Honest Money Warren Ingram

In today's episode Warren Ingram answers your questions about retirement annuities (RA) or a tax-free savings accounts (TFSA). Warren discusses the benefits of a TFSA including tax-free growth, RA offers a tax deduction on contributions, how Regulation 28 governs the maximums in retirement funds, and that decisions should consider both time horizon and psychological tolerance for risk and offshore allocations.TakeawaysConsider both time horizon and psychological tolerance for risk when ...

In today's podcast Warren Ingram and Anton Eser, Chief Investment Officer at 10X Investments, delve into the US bond market, its significance, and the challenges it faces. They explore the relationship between the US bond market and global financial assets, as well as the impact of geopolitical and fiscal factors on the market. TakeawaysThe US bond market is a critical component of the global financial system, influencing various financial assets worldwide.Geopolitical and fiscal factor...

On today's episode Warren Ingram teaches us how to strategically phase in your investments, minimize fees, and maximize interest earned. Warren also answers your questions on using an access bond as an emergency fund for guaranteed, tax-free returns at high interest rates. TakeawaysStrategically phasing in investments to avoid unnecessary feesManaging transaction costs effectivelyHow to maximize interest earned during the phase-in periodHow to minimize transfer fees (fixed and percentag...

In this episode Warren Ingram delves into the retirement fund reform, which introduces a two-pot system to lower the tax burden when cashing in provident funds upon resignation. It segregates funds into a compulsory portion, locked until retirement, and a savings pot accessible during emergencies. While the reform doesn't alter the investment strategy, it modifies fund accessibility. TakeawaysThe retirement fund reform aims to address the issue of high taxes when cashing in a provident fund.T...

In this episode, Warren Ingram explores the topic of prescribed assets and their potential effects on retirement funds. He delves into their historical context during the apartheid era and clarifies that the ANC's manifesto is distinct from official policy, recommending that investors hold off on modifying their retirement strategies until concrete government policies are announced.TakeawaysPrescribed assets refer to the concept of forcing retirement funds to invest in specific government bon...

Warren Ingram and Chris Rule dive into the world of exchange-traded funds (ETFs), exploring their transformation from simple index trackers to actively managed portfolios. They break down the benefits of using ETFs for diversified investing, discuss the differences between active and passive ETF strategies, and highlight key considerations like costs and transparency. TakeawaysETFs allow investors to access a diversified basket of shares or bonds through a single investment on their stockbrok...