It’s been a year since financial markets started pricing in interest rate cuts and now that they are finally happening, is there any upside left? Markets are often described as forward looking. That means they try to anticipate real world events and prices move in response to what markets believe will happen in the future. By the time most of us wake up to the fact that the world has changed and looks investible, markets are already anticipating the next crisis and you always seem to be behind the curve.

High rates are believed to be good for savers, except they are a sign of high inflation which means that even if you think you are better off because your money in the bank is drawing a high return, the value of that money is losing value as it’s corroded by inflation. Markets like lower rates and as the cycle finaly turns, why does it matter?

Well, it’s Warren drawing lessons from the great, half-South African, tennis uber-hero Roger Federer, just to show there are investing lessons everywhere, Warren gets his kicks from lessons of one of the all-time greats of tennis and how you should apply those principles to the way you approach your money. Spoiler alert: it’s about winning, just not everything all the time, that makes the difference.

Journalism is a bold and noble profession, whose value to society is incalculable. Imagine what the blighters would try to get away with if there was no journalism. The problem comes from making any decision based on news flow. Every day you wake up you are subjected to an exceptional amount of information. Some of it accurate, all of it seeking your attention. What is fact and what is fiction and upon which information to you base your investment decisions?

You have to have an unsual skills set to make money as an independent trader. Fancy yourself as the latest incarnation of The Wolf of Wall Street (who I have met, and didn’t like very much, but the feeling was mutual, so that’s okay) be my guest. It’s your money. This is about financial freedom, not trying quick fixes. If trading shares was easy and the software you were sold so good, why are you being offered it for so little?

When it comes to you and your money, be wary of the advice you take and always question the incentives of those giving advice. There is a reason why the biggest and flashiest offices in cities around the world are occupied by big law and accounting firms. They know how to charge for their expertise. You need to be very careful about taking advice that is not in your interests. Bruce Whitfield and Warren Ingram look at when it might be a good idea to put your assets into costly structures…and when not…which is the case for most people…

Bruce & Warren have a conversation about investing a windfall

Bruce & Warren give insight on investing outside your country.

Bruce & Warren talk about how compounding can work.

Bruce & Warren talk about investing no matter where we are, beyond our borders even if it is 1%, which helps more than you can imagine.

Bruce and Warren talk about why people are mad thinking they can predict the future.

Just as you should have an emergency fund to deal with a crisis, you always need money to invest when there are great opportunities.

We are six months in - this is the one where you need to pause, take a breath and see how far you have come...

Bruce and Warren talk investing and personality types in money.

Will your loved ones resent you when you die? They have enough to worry about when you are gone. This is the one about the will - don't make your family despise you for not doing one.

In this week's episode Bruce and Warren discuss the importance of not putting all of your eggs in one basket.

Bruce and Warren discuss the importance of taxes when you are getting lots of capital growth.

No one likes paying for insurance - why you should never scrimp and save on this one.

Don’t do it unless you can do this one thing. Tough love and a reality check from Bruce and Warren.

How does a South African business get its product listed in some of the world’s most prestigious stores such as Harrods, Selfridges, Costco & Amazon and perform well in the international market? To answer this, Bruce Whitfield invited six South African executives whose products have reached international shores and made an impact for the final episode of the Genius Podcast. The list of esteemed guests includes SXOLLIE cider’s Karol Ostaszewski, Island Way Sorbet’s Adrian Vardy, Fieldbar’s Lee Hartman, Oryx Desert Salt’s Sam Skyring, BOS tea’s Will Battersby, and Sealand Gear’s Adrian Hewlett.