Warren Ingram and Chris Rule dive into the world of exchange-traded funds (ETFs), exploring their transformation from simple index trackers to actively managed portfolios. They break down the benefits of using ETFs for diversified investing, discuss the differences between active and passive ETF strategies, and highlight key considerations like costs and transparency.

Takeaways

• ETFs allow investors to access a diversified basket of shares or bonds through a single investment on their stockbroking account.
• Regulations have been liberalized to allow for actively managed ETFs.
• When choosing between active and passive ETFs, consider transparency, understanding the underlying investments, costs, and diversification.
• Accountability and learning from investment mistakes are important.

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In today's episode Warren Ingram and Ess Mukumbo discuss the challenges of balancing work and parenting. They emphasize the importance of planning, communication, having a support system in place and the guilt that parents often feel and the need to prioritize and make trade-off decisions.

Takeaways

• Balancing work and parenting is a constant juggling act that requires planning and communication.
• Having a support system in place is crucial for managing work-life balance.
• Guilt is a common feeling for parents, but it's important to prioritize and make trade-off decisions.
• Open and honest communication with children is key to managing expectations and addressing their needs.
• Perfection is not attainable, and it's okay to not be perfect as a parent.

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In this episode Warren Ingram explores the strategic advantages of dividend investing and its role in ensuring financial discipline within corporations. Warren speaks to contrast dividends with share buybacks, highlighting how dividends are tied to real cash flow and profits, offering investors a more transparent measure of a company's financial health.

Takeaways

• Benefits of Dividends: Dividends as indicators of real profits and financial discipline & why focusing on dividends can enhance investment strategies.
• Corporate Behavior & EPS: Impact of earnings per share on company decisions.

For more valuable insights from the 10x team, click here.

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Warren Ingram and Dr. Marc Rogatschnig delve into their newly launched book 'Small Changes for Big Results,' highlighting the impact of unconscious influences on financial decisions. They offer a behavior change framework, using case studies and tools to help readers improve their financial behaviors. Emphasizing small, impactful mindset shifts, the book aims to simplify behavior change and enhance financial well-being.

Get a copy of Small Changes for Big Results here

Takeaways

• Understanding our unconscious influences on financial choices is crucial for behavior change.
• Small changes in mindset and behavior can lead to significant results over time.
• Relatable case studies and practical tools for improving money behavior.
• Demystifying behavior change and empowering individuals to take control of their financial lives is the main goal.

For more valuable insights from the 10x team, click here.

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In this episode, Warren Ingram and Kelin Pottier, Solutions Strategist at 10X Investments, discuss the different ways to store cash in unit trust funds. They explore the concept of income funds, which aim to deliver a high level of income while maintaining capital stability, the risks involved in income funds and the importance of regulations and diversification in managing these risks.

Takeaways

• Unit trust funds offer different ways to store cash, including money market unit trusts and income funds.
• Income funds aim to deliver a high level of income while maintaining capital stability and have a strong bias towards capital protection.
• Risks in income funds include interest rate risk and credit risk, which investors need to consider when selecting funds.
• Regulations and diversification play a crucial role in managing risks in income funds.
• Investors should prioritize risk and return when choosing income funds and be cautious of excessive risk-taking by fund managers.
• Assessing the duration and portfolio composition of income funds can provide insights into the risks involved.

For more valuable insights from the 10x team, click here.

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In today's episode, Warren Ingram delves into asset allocation, navigating the complexities of balancing stocks, bonds, cash, property, and shares to tailor your investment strategy. He'll guide you in aligning your portfolio with your financial goals and risk tolerance, emphasizing personalized approaches over generic solutions.

Questions/Topics:

• Asset Allocation: The strategic distribution of investments across various asset classes, such as shares, exchange-traded funds (ETFs), gold coins, and property.
• Balancing Risk and Reward: Explore the thrill of the stock market vs. the steady rhythm of bonds.
• Fund Fact Sheets: How to interpret benchmarks and asset allocations within unit trusts/ETFs.
• Personalized Risk Tolerance: Understanding your risk profile for financial peace of mind.

For more valuable insights from the 10x team, click here.

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 today's episode Warren Ingram delves into the transformative landscape of retirement planning, focusing on the innovative two-pot system designed to harmonize our immediate financial needs with the necessity for future security. We'll debunk common myths and misconceptions that cloud our understanding of these financial reforms, clarifying their true aims free from the fog of hidden taxes and supposed ulterior motives.

Questions/Topics:

• Balancing Immediate Needs with Future Security: Exploring the two-pot system's approach to harmonize urgent financial needs with securing a stable retirement.
• Debunking Myths and Misconceptions: Clearing the air on misconceptions about hidden taxes and motives, and clarifying the real goals of financial reforms.
• Challenges and Opportunities: Discussing both hurdles and benefits, from inflexible Provident Fund structures to the implications of tax penalties.
• Forced Saving Culture: Investigating ways to instill a mandatory saving mindset as a cornerstone for a worry-free retirement.
• Impacts on Saving Habits: Analyzing how these reforms might alter saving practices, influencing financial behaviors for the better.
• Pension Fund Administrators' Readiness: Evaluating pension fund administrators' preparedness for upcoming changes, with actionable strategies for smooth adaptation.

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 week's episode Warren Ingram, guides you with a comprehensive discussion on investment myths and the impact of FOMO in the South African market. Through research and observations, he provides guidance for investors, cautioning against chasing short-term highs and reacting impulsively to trends.

Questions/Topics:

• Past Performance vs. Future Results: Ingram warns against assuming that historical performance guarantees future success in the stock market.
• Influence of Tech Stocks: Ingram discusses the significant influence of certain tech stocks on the market in 2023.
• Long-Term Perspective: The importance of adopting a long-term approach to investing is emphasized.
• Insights from Morgan Hassell: Ingram shares strategies from "Same as Ever," focusing on wisdom and discipline in investing.
• Traditional Investment Approach: The podcast advocates for stability and long-term growth through a traditional investment approach.

By maintaining discipline and focusing on long-term goals, investors can navigate market fluctuations with confidence.

For more valuable insights from the 10x team, click here.

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