Honest Money

10 Episodes
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By: Warren Ingram

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

Unlocking the Future of Retirement: What to Know About South Africa's Retirement Landscape
Last Saturday at 2:00 AM

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: Exploring the two-pot system's approach to harmonize urgent financial needs with securing a stable retirement.Debunking Myths and Misconceptions: Clearing the a...


Disentangling Investment Myths: A Guide to Prudent Investing Amid Market Hype
03/16/2024

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 discusses the significant influence of certain tech stocks on the market in 2023.Long-Term Perspective: The importance of adopting a long-term approach...


The Hidden Dynamics of South Africa's Debt and Investment Challenges
03/09/2024

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, for potential personal growth.

Questions/Topics: 

Impact on Private Sector: The examining of the ripple effects of South Africa's high debt costs on the p...


Guiding Your Finances Through South Africa's Budgetary Reefs
03/02/2024

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 Personal Finance: Acknowledges the significance of national budgets on personal finance managementDebt Management: Discusses the importance of ma...


Maximizing Your Future: Smart Tax Strategies and Retirement Fund Planning in SA
02/24/2024

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 the array of retirement savings vehicles tailored to South Africans.Investment Strategies: Learn how to balance risk and return for long-term growth.Tax Efficiency: Explore the power of...


Navigating the Waves of Political Influence: Investment Strategies for Uncertain Times
02/17/2024

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 market dynamics.Predictive investment strategies based solely on political outcomes are inherently risky.Diversification across global markets offers a robust h...


Building Economic Stability and Mental Clarity After COVID-19
02/10/2024

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 pandemic.Discussion on how the pandemic has highlighted the need for 'mental fitness.'Analogy between mental fitness and having an emergency fund f...


Weighing Real Estate Risks: Insightful Strategies for Property Investment in South Africa
02/03/2024

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 property and then only buy property once I have paid...


Navigating the Surge of U.S. Stocks: Valuations, Market Outlook, and Investment Wisdom Unveiled
01/27/2024

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 Investments.Analyzing the S&P 500's gains since the late '80s.Understanding the roles of earnings growth, valuation multiples, and interest rates.In...


Strategic Financial Foundations: Empowering the Next Generation and Mastering Offshore Investments (Q&A)
01/20/2024

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 the long term in equities.  The reason that I want to do that is to be able to have some money to be able to purchase a house  in ca...