Sasa kama umesoma up to masters level I assume unayafaham haya yote, hukutakiwa hata kuanzisha hii debate au kudiscourage wanaowekeza huko hata kwa udogo wa investments zao…Kwenye issue za personal finance and investments , there is no right or wrong, decisions zinategemea na malengo ya mtu binafsi, kwa mfano mm nina 2M zangu huwezi ukaniambia nisiweke Utt niweke kwenye bussiness huwezi jua , malengo yangu ni nn au strategies zangu ni zipi…Kusema Money Market yetu bado sanaaa ni kweli ndio tunaendelea kukua huwezi kulinganisha DSE na NYSE ,LSE au HKSE…But kuna hatua tumepiga tofauti na 5-10 yrs back, kuna watu wamemake Millions through Money Markets za Tanzania, huwezi kuundermine the progress!!….