In this episode, Warren Ingram and Pieter de Villiers break down one of the most confusing parts of investing: total fees. They explain how to understand the full cost of investing through effective annual cost, including investment management fees, platform/admin fees, and advisor fees.

Chapters

• 00:00: Introduction to the fee question
• 01:55 :What effective annual cost means
• 02:24: Investment management fees: active vs passive
• 05:04: Performance fees and realistic fund fee ranges
• 07:11: How to compare fund performance fairly
• 09:03: Admin fees and platform types
• 10:01: LISPs vs brokerage platforms
• 12:53: Why index trusts can be cheaper than brokerages
• 14:42: Service quality, tax reporting, and hidden costs
• 17:04: Advisor fees and compensation models
• 18:21: Why commission-based advice is problematic
• 19:17: Flat fees, hourly fees, and ongoing retainers
• 24:06: Why an advisor can add value beyond picking funds
• 26:28: Practical fee ranges for total costs
• 28:24: Final takeaway: price vs value

Learn more about Prescient Investment Management 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

In this episode, Warren Ingram and Pieter de Villiers discuss offshore investing strategies, building financial literacy, and helping others with savings and retirement planning. They explore practical tips for long-term wealth building and the importance of financial education.

Chapters

• 00:00 Introduction and episode overview
• 00:25 The importance of offshore investment domicile
• 02:52 Choosing the right jurisdiction for offshore ETFs
• 04:38 Mechanics of currency conversion and transaction costs
• 06:28 Long-term investment strategies and asset allocation
• 08:44 Risks of individual stocks vs. index funds
• 10:11 Timing and market considerations for offshore investing
• 11:33 Helping others build financial literacy and savings
• 13:58 Starting conversations about financial goals
• 15:53 The ripple effect of financial education
• 17:29 Practical tips for small investors
• 21:21 Closing remarks and engagement encouragement

Learn more about how Curate Investments can help you here.

Send us Fan Mail

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 this episode, Warren Ingram and Pieter de Villiers discuss strategic investment choices, tax-efficient savings, and financial planning for expatriates and young investors. The conversation covers diversified ETFs, tax-free accounts, and offshore investments, providing practical advice for long-term wealth building.

Chapters:

• 00:00 Introduction and Episode Purpose
• 00:24 Listener Questions and Engagement
• 01:12 Investing in MSCI ACWI ETF for Long-Term Growth
• 02:05 Maximizing Tax-Free Savings and Contribution Limits
• 02:47 Choosing the Right Diversified ETF for Retirement
• 05:44 Funding Education with Tax-Free Accounts
• 07:23 Managing Investment Risks for Short and Long Term
• 09:37 Teaching Kids Financial Literacy and Involving Them in Investments
• 10:28 Expat Investing: Tax and Currency Considerations
• 13:17 Importance of Tax Planning for International Investors
• 14:34 Understanding MSCI All Country World Index (ACWI) and JSE
• 16:18 US Domicile ETFs and Tax Implications
• 17:41 Asset Allocation and Global Diversification Strategies
• 18:39 Retirement Contributions and Offshore Income
• 20:00 Managing Offshore Investments and Tax Laws
• 21:50 Final Advice and Encouragement for Investors

Learn more about Prescient Investment Management here.

Send us Fan Mail

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