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Invest A=Tshs 500,000 / month and get F=100 million after 10 years (n=120 periods) with one TZ Bank

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by udasa99, Mar 4, 2012.

  1. u

    udasa99 Member

    #1
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    Nakumbuka kusoma kwenye internet miezi kadhaa iliyopita kuhusu benki moja ya Tanzania ilianzisha account (investment vehicle/product) ambayo unalipa Tshs laki tano kila mwezi kwa miaka 10 (miezi 120) na baada ya miaka 10 benki inakupa Tshs millioni 100. Sikumbuki kama ilikuwa ni gazeti online au blog ila ninaomba kama kuna mtu anaweza kuwa na link au kukumbuka gazeti ili isaidie kwenye google search. Nimejaribu ku google hiyo article sijaipata. Naomba kama kuna mtu anaweza kukumbuka iko wapi anisaidie kuiweka hapa jamiiforums.

    Asante.
     
  2. S

    Stuxnet JF-Expert Member

    #2
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    Forget about easy money.........There is no free lunch in investment
     
  3. Masikini_Jeuri

    Masikini_Jeuri JF-Expert Member

    #3
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    I concur wit you Stuxnet.........we should be thinking of investing our efforts in wealth creation and not free rides like that..............na come to think of it kama investment ya nammna hii na unaouwezo ku generate pure profit ya kiasi gicho kwa mwezi ...............yaaani kwa hesabu ya kawaida ukiizidisha hiyo utakuwa mabali sana in just five yrs..............leat alone 10 yrs!

    Wito:

    jamani tujishughulishe na utengenezaji kwa kazi ili zituletee kipato....hakuna njia ya mkato ; ni kufanya kazi kwa biddi na kujituma!
     
  4. Husninyo

    Husninyo JF-Expert Member

    #4
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    that's not easy lakini. Laki 5 kwa miaka kumi inamaana itakuwa ni 60m. Kama benki wanakulipa 100m inamaana ivestment uliyofanya imeproduce 40m.
    Ukigawanya 40m kwa miezi yote 120 unapata 333,333. That means laki tano inaproduce amount hiyo each month. Is that not possible?
     
  5. mzurimie

    mzurimie JF-Expert Member

    #5
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    mtu kauliza kitu nyie wa juu mnakuja na majibu hayaendani

    KWANI KAWAOMBA USHAURI? MNAJUA KWA NINI KAULIZIA?

    si mngemuuliza awajibu ndio muongee mambo yenu kama yangemuhusu?

    kama hamna jibu nyamazeni... phwuuu michosho
     
  6. u

    udasa99 Member

    #6
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    Sijui kwa nini baadhi waanafikiri hii ni easy money. It is not easy money, this is just an investment like any other, and it's rate of return is not over the board. Kama ukiwa na biashara ambayo una invest 500,000 kila mwezi na inakupa compunded interest ya 10% annually, unapata zaidi ya hiyo hela. It is not a get rich quick scheme but is not a bad investment. Kumbuka pia hii inaweza kuwa for savings kwa ajili ya kusomesha watoto au tu kuwa na financial freedom miaka ya uzeeni. As a matter of fact CRDB waana product ambayo itatoa faida kwa rate ambayo ni about half ya hiyo (about 4.5%) kama ukiweka a minimum of 100 million kwa wakati mmoja.

    Kumbuka unaongelea miaka kumi. Msisaahau kuwa kuna time value of money. Ukifanya mahesabu utaona hiyo ni about 10% per year return. With the inflation rate in Tanzanaia, if you calculate he real interest, given the market interest rate (for this case 10%), the real rate of return might as well be negative. In other words, the purchasing power 10 years from now will be severely diminished such that 100 million will be able to do little than what 50 million could do now. Kumbuka 10 yrs ago mfuko wa cement uliuzwa kiasi gani. Au exchange rate ya dolar ilikuwa kiasi gani.

    Narudia swali langu, kama kuna mtu anakumbuka ni benki gani inatoa hiyo product anijulishe hapa jukwaani. Ninataka kumsaidia rafiki yangu.

    Asante.

    Udasa.
     
  7. enhe

    enhe JF-Expert Member

    #7
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    Hao ndio wanaojiita magreat thinkers mabingwa wa kukosoa na si kujibu maswali...hay bwana sidahani kama kwa mwendo huu tutafika........
     
  8. u

    udasa99 Member

    #8
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    Hatimaye nimepata link. Ni Exim Bank. Link hiyo hapo chini;

    http://www.eximbank-tz.com/Retail/Account/Haba na Haba.php


    HABA NA HABA

    What is Haba Na Haba (Recurring deposit)?

    EXIM Bank Haba Na Haba account is a product designed to give real savers a wholesome benefits

    For Who

    * Can be opened by individuals, salaried and business people.
    * People tend to leave the salary/savings money in their salary/personal account.
    * You can authorize Exim bank to set aside a small portion of the balance in salary/personal saving account every month for a fixed period ranging from 12months to 120 months.
    * The minimum opening balance is TZs 20000 and $ 100 for individuals and Corporate customers 1M TZs and $1000

    What are the benefits

    * Haba na Haba Account is the unique deposit account for real savers
    * Encourages regular savings habit
    * It has an additional attractive interest and loan option
    * No ledger fee or operating costs
    * Free standing/ authorizing instructions for monthly transfer from your account
    * The account can be used as collateral for raising loans from bank
    * Free monthly bank statement

    How to buy it

    * You need to open Haba na Haba account and a savings/salary account
    * Existing customers need to open only Haba na Haba account
    * If you are new customer, please bring the following 1) your ID card2 passport sized with blue background

    How Your money grows

    [TABLE="class: Text_body_black"]
    [TR="class: Text_body_blue_bold"]
    [TD="width: 63, bgcolor: #e7e7ef"]S/NO[/TD]
    [TD="width: 155, bgcolor: #e7e7ef"]TENOR IN MONTHS[/TD]
    [TD="width: 145, bgcolor: #e7e7ef"]Monthly AMOUNT[/TD]
    [TD="width: 154, bgcolor: #e7e7ef"]MATURITY VALUE[/TD]
    [/TR]
    [TR]
    [TD="bgcolor: #eaeaea"]1[/TD]
    [TD="bgcolor: #eaeaea"]12[/TD]
    [TD="bgcolor: #eaeaea"]50,000.00[/TD]
    [TD="bgcolor: #eaeaea"]636,634.45[/TD]
    [/TR]
    [TR]
    [TD="bgcolor: #eaeaea"]2[/TD]
    [TD="bgcolor: #eaeaea"]24[/TD]
    [TD="bgcolor: #eaeaea"]50,000.00[/TD]
    [TD="bgcolor: #eaeaea"]1,332,197.75[/TD]
    [/TR]
    [TR]
    [TD="bgcolor: #eaeaea"]3[/TD]
    [TD="bgcolor: #eaeaea"]36[/TD]
    [TD="bgcolor: #eaeaea"]50,000.00[/TD]
    [TD="bgcolor: #eaeaea"]2,103,727.20[/TD]
    [/TR]
    [TR]
    [TD="bgcolor: #eaeaea"]4[/TD]
    [TD="bgcolor: #eaeaea"]60[/TD]
    [TD="bgcolor: #eaeaea"]50,000.00[/TD]
    [TD="bgcolor: #eaeaea"]3,895,385.08 [/TD]
    [/TR]
    [TR]
    [TD="bgcolor: #eaeaea"]5[/TD]
    [TD="bgcolor: #eaeaea"]120[/TD]
    [TD="bgcolor: #eaeaea"]50,000.00[/TD]
    [TD="bgcolor: #eaeaea"]9,711,090.52[/TD]
    [/TR]
    [TR]
    [TD="bgcolor: #d1d4e5"] [/TD]
    [TD="bgcolor: #d1d4e5"] [/TD]
    [TD="bgcolor: #d1d4e5"] [/TD]
    [TD="bgcolor: #d1d4e5"] [/TD]
    [/TR]
    [TR]
    [TD="bgcolor: #eaeaea"]1[/TD]
    [TD="bgcolor: #eaeaea"]12[/TD]
    [TD="bgcolor: #eaeaea"]100,000.00 [/TD]
    [TD="bgcolor: #eaeaea"]1,273,268.89 [/TD]
    [/TR]
    [TR]
    [TD="bgcolor: #eaeaea"]2[/TD]
    [TD="bgcolor: #eaeaea"]24[/TD]
    [TD="bgcolor: #eaeaea"]100,000.00 [/TD]
    [TD="bgcolor: #eaeaea"]2,664,395.51 [/TD]
    [/TR]
    [TR]
    [TD="bgcolor: #eaeaea"]3[/TD]
    [TD="bgcolor: #eaeaea"]36[/TD]
    [TD="bgcolor: #eaeaea"]100,000.00 [/TD]
    [TD="bgcolor: #eaeaea"]4,207,454.41 [/TD]
    [/TR]
    [TR]
    [TD="bgcolor: #eaeaea"]4[/TD]
    [TD="bgcolor: #eaeaea"]60[/TD]
    [TD="bgcolor: #eaeaea"]100,000.00 [/TD]
    [TD="bgcolor: #eaeaea"]7,790,770.15[/TD]
    [/TR]
    [TR]
    [TD="bgcolor: #eaeaea"]5[/TD]
    [TD="bgcolor: #eaeaea"]120[/TD]
    [TD="bgcolor: #eaeaea"]100,000.00 [/TD]
    [TD="bgcolor: #eaeaea"]19,422,181.03[/TD]
    [/TR]
    [TR]
    [TD="bgcolor: #d1d4e5"] [/TD]
    [TD="bgcolor: #d1d4e5"] [/TD]
    [TD="bgcolor: #d1d4e5"] [/TD]
    [TD="bgcolor: #d1d4e5"] [/TD]
    [/TR]
    [TR]
    [TD="bgcolor: #eaeaea"]1[/TD]
    [TD="bgcolor: #eaeaea"]12[/TD]
    [TD="bgcolor: #eaeaea"]500,000.00 [/TD]
    [TD="bgcolor: #eaeaea"]6,366,344.46[/TD]
    [/TR]
    [TR]
    [TD="bgcolor: #eaeaea"]2[/TD]
    [TD="bgcolor: #eaeaea"]24[/TD]
    [TD="bgcolor: #eaeaea"]500,000.00 [/TD]
    [TD="bgcolor: #eaeaea"]13,321,977.53[/TD]
    [/TR]
    [TR]
    [TD="bgcolor: #eaeaea"]3[/TD]
    [TD="bgcolor: #eaeaea"]36[/TD]
    [TD="bgcolor: #eaeaea"]500,000.00 [/TD]
    [TD="bgcolor: #eaeaea"]21,037,272.04[/TD]
    [/TR]
    [TR]
    [TD="bgcolor: #eaeaea"]4[/TD]
    [TD="bgcolor: #eaeaea"]60[/TD]
    [TD="bgcolor: #eaeaea"]500,000.00 [/TD]
    [TD="bgcolor: #eaeaea"]38,953,850.75 [/TD]
    [/TR]
    [TR]
    [TD="bgcolor: #eaeaea"]5[/TD]
    [TD="bgcolor: #eaeaea"]120[/TD]
    [TD="bgcolor: #eaeaea"]500,000.00 [/TD]
    [TD="bgcolor: #eaeaea"]97,110,905.15 [/TD]
    [/TR]
    [TR]
    [TD="bgcolor: #eaeaea"]6[/TD]
    [TD="bgcolor: #eaeaea"]120[/TD]
    [TD="bgcolor: #eaeaea"]515,000[/TD]
    [TD="bgcolor: #eaeaea"]100 mn[/TD]
    [/TR]
    [/TABLE]


    Asante.
     
  9. Maundumula

    Maundumula JF-Expert Member

    #9
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    Lete habari kamili, hiyo amortization ya miaka ngapi ndiyo kitu ina mature
     
  10. Maundumula

    Maundumula JF-Expert Member

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    Hii ni scheme nzuri ya kuandaa pensheni binafsi
     
  11. Mtoboasiri

    Mtoboasiri JF-Expert Member

    #11
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    Husninyo mpenzi (oops! Mpendwa) wangu, you'll be lucky kupata return ya 10% monthly let alone more than 50% hiyo unayoi-advocate! Hiyo itakuwa ni deci!
     
  12. u

    udasa99 Member

    #12
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    Habari imejitosheleza. Chukua muda usome vizuri the whole post utaielewa. Hilo jedwali linaonyesha number of months (2nd column), monthly contributions (3rd column), na maturity value (Future value) in the last column. Kama unavyoona the rate of return is the highest when you sign up for the longest period (n=120 months, i.e., 10 years). Ila mimi sio msemaji wa hiyo benki na wala sio mteja wao, nimeweka link unaweza kuwasiliana nao.

    Natumaini umeridhika Maundumula.

    Udasa.
     
  13. Abdulhalim

    Abdulhalim JF-Expert Member

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    iko bomba, ngojea nkaulizie vizuri huko exim.
     
  14. u

    udasa99 Member

    #14
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    Hautoi laki tano mara moja. Unatoa laki tano kila mwezi for the next 10 years, i.e., 120 payments of 500,000 Tshs. Pia hakuna sehemu wanasema return ni 10% monthly, ila ukipiga mahesabu utaona ni about 10% annually. Fungua Excel na kwenye one of the cells type =FV(0.1/12,120,515000)

    Hapo kwenye hiyo Excel function, FV stands for future value, 0.1 = 10% annual return rate, 12 is number of payments per 10 years, also number of compounding periods, na 515000 ni monthly payments utakazokuwa unaweka kwenye hiyo savings account. Kama una maswali usiogope kuuliza ila sihusiani na hiyo benki na wala sio mteja wao.

    Angalia link ya benki kwa habari zaidi.
     
  15. Husninyo

    Husninyo JF-Expert Member

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    siwezi kubisha maana hakuna mtu aliyeona terms na conditions ya hiyo kitu zipo vipi. Wanaweza wakawa wanatoa m100 at the end of those 10yrs ila ukatakiwa kukatwa percent flani kufidia costs incurred.
     
  16. Husninyo

    Husninyo JF-Expert Member

    #16
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    ukiRIP inakuwaje?
    Ikitokea baadhi ya miezi umeshndwa kulipa nayo inakuwaje?
     
  17. Mtoboasiri

    Mtoboasiri JF-Expert Member

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    Well, hata ingekuwa inawezekana inflation effects of 10 years are likely to wipe out the gains in real terms! Kumbuka shilling ya leo si shilling ya miaka 10 ijayo. Ndio maana landlords Kenya huwa hawataki kulipwa more than two months in advance labda uwe unalipa kwa USD au foreign currency acceptable.
     
  18. u

    udasa99 Member

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    Hiyo ni sahihi ndio maana kwenye one of the post nimeeleza haya yafuatayo:
    Kumbuka unaongelea miaka kumi. Msisaahau kuwa kuna time value of money. Ukifanya mahesabu utaona hiyo ni about 10% per year return. With the inflation rate in Tanzanaia, if you calculate he real interest, given the market interest rate (for this case 10%), the real rate of return might as well be negative. In other words, the purchasing power 10 years from now will be severely diminished such that 100 million will be able to do little than what 50 million could do now. Kumbuka 10 yrs ago mfuko wa cement uliuzwa kiasi gani. Au exchange rate ya dolar ilikuwa kiasi gani.
     
  19. u

    udasa99 Member

    #19
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    Ni vizuri uulizie benki kwenyewe kama uko interested. Mimi sio mteja wao kwa hiyo sifahamu. Kuna mtu aliniambia niulizie ni benki gani.
     
  20. m

    moghaka Senior Member

    #20
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    Thank you UDASA99 You are a good lecture, Kama hautamuelewa udasa99 chukua hiyo message yake tafuta mtu akufafanulie ni muhimu sana kwa wajasiriamali wetu hasa wanaowekeza- investors
     
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