Honest Money Warren Ingram

In this week's episode, Warren Ingram answers your questions about ETFs, whether it's better to withdraw your dividends or reinvest, as well as questions about tax savings on RA/ pension funds if you immigrate.

Questions/ Topics:
My question is about ETFs that payout dividends versus ETFs that reinvest the dividends. Can you please discuss the pros and the cons of each if faced between two ETFs, let's take the MSCI World distributing or the MSCI world accumulating which one is better? And should the decision of which one you select be influenced by perhaps your age, is it suitable for youngsters or more suitable for retired/ unemployed people who want a regular income? My question is regarding tax on one's RA/ pension upon immigration versus the tax savings that one gets from SARS for contributing to your RA/ pension. Is it fair to say that the tax that you pay when you immigrate is equivalent to the tax savings you have enjoyed from SARS?  Or is the tax on immigration greater than the savings you've enjoyed from SARS for contributing to regulation 28? Or is the reverse true, do you actually save more by contributing to RA/ pension? 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 invites Bastian Teichgreeber, Chief Investment Officer at Prescient, to discuss how the global interest rate and inflation increase affects the international and South African market. 


Inflation and interest rates are interconnected and significantly impact the economy.Inflation rates have been rising globally due to supply chain disruptions and increased demand.Central banks raise interest rates in response to inflation, which can affect borrowing costs and investment decisions.Bond prices and yields are affected by changes in interest rates, which can impact bond markets and investors.Stock market valuations can be affected by inflation and interest rates.Global economic developments, such as US interest rate policy, China's economic policies, and geopolitical events, can impact inflation rates.South Africa's economy is vulnerable to global economic trends, and the South African Reserve Bank's policy decisions can impact the country's inflation and interest rates.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

This podcast episode delves into the topic of technology in finance, exploring its growing usage and impact on the industry. Warren Ingram covers Robo advisors, financial literacy tools, and privacy concerns with guest speaker Money Marx, Pieter de Villers. 
Topic/ Questions: 
Exploration of the intersection of AI and finance, discussing the latest trends and developments in the fieldStatistics around the usage of AI in finance, highlighting the increasing adoption of this technology across the industryChatGPT & how AI is transforming the finance sectorThe role of Robo advisors within fintech companies, and how they are changing the landscape of financial services We also explore how AI tools and recommendations are helping to improve financial literacy, making it easier for people to manage their money and make informed decisionsThe relationship between financial planners and Robo advisors, examining the ways in which these two types of professionals can workPrivacy concerns around the collection of data, and the potential risks associated with web 3.0 and cyber security threatsHow financial literacy can help people protect themselves from fraud

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, discuss the South African Budget Speech 2023/2024. They touch on inflation, tax rebates, the analysis of small emerging markets, energy crisis rebates, tax buoyancy, risk aversion, and what this all means for the South African taxpayer & business owners. 
Questions/ Topics: 
Introduction to the South African Budget Speech 2023/2024 Explanation of Aggregate Demand and how it impacts the South African economyOverview of GDP growth in South Africa and what the projected numbers are for the coming yearDiscussion of inflation and how it affects the purchasing power of South African citizensAnalysis of how small emerging markets like South Africa are affected by volatility and risk aversion in the global economyExplanation of what the Medium-Term Budget Policy Statement is and its significance in relation to the Budget SpeechExamination of tax buoyancy and what it means for South African taxpayersDiscussion of tax rebates in relation to the current energy crisis in South Africa and how they may help alleviate some of the financial burden on citizens and businessesExplanation of any changes to tax rates that were announced in the Budget SpeechAnalysis of how corruption and mismanagement have impacted South Africa's economy and what measures are being taken to address these issuesFinal thoughts on the Budget Speech 2023/2024 and its implications for the future of South Africa's economyHave 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

Today we invite the wonderful Nozi Van Heerden to speak more on Investing Strategies for Millennials. Warren Ingram & Nozi Van Heerden speak about the emotional commitment to investing and saving, finding a finance buddy and other tips on how to reach your financial goals. 

Questions/ Topics: 
 What are some common investing mistakes that millennials should avoid, and how can they mitigate those risks?How can millennials balance investing for their long-term goals, such as retirement, with their shorter-term goals, such as saving for a down payment on a house or paying off student loans?What are some of the best investment vehicles for millennials, such as index funds?What role should financial advisors play in a millennial's investment strategy, and how can millennials find a trustworthy and effective advisor?

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 invites Gabriel Botha, Business Development Manager at Prescient, to discuss the complex details of Tax-Free Savings Accounts and how they can benefit you from tax rebates, dividends, the limitations, and how TFSA & pension fund withdrawals work. 
Questions/ Topics: 
Tax-Free Savings Accounts (TFSAs) & what they offer TFSA withdrawalsTFSA contributionsTFSA investments: dividend-paying stocks and money market accounts.Limitations within TFSAs: annual contribution limits and restrictions on certain types of investments.Combining TFSAs and RRSPs: more on retirement investing.How interest rates can affect the returns of TFSA investmentsTSFA investing strategies/ suggestionsOverall benefits of a TFSA 

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