Kupitia UTT, Ninahitaji milioni 2 kila mwezi

Ego is the Enemy · Sep 22, 2022

KingOligarchy said:
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.
View attachment 2364472

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)

View attachment 2364497

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"

I like you dude. I feel to be connected with you. May you allow pls. Sema Kuna points fulani sijakuelewa mie huwa Ni hard magnet kidogo yaani hard to understand and hard to lose.

Can I reach you privately?

Ila nashukuru umeniambia vitabu ivyo nashukuru nitavipitia ninavyo kwenye arsenal yangu ya books.

Ego is the Enemy · Sep 22, 2022

KingOligarchy said:
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.

Tucheki bonds ama hatifungani inatoa interest ya ngapi let say 10yrs, na je na huo mkopo unalipwa kwa interest ya % tuseme umechukua mkopo wa miaka 10. Tuangalie hapa hii interests rate differences je Ni positive or negative kwako.

Kuna ishu nyingine naijua iko Kama hii Ila hii Ni kuwa waweza kuta interest rate ya Japan iko down let say 2% na ukakopa billions of yen unaenda kukopesha banks za America mfano saivi USA interest rate imetolewa Jana na FOMC iko 3.25%. so hapa wewe unapata 1.25% profit ya hela uliyokopa.
Inaitwa interest rate differences unaweza ukapata faida ama ukapoteza Sasa inatakiwa ujue unanunua bond za government ipi.

Yaani nairudia kusoma Uzi wako Mara nyingi iwezekanavyo.ili hii point I soak kabisa kabisa

Southern Highland · Sep 22, 2022

Beberu said:
Nimecheck na calculator majibu ni utakuwa na 741M View attachment 2364446

Sent from my 220333QAG using JamiiForums mobile app

Mkuu samahani kama nitakua nakusumbua.

Million 200 baada ya miaka 10 itakua na thamani gani au hii million 200 ya sasa miaka 10 nyuma ilikua na thamani gani kwa kuzingatia inflation, deflation na factor zote wanazozingatia

Southern Highland · Sep 22, 2022

Beberu said:
Nimecheck na calculator majibu ni utakuwa na 741M View attachment 2364446

Sent from my 220333QAG using JamiiForums mobile app

Kiukweli sio biashara mbaya yan baada ya hiyo miaka nakuja kupata mil 700+ na bado kila mwezi napokea 2M+

Southern Highland · Sep 22, 2022

MoseKing said:
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.

Mkuu nadhani huelewi maana ya UTT, Dhima kuu ni kufanya uwekezaji wa pamoja yan badala kila mtu kivyake akaweke 50k, mwingine 3M, mwingine 10M kivyake kwenye fixed au government bonds na ukapata pesa kidogo wao UTT wanazikusanya zote hizo wanaenda kuzisambaza katika sehemu tofauti then upate interest kubwa.

Niliwahi kuweka Mil 8 fixed account ya mwaka mzima nilipata laki 3 isiyozidi laki 4 sasa kama ningepeleka UTT ningekua wapi saivi tena hapo ilikua mwaka 2016 baada ya kupokea pesa ya mirathi.

lunatoc · Sep 22, 2022

keisangora said:
Naomba niongelee hapa sio kuwa naku attack Bali naongelea iyo Hali ya ubongo kila mtu anayo Ila inatakiwa ujue why una feel ivyo.

Yaani hao wamesoma economic behavioural,wanajua how human being do we behave financially or when money comes in line as Engineer understands how the materials like iron,concrete , asphalt and soil behave when subjected into heat,snow,rain or conditions that may affect them functionality.
The same hao jamaa wamesoma how to play with your limbic brain /emotions minds. Najua huwezi nielewa kwa normal brain Ila you need another eye to see into what am talking.

Sasa hapo wanacheza na your limbic brain especially amygdala ambayo Ina bypass information into thinking brain so unakuwa unaamuwa emotionally na usikute unawekewa na mwanamke hapo bonge la kifaa mazafaka sketi iko juu ya goti na paja jeupe lazima udindidindiii, titi Ilo limekubali even hata Plastic surgery liko saa sita na akaku hug ama mkakaa naye kwa sofa la watu wawili Mara hapo Kuna tv Ina movie ama nyimbo matata laini hata Celine Dion. Mtt ananunua perfume anaonekana Kama anajikomba kwako ili akufahamu anakujaza hapo kuwa unaonekana kuwa wewe Ni hard worker let say Johnson,una kazi nzuri anakuwa anakusifiasifia na kukushika bega smt.

Sasa wakisha trigger emotion fulani ndani ya ubongo wako ambayo Ni kutokana bodychemistry ambayo inakufanya unakuwa na rah,furaha mno ,unajisikia kuwa wewe ndiye kidume umependwa umeshobokewa na mtt mkali na kishakuomba namba ama amekuomba business kadi.
Iyo chemical inaitwa dopamine ambayo inakufanya una feel euphoria yaani kuwa euphoria Ni kuwa juu ya dunia ,you can walk on the water, you're better than any human being.
So iyo euphoria inafanya kazi yake inachochea na wewe unakuwa na ego Tena Ile ya kujiona kidume kuwa umeyawezea maisha u mjanja na mwerevu kuliko Elon Musk ama adani Kama sio Jeff Benzos.

Sasa ukishakamatwa na hizo two human emotions huchomoki nakuapia niga. Utashangaa umepewa interests ndogo mno even ya 4-8% per year. Unawapa hizo 500M kiulaini na huku ukapewa viji incentives fulani like crdb/nmb hat,tisheti,begi,kalamu,kikombe,n.k huku na maneno kedekede just to feed your ego those words are fodders to filll your bank accounts of your ego and euphoria yako lakini huku wao waki fill their bank accounts za hela wewe una fill bank account of your emotions ndugu. Hili Ni kweli tupu.

Sasa si umewapa hela kwa kukufanya uwe kidume na mtt mkali anapiga marashi ambayo Ana Oda uk direct yanakuja na flight yaani utadhani yametoka kuzimu na umekaa room iliyo na ac na air fresh yenye harufu nzuri kwa ajili ya ku trigger your stressors/organs sensory zako.

Baadaye wanapata lijamaa moja wanalitembelea lenye assets na cash flow ya Mana na huyo huyo mdada Tena wanaweza wakamfuata na v8 wakamshawishi Kuna 500M jaza fomu uchukue hela tupatie 15- 20% interest kwa mwaka.

Sasa cheki wenzako waliosoma unadhani walienda kuuza sura chuo na kuwaza deodorant
We we unapewa 5/100 times 500M kwa mwaka unakitu like 25M tow 10% withholding tax bet yako Ni 22.5M ukigawa kila mwezi almost wanakuwa wanakupa kitu Kama 22.5/12 =1.875M.

Wao net yao Sasa kwa aliyekopeshwa tuje 15/100 times 500M wanayo 75M wakitoa ya kwako 25 wanabakia na 50M. Kwa miaka mitano wanayo 250M almost half bilioni huku wewe unayo 125M.

Sasa cheki ilo gepu kwa ujinga wako wa kupewa chai or tangawizi ya asali na keki ama na biscuits za asa mour. Gharama zake wewe umepoteza nyingi wao wanapata nyingi.

Financial literacy imefichwa kwa wachache mno.
Elewa Kuna automatic maneuvering among ourselves,bear in your mind people eats people always. We're no any different from how predator kills and eats prey. So where are you in financial chain are you prey or predator. Kuwa predator you've to be strong both mind, mental and brain.

Naomba mno nipate billions of dollars niajiri watu yaani Basi tu wafanyakazi wangu watakuwa wananifurahia wanagkmbania Kuja kufanya kazi kwangu.

Mana I know what people need.

So usijione kuwa u mjanja ama Ni Raha kumbe Ni vice versa. Wao wanapeleka watt wao uk Sydney Madrid Paris kusoma wa kwako unapeleka kwa mtoghole tandika wanaishia udsm unajiona u kidume.

Sio kila MTU ni mfanyabiashara

Ego is the Enemy · Sep 22, 2022

KingOligarchy said:
CFA

Kumbe tuna certified financial advisor. Big up mkuu duu kweli mko wachache mno.

Southern Highland · Sep 22, 2022

TEAM 666 said:
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.

Tuulize tulionunua hisa za Voda kila ukiweka sokoni haziuziki. Na wakati UTT ukitaka pesa zako ni ndani ya 5-10 work days unapokea mzigo wako.

Ukinunua hisa unakua na wewe ni sehemu ya umiliki wa kampuni husika na ndio maana unaalikwa kwenye annual meetings kwa hiyo kupanda na kushuka kwa thamani ya hisa lazima uhusike kwa sababu na wewe ni mmiliki lakini vipande vya UTT ni tifauti kwa kwa sababu uwekezaji unafanywa kwenye makampuni yanayofanya vizuri sokoni na pesa yenyewe inagawanywa sehemu tofauti tofauti.

Kwangu naona bora nikawekeze UTT kuliko hisa

Mangungo II · Sep 22, 2022

mzabzab said:
Mifuko yote mizuri ukiwa na million 500. Ata fixed deposit nzuri tuu ukiwa na million500. Kwanza ukiingia bank wanakupa na chai na cake. Kuwa na hela raha sana

Na namba ya bank teller yule mzuri kuliko wote utapewa hata kama mke wa mtu.

TEAM 666 · Sep 22, 2022

Southern Highland said:
Tuulize tulionunua hisa za Voda kila ukiweka sokoni haziuziki. Na wakati UTT ukitaka pesa zako ni ndani ya 5-10 work days unapokea mzigo wako.

Ukinunua hisa unakua na wewe ni sehemu ya umiliki wa kampuni husika na ndio maana unaalikwa kwenye annual meetings kwa hiyo kupanda na kushuka kwa thamani ya hisa lazima uhusike kwa sababu na wewe ni mmiliki lakini vipande vya UTT ni tifauti kwa kwa sababu uwekezaji unafanywa kwenye makampuni yanayofanya vizuri sokoni na pesa yenyewe inagawanywa sehemu tofauti tofauti.

Kwangu naona bora nikawekeze UTT kuliko hisa

Point ya msingi itabakia palepale UTT Na hisa za voda nk haina utofautiiii

OVER

Southern Highland · Sep 22, 2022

KingOligarchy said:
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.
View attachment 2364472

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)

View attachment 2364497

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"

It is honour to have you here. Shusha NONDO mkuu niko na kalamu naandika

KingOligarchy · Sep 22, 2022

keisangora said:
Kumbe tuna certified financial advisor. Big up mkuu duu kweli mko wachache mno.

CHARTERED FINANCIAL ANALYST MKUU!

Southern Highland · Sep 22, 2022

TEAM 666 said:
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.

Kwani pesa wanazokusanya UTT zinapelekwa wapi?

pmwasyoke · Sep 22, 2022

Southern Highland said:
Habari za wakati huu wapambanaji na msio wapambanaji. Naomba mwenye uelewa zaidi anisaidie katika hili hasa kupitia hii mifuko ya uwekezaji wa pamoja.

Ni kupitia mfuko gani wa UTT nitaweza kupata shilingi million 2 kila mwezi na kwa mtaji kiasi gani. Pia niliwahi kusikia unaweza kukopa bank kwa kupitia malipo haya ya kila mwezi.

Msaada wapambanaji

Ukiweka zaidi kidogo ya Sh mil 200, tuseme 230,000,000 hivi bond fund, na kuchagua option ya kulipwa kila mwezi, hitaji lako utakuwa umelipata.

Iwapo umeamua hili kwa dhati, jihadhari kushawishiwa na wanaokushauri kufanya biashara hii au ile - maana biashara nazo zina wenye kuzijua mizingu yake - si kila mtu anaziweza.

KingOligarchy · Sep 22, 2022

Concepts Ndogondogo watu wanazoingia chaka
1. Saving
2.Investment (Uwekezaji)
3. Business (Biashara)
4. Treasury Bond (Hatifungani za serikali)
5. Corporate Bond (Hatifungani za makampuni e.g NMB Jasiri Bond)
6. UTT Amis (UTT Asset Management and Investor services )- tunamrefer kama fund manager unaweka hela kwake anainvest on your behalfs then analeta matunda toto tundu mule
7. The Dar es salaam stock exchange- Soko la Hisa la Dar es salaam , lina bidhaa kuu mbili Hisa na Hatifungani (Soko la upili ama we can it secondary market)
8. Vipande vs Hisa vs kuponi - Hizi ni dhana tatu tofauti vipande sio Hisa naona kuna mkanganyiko hapa
9. Liquidity - uwezo wa kubadili asset kwenye cash, naona kuna malalamiko ya Liquidity ya vodacom lakini haina maana share zingine haziko liquidy counter safi kabisa ni zenye wingi wa Outstanding Bid na Outstanding offer kwenye Daily market report inayotoka sa kumi na moja kwenye website ya dse
10. Bond fund (UTT) vs Bond (BOT) - Bond Fund ni moja ya mfuko wa utt, nikimaanisha gharama ya kununa bond minimum ni 1 mil , so utt anakusanya vihela vidogodogo vya walalahoi kwenye mfuko mmoja then anainvest on behalf (collective investment scheme) CIS , Nona kuna mkanganyiko hapa

KingOligarchy · Sep 22, 2022

keisangora said:
Tucheki bonds ama hatifungani inatoa interest ya ngapi let say 10yrs, na je na huo mkopo unalipwa kwa interest ya % tuseme umechukua mkopo wa miaka 10. Tuangalie hapa hii interests rate differences je Ni positive or negative kwako.

Kuna ishu nyingine naijua iko Kama hii Ila hii Ni kuwa waweza kuta interest rate ya Japan iko down let say 2% na ukakopa billions of yen unaenda kukopesha banks za America mfano saivi USA interest rate imetolewa Jana na FOMC iko 3.25%. so hapa wewe unapata 1.25% profit ya hela uliyokopa.
Inaitwa interest rate differences unaweza ukapata faida ama ukapoteza Sasa inatakiwa ujue unanunua bond za government ipi.

Yaani nairudia kusoma Uzi wako Mara nyingi iwezekanavyo.ili hii point I soak kabisa kabisa

Mkuu we ni PM haina tatizo, Lakini ukianza kuongelea kuhusu mikopo ya Multi currency , hapo ni kuna changamoto na kunarisk mbalimbali za kuhedge mfano tu exchange rate rISK maana yake lazima uicover na forward contract. close look to impact ya kenya airways due to hedging failure A close look at the role of fuel hedging in Kenya Airways’ Sh26bn loss.

So nisiweke mambo mengi, what i wanted to say is "in a nut shell" wewe ni muajiriwa? upo kwenye vicoba? saccos? if theres a way u can get a loan/mkopo wa single digit interest mfano wafanyakazi wa mabenki wanakopeshwa hadi 5%, Saccos nyingine zinatoa 4 times amount uliyoweka plus 7% interest. unachofanya unaangalia tofauti kati ya TBond ya 25 years na Mkopo rate unayopewa , for example TBond 12.56 vs Saccos 7% difference 5,56% , so take the biggest amount utakayoweza kupata hata 1 Billion baba then nunua bond the interest + principal bond itajilipa bila wewe kufanya kitu baada ya miaka michache we ni mbuzi choma kwenye viti virefu.

Bond za kununua ni 20 na 25 Years tu ! PERIOD
So hakuna kununua bond zaidi ya hizo kama wewe ni retail, kumbuka LIQUIDITY ndo mpango mzima
Rejea: Buying 25 years Bond haimaaniishi ukae nayo miaka 25 unaweza nunua leo ukauza kesho... sasa kama ndo hyo why are u buying 10Y Tbond? Seriously.....

Dr Rutagwerera Sr · Sep 22, 2022

The most undisputed investments kwangu ni kwenye real estate. Government bonds ni nzuri kuliko fixed deposit za kwenye mabenki. Kwangu nina recommend bonds hasa kwa wastaafu. Mtu miaka kenda kadumu kwenye utumishi, hajawahi kuwa hata na duka la pembejeo, anastaafu anataka kufanya biashara. Weka pesa yako kwenye govt bonds, punguza matumizi ishi maisha ya retiree.

Ego is the Enemy · Sep 22, 2022

KingOligarchy said:
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

Doubt nyingine bwana Honourable CFA Russian Hooligans Oligarchy iyo ya interest rate ya 140M ya benki labda unaweza ikawa let say 15% kwa mwaka na wao wanaotaka kila mwezi wanakata hela yao.

Sasa bond interest rate unayolipwa Ni 12.8% labda ya miaka 10. Na Hawa bond wanakulipa faida quarterly/semi annually Sasa hapo itakuwaje mbona kama Kuna gepu utatoa hela nyingi benk. Mana Kuna difference ya interest rate ya 15-12.8=2.2% huoni kuwa utakuwa unatoa nyingine nje ya hiyo hela ili kui compesate.
Ama Ile hela uliyokopa ukajengea uanapata Kodi unasaidizana na bond interest rate ili kucover iyo mkopo wa bank.ama kwa vile hela ya bank itakuwa ndogo kuliko Ila riba Ni kubwa inafidiwa na hela ya bond Ni kubwa Ila rate Ni ndogo so Ina fidiana.

Ama utaongezea na Kodi ya nyumba ili kulipa mkopo. Please more explanation.

YEHODAYA · Sep 22, 2022

Beberu said:
Ukiwa na Bond Fund
Mtaji 200M
Kwa mwezi utapata hio 2M bila shida kabisaaa tena itakuwa inaenda inaongezeka

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Uongo hakuna Bond inalipa kila mwezi

Dr Rutagwerera Sr · Sep 22, 2022

YEHODAYA said:
Uongo hakuna Bond inalipa kila mwezi

Acha ujuaji. Unauliza. Nimewekeza UTT binafsi.

Kupitia UTT, Ninahitaji milioni 2 kila mwezi

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