Honest Money

In this episode, Warren Ingram and Pieter de Villiers break down one of the most confusing parts of investing: total fees. They explain how to understand the full cost of investing through effective annual cost, including investment management fees, platform/admin fees, and advisor fees.
Chapters
00:00: Introduction to the fee question
01:55 :What effective annual cost means
02:24: Investment management fees: active vs passive
05:04: Performance fees and realistic fund fee ranges
07:11: How to compare fund performance fairly
09:03: Admin fees and platform types
10:01: LISPs vs brokerage platforms
12:53: Why index trusts can be cheaper than brokerages
14:42: Service quality, tax reporting, and hidden costs
17:04: Advisor fees and compensation models
18:21: Why commission-based advice is problematic
19:17: Flat fees, hourly fees, and ongoing retainers
24:06: Why an advisor can add value beyond picking funds
26:28: Practical fee ranges for total costs
28:24: Final takeaway: price vs value

Learn more about Prescient Investment Management here.
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In this episode, Warren Ingram and Pieter de Villiers discuss offshore investing strategies, building financial literacy, and helping others with savings and retirement planning. They explore practical tips for long-term wealth building and the importance of financial education.

Chapters
00:00 Introduction and episode overview
00:25 The importance of offshore investment domicile
02:52 Choosing the right jurisdiction for offshore ETFs
04:38 Mechanics of currency conversion and transaction costs
06:28 Long-term investment strategies and asset allocation
08:44 Risks of individual stocks vs. index funds
10:11 Timing and market considerations for offshore investing
11:33 Helping others build financial literacy and savings
13:58 Starting conversations about financial goals
15:53 The ripple effect of financial education
17:29 Practical tips for small investors
21:21 Closing remarks and engagement encouragement

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

In this episode, Warren Ingram and Pieter de Villiers discuss strategic investment choices, tax-efficient savings, and financial planning for expatriates and young investors. The conversation covers diversified ETFs, tax-free accounts, and offshore investments, providing practical advice for long-term wealth building.

Chapters: 
00:00 Introduction and Episode Purpose
00:24 Listener Questions and Engagement
01:12 Investing in MSCI ACWI ETF for Long-Term Growth
02:05 Maximizing Tax-Free Savings and Contribution Limits
02:47 Choosing the Right Diversified ETF for Retirement
05:44 Funding Education with Tax-Free Accounts
07:23 Managing Investment Risks for Short and Long Term
09:37 Teaching Kids Financial Literacy and Involving Them in Investments
10:28 Expat Investing: Tax and Currency Considerations
13:17 Importance of Tax Planning for International Investors
14:34 Understanding MSCI All Country World Index (ACWI) and JSE
16:18 US Domicile ETFs and Tax Implications
17:41 Asset Allocation and Global Diversification Strategies
18:39 Retirement Contributions and Offshore Income
20:00 Managing Offshore Investments and Tax Laws
21:50 Final Advice and Encouragement for Investors

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

In this episode, Warren Ingram and Pieter de Villiers cover investing in precious metals like gold and silver, and managing car loans effectively. Experts share insights on diversification, the role of commodities in portfolios, and practical advice on vehicle ownership and debt management in this Q&A.

Chapters
00:00 Introduction and Audience Engagement
00:22 Questions from the Audience on Precious Metals
02:15 Investing in Gold and Silver: Perspectives and Strategies
03:40 The Wealthy Families' Approach to Precious Metals
05:28 Gold and Silver: Hedge Against Fear and Inflation
07:21 ETFs vs Physical Assets: Pros and Cons
08:44 Diversification Limits and Market Exposure
10:34 Simplifying Portfolio Management and Avoiding Overengineering
11:34 Doomsday Preppers and Asset Choices
13:07 Audience Question on Car Loan Management
15:21 Strategies for Managing Car Ownership and Loans
22:48 Cost-effective Car Ownership and Maintenance Tips
25:42 Final Thoughts and Audience Engagement

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

In this episode, Warren Ingram and Ruphert Hare explore the impact of artificial intelligence on various industries, emphasizing its current applications, future potential, and the importance of staying updated. Rupert from Prestient Investment Management shares insights on AI integration, misconceptions, and the evolving job landscape.

Chapters
00:00 Introduction to AI in Financial Services
02:47 The Evolution of AI and Its Impact
05:14 Job Displacement and Economic Growth
07:50 The Role of Human Touch in AI
10:49 Future-Proofing Careers in an AI World
13:21 The Rise of Craftsmanship and Niche Skills
15:56 Democratization of Skills and Services
18:50 The Future of Financial Planning
21:17 Conclusion and Final Thoughts

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