In today's episode Warren Ingram invites Henk Kotze, Head of Cash & Income at Prescient to discuss global inflation, interest rates, and their impact on investors. Warren & Henk speak to the fact that inflation is decreasing, and interest rates are expected to follow, with the US economy still growing at a slower pace, with no immediate risk of recession. Warren and Henk also touch on opportunities in emerging markets and global income assets, the expansion of global ETFs in South Africa and more.

Takeaways

• Inflation is starting to come down globally, and interest rates are expected to follow suit.
• The US economy is still growing, although at a slower pace, and a recession is not imminent.
• As interest rates decrease, there are opportunities for investors to find houses for their capital, with emerging markets and global income assets being attractive options.
• The availability of global ETFs in South Africa has expanded, providing more opportunities for investors.
• Diversification across asset classes and geographies is a key strategy for investors.

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In this episode, Warren Ingram answers your questions about retirement expenses and taxes, as well as the financial consequences of immigrating and investing in foreign stock markets. He also highlights the importance of budgeting for increasing medical aid costs in retirement & gives advice around financial immigration and tax implications.

Takeaways

• Retirement expenses don't change significantly from the last years of work to the first years of retirement, except for the cessation of saving and potential changes in supporting children financially.
• Budget for increasing medical aid costs in retirement, as they tend to grow faster than the cost of living.
• Be cautious about formal financial immigration, as it can have significant tax implications. Test drive living in another country before making a permanent move.
• Invest in global investments through South African fund managers to avoid double taxation and have flexibility in accessing funds based on your residency.

Get more insight on how Prescient Investment Management can help you here.

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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 todays episode, Warren Ingram and Rupert Hare, Head of Multi-Asset at Prescient, discuss the investment opportunities in South Africa and around the world. They highlight the potential for good returns in South African asset classes, such as equities and fixed income instruments, due to attractive valuations and high yields. They also discuss the importance of diversification and the potential for growth in emerging markets like Japan.

Takeaways

• South African asset classes, such as equities and fixed income instruments, offer attractive valuations and high yields.
• Diversification is important, and investors should consider allocating to emerging markets like Japan.
• A balanced and rational approach to investing, focusing on long-term goals, is crucial.
• Investments should be based on the mix of asset classes that align with individual investment needs.

Get more insight on how Prescient Investment Management can help you 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