Honest Money

In this episode, Warren Ingram and Pieter de Villiers discuss managing financial relationships, debt, and planning for education savings, emphasizing open communication and strategic planning.

Chapters
00:00 Introduction to the episode and guest
00:26 Question from listener about partner debt and savings
02:10 The importance of self-care and financial boundaries
03:59 Managing relationship dynamics and money personalities
07:36 The role of open communication and professional help
08:45 Building shared financial goals and avoiding resentment
11:34 Strategies for saving for children's education
13:29 Paying off mortgage as a financial anchor
15:41 Investment vehicles for education savings
18:21 The importance of discipline and avoiding costly policies
20:07 Conclusion and encouragement for ongoing dialogue

Learn more about Prescient Investment Management here.
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Leadership Lessons From The Great Books
Understanding great literature is better than trying to read and understand (yet)...
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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 bonus episode, Warren Ingram and Ray Mhere, CEO of Curate Investments, explore the intricacies of investment diversification, asset allocation, and long-term financial planning. They share practical insights on building resilient portfolios, avoiding common pitfalls, and educating the next generation about wealth management.

Chapters
00:00 Introduction to Diversification
01:31 Understanding True Diversification
05:15 Types of Diversification
10:06 The Role of Balanced Funds
14:41 Monitoring and Adjusting Your Portfolio
18:08 Building a Diversified Portfolio
22:00 Long-Term Investment Strategies for Children
26:52 Final Thoughts on Early Investment

Learn more about how Curate Investments can help you here.
Send us Fan Mail
Leadership Lessons From The Great Books
Understanding great literature is better than trying to read and understand (yet)...
Listen on: Apple Podcasts Spotify
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 answer your questions about tax-free savings accounts, including setup for children, investment switching, and transfer rules, providing practical insights to maximize benefits.

Chapters
00:00 Introduction to tax-free savings questions
02:09 Setting up a tax-free account for a child
04:03 Contributions and donations tax considerations
06:25 Switching investments within a tax-free account
08:09 Transferring and consolidating accounts
09:02 Implications of switching ETFs and funds
10:49 How to transfer funds between providers
12:03 Encouragement for questions and future topics

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 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.
Send us Fan Mail
Leadership Lessons From The Great Books
Understanding great literature is better than trying to read and understand (yet)...
Listen on: Apple Podcasts Spotify
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 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
Leadership Lessons From The Great Books
Understanding great literature is better than trying to read and understand (yet)...
Listen on: Apple Podcasts Spotify
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