Honest Money

In this episode, Warren Ingram and Pieter de Villiers explore investment strategies for medium-term goals like funding a child's education, discussing risk management, expected returns, and suitable investment vehicles.

Chapters

• 00:00 Introduction to investment planning for education
• 02:05 Difference between information and advice in investments
• 04:12 Understanding fixed-interest bonds and their returns
• 06:44 Balanced funds ...

In this episode, Warren Ingram and Pieter de Villiers explore how young professionals can navigate saving and investing with limited income, emphasizing the importance of understanding your 'why', building an emergency fund, and the fundamentals of smart investing.

Chapters

• 00:00 Introduction and episode overview
• 00:02 The importance of knowing your 'why' in financial planning
• 00:14 Steps to build an emergency fund and mana...

In this episode, Warren Ingram and Pieter de Villiers discuss how to evaluate investment platforms, the importance of transparency in fees, and strategies for managing insurance and benefits when changing jobs or employers.

Chapters

00:00 Introduction to the episode and main topics
02:22 The role of aggregation in reducing fees
05:15 The longevity and reliability of investment platforms
08:07 Risks of reward ...

In this episode, Warren Ingram and Pieter de Villiers discuss the strategic use of trusts for estate planning, tax efficiency, and asset protection, clarifying common misconceptions and practical considerations.

Chapters

00:00 Introduction to Trusts and Their Purpose
00:49 Why Trusts Are Not Primarily Tax-Saving Vehicles
02:06 When to Use a Trust for Asset Transfer
03:39 Practical Aspects of Transferring Asse...

In this episode, Warren Ingram and Pieter de Villiers explore how individuals approaching retirement can strategically de-risk their portfolios, balancing growth and safety. Our experts discuss asset allocation, risk management, and practical steps for a smooth transition into retirement.

Chapters

• 00:00 Introduction to Retirement Portfolio Strategies
• 01:58 Common Mistakes in Retirement Planning
• 04:04 The Importance of Asset Diversi...

In this episode, Warren Ingram and Ryan Murphy, Global Head of Behavioral Insights at Morningstar, discuss the importance of behavioral insights in investing, how to manage anxiety and uncertainty, and the role of financial advisors in guiding long-term investment success.

Chapters

• 00:00 Introduction to Behavioral Insights in Investing
• 02:09 The Irrational Crowd and Market Behavior
• 03:53 Managing Anxiety and Uncertainty in ...

In this episode, Warren Ingram and Pieter de Villiers discuss balancing emergency savings and retirement investing after life setbacks, emphasizing the importance of a strong financial foundation and peace of mind.

Chapters

00:00 Introduction to the episode and guest
00:02 The importance of emergency funds and peace of mind
00:19 Balancing emergency savings with retirement contributions
00:46 The emotional an...

In this episode, Warren Ingram and Pieter de Villiers discuss the complexities of estate planning, retirement annuities, and tax strategies, addressing common misconceptions and practical considerations for managing assets and minimizing taxes.

Chapters
00:00 Introduction to estate planning and common questions
02:08 Why transferring assets to an RA at an old age can be problematic
03:07 Tax implications of estate d...

In this final FISA episode, Warren Ingram speaks to Chris Murphy,Director of Legacy Fiduciary Services and chairperson of FISA, about estate planning. They discuss common myths, the importance of having a will, and practical tips for protecting your family and assets.

Chapters

• 00:00 Introduction to Estate Planning
• 01:08 Busting Myths About Estate Planning
• 04:21 The Importance of Having a Will
• 04:52 Consequences of Dying Intestate
• 07:...

In this episode, Warren Ingram and Pieter de Villiers discuss the nuances of retirement planning, the role of retirement annuities, and how to make informed investment decisions in a changing regulatory landscape.

Chapters

• 00:00 Introduction to Retirement Planning and Common Questions
• 00:27 Guest Introduction and Main Question on Retirement Annuities
• 00:53 Analysis of Retirement Savings and Withdrawal Strategies
• 01:1...

In this episode, Pieter de Villiers and Eben Nel, FISA Councillor and Fiduciary Adviser at PSG Wealth, discuss the complexities of estate planning through trusts, including when they make sense, their benefits, and legal considerations. Learn how trusts can protect wealth, facilitate long-term planning, and the importance of proper setup and management.

Chapters

• 00:00 Introduction to Trusts and Estate Planning
• 01:11 Unders...

In this episode, Warren Ingram and Pieter de Villiers explore the complexities of investment taxes, including income tax, dividends tax, and capital gains tax, and how they impact your investment returns over time. Our experts clarify common misconceptions and provide practical insights on managing tax efficiently in your investment strategy.

Chapters

00:00 Introduction to Investment Taxes and Their Importance
02:16 Practi...

In this episode, Pieter de Villiers and Ricky Opperman Knipe, Director of Marketing and Communications at Sentinel International Group, and Counselor of FISA, discuss the critical importance of wills, common mistakes, and how to properly plan for estate succession, especially for parents and business owners.

Chapters

• 00:00 Introduction to estate planning and the importance of wills
• 00:29 Why a will is one of the most impor...

In this episode, Warren Ingram invites Robert Edwards to speak about his inspiring journey from a successful career in London to traveling the world and writing his book 'Quit, Travel, Grow.' Discover insights on financial independence, intentional living, and the transformative power of travel.

Chapters

• 0:00 Meet Robert Edwards and his unusual career path
• 1:37 Why Robert wrote Quit, Travel, Grow
• 2:56 Financial discipline a...

In this episode, Pieter de Villiers and guest speaker Angélique Krügel, FISA counselor and director of Wealth and Legacy Group, break down estate planning into simple terms, explaining its importance, process, and common pitfalls. Perfect for anyone looking to understand how to protect their assets and ensure their wishes are honored after passing.

Chapters

• 00:00 Introduction to estate planning and guest introduction
• 01:10...

In this episode, Warren Ingram and Pieter de Villiers discuss when and why to seek professional financial advice, the different types of engagement with financial planners, and how to determine the right approach for your life stage and personality.

Chapters

• 00:00 Introduction and overview of questions about financial advice
• 00:28 The importance of understanding your own financial personality
• 02:06 When does it make sense t...

In this episode, Warren Ingram invites Jan du Plessis, CEO of the Fiduciary Institute of Southern Africa (FISA), to do a series on the importance of estate planning for all South Africans. They discuss common pitfalls, legal requirements, and practical tips to ensure your estate is in order and your loved ones are protected.

Chapters

• 00:00 Why Estate Planning Matters for Everyone
•  02:01 The Most Common Estate Planning...

In this episode, Warren Ingram and Pieter de Villiers invite guest speaker George Kuscheto talk through his remarkable journey of winning the Comrades Marathon while balancing full-time studies in actuarial science, family, and personal development. Discover how he maintains focus, consistency, and purpose across multiple demanding areas of life.

Chapters

• 00:00 Introduction to George Kusher
• 02:23 Balancing Life and...

In this episode, Warren Ingram and Pieter de Villiers explore the complexities of money personalities, the implications of debt, and how different life choices impact financial well-being. They discuss practical scenarios, psychological perspectives, and the importance of balance in personal finance.

Chapters: 

• 00:36- The importance of conversations around money
• 01:48- Long-term consequences of debt and estate implica...