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  • Balancing Local & Global: A Guide to Diversified Investing Strategies for Young Investors
    2024/11/02

    In today's podcast, Warren Ingram answers your questions around importance of diversification in investing, particularly for young investors looking to build a global portfolio. Warren outlines strategies for offshore investment, including the use of feeder funds and the implications of currency exchange and capital gains tax. Warren also emphasizes the need for a balanced approach to investing, combining different vehicles such as unit trusts and exchange-traded funds, while also considering tax efficiency and growth potential.


    Takeaways

    • Diversification is crucial for long-term investment success.
    • Investing a portion of your money overseas is essential.
    • Feeder funds can simplify the process of offshore investing.
    • Understanding tax implications is key to effective investing.
    • Investing in index funds can reduce risk and increase returns.
    • Start with foundational investments before considering individual shares.
    • Monitor currency impacts on your investments.
    • Utilize tax-free allowances to maximize growth.
    • Plan your investments to minimize capital gains tax exposure.
    • Maintain a balance between local and global investments.


    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

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    16 分
  • Simplify and Save: Lowering Fees Through Investment Consolidation
    2024/10/26

    In todays episode Warren Ingram discusses the complexities of investment fees, the importance of selecting the right funds, and how to evaluate the value of financial advisors. He emphasizes the need for transparency in fees, the significance of diversification, and the role of good advisors in making informed investment decisions.

    Takeaways

    • High investment product fees can be considered immoral.
    • Consolidating investments can lead to lower fees and simpler management.
    • Diversification in a small market like South Africa may not be effective.
    • Good financial advisors can add significant value to your investment strategy.
    • Performance fees should only be charged when funds perform well.
    • Understanding the components of investment fees is crucial for investors.
    • Investors should question their advisors about fund selections and fees.
    • A certified financial planner is a key qualification to look for in an advisor.
    • Transparency in fee structures is essential for trust in advisor relationships.
    • Total investment costs should ideally be below 2.5% for good service.


    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

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    19 分
  • Earning Dollars & Investing Smart: All Country World Index vs. MSCI World Index Explained
    2024/10/19

    In today's episode Warren Ingram answers your questions about the principle of earning dollars and where to invest the money. Warren speaks to keeping investments in the currency in which they were earned to avoid conversion costs, the importance of diversification and the All Country World Index versus the MSCI World Index.


    Takeaways

    • Keep investments in the currency in which they were earned to avoid conversion costs.
    • Diversify investments and avoid solely focusing on the American market.
    • Consider investing in the All Country World Index for global exposure.
    • Choose a low-cost global platform for investing.
    • Consider adding the top 40 index for a diversified portfolio.


    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

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    11 分
  • Wholesale vs. Retail: Navigating Car Pricing Like a Pro
    2024/10/12

    In today's episode, Warren Ingram and Colin Morgan, Co-founder at getWorth, discuss the financial implications of buying cars, focusing on the benefits of purchasing used cars over new ones. They explore the concept of car depreciation, the ideal age for buying a vehicle, and the importance of understanding the wholesale and retail pricing dynamics in the car market.

    Takeaways

    • Cars are a passion for many, but financial sense is crucial.
    • Used cars generally offer better value than new cars.
    • Depreciation is steepest in the first year of ownership.
    • The ideal time to buy a car is between five to ten years old.
    • Mileage is often more important than age when buying a used car.
    • Buying at wholesale and selling at retail is the goal for car buyers.
    • Keep a car until it becomes unreliable or too costly to maintain.
    • Understanding the car market can lead to better purchasing decisions.
    • Emotional decisions can lead to poor financial outcomes in car buying.
    • Choosing the right time to buy or sell a car can save money.



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    Phronesis: Practical Wisdom for Leaders with Scott Allen

    Phronesis: Practical Wisdom for Leaders offers a smart, fast-paced discussion on all...

    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

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    29 分
  • Beyond the Stock Exchange: Exploring Private Debt Opportunities
    2024/10/05

    In today's episode, Warren Ingram and Conway Williams, Head Of Credit at Prescient, discuss the often-overlooked realms of private debt, particularly in the South African context. They explore the definitions, differences, and investment strategies associated with these asset classes, emphasizing the importance of understanding liquidity, risk, and diversification. The discussion also highlights the potential for impact investing through private debt, showcasing how investments can contribute to economic and social development while still providing competitive returns.

    Takeaways

    • Private debt provides lending opportunities with a focus on capital preservation.
    • Investors in private debt sacrifice high returns for lower risk and priority in liquidation.
    • Liquidity is a key consideration in both private equity and private debt investments.
    • Private debt can offer returns above traditional fixed deposits, typically between 3-6% above call rates.
    • Investing in private debt involves understanding the risks and potential credit events.
    • Diversification is crucial to mitigate risks in private debt portfolios.
    • Private debt can fund impactful projects like renewable energy and infrastructure.
    • Investors should not allocate all their funds to private debt; a balanced portfolio is essential.
    • Access to private debt investments can be achieved through specialized funds.


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

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    Phronesis: Practical Wisdom for Leaders with Scott Allen

    Phronesis: Practical Wisdom for Leaders offers a smart, fast-paced discussion on all...

    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

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    25 分
  • Understanding Preference Shares: Are They Still Worth It?
    2024/09/28

    In today's episode, Warren Ingram answers your questions about preference shares, explaining how they work and why their popularity has waned among private investors. He discusses their volatility due to interest rate fluctuations and suggests RSA retail bonds as a more stable alternative. Warren also touches on stock exchange platforms like Altex, which has faced challenges, and A2X, which is geared more toward institutional investors.

    Takeaways

    • Preference shares are a form of investment where individuals lend money to a company in exchange for a fixed dividend payment.
    • The price of preference shares is influenced by the interest rate environment, making them volatile.
    • RSA retail bonds may be a better option for stability and certainty.
    • Altex has struggled due to economic downturns and compliance issues.
    • A2X is designed for institutional investors and not for private investors.


    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

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    9 分
  • Investing in Precious Metals: Is Silver the Right Choice for You?
    2024/09/21

    Today Warren Ingram speaks about investing in silver, the risks involved, holding gold or silver for long periods of time and other investment opportunities, like the exchange-traded funds (ETFs) that track the value of gold or silver.


    Takeaways

    • Investing in silver is similar to investing in gold, as both are commodities that don't generate any income.
    • People buy precious metals like gold and silver when they're worried about the future or inflation.
    • Holding gold or silver for long periods of time can result in losses.
    • Silver is cheaper than gold and has more industrial uses, but if safety is the goal, gold is the preferred option.
    • Investing in exchange-traded funds (ETFs) that track the value of gold or silver is an alternative to buying physical metals.
    • Wealthy individuals often hold a small percentage of their assets in commodities as insurance against unforeseen events.
    • For most investors, it's better to focus on buying companies and equity funds that generate growth and dividends.


    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

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    7 分
  • Decoding Fund Manager Fees: How to Maximize Your Investment Returns
    2024/09/14

    In this episode, Warren Ingram answers your questions about fund manager fees and the impact on investor profits. Warren speaks to investing in retirement annuities provided by unit trust companies, admin and platform fees, as well as the importance of understanding investment costs to ensure you're not overpaying.

    Takeaways

    • When investing in retirement annuities, it's important to consider admin fees or platform fees charged by unit trust companies.
    • Consolidating investments on one platform can help reduce fees.
    • Insurance company platforms often have higher fees and lack transparency.
    • Understanding investment costs is crucial to avoid overpaying.
    • For monthly investments, market timing is less important, and investors should focus on choosing the right investments and giving them time to grow.
    • For lump sum investments, it's better to do larger transactions to minimize transaction fees.
    • Having a fixed investment program and not worrying about short-term market fluctuations is key to long-term growth.


    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

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    13 分