Honest Money

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

  1. há 16 h

    The Retirement Annuity Myth That's Costing You Wealth

    In this episode, Warren Ingram and Pieter de Villiers discuss the nuances of retirement planning, the role of retirement annuities, and how to make informed investment decisions in a changing regulatory landscape. Chapters 00:00 Introduction to Retirement Planning and Common Questions00:27 Guest Introduction and Main Question on Retirement Annuities00:53 Analysis of Retirement Savings and Withdrawal Strategies01:19 The Cost and Fees of Retirement Annuities Today02:19 Investment Choices and Regulation 28 Changes04:01 Tax Benefits and Flexibility of Retirement Funds06:04 Comparing RA and Discretionary Investments Long-term Performance07:21 Tax Implications of Different Investment Vehicles08:39 Risks of Government Regulation and Prescribed Assets10:09 Post-apartheid Changes in Retirement Fund Regulations11:25 The Flexibility of Living Annuities and Asset Allocation13:10 Balancing Retirement and Discretionary Investments14:43 The Importance of Diversification and Multiple Investment Vehicles16:37 Practical Considerations for Dying and Inheritance17:25 The Benefits of Nomination and Fast Access to Funds18:20 Avoiding Strong Opinions and Embracing Evolving Products19:09 The Role of Content and Personal Filtering in Investment Decisions20:12 The Value of a Balanced, Multi-vehicle Investment Approach21:04 Closing Remarks and Audience Engagement Learn more about Prescient Investment Management here. Send us Fan Mail 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

  2. há 3 dias

    Trusts Uncovered: When and Why to Use Them

    In this episode, Pieter de Villiers and Eben Nel, FISA Councillor and Fiduciary Adviser at PSG Wealth, discuss the complexities of estate planning through trusts, including when they make sense, their benefits, and legal considerations. Learn how trusts can protect wealth, facilitate long-term planning, and the importance of proper setup and management. Chapters 00:00 Introduction to Trusts and Estate Planning01:11 Understanding the Purpose of Trusts05:25 When to Consider a Trust08:32 Evaluating Wealth and Trust Necessity10:27 The Role of Testamentary Trusts11:24 Legal Implications of Trust Control18:06 Managing Dormant Trusts and Responsibilities Learn more about how FISA can help you here.  Send us Fan Mail 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

  3. 15 de ago.

    The 3 Taxes Quietly Eating Your Investment Returns

    In this episode, Warren Ingram and Pieter de Villiers explore the complexities of investment taxes, including income tax, dividends tax, and capital gains tax, and how they impact your investment returns over time. Our experts clarify common misconceptions and provide practical insights on managing tax efficiently in your investment strategy. Chapters 00:00 Introduction to Investment Taxes and Their Importance 02:16 Practical Overview of How Taxes Work on Shares 05:02 Income Tax and Its Impact on Investments 06:21 Comparison of Different Tax Types on Investment Returns 07:09 Additional Taxes and Indirect Tax Considerations 08:58 Investment Strategy: Growth First, Tax Second 10:14 The Cost of Paying Excessive Tax on Interest 12:04 Retirement and De-Risking Investment Portfolios 13:24 Asset Allocation and Tax-Efficient Investing 14:23 Conclusion and Key Takeaways on Investment Taxes Learn more about how Curate Investments can help you here. Send us Fan Mail 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

  4. 12 de ago.

    Avoid These Estate Planning Errors

    In this episode, Pieter de Villiers and Ricky Opperman Knipe, Director of Marketing and Communications at Sentinel International Group, and Counselor of FISA, discuss the critical importance of wills, common mistakes, and how to properly plan for estate succession, especially for parents and business owners. Chapters 00:00 Introduction to estate planning and the importance of wills00:29 Why a will is one of the most important documents in your life02:15 Consequences of passing away without a will04:37 Handling estate assets for parents with minor children05:57 What happens to business shares without a will09:19 Legal requirements for a valid will in South Africa13:07 Common mistakes in drafting a will and how to avoid them17:46 Dealing with offshore assets and international estates26:30 When and how to review and update your will34:03 Managing crypto assets and digital inheritance36:37 Best practices for storing and safeguarding your will Learn more about how FISA can help you here.  Send us Fan Mail 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

  5. 8 de ago.

    From London to the World: A Journey of Financial Freedom

    In this episode, Warren Ingram invites Robert Edwards to speak about his inspiring journey from a successful career in London to traveling the world and writing his book 'Quit, Travel, Grow.' Discover insights on financial independence, intentional living, and the transformative power of travel. Chapters 0:00 Meet Robert Edwards and his unusual career path1:37 Why Robert wrote Quit, Travel, Grow2:56 Financial discipline and the power of being intentional4:05 London life, lifestyle trade-offs, and the real cost of earning more6:57 The mid-30s plateau and the urge for change8:25 How a quick decision became a 12-month travel journey9:18 Why Robert chose countries off the usual travel path10:17 Money, culture, and what people want everywhere11:59 Getting mugged in Colombia and what it taught him13:26 Why perspective matters when comparing South Africa to the world16:09 Ending the trip and coming home after a year away17:19 Best-value destinations for South Africans to travel to22:10 What financial freedom really means24:01 The lesson Robert would teach his 21-year-old self25:56 Final thoughts and book title reveal Want a copy of Robert's book? Find a physical copy here or the ebook version here. Learn more about Prescient Investment Management here. Send us Fan Mail 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

  6. 5 de ago.

    Estate Planning Made Simple: Protect Your Legacy

    In this episode, Pieter de Villiers and guest speaker Angélique Krügel, FISA counselor and director of Wealth and Legacy Group, break down estate planning into simple terms, explaining its importance, process, and common pitfalls. Perfect for anyone looking to understand how to protect their assets and ensure their wishes are honored after passing. Chapters 00:00 Introduction to estate planning and guest introduction01:10 What is estate planning? Simplified explanation02:23 Why estate planning is often overlooked02:54 What happens when you pass away? The estate process03:47 Assets involved in estate planning: property, aircraft, and financial products05:46 The relationship between wills and estate planning07:07 Nomination of beneficiaries and the role of trustees07:59 Liquidity issues in estate management09:19 Tax implications: estate duty, capital gains tax, and transfer costs10:50 Handling estate liquidity shortfalls and asset liquidation12:21 Legal considerations for guardians and minors14:24 The importance of updating estate plans regularly15:26 Dealing with debt and insolvency in estate planning16:18 Loans, trusts, and asset transfers in estate planning18:01 International assets and cross-jurisdiction estate planning22:38 Common mistakes in estate planning and how to prevent them23:53 The importance of professional guidance and early planning25:21 Final thoughts: estate planning for everyone Learn more about how FISA can help you here.  Send us Fan Mail 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

  7. 1 de ago.

    How to Know When You Need a Financial Advisor

    In this episode, Warren Ingram and Pieter de Villiers discuss when and why to seek professional financial advice, the different types of engagement with financial planners, and how to determine the right approach for your life stage and personality. Chapters 00:00 Introduction and overview of questions about financial advice00:28 The importance of understanding your own financial personality02:06 When does it make sense to seek professional financial help?03:18 The three broad personality groups: DIYers, delegators, and validators04:44 The control and control aversion in financial decision-making07:28 The value of financial literacy and continuous learning11:47 Life stages and their impact on financial planning needs14:34 Different ways to engage with a financial planner17:18 The importance of accountability and external perspectives20:50 The risks of overconfidence and blind trust in financial decisions23:47 The analogy of medical advice and the importance of professional guidance25:40 How to choose the right financial advisor and engagement model27:04 Closing remarks and encouragement to ask questions Learn more about how Curate Investments can help you here. Send us Fan Mail 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

  8. 29 de jul.

    Why Most South Africans Get Estate Planning Wrong

    In this episode, Warren Ingram invites Jan du Plessis, CEO of the Fiduciary Institute of Southern Africa (FISA), to do a series on the importance of estate planning for all South Africans. They discuss common pitfalls, legal requirements, and practical tips to ensure your estate is in order and your loved ones are protected. Chapters 00:00 Why Estate Planning Matters for Everyone 02:01 The Most Common Estate Planning Mistakes 04:25 Why Wills Need Regular Updates 07:58 Guardianship, Children, and Trusts 12:07 Divorce and Invalid Wills 13:21 What Makes a Will Legally Valid 16:04 Undue Influence and Inheritance Disputes 20:49 Why Fiduciary Professionals Matter 23:35 Final Advice: Don’t Leave It to Chance Learn more about how FISA can help you here.  Send us Fan Mail 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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Sobre

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

Informações

  • Criado por
    Warren Ingram
  • Anos de atividade
    2020 - 2026
  • Episódios
    339
  • Classificação
    Livre
  • Copyright
    © 2026 Honest Money
  • Site do podcast
    Honest Money

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