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

[Gwandalized]

UKifa mwaka wa 9 ?

 

[Masikini_Jeuri]

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

Well labda sielewi kinachoita jibu hapa kinatakiwa kiweje........but nadanai wengi wamejikita kwenye udhaifu ama upungufu wa kilichodaiwa kuwa ni investment. n akimsingi si lazimamajibu yaendane!

 

[reandle]

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.

Hata usamehewe, lazima withholding tax itakuwa inakusubiri tu, imma faima!

 

[Chiwa]

hailipi has kwa kijana kuwaza utajiri wa chubwi!
kwa benki inawalipa sana tu kwa sababu wakiwekeza kwa mwezi kwa asilimia mbili tu kwa miaka kumi wana kama million 169 hivyo hakuna hasara kukupa mia kwa miaka kumi lakini binafsi hatuwezi kuishi na kuendesha maisha yetu kwa hela za kizembe! ila kumbuka mfumuko wa bei ni zaidi ya silimia 15% kwa mwaka hivyo jaribu kufikiria utakuwa umepoteza kiasi gani wakati ukitulia kwa mwezi unaweza ukazalisha na ukapata faida ya zaidi ya asilimia 20 na ukawaajiri kwa njia moja au nyingine watanzania wenzako mara 7( multiplier effect)

 

[Maundumula]

Hata usamehewe, lazima withholding tax itakuwa inakusubiri tu, imma faima!

10% mzazi

Na inflation 10% inakuwa noma kabisa

 

[ureni]

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

S/NO	TENOR IN MONTHS	Monthly AMOUNT	MATURITY VALUE
1	12	50,000.00	636,634.45
2	24	50,000.00	1,332,197.75
3	36	50,000.00	2,103,727.20
4	60	50,000.00	3,895,385.08
5	120	50,000.00	9,711,090.52
1	12	100,000.00	1,273,268.89
2	24	100,000.00	2,664,395.51
3	36	100,000.00	4,207,454.41
4	60	100,000.00	7,790,770.15
5	120	100,000.00	19,422,181.03
1	12	500,000.00	6,366,344.46
2	24	500,000.00	13,321,977.53
3	36	500,000.00	21,037,272.04
4	60	500,000.00	38,953,850.75
5	120	500,000.00	97,110,905.15
6	120	515,000	100 mn

Asante.

Hii imetulia sana ngoja niifuatilie kwa akiba ya matumizi ya hapo baadae.

 

[King’asti]

Siku hizi unajua hesabu za kugawanya eeh?
Sasa ungejenga hata kibanda si ungepata hiyo faida? Ama ukifanya biashara ya mama ntilie? Milioni 100 ya leo kwa madafu haya itakuwa na thamani gani 10 years to come?

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?

 

[Kibanga Ampiga Mkoloni]

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?

kak unasahau na thamani ya hiyo 100ml miaka kumi ijayo itakuwa nini?
Unaweza kukuta ni bei ya MKATE kwa serekali yetu hii!

 

[Kibanga Ampiga Mkoloni]

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

H.

Kama ni kweli basi inahusika!

 

[sun wu]

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?

true its very possible, tena hapo na risk ni kubwa sana sababu hujui kama kweli utapata hizo pesa zako, so its not as free lunch as the guys said.., kwa mtu ku-invest such sum he should be given that amount or more, sababu he/she is taking a big risk (benki inaweza kufa ati..)

 

[sun wu]

Siku hizi unajua hesabu za kugawanya eeh?
Sasa ungejenga hata kibanda si ungepata hiyo faida? Ama ukifanya biashara ya mama ntilie? Milioni 100 ya leo kwa madafu haya itakuwa na thamani gani 10 years to come?

Wakuu nadhani hapa tunakosea kitu kimoja.., its true kwamba return sio ya kutisha kivile ila tunasahau kwamba kuna watu wanapesa zimekaa tu hata hawajui wazifanyie nini, mbaya zaidi zipo kwenye savings account ambapo kila mwezi wanakatwa service, inflation na mengineyo ambayo mwisho wa siku ni kwamba pesa yao inapungua kila mwezi.. Hivyo basi kwa watu kama hao hii fixed account sio mbaya (kama benki ina guarantee) sababu kuna uhakika kwamba pesa yake itaongezeka after 10 years kuliko biashara ina-involve risks na huenda muhusika hawezi kufanya biashara..

Kwahio its not a dumb idea, maybe its not a good idea to you ila wapo ambao inawafaa (those who can not invest themselves and are not waiting kwa Kampuni kama NiCO kuwatapeli)

 

[Gibbs]

interest ni 6% inflation ni zaidi ya 15% inamaana ukiweka 100000 inashuka thamani kwa at least 9%
Hiyo mil 100 haitakuwa na thamani hiyo maana purchasing power yake itashuka mara dufu

This is a scam you should invest in shares every month or forex

 

[sun wu]

interest ni 6% inflation ni zaidi ya 15% inamaana ukiweka 100000 inashuka thamani kwa at least 9%
Hiyo mil 100 haitakuwa na thamani hiyo maana purchasing power yake itashuka mara dufu

This is a scam you should invest in shares every month or forex

Mkuu seriously are you serious.., kuna guarantee gani kwamba hizo shares hazitashuka, au kampuni kufa.., hapo kwenye forex ndio kabisa its gambling hakuna uhakika wewaze kujikuta umepoteza kila kitu..

In short the most low risk investment ni government bonds ambazo na zenyewe return yake ni ndogo sana tena sana..., kwahio mkuu hakuna cha scam hapa you get what you are putting and all of these are investment vehicles ambazo zina advantage na disadvantage zake

 

[miva]

Bt why they have left other factors, there considering only a steady growth of economy,which is nt applicable in Tz

 

[Elisha Ray]

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.

You are right mate, kuna watu humu wao sidhani hata kama huwa wanaelewa kinachoulizwa at times kwani ukisoma swali na majibu wanayotoa hayaendani. Kama mtu huelewi uliza au achana na hilo swali kama huna jibu lake. Waweza kujibu then ukatoa ushauri unaoona unafaa lakini sio kukimbilia kwenye majibu ambayo hayana msaada kwa mtu aliyeuliza na wengine wanaoweza kufaidika kutokana na swali lililoulizwa. Laki 5 kila mwezi for ten years siyo mchezo kwani in a way ni savings as well as investment kutokana na what you are going to get after those 120 months.. Anayeweza kuwa msaada hapa asaidie otherwise jinyamazie tu usikimbilie kukatisha watu tamaa wakati huelewi kilichoulizwa...

 

[moghaka]

interest ni 6% inflation ni zaidi ya 15% inamaana ukiweka 100000 inashuka thamani kwa at least 9%
Hiyo mil 100 haitakuwa na thamani hiyo maana purchasing power yake itashuka mara dufu

This is a scam you should invest in shares every month or forex

YOU ARE QUITE RIGHT BY 110% In any investment you must consider among the followings:- Risk associated, Inflation or Time Value Of Money, Cost Of Capital, Tax etc and compare to other alternatives by making analysis using different methods like NPV.IRR, PBP etc.