Episodi
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In this episode, Warren Ingram and Rupert Hare, Head of Multi-Asset at Prescient, discuss the significance of balanced funds in investment portfolios, particularly for retirement planning. They explore the structure of balanced funds, emphasizing their role in providing diversification across various asset classes. The discussion also covers the importance of understanding market volatility, the long-term focus required for successful investing, and the tax implications associated with balanced funds.
Balanced funds are essential for most investors' portfolios.They provide diversification across various asset classes.Investors should expect market volatility with balanced funds.Long-term focus is crucial for successful investing.Tax efficiency is a significant advantage of balanced funds.Understanding the risk-return profile is vital for investors.Fees can significantly impact investment returns over time.Diversification helps mitigate risks associated with market fluctuations.Investors should not panic during short-term market downturns.A balanced approach is key to achieving retirement goals.
Takeaways
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In this episode Warren Ingram answers your questions around investing, the importance of financial milestones, the strategic use of tax-free savings accounts and the significance of planning for children's education. Warren also delves into investment strategies, including risk tolerance, asset allocation, the advantages of global diversification and highlights the balance between index investing and active management.
Paying off your bond is a significant milestone.Keeping your bond open can serve as an emergency fund.Maximizing tax-free savings is a smart financial strategy.Investing for children's education should be a long-term goal.Consider contributing to children's tax-free savings accounts.Investing 100% in shares can lead to long-term growth.Understanding risk tolerance is crucial for investment success.Global diversification is important for a balanced portfolio.Blending index investing with active management can optimize returns.Choosing investments with low fees is essential for maximizing growth.
Takeaways
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Episodi mancanti?
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In today's podcast, Warren Ingram answers your questions around importance of diversification in investing, particularly for young investors looking to build a global portfolio. Warren outlines strategies for offshore investment, including the use of feeder funds and the implications of currency exchange and capital gains tax. Warren also emphasizes the need for a balanced approach to investing, combining different vehicles such as unit trusts and exchange-traded funds, while also considering tax efficiency and growth potential.
Diversification is crucial for long-term investment success.Investing a portion of your money overseas is essential.Feeder funds can simplify the process of offshore investing.Understanding tax implications is key to effective investing.Investing in index funds can reduce risk and increase returns.Start with foundational investments before considering individual shares.Monitor currency impacts on your investments.Utilize tax-free allowances to maximize growth.Plan your investments to minimize capital gains tax exposure.Maintain a balance between local and global investments.
Takeaways
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In todays episode Warren Ingram discusses the complexities of investment fees, the importance of selecting the right funds, and how to evaluate the value of financial advisors. He emphasizes the need for transparency in fees, the significance of diversification, and the role of good advisors in making informed investment decisions.
High investment product fees can be considered immoral.Consolidating investments can lead to lower fees and simpler management.Diversification in a small market like South Africa may not be effective.Good financial advisors can add significant value to your investment strategy.Performance fees should only be charged when funds perform well.Understanding the components of investment fees is crucial for investors.Investors should question their advisors about fund selections and fees.A certified financial planner is a key qualification to look for in an advisor.Transparency in fee structures is essential for trust in advisor relationships.Total investment costs should ideally be below 2.5% for good service.
Takeaways
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In today's episode Warren Ingram answers your questions about the principle of earning dollars and where to invest the money. Warren speaks to keeping investments in the currency in which they were earned to avoid conversion costs, the importance of diversification and the All Country World Index versus the MSCI World Index.
Keep investments in the currency in which they were earned to avoid conversion costs.Diversify investments and avoid solely focusing on the American market.Consider investing in the All Country World Index for global exposure.Choose a low-cost global platform for investing.Consider adding the top 40 index for a diversified portfolio.
Takeaways
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In today's episode, Warren Ingram and Colin Morgan, Co-founder at getWorth, discuss the financial implications of buying cars, focusing on the benefits of purchasing used cars over new ones. They explore the concept of car depreciation, the ideal age for buying a vehicle, and the importance of understanding the wholesale and retail pricing dynamics in the car market.
Cars are a passion for many, but financial sense is crucial.Used cars generally offer better value than new cars.Depreciation is steepest in the first year of ownership.The ideal time to buy a car is between five to ten years old.Mileage is often more important than age when buying a used car.Buying at wholesale and selling at retail is the goal for car buyers.Keep a car until it becomes unreliable or too costly to maintain.Understanding the car market can lead to better purchasing decisions.Emotional decisions can lead to poor financial outcomes in car buying.Choosing the right time to buy or sell a car can save money.
Takeaways
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Phronesis: Practical Wisdom for Leaders with Scott AllenPhronesis: Practical Wisdom for Leaders offers a smart, fast-paced discussion on all...
Listen on: Apple Podcasts Spotify
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In today's episode, Warren Ingram and Conway Williams, Head Of Credit at Prescient, discuss the often-overlooked realms of private debt, particularly in the South African context. They explore the definitions, differences, and investment strategies associated with these asset classes, emphasizing the importance of understanding liquidity, risk, and diversification. The discussion also highlights the potential for impact investing through private debt, showcasing how investments can contribute to economic and social development while still providing competitive returns.
Private debt provides lending opportunities with a focus on capital preservation.Investors in private debt sacrifice high returns for lower risk and priority in liquidation.Liquidity is a key consideration in both private equity and private debt investments.Private debt can offer returns above traditional fixed deposits, typically between 3-6% above call rates.Investing in private debt involves understanding the risks and potential credit events.Diversification is crucial to mitigate risks in private debt portfolios.Private debt can fund impactful projects like renewable energy and infrastructure.Investors should not allocate all their funds to private debt; a balanced portfolio is essential.Access to private debt investments can be achieved through specialized funds.
Takeaways
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Phronesis: Practical Wisdom for Leaders with Scott AllenPhronesis: Practical Wisdom for Leaders offers a smart, fast-paced discussion on all...
Listen on: Apple Podcasts Spotify
Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod
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In today's episode, Warren Ingram answers your questions about preference shares, explaining how they work and why their popularity has waned among private investors. He discusses their volatility due to interest rate fluctuations and suggests RSA retail bonds as a more stable alternative. Warren also touches on stock exchange platforms like Altex, which has faced challenges, and A2X, which is geared more toward institutional investors.
Preference shares are a form of investment where individuals lend money to a company in exchange for a fixed dividend payment.The price of preference shares is influenced by the interest rate environment, making them volatile.RSA retail bonds may be a better option for stability and certainty.Altex has struggled due to economic downturns and compliance issues.A2X is designed for institutional investors and not for private investors.
Takeaways
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Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod
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Today Warren Ingram speaks about investing in silver, the risks involved, holding gold or silver for long periods of time and other investment opportunities, like the exchange-traded funds (ETFs) that track the value of gold or silver.
Investing in silver is similar to investing in gold, as both are commodities that don't generate any income.People buy precious metals like gold and silver when they're worried about the future or inflation.Holding gold or silver for long periods of time can result in losses.Silver is cheaper than gold and has more industrial uses, but if safety is the goal, gold is the preferred option.Investing in exchange-traded funds (ETFs) that track the value of gold or silver is an alternative to buying physical metals.Wealthy individuals often hold a small percentage of their assets in commodities as insurance against unforeseen events.For most investors, it's better to focus on buying companies and equity funds that generate growth and dividends.
Takeaways
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Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod
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In this episode, Warren Ingram answers your questions about fund manager fees and the impact on investor profits. Warren speaks to investing in retirement annuities provided by unit trust companies, admin and platform fees, as well as the importance of understanding investment costs to ensure you're not overpaying.
When investing in retirement annuities, it's important to consider admin fees or platform fees charged by unit trust companies.Consolidating investments on one platform can help reduce fees.Insurance company platforms often have higher fees and lack transparency.Understanding investment costs is crucial to avoid overpaying.For monthly investments, market timing is less important, and investors should focus on choosing the right investments and giving them time to grow.For lump sum investments, it's better to do larger transactions to minimize transaction fees.Having a fixed investment program and not worrying about short-term market fluctuations is key to long-term growth.
Takeaways
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In today's episode Warren Ingram invites Henk Kotze, Head of Cash & Income at Prescient to discuss global inflation, interest rates, and their impact on investors. Warren & Henk speak to the fact that inflation is decreasing, and interest rates are expected to follow, with the US economy still growing at a slower pace, with no immediate risk of recession. Warren and Henk also touch on opportunities in emerging markets and global income assets, the expansion of global ETFs in South Africa and more.
Inflation is starting to come down globally, and interest rates are expected to follow suit.The US economy is still growing, although at a slower pace, and a recession is not imminent.As interest rates decrease, there are opportunities for investors to find houses for their capital, with emerging markets and global income assets being attractive options.The availability of global ETFs in South Africa has expanded, providing more opportunities for investors.Diversification across asset classes and geographies is a key strategy for investors.
Takeaways
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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.
Retirement expenses don't change significantly from the last years of work to the first years of retirement, except for the cessation of saving and potential changes in supporting children financially.Budget for increasing medical aid costs in retirement, as they tend to grow faster than the cost of living.Be cautious about formal financial immigration, as it can have significant tax implications. Test drive living in another country before making a permanent move.Invest in global investments through South African fund managers to avoid double taxation and have flexibility in accessing funds based on your residency.
Takeaways
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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.
South African asset classes, such as equities and fixed income instruments, offer attractive valuations and high yields.Diversification is important, and investors should consider allocating to emerging markets like Japan.A balanced and rational approach to investing, focusing on long-term goals, is crucial.Investments should be based on the mix of asset classes that align with individual investment needs.
Takeaways
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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.
Maximize the tax break for retirement fund contributions by contributing up to the maximum allowed amount.Avoid over-contributing to retirement funds and consider contributing to a tax-free savings account.Quitting a job to access retirement funds can lead to financial difficulties, so explore other options to pay off debts.Be patient with the limitations on investing in international investments through living annuities, as the cap may ease in the future.Maintain a balanced investment approach and consider maximizing tax reallocation.
Takeaways
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Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod
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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.
Interest rates are likely to come down in the US, and investors should prepare for different eventualities.Diversification across geographies and asset classes is important to mitigate risks and take advantage of opportunities.Global fixed income, which has been ignored for years, is now offering attractive returns.There are opportunities in stock markets outside of the US, especially in South African equities.Investors should consider the impact of interest rate cuts on different asset classes and adjust their allocations accordingly.
Takeaways
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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.
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 car repayment amount to build up savings can help with future car purchases.Financing cars at high interest rates is not advisable, except in rare cases of favorable finance deals.Being a shareholder rather than a client of financiers can be more beneficial in the long run.
Takeaways
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Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod
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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.
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 FOMO can lead to dissatisfaction. Focus on your own race and what truly makes you happy.Instead of pursuing a generalist degree like an MBA, consider taking specialized short courses to gain new skills and knowledge that align with your career goals.Stay curious and keep learning new skills to make yourself more valuable in the job market.
Takeaways
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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.
When saving and investing for adult family members, consider the level of control you want them to have over the money.Be aware of the potential tax implications, such as capital gains tax and donations tax.Options for saving and investing include setting up an investment in your own name or opening an endowment in the person's name.For a five-year or longer time horizon, consider investing in shares for potential growth.
Takeaways
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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.
Investors should consider having an allocation to emerging markets in addition to their local market investments.The All Country World Index provides exposure to both developed and emerging markets.Investors can also indirectly gain exposure to emerging markets through global portfolios that include multinational companies.The optimal allocation to emerging markets depends on individual risk tolerance and beliefs about their growth potential.Investors should be cautious about starting at the maximum allocation and consider rebalancing their portfolio if emerging markets perform well.Regulatory and geopolitical factors should be taken into account when making investment decisions.
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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.
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 different providers for medical aid and insurance.Consider life and disability insurance to protect your child in the event of your death or inability to work.Once insurance is in place, consider long-term retirement savings options like a retirement annuity and tax-free savings account.Ask friends and family to contribute to a tax-free savings account for your child as a gift.
Takeaways
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