Holiday houses rarely prove to be dream investments and often become a burden and source of frustration to their owners. With the sad state of the property market, there is little point in selling this investment so here is an idea to get some benefit from a problematic asset. Swap it Let’s face it, if […]
Author Archive for: WI
Warren Ingram B.Soc Sc (Economics), PG. Dip (Financial Planning), CFP®.
Warren Ingram is an award-winning financial planner and respected, well-liked personal finance commentator. He is a co-founder of Galileo Capital and has been a financial planner for nearly two decades. He was the Financial Planning Institute’s Financial Planner of the Year in 2011. Warren is a regular guest on Bruce Whitfield's The Money Show broadcast on 702 Talk Radio and 567 Cape Talk. In addition, he writes monthly personal finance articles for Moneyweb and Finweek, as well as periodical articles for a range of other publications. He has been interviewed on MNet's Carte Blanche, CNBC, eTV, Summit TV and SABC about investment and personal finance. Warren is perfectly suited to provide professional financial planning advice. Here at SmartRand.com you can get personal financial planning advice directly from Warren. Click on Get Advice to find out more.
Entries by WI
Many South Africans love physical property as an investment. Personally, this fixation has always fascinated me as I wonder if these property investors know what they are missing by ignoring the other major investment types available to them. For example, listed property companies that trade on the JSE have been fantastic investments over the last […]
I cannot count the number of investment books, articles and publications that I have read since I started financial planning in 1996. In that time I have read a few great books that I believe everyone with an interest in money should read. Recently I read another great book that I wish I could send to […]
I have been a staunch advocate of Exchange Traded Funds (ETF’s) from the launch of the first ETF in November 2000. Since then, many new indexed products have been launched and various companies have created new options for purchasing these investments. As a result, I have been getting an increasing number of questions from readers […]
I was recently asked by a student why it is so important to spend so much time and energy on savings and investments when it seems like investors get no reward for their efforts. The point was made that people derive pleasure from spending on holidays, clothes, cars and entertainment, so why invest? This is […]
I have been away recently so I missed much of the recent market turmoil and the resulting press coverage. This means I did not agonise through the massive fluctuations we have seen recently. I have however, spent some time catching up on the press coverage of the turmoil, which would have been comical had it […]
The life assurance industry in SA is ripe for a shakeup similar to the way Capitec is transforming the banking industry. Despite all the efforts of the regulators through legislation like the Consumer Protection Act, the life assurance industry is carrying on as they have always done with opaque products, exorbitant costs and flawed remuneration […]
If you are going to invest in shares in an attempt to generate long term capital growth, you need to understand how this growth can be created. There are three main components to capital growth from shares: inflation growth, share price appreciation and re-investing dividends. Most investors don’t fully appreciate the massive impact that dividends […]
It is simple but not easy to make R1 million from investing, all you need is: R5,000 per month, some patience and discipline. The formula There is no easy way to get rich quick. People who have become wealthy in a short space of time have either gambled or been extremely lucky. Your only guaranteed […]
After more than a decade of advising retired people on their investments I have always been surprised at how dissimilar the successful people are and how difficult it would have been to predict their success at the start of their careers. People who never finished school have retired comfortably at 55 after a great career […]