Honest Money

Warren Ingram
  • 4.8 (178)
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Honest Money

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

  1. 1 DAY AGO

    DIY Investing vs. Financial Advisors: What’s Right for You?

    In this weeks episode, Warren Ingram and Pieter de Villiers explore the financial planning journey, when to manage your own money, when to work with a financial advisor, and how to know when it’s time to move on from an advisor who no longer serves your best interests. Key takeaways: The pros and cons of DIY investing vs. hiring a financial advisorSigns it’s time to consult a financial plannerWhen it’s better to fire your financial advisorWhy education, transparency, and respect matter in financial relationshipsHow to identify red flags in financial advisory servicesThe importance of self-awareness in financial decision-making Learn more about Prescient Investment Management here. Send us a text 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

    34 min

  2. 12 JUL

    Marriage in South Africa: The Contract That Could Make or Break Your Wealth!

    In this episode Warren Ingram and Pieter de Villers discuss the critical aspects of estate planning, particularly focusing on marriage contracts and their implications on financial planning. They explore the importance of understanding different types of marriage contracts, including those with and without accrual, and the community of property system. The conversation emphasizes the need for couples to have open discussions about their financial futures and the potential impacts of marriage on their wealth distribution, especially in the event of divorce or death.  Takeaways Marriage contracts are crucial for financial planning.Understanding the implications of marriage on wealth is essential.One spouse may deserve a greater share after divorce due to career sacrifices.Couples should view marriage as a partnership or team effort.Different marriage contracts have varying implications for asset distribution.The accrual system is often seen as the fairest option for couples.Community of property can expose spouses to financial risks.Legal advice is necessary when drafting marriage contracts.Transparency in financial discussions is vital for a healthy marriage.Couples should update their wills alongside marriage contracts. Learn more about 10X Investments today: https://bit.ly/4hiEscG Send us a text 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

    30 min

  3. 5 JUL

    Trusts 101 for South Africans: How the Wealthy Legally Protect Their Money in SA

    In today's episode Warren Ingram & Pieter de Villiers speak to the intricacies of trusts, exploring their significance in estate planning and wealth preservation, discussing the different types of trusts, including living and testamentary trusts, and the importance of asset management within these structures. They also highlight the tax implications and costs associated with setting up and maintaining trusts, as well as the role of trustees.  Takeaways Trusts serve as a foundation for financial security.The primary purpose of a trust is to facilitate the transfer of wealth across generations.Understanding the types of trusts is crucial for effective estate planning.Asset management is key to minimizing estate costs through trusts.Tax implications can significantly affect the benefits of trusts.Setting up a trust involves various costs that should be carefully considered.Offshore trusts can provide advantages in terms of tax and asset protection.The role of trustees is vital in managing trusts and ensuring compliance with legal requirements.Testamentary trusts are essential for parents to secure their children's financial future.Consulting a legal expert is necessary when establishing a trust to avoid pitfalls.  Learn more about Prescient Investment Management here. Send us a text 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

    28 min

  4. 28 JUN

    Planning for Peace: Smart Estate Strategies for Your Legacy

    In this episode, Warren Ingram and Pieter de Villiers discuss the complexities and costs associated with estate planning, understanding the importance of forward planning to minimize financial burdens on loved ones after death. They explore various strategies for efficient estate planning, including the role of retirement funds, the benefits of donations, and the implications of offshore assets.  Takeaways Understanding the costs involved in estate planning is crucial.Estate duty can significantly impact the value of an estate.Professional help is essential for effective estate planning.Retirement funds can be a tax-efficient way to pass on wealth.Donating to beneficiaries during your lifetime can reduce estate size.Life insurance policies can help avoid executor fees.Offshore assets require careful planning to avoid high taxes.Marital status affects estate planning strategies.Trusts can be beneficial but should not be solely for tax savings.Starting estate planning early can save time and money later. Learn more about 10X Investments today: https://bit.ly/4hiEscG Send us a text 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

    25 min

  5. 21 JUN

    Wills & Wishes: Why Estate Planning Can’t Wait

    In today's episode, Warren Ingram and Pieter de Villiers discuss the critical importance of estate planning, focusing on Wills.  Regardless of age or wealth, everyone needs a Will to ensure their wishes are honored after death. The conversation covers the consequences of not having a Will, the process of setting one up, appointing executors and guardians, and the necessity of reviewing and updating Wills regularly. They also touch on the complexities of foreign Wills for assets held outside of South Africa, highlighting the need for proper planning to avoid complications for loved ones left behind. Takeaways Everyone needs a will, regardless of age or wealth.Planning for death is a responsibility to your family.Without a will, your estate gets frozen.A well-structured will can prevent family disputes.Parents must have a will to protect their children.You can appoint an executor to manage your estate.Wills should be reviewed every few years.Pets should be included in your will.Foreign assets may require a separate will.It's essential to communicate your wishes clearly. Learn more about Prescient Investment Management here. Send us a text 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

    28 min

  6. 14 JUN

    Beyond Greenwashing: What Makes an Investment Strategy Truly Meaningful

    In this episode Warren Ingram invites Chris Rule, Head of Products and Client Solutions at CoreShares 10X, to discuss the evolving themes in the asset management industry, particularly focusing on the concept of investment solutions. They explore the distinction between genuine investment solutions and marketing jargon, the importance of goal-oriented investing, and the differences between alpha and beta investments.  Takeaways Investment themes evolve over time, some fade while others persist.Investment solutions should genuinely address specific financial goals.Greenwashing was a critique of marketing over substance in investments.Certainty in achieving financial goals is more important than chasing alpha.Not all funds marketed as solutions are truly designed to meet specific objectives.Understanding the difference between alpha and beta is crucial for investors.Investors should seek clarity in their financial objectives.The investment industry often uses jargon that can mislead investors.A focus on outcomes can lead to better investment decisions.Investors need to be aware of the risks associated with alpha chasing. Learn more about 10X Investments today: https://bit.ly/4hiEscG Send us a text 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

    24 min

  7. 7 JUN

    The Hidden Cost of ‘Free’: Understanding Investment Fees

    In this episode, Warren Ingram and Pieter de Villiers delve into the complexities of investment fees, discussing various types of fees including investment management fees, platform fees, and advisor fees. They speak to the importance of understanding these fees and their impact on long-term investment returns. The conversation also highlights the need for transparency in fee structures and the value that financial advisors can provide beyond just managing investments.  Takeaways Understanding investment fees is crucial for building wealth.There are various types of investment fees: management, platform, and advisor fees.Free services often come with hidden costs.Investment management fees can vary significantly based on fund type.Active management typically incurs higher fees than passive management.Platform fees can be structured as a percentage or fixed fee.Advisor fees should reflect the value provided to the client.Transparency in fee structures is essential for informed decision-making.High fees can erode investment returns over time.It's important to regularly review and understand your investment fees. Learn more about Prescient Investment Management here. Send us a text 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

    29 min

  8. 31 MAY

    Taming Uncertainty: The Power and Pitfalls of Diversification

    In this episode, Warren Ingram and Pieter de Villiers discuss the critical concept of diversification in investing. They explore its benefits, the risks of over-diversification, and strategies for effective asset allocation. They touch on the importance of balancing index and active management, simplifying investment strategies, and embracing uncertainty as a key component of successful investing. Takeaways Diversification is essential for long-term investment success.Over-diversification can lead to diluted returns.Invest across different asset classes, regions, and company sizes.Time diversification helps manage market volatility.Avoid chasing the latest investment trends to prevent losses.A balanced portfolio should include both index funds and active management.Simplicity in investment strategies often yields better results.Consolidating investments on fewer platforms can reduce complexity.Understanding market cycles is crucial for effective diversification.Diversification is a powerful tool against uncertainty in investing. Learn more about 10X Investments today: https://bit.ly/4hiEscG Send us a text 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

    27 min
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4.8
out of 5
178 Ratings

About

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

Information

  • Creator
    Warren Ingram
  • Years Active
    2020 - 2025
  • Episodes
    273
  • Rating
    Clean
  • Copyright
    © 2025 Honest Money
  • Show Website
    Honest Money

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