Kupitia UTT, Ninahitaji milioni 2 kila mwezi

[Southern Highland]

You are wasting time.

Can you justify your statement?

 

[Beberu]

Kwa rate ya sasa hivi baada ya miaka 10 nachukukua sh ngapi jumla

Bond fund wanakupa 1% ya pesa yako kila mwezi
Kuhusu after miaka 10 chek compound interest calculator

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[wa kupuliza]

Samahani .hizo ni biashara kichaa

Inafanana na fixed account


Mara 100 hata ukajenga lodge au nyumba za kupanga

Biashara sio matako Kwamba kila mtu anaweza akawa nayo.

 

[Beberu]

Kwa rate ya sasa hivi baada ya miaka 10 nachukukua sh ngapi jumla

Nimecheck na calculator majibu ni utakuwa na 741M

Sent from my 220333QAG using JamiiForums mobile app

 

[Midekoo]

Bond unakopesha bot wanakuwa wanakulipa riba. Tena riba yao iko POA like 13%

Kuna bond za utt pia unaweza kuanza hata na 50000

 

[John7371]

Wekeza ktk real estate na weka benki kiasi kidogo cha dharura. Real estates (majengo ya kupangisha,mashamba, viwanja n.k) hapo ndipo thamani ya pesa huwa haishuki.

Ila unapowekeza kwenye hiyo mifuko kwanza una risk pesa yako kukatwa kodi, kushuka thamani n.k kumbuka 200m ukiiweka leo kwenye hizo fixed accounts au bonds ukija kuitoa inakuwa imeshashuka thamani.

Inashuka thamani How?

 

[MoseKing]

UTT ni watu was kati.

Yaani ukiwapa pesa yako, wao wanaiwekeza kwenye makampuni wanayoonanyatafanya vizuri DSE, Treasury bills na Bonds.

Hakuna muujiza wala maajabu hapo.

Kwanza ukiwa na kuanzia 200M unaweza kuwekeza mwenyewe kwenye kampuni nzuri tu bila kuweka UTT.

Pili, usikope kuweka pesa kwenye bonds au TB kwasababu ni biashara kichaa.

Banks hazikopeshi chini ya 15% per mwaka kama interest, wakati faida ya Bonds au Tb kwa mwaka siyo zaidi ya 12%

In short, utakula hasara kinoma.

 

[TEAM 666]

hii UTT haina tofauti na hisaa ukiwekeza milion 10 ukinunua vipande thamni ya kipande ikishuka inaahuka na thamani ya mtaji wako kama uliweka milion 10 unaweza kujikuta una milion 9 kama ukitokea thamani ya kipande imeshuka.

 

[ToniXrated]

Inashuka thamani How?

Inflation risk, its lower return will not keep pace with inflation

 

[ToniXrated]

hii UTT haina tofauti na hisaa ukiwekeza milion 10 ukinunua vipande thamni ya kipande ikishuka inaahuka na thamani ya mtaji wako kama uliweka milion 10 unaweza kujikuta una milion 9 kama ukitokea thamani ya kipande imeshuka.

Watu wanadhani kuwa kuwekeza katika government bonds hakuna hasara. Haahaaa

 

[KingOligarchy]

FALSAFA ZA OLIGARCHY:

MY 2 CENTS:

Kiufupi, Nipo kwenye uwekezaji zaidi ya miaka Kumi,

Wakuu nimesoma comments nyingi sana, mara real estate mara UTT mara Hatifungani, Concept ni nyingi lakini naomba nitoe njia yangu iliyonipa mafanikio kwa kiwango cha compounding.

Tujikumbushe:
Tajiri wa kwanza duniani Elon Musk, ni co founder wa makampuni mengi makubwa duniani including TESLA, SPPACE X, The Boring company. Pamoja na Utajiri wake wote Huu Hisa zake asilimia 50% zimekuwa PLEDGED kama COLLATERAL ya LOAN.

MO DEWJI KUNUNUA HISA ZA SIMBA

Mwaka 2016 Mo dewji aliwasilisha pendekezo lake la kwanza kuinunua simba, Fuatilia uzi Huu BILIONEA MO DEWJI AWASILISHA RASMI BARUA YA KUINUNUA KLABU YA SIMBA | Rundugai Blog , Lakini zoezi la kuilipa simba halikufanyika.

Tukiangalia Hapo chini , tunaona cheki imelipwa kwenda Kwa Simba sports club Endowment Fund.

Dhumuni la hii sio kuongelea simba bali ni kuwafundisha Financial Decision making na Utofauti kati ya Watu wenye fedha na watu wasio na elimu ya fedha.

MY 2 CENTS:
Financial Assets classes zinazotoa yield PIA zinatumika kuhedge maamuzi ya biashara yanayofanYika , Elon musk alitaka kuimiliki twitter, ili kufanya maamuzi yake kwenye playbook ile ilibidi akope kupitia hisa za kampuni anazomiliki ili anunue Twitter (Musk says he has secured $46.5 bln in funding for Twitter bid) . Hii inaonesha hajatumia pesa yake kumiliki kampuni ya twitter kwa term nyingine tunasema amemiliki Twitter kupitia Other peoples Money (OPM). Funzo: Ukitaka kununua vitu itengenezee asset Hisa au Hatifungani ambayo itakuwa kama Backup yake

Mfano:
Nina Tsh 200,000,000 nataka ninunue Gari/Nyumba ya kuishi (Liability) ya Millioni 100, Way forward is Buy a Treasury Bond then ikopee utapigwa haircut 70% roughtly 140M lakini wewe chukua 100M nunua unachotaka kufanya may be a car (liability) au nyumba then Mkopo uliochukuliwa utajilipa na Coupon za hatifungani, after 6-8 years utakuwa na vyote Gari/Nyumba uliyonunua Plus Bond ya 200M plus Coupon ya kila semi annual
Insteas ya ungenunua kile kitu then value ingepotea.

Je unadhani Mo dewji alishindwa kulipa Mil 200 cash kuinunua simba? Hapana sio kweli kwenye ulimwengu wa kifedha kama angetoa pesa ile cash ni upuuzi wa hali ya juu. from 2016-2021 ni 5 years, kama angewekeza hzo hela kwenye Hatifungani maana yake angepata coupon za Estimated 80% value (15.95% estimates x5) so kuweka hyo hela kwenye asset classes ingemaanisha ameipata simba + ameretain value ya hela yake.

Maana ya Endowment Fund:
Huu ni mfuko wa uwekezaji ambao unasimamiwa na fund manager, hela zinawekwa halafu wanainvest kwenye both Traditional na Altenative Investments. Kwenye kila returns za kila mwaka ,kuna kuwa na withdrawal policy ila nyingi hela zinakuwa utilized nyingine zinarudishwa mfano:
Bil 20 za dewji wakanunua 25 years Bond 12.56% per annum maana yake kila mwaka watapata coupon za (12.56%*20) =2.5 Billion , ambapo 1 billion anaweza akairudisha kuinvest , so next year mfuko utakuwa na 21B instead of 20 halafu 1.5B ikatumika kwa kazi nyignine za simba.
Tafakari why endowment Fund? if you buy a share where does the money Go. (discussion for another time)

So Quick Killer points:
1. Kuna utofauti baina ya uwekezaji na Biashara, msichanganjye hizi mambo
2. Ukiwa na mtaji unaweza ukauwekeza ili kuulinda halafu ukaukopea baada ya hapo ndo ukafanya Biashara unayoitaka, Jiwe moja ndege mia

JIULIZE HALAFU FANYA MAAMUZI:
Una Milioni 200 ni bora ujenge nyumba ya kupangisha hela yote then kazi iishe? kumbuka return ya real estate kwa mwaka ni Single Digit

au

Kuwa Mjanja , chukua Milioni 200 Nunua Bond ikopee pata 140M , Jenga nyumba ya 140M pangisha
Mapato ya kupangisha mengine rudisha kununua bond,afetr 8 years Rudia njia ile ile. (Exponential Growth ndo kila kitu)

Soma: THE RICHEST MAN IN BABYLON , POOR DAD RICH DAD,
Jifunze: Utofauti wa asset na liabilities, Kusoma na kutengeneza Financial Statement (Personal).

NTASHUSHA ANDIKO SOON : THE BANK & OPM STRATEGIES (OTHER PEOPLES MONIEEEEEE)
- Kama makampuni yana Financial statement pia katika individual lvel lazima uwe na financial statement na Auditor wako ni mke wako 😉😉😉😉
-kama kwenye financial world watu wanahedge Liability, at individual level pia u can hedge your liabilities (Eti nyumba ya kuishi ni Liability au asset? Na nyumba ya kupangisha je ? liability au asset?🙄🙄🙄

• Interest Rate Arbitrage * Ngoma hapa ntaongelea namna ya kupiga hesabu zilizomfanya simba kuwa Mfalme wa pori na kumwacha mdomo wazi Tembo mwenye mwili mkubwa! eti ukienda mbuga za wanyama unataka umwone Simba au Tembo?
• OPM vs Geo investment Opportunities- Vuka border hujazaliwa Tanzania umezaliwa duniani

Nimeongea Kimafumbo vitu vingine ila natumaini umepata kauelewa kidogo.

OLIGARCHY, CFA
(Tanzania hatufiki 10 Accredited CFA Holders) "Nina uhaya ndani yangu, relax kabla hamjaanza kunipiga nyundo"

 

[Bavaria]

Sina elimu yoyote

Unapata wapi ujasiri wa kusema thamani ya bond inashuka?

 

[ToniXrated]

Unapata wapi ujasiri wa kusema thamani ya bond inashuka?

Unapata wapi ujasiri kusema thamani yake haishuki?! Tuanzie hapo

 

[TEAM 666]

Bond haishuki thamani nikama fixed mnakua na mkataba tayari wakupata asilimia mlizokubaliana


ila hii mifuko ya UT. Liqud fund, Jikwamue, wekeza maisha, nisawa na hisa thamani ya kipande ikishuka basi inashuka na mataji wako unaweza wekeza milion 10 baada ya mwaka pesa ikabaki vilevile au ikashuka.

if you go to invest, be careful to understand maana naona humu watu wanatoa 100% uhakika wakupa pesa kama fixed sio kweli on utt there are pros and cons.

 

[Ego is the Enemy]

I didn't want to know what's utt I have already my shiiti that am dealing of. So thank you a lot. I wanna be a master or a specialist in my craft and not jack of all who master nothing as every kingdom fall as mind/brains divided in many studies fails to master competitively.
Take easy nigaa thank very much

Kuna bond za utt pia unaweza kuanza hata na 50000

 

[Ego is the Enemy]

Bond haishuki thamani nikama fixed mnakua na mkataba tayari wakupata asilimia mlizokubaliana

Bro I don't know if am sure what am going to talk but correct me if am wrong.

Bond umenunua ya miaka 25/30 umeipa serikali ama USA government bond kitu Kama Bilioni kumi hela za kwetu,najua watakuwa wanakupa riba Ile semi/quarterly annually.
Sasa swali langu Ina Mana hii value ya 10bn ya Sasa hivi Ni sawa na watakayokuja kukurudishia even after 5/10years?
Do you get me

 

[Ego is the Enemy]

winning possible

Duu mkuu bado uko biased in that way if Winning is possible even losses is possible ama nakosea. Hii makitu ama biashara zote Zina faida na hasara you can't separate losses fr business or na faida Ni sawa na usiku na mchana.

Remember this is the probability numbers game. You can do all your whole universe analysis na ukaona kuwa Kuna probable outcome ya 90% ya kupata faida and still ukapata losses unakubaliana namie.


Probability Ni "an event can be extremely likely to happen and still not happen and an event can be extremely unlikely to happen and still happen" unakubaliana na hii sentence lakini?
Ishu we love Black and White ,yes and no answer. In this life nothing is totally zero% and nothing totally 100%.
Between white and black hatutaki,between yes and no hatutaki.

Pia iyo analysis umefanya kutokana na your hindsight Ila kabla iyo chart haijatokea you can't predict what will happen.


Sasa nikuulize kwani unakuwa umeshaongea na watu wote dunia nzima kuwa watakaonunua ,watakaouza/kununua hisa za apple Ni wangapi?

Kama hujanielewa ngoja niwe kilaza it's okay. I expect to be wrong nothing wrong for me to be wrong.

Ishu ambayo inasumbua kuwa watu wanafanya analysis in hindsight or in backward way Ila in forward. Ongea kabla hakijatokea. Okay Kama wewe Ni guru or you're expert at this bet all your mortgage kuwa apple itaendelea kukua for even 20yrs to come.

Be ready anything can happen don't fix your mind,but flex it to expect the unexpected in this trading and investment arena or in business in general.



Be binary man, I buy here this stocks so what I will do if it goes against me or in my favor.

 

[TEAM 666]

Bro I don't know if am sure what am going to talk but correct me if am wrong.

Bond umenunua ya miaka 25/30 umeipa serikali ama USA government bond kitu Kama Bilioni kumi hela za kwetu,najua watakuwa wanakupa riba Ile semi/quarterly annually.
Sasa swali langu Ina Mana hii value ya 10bn ya Sasa hivi Ni sawa na watakayokuja kukurudishia even after 5/10years?
Do you get me

it depends on how much the 10 billion will grow in value in the market
after 25 years the bond will give you the same 10 billion.

 

[Ego is the Enemy]

it depends on how much the 10 billion will grow in value in the market

Kwa bond Ni hela unawakopesha Ila watakuwa wanakupa faida sema labda ukinunua stocks/shares za kampuni otherwise hujajua ama mie sijui bond Ni Nini labda tuanze what's bond ,notes,bills,stocks,shares,

 

[John7371]

Inflation risk, its lower return will not keep pace with inflation

Ukizungumza kwa mwelekeo huo,ni kwamba kila asset ina some form of risk.