Honest Money Warren Ingram

Join Warren Ingram and Romelon Chetty, a quantitative analyst at Prescient, as we explore the world of index investing, from the Dow Jones to the JSE Top 40. We'll delve into how these indices shape market performance and fund management, and the crucial role of discipline and delayed gratification in personal finance. Get ready for insightful revelations that connect the dots between global financial trends and individual decision-making.

Topics/ Questions:
Exploring the history and impact of index investing.Deep dive into indices: From Dow Jones to JSE Top 40 Index.Understanding the role of indices in market assessment and fund management.Beyond the numbers: Personal finance and decision-making insights.The interplay of discipline and regret in financial choices.Romelon Chetty's take on the power of delayed gratification in finance.Analyzing the South African market and global financial trends.Linking financial knowledge with personal discipline strategies.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

In this episode of Honest Money, Warren Ingram delves into the often-confusing world of Unit Trust Fees and Administration Costs. Warren clarifies the differences between Total Investment Charge (TIC) and Administration Fees, and their impact on your investments, the merits of using a separate money market account versus an income fund for managing fees, and dissect the various elements of TIC.

Questions/ Topics: 
Demystifying Unit Trust Fees and Administration Costs.Understanding Total Investment Charge (TIC) vs. Administration Fees.Exploring the impact of fees on your investment journey.Debating the benefits of a separate money market account for fee management.Introducing income funds as a stable alternative.Breaking down the components of TIC, including performance fees.The critical role of choosing a good investment administrator.Risks of poor administration: tax errors and source charges.Considering direct investment in unit trusts and its administrative challenges.Practical tips for navigating investment costs effectively.

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

Tune in as Warren Ingram,  Sajjaad Ahmed and Conway Williams from Prescient Investment Management, reveal the intricacies of debt markets and the pivotal role of analysts. Discover the synergy between fixed interest investments and equities, strategies for portfolio diversification, and tips for optimizing returns. 
Delving into the less-publicized yet vast world of debt markets.Looking at why debt markets get less media spotlight compared to stock markets.Unpacking the critical role of quantitative analysts in mining data for investment signals.Deep dive into the significance of debt instruments from governments and corporations in the financial ecosystem.Exploring the symbiotic relationship between fixed interest investments and traditional assets like stocks.Strategies for portfolio diversification: How fixed interest investments can stabilize your journey to retirement.Discussing the advanced tactics of leveraging credit and credit spreads to potentially enhance returns.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

In today's episode Warren Ingram and Reza Ismail, Head of Bonds at Prescient , unravel the complexities of global bond markets and South Africa's fiscal landscape. We'll dissect the country's debt handling post-budget, the challenges facing its bond market, and the broader implications of U.S. monetary policy.
Analyzing South Africa's debt capacity post-medium-term budget.Understanding bonds' role between cash and equity investments.Investigating the decline in international interest in South African bonds.Challenges in the South African bond market: fiscal deficit and load shedding.Impact of U.S. interest rates on global investments and price stability.Dissecting South Africa's interim budget and signals for the full-year budget.Examining fiscal restraint and economic growth in budget planning.Scrutinizing the October and February budgets and the need for spending discipline.Consequences of political influence on the Reserve Bank's independence.Discussing the importance of independent institutions and strategic policy for economic stability.

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

In today's Q&A session, Warren Ingram tackles the pressing issue of debt management,  the importance of an emergency fund, the benefits and limitations of money market and 32-day notice accounts, and how a blended approach to saving can offer both security and growth. 


Addressing the stress of debt management.Strategies for loan restructuring and debt consolidation.The risks of undisciplined spending post-consolidation.The potential pitfalls of accumulating more debt.Importance of an emergency fund for financial crises.Exploring money market accounts as a safety net option.The drawbacks of exclusively using a 32-day notice account.A blended savings approach: money market and 32-day notice accounts.Quick access vs. higher interest rates: finding the balance.Practical tips for taking control of your financial future.

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

Dive into the world of high inflation and interest rates with Warren Ingram and Bastian Teichgreeber, Chief Investment Officer at Pressient Investment Management.  Gain insights on potential positive developments in interest rates, the South African economy, and the cruciality of a long-term investment outlook. Don’t miss this episode filled with expert insights for navigating today’s complex economic environment.

Questions/ Topics: 
Navigating high inflation and interest rates.Understanding unique economic landscapes across different countries.Dissecting the dynamics between structural and cyclical interest rates.Deep dive into the US economy and future of interest rates.Shifting focus to central banking: debate, criticism, and underestimated inflation.Exploring 'soft landing' and its implications for growth asset investors.Analyzing future prospects: interest rates, inflation, and the South African economy.Benefits for mortgage holders and the importance of a long-term investment outlook.Equiping yourself with insights into the complex world of interest rates and the economy.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