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Honest Money

Warren Ingram
South Africa
Investment Strategies
Financial Planning
Retirement Planning
Investment Management
Estate Planning
Retirement Funds
Debt Management
Diversification
Tax-Free Savings Accounts
Inflation
Personal Finance
Financial Freedom
Investing
Emerging Markets
Financial Goals
Financial Literacy
Budgeting
Unit Trusts
Interest Rates

Your personal guide to financial freedom, hosted by the bestselling author and award-winning financial planner, Warren Ingram.

PublishesWeeklyEpisodes341Founded7 years ago
Number of ListenersCategories
InvestingBusinessManagement

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Artwork for Honest Money

Latest Episodes

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.

Chap... more

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In this final FISA episode, Warren Ingram speaks to Chris Murphy, Director at Legacy Private Trust Pty, and chairperson of FISA, about estate planning. They discuss common myths, the importance of having a will, and practical tips for protecting your... more

YouTube

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 R... more

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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 tru... more

YouTube

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Recent Guests

Ruphert Hare
Head of multi-asset at Prestient Investment Management
Prestient Investment Management
Episode: The Future of AI in Business: Opportunities and Challenges
Ryan Murphy
Global Head of Behavioral Insights at Morningstar
Morningstar
Episode: Mind Over Markets: Practical Strategies for Long-Term Investment Success
Natalie Harrison
Head of distribution at Curate Investments
Curate Investments
Episode: The Art and Science of Investing: Active, Passive and Quality Strategies Explained
Bastian Teichgreeber
Chief Investment Officer of Prescient Investment Management
Prescient Investment Management
Episode: Rate Cuts Explained: How Lower Interest Rates Could Boost SA Consumers & the Economy
Ray Mhere
CEO of Curate Investments
Curate Investments
Episode: Unit Trusts 101: How South Africans Can Choose the Right Fund for Their Future
Pieter de Villiers
Episode: From Nappies to Net Worth: Financial Planning for New Parents in SA
Chris Rule
Head of Client Solutions at 10X Investments
10X Investments
Episode: Beyond Greenwashing: What Makes an Investment Strategy Truly Meaningful
Rupert Hare
Head of multi-asset at Prescient Investment Management
Prescient Investment Management
Episode: The Future of Markets: Bonds, Japan’s Rise & South Africa’s Potential
David Hurford
Chief Executive Officer of Fairhead Benefits Services
Fairhead Benefits Services
Episode: Estate Planning Essentials: Protecting Your Retirement Funds for Loved Ones

Hosts

Warren Ingram
Host of Honest Money; financial planner and author; appears across episodes providing investment guidance and financial planning insights.
Pieter De Villiers
Co-host; shares practical investment guidance and planning insights.

Reviews

4.8 out of 5 stars from 283 ratings
  • Valuable

    Such good advice on retirement. Real and kind, thank you!

    Apple Podcasts
    5
    Wilderness Dreaming
    South Africa9 months ago
  • Pure gold

    So glad I found this podcast! Wealth of information relative to South African economy. Very interesting topics, I’ve learnt a lot already!

    Apple Podcasts
    5
    dane ks
    United Statesa year ago
  • Thank you

    People pay good money for all this advice! almost too good to be true! Thanks Warren and team

    Apple Podcasts
    5
    Cvcjhb
    South Africaa year ago
  • Basic info that make a big change

    Thank you Warren and Pieter. Discussing insurance products (to help me understand these grudge purchases) and helping us understand Financial Freedom and that small amounts WILL make a big difference. When calculating how long it will take for my wife and I to reach FF, it will take another 20 years, but we will be 57 (if investments grow by 10%). Even though we have little now, but knowing that we will reach FF before retirement is comforting. Let’s hope the economy stays the course and inflati... more

    Apple Podcasts
    5
    JaunGuan
    South Africaa year ago
  • Brilliant Finance Podcast

    Warren answered all of my questions on his podcast in such a clear and simple manner! He's also straightforward and honest, exactly as the title describes! I love listening to the podcasts - they are unique and informative in an easy and understandable manner. A rarity in financial and wealth advisors!

    Apple Podcasts
    5
    Angela 2875
    South Africa2 years ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Guests and hosts provide no-nonsense guidance that helps demystify fees, offshore investing, and retirement planning.
Listeners appreciate clear, honest, and practical financial advice.
Content is accessible and easy to understand, with real-world relevance for SA investors.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Apple Podcasts
#65
South Africa/Top Podcasts
Apple Podcasts
#3
South Africa/Business/Investing
Apple Podcasts
#6
South Africa/Business
Apple Podcasts
#64
Belgium/Business/Investing
Apple Podcasts
#110
India/Business/Investing
Apple Podcasts
#121
Ukraine/Business/Investing

Talking Points

Recent interactions between the hosts and their guests.

How Much Fees Should I Be Paying On My Investments?
Q: What is a reasonable effective annual fee for all my investments, including fund management, admin, and advisor fees?
A sensible range for a balanced mix of actively managed and index-tracking options is about 1% to 2% for active funds and around 0.2% to 0.6% for index trackers, with admin and platform fees adding about 0.2% to 0.6%. For larger portfolios, a combined total around 1.2% to 1.5% plus VAT is feasible if you consolidate on a capable platform and use a transparent advisory model.
How To Choose A Global Index Fund As A South African
Q: If I earn in US dollars while living abroad, should I keep investments in dollars via EasyEquities USD or convert to rand and invest locally, considering tax and estate implications?
Investing in US-domiciled funds can create estate and tax complications; generally, it's better to use non-US-domiciled ETFs (e.g., Irish-domiciled) when available and keep the core allocation in the currency of your tax residency. If possible, invest in a dollar-based, globally diversified fund and avoid unnecessary currency conversions that add cost and risk.
How To Choose A Global Index Fund As A South African
Q: I've been contributing to a tax-free savings account and am deciding between MSCI World, emerging markets, and JSE Top 40—should I mix them or stick with one core approach?
A simple, long-term strategy often works best: pick a core core global fund like MSCI World or MSCI Acqui for broad diversification, and optionally add a local component such as JSE Top 40 to capture local growth. Avoid excessive overlap by limiting to a small number of funds, and tailor the mix to your time horizon and tax situation.
How To Invest Directly Offshore As A South African
Q: How should a nanny's retirement savings be set up—RA or an ETF—and how to balance debt reduction with investing for future security?
Start with a retirement-focused approach that preserves liquidity where appropriate, consider a retirement annuity for protection against early withdrawals, and address high-interest debt first through education and a structured plan; once debt is under control, automate savings via tax-free accounts or RA to build long-term wealth.
How To Invest Directly Offshore As A South African
Q: What would be the best way to spend 1,500 to 2,000 rand monthly to invest offshore—single shares or ETFs across multiple markets?
The advice is to prefer diversified offshore exposure via rand-denominated global funds or ETFs, focus on index-based investments for long-term growth, and be mindful of tax and currency costs; avoid frequent small currency conversions and consider lumping investments to reduce transaction costs.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

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Gender Skew
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Frequently Asked Questions About Honest Money

What is Honest Money about and what kind of topics does it cover?

A practical finance show focused on personal wealth, investing, and tax-conscious planning, with regular deep-dives into fees, offshore investing, retirement income, property decisions, and tax changes affecting everyday South Africans. Across episodes, practical tips, simple explanations, and transparent discussions on costs, global diversification, and disciplined investing stand out, often illustrated with listener questions and real-world scenarios. Noteworthy are sponsor-supported rundowns on fee structures, straightforward retirement planning guidance, and a consistent emphasis on long-term, low-cost strategies that aim to demystify complex financial topics for a broad audience.

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Which podcasts are similar to Honest Money?

These podcasts share a similar audience with Honest Money:

1. MoneywebNOW
2. The Money Show
3. BizNews Radio
4. WorldWide Markets with Simon Brown
5. SMWX

How many episodes of Honest Money are there?

Honest Money launched 7 years ago and published 341 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on Honest Money?

Recent guests on Honest Money include:

1. Ruphert Hare
2. Ryan Murphy
3. Natalie Harrison
4. Bastian Teichgreeber
5. Ray Mhere
6. Pieter de Villiers
7. Chris Rule
8. Rupert Hare

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