Honest Money

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Learn how cash flow, leveraging bank money, and refinancing can help you acquire more properties. Consider the risks of holding debt in your personal name and explore structures like trusts or holding companies for better asset protection.  Watch now: youtu.be/1IyxsOeyXfU

[New Blog]  Your Children Will Thank You for Doing This - Martin Hesse "...parents who can cover their own living costs and medical bills in old age free up their children to finance their own homes, families and futures." Read now: tinyurl.com/mrtewrwd

It's incredibly rare to max out retirement and TFSA contributions, plus plan for education. If you're doing this, you're truly at the top of the financial ladder. Just ensure you also have an intentional plan to educate your kids about money. Watch now: youtu.be/1IyxsOeyXfU

Mark's strategy is all about that final 2-5% optimization: maxing tax-efficient accounts, children's TFSAs, and endowments. Now, he's focusing on investment properties, balancing cash flow and capital growth to maximize his overall ROI.  Watch now: youtu.be/1IyxsOeyXfU

In this episode, Warren Ingram and Pieter de Villiers explore a comprehensive approach to personal finance, focusing on property investment, debt management, and tax-efficient strategies, with insights from a seasoned financial advisor. Listen now: tinyurl.com/4y4a39c3

If the market drops 30% tomorrow, how would you react? Panicking & selling locks in losses. True long-term investors understand volatility is part of the game. If your investment horizon is 10+ years, a drop might even be an opportunity.  Watch now: youtu.be/Di0PzSVLpvg

Timing the market perfectly is impossible; the future is always uncertain. A smarter approach is to phase in your investments gradually to ensure your capital starts working for you as soon as possible without buying at an absolute peak.  Watch now: youtu.be/Di0PzSVLpvg

As financial planners, we experience market drops too. Education doesn't always fix the human emotional response. Understanding your own biases and choosing a strategy that fits you is key. If unsure, phasing in investments is a safer start.  Watch now: youtu.be/Di0PzSVLpvg

How Confident Are You About Your Finances? Here’s What the Latest Research Shows - Martin Hesse "CPI inflation was 4.4% in August, up from 4.3% in July, but down from 5% in June. Rocketing fuel prices are the main reason inflation remains high." Read now: tinyurl.com/55r2yznm

Wondering how to invest a lump sum? Instead of trying to time the market for a crash, consider phasing it in over 6-12 months. This approach can help mitigate risk and potentially lead to gains even in volatile times. Watch now: youtu.be/Di0PzSVLpvg

Missing just 10 of the best market days over 20 years can halve your returns. Panicking and selling means missing out on crucial rebounds. Building wealth is simple: invest consistently and let time work its magic. Don't over-engineer it.  Watch now: youtu.be/Di0PzSVLpvg

In this episode, Warren Ingram & Pieter de Villiers explore the nuances of investment timing, the psychological factors that influence investment decisions, practical strategies for phased investing, and more.  Listen now: tinyurl.com/34kczdye

Thinking about fixed deposits for a 10% return? Be mindful of taxes! High-income earners could lose 40-45% of that interest to tax, significantly impacting your net gain. Always compare 'apples to apples' after tax.  Watch now: youtu.be/KvbpnBHp9A4

Thinking about a 5-year horizon? It's not too short for growth, but too long for just cash. A balanced fund, combining equities, bonds, cash, and property, offers the best of both worlds: growth to beat inflation and stability to manage risk. Watch now: youtu.be/KvbpnBHp9A4

Learn how to build an investment portfolio that aligns with your future goals. The key is to allocate more to equities for distant goals, given their long-term outperformance.  Watch now: youtu.be/KvbpnBHp9A4

[New Blog]  Why See a Financial Planner? The Best Reason May Elude You - Martin Hesse "Over the past couple of decades, financial advice has gradually shifted from being primarily product-oriented to being more behaviour-oriented." Read more here: tinyurl.com/322tu7s3

Are your investment return expectations outdated? With inflation around 3%, a 10% return is excellent, offering 7% above inflation. It's time for South Africans to reset their assumptions about what constitutes a good stock market gain. Watch now: youtu.be/KvbpnBHp9A4

If you need your money back within 3 years, the stock market isn't the place. Focus on earning the highest, most certain interest rate. Explore RSA Retail or shop around for the best fixed deposit rates for your timeframe.  Watch now: youtu.be/KvbpnBHp9A4

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. Listen now: tinyurl.com/md42a9nx

In South Africa's economy, making ends meet is tough. We discuss how one listener, likely a student, is saving half of their R10,000 monthly income. This early success indicates a promising career trajectory.  Watch now: youtu.be/7XHRVyTZO5A