change and how it will affect future investing opportunities. Questions/ Topics: I want to invest my money in company and organizations that don’t contribute to air pollution and climate change. What kinds of investmen...
Apr 16, 2022•39 min•Transcript available on Metacast Today Warren Ingram speaks to Craig Isaacson from unlimited solar to see how you can cut down your monthly electricity/ water costs using solar solutions. Warren and Craig also touch base on small changes you can make around the house to save money, what does Grid-Tied Solar Solutions mean, what the lifetime of solar setups is & more. Topics/ Questions: Is spending money on solar as a homeowner a good investment? Where would my money be best spent, on a solar geyser or solar panels? Tips on ...
Apr 09, 2022•23 min•Transcript available on Metacast Today Warren Ingram answers your questions on how to turn your inheritance into generational wealth using global ETFs, portfolio diversification in the domicile, and settling debt. Warren also touches on what compound interest is, fixed deposit interest, and what platform to use to get the best compound interest and shares. Topics/ Questions: How do I ensure my inheritance lasts me as well as creates generational wealth for my children? Where best can I earn compound interest? Have a question fo...
Apr 02, 2022•13 min•Transcript available on Metacast In today’s episode, Warren Ingram speaks to car guru and automotive journalist, Francisco Nwamba, on all things related to car purchasing. Warren and Francisco speak about new vs secondhand purchasing, motor plans, most stolen cars, car upkeep, and upcoming car brands to look out for. Topics/ Questions: Are there ways people can buy cars intelligently? Are there insider tips to buy a car responsibly? Do you need to buy a new car? How do we know what cars are in demand in the secondhand market? P...
Mar 26, 2022•19 min•Transcript available on Metacast Today is our last episode of the Beyond Bitcoin series, Warren Ingram speaks to authors Steven Boykey Sidley and Simon Dingle on their book, Beyond Bitcoin: Decentralised Finance and The End of Banks. In today’s episode we speak about the purpose of the book, loans in crypto, tax, money streaming and what the near future could look like. Questions/ Topics: What was the purpose of writing this book? Is the hype around Bitcoin warranted? What should a reader be doing after they’ve read your book? ...
Mar 19, 2022•21 min•Transcript available on Metacast In today’s (part 2 of 3) episode we speak to authors Steven Boykey Sidley and Simon Dingle on their new book, Beyond Bitcoin: Decentralised Finance and The End of Banks. In this episode Warren Ingram and our guest speakers cover the safety of crypto, transactions, how it’s valued, what is a Stable Coin and how does this affect Reserve Banks. Topics/ Questions: Crypto has been known for encouraging illegal payments/ activities, is this still true? Are Bitcoin transactions anonymous or are payment...
Mar 12, 2022•24 min•Transcript available on Metacast We have a special 3-part series talking with authors Steven Boykey Sidley and Simon Dingle on their book, Beyond Bitcoin: Decentralised Finance and The End of Banks. Warren Ingram speaks to Steven & Simon about the ins and outs of crypto, the blockchain system, what decentralisation is, how banking will be affected and more. Topics/ Questions: What is Bitcoin? Who started the idea of crypto/ digital money? Who developed the blockchain system? What does a smart contract mean? What is the bloc...
Mar 05, 2022•25 min•Transcript available on Metacast In today’s episode, Warren Ingram gives an overview of the 2022/23 budget speech, what to expect and what changes are coming up. Warren also touches on Regulation 28 in terms of retirement fund allocations, fuel & road levies, company tax rates, and more. Questions/ Topics: Regulation 28: Retirement Fund Allocations Fuel/ Road Levy and Increases Company Tax Rates Personal Tax Rates Overall Conclusion Have a question for Warren? Don’t forget to voice note your questions through our WhatsApp c...
Feb 26, 2022•7 min•Transcript available on Metacast Today Warren Ingram answers your questions around property investments, how to work out your investment vs costs on the property, and your profits when selling. Warren also advises on how to get a good credit rating, tips on using a credit card responsibly, and what to do if you’re in debt and need extra time. Topics/ Questions: Is it a good idea to invest in property? How do I build up a credit score after leaving school? Do you have practical tips on how to build a good credit score using a cr...
Feb 19, 2022•15 min•Transcript available on Metacast We’ve put together a 2022 Investing Game Plan to help you achieve your financial goals this year. Warren Ingram reviews his 2021 gameplan, provides 2021 reviews on JSE vs World Market investments, why 75% of your portfolio should be Global, and more on 2022 investment decisions. Topics/ Questions: Debt Emergency Funds Financial Freedom Savings vs Disposable Savings Tax-Free Savings Accounts Diversification 2021 Game Plan vs 2022 Gameplan Review JSE Investments: 2021 Review World Markets: 2021 Re...
Feb 12, 2022•16 min•Transcript available on Metacast 
