Tusahau ya kampuni ya NICOL, hii ndio biashara itakayotutoa sisi watanzania

[Ericus Kimasha]

...Mfano mkubwa kuna vijana wa Kitanzania kwa mamia sasa hivi wananunua maplot makubwa ya mashamba huku hawajui hata watayafanyia nini. Nilishuhudia jamaa yangu akitoa milioni 20 miaka miwili iliyopita kununua shamba ambalo hadi leo ni pori na sidhani kama amelitembelea katika huu mwaka. Hiyo hela angeipeleka katika mutual funds huenda angejipatia ka return kidogo, lakini the risk is too high. Vijana wanaona heri wamiliki ardhi ambazo huenda watakufa na kuziacha hazina hata mti wa mwembe kuliko hizo Mutual Funds

Huu uwekezaji wa kununua na kuhodhi ardhi bila kuindeleza una siku chache kukoma. Nimesoma mipango ya Big-Results-Now (BRN) kwenye Sekta ya Archi wanalenga kuongeza makusanyo maradufu. Hivyo wameainisha kodi kwa kila Sq mita ya ardhi iliyo na hati; iwe ya kimila au Serikali. Hizo kodi zao siyo mchezo! Kwa mtu mwenye hekali kama 10 zenye hati kijijini labda auze nyumba mjini ili aweze kuendelea kulipia ada ya ardhi!

Pamoja na hayo ardhi bado ni miongoni mwa maeneo machache sana ya uwekezaji nchini mwetu, yenye marejesho mazuri ambayo yanapanda (appreciate) kila uchao. Katika mkoa wowote ule, bei ya kipande cha ardhi haibaki sawa na inapanda kwa wastani wa 5-10% kila baada ya miezi sita. Haya ni marejesho ambayo huwezi kuyapata katika soko la fedha, hisa au dhamana. Labda ununue hisa kwenye IPO na ubahatiwe zipande mara tu ziingiapo sokoni na uziuze kama ilivyokuwa kwa TBL, TCC, na Twiga Cement.

 

[Ericus Kimasha]

C.T.U
Nimekuwa nikiuliza na kujiuliza kama Tanzania tuna Private Sector Pension Scheme na kote nilikouliza sijapata majibu. Nimehoji pia kama Sheria zetu hasa ya Social Security Act na Capital Markets and Securities Act kama zinatoa fursa hii.

Swali limepata jibu. Soma hapa: Ordinary Citizens Urged to Join PSPF!

THE general public has been advised to join the Public Service Pension Fund (PSPF)'s supplementary scheme which allows the pension fund to register members from both public and private sector.

The Bagamoyo District Commissioner (DC), Mr Ahamed Kipozi, commended PSPF for coming up with such a scheme that will allow those who are not contributing to any pension fund to join and save for their old age.

DC Kipozi made the remarks when closing a weeklong training session for PSPF officials on strategic communications and managerial leadership skills over the weekend.

He urged PSPF to conduct awareness campaigns on the supplementary scheme to the general public and more to the public in Bagamoyo to attract more members from all sectors.

The training conducted by a Tanzanian, teaching at the University of Maryland in the United States of America, Dr Nicholls Boas, who is a Professor of Communication and Public Policy, centered on communication skills, importance of involving subordinates and how to understand and solve problems at the office.

PSPF Acting Director of Administration, Mr Francis Mselemu, said the weeklong training has increased their skills in handling management issues, including how to communicate effectively with subordinates.

Mr Mselemu said this will help the pension fund management provide services effectively and efficiently, hence achieving its set objectives.

 

[Haika]

Mie nimmojawapo wa tulioelimika sana na post hii. Japo heading yake haijakuwa positive sana, it creates thinking.
Asanteni sana. Hizi ni tunu adimu JF siku hizi na ni bahati tu kukutana nayo (kama sindano kwenye manyasi).
however, mie bado kiu kukatika, je kiukweli nini sababu ya NICON kufa? ni ubinafsi tu wa kijinga na walio katika serikali? na decision making? je ni upungufu wa ujuzi wa management ya NICON? je ni ubinafsi na ukosefu wa dira sahihi ya management ya NICON? au ni ile stori ya kawaida kuwa NICON haiku na mtu muhimu wa kuikingia kifua?

Nadhani kama Watanzania wengi, mimi ni mmoja wapo ambao tulitaka kujiunga ila kwa kujivuta kwetu miguu, slowness, kutokuwa na elimu ya kutosha au msukumo wa kutosha mpaka leo tunadhani muda upo, la labda kesho tutainvest.

Mimi naamini sana katika unvestment kwa njia ya Mutual Funds. Naamini kuwa itatupa nguvu watanzania, ila bado nahisi sijafika pa kuandika cheque bado. Nisaidieni please.

 

[PESAYAKO]

Bila kuweka regulatory frame work inayoeleweka kwa kweli hizi kampuni za vipande hazitakuwa mkombozi wa watu wa chini na kati. Mara nyingi hizi Unit Trust zinakuwa ndio njia nzuri za kusaidia uwekazaji wa watu wa kati na chini kwenye soko la hisa na hivyo kuwafanya wawe hawaja achwa kwenye uwekezaji wa soko la hisa bila kuweka vizuri hii sector itakuwa vigumu kwa watu wa kawaida kushiriki vizuri na kutumia nguvu yao ya mtaji kuweza kufanya miradi mikubwa ya ndani.
Kuna hata hii ya kuweza kuinvest kwenye property wanaita Real Estate Investment Trust hii ni very tax efficient kwa kuwa investmentya kwenye hii fund faida yake amlipi coperation tax kwa hiyo inakuwa very tax effiency way ya kufanya investment ya project kubwa kama shopping mall, estates na office building complex.
Kikubwa tunaitaji fund manager ambao wako well qualified na sio watu wenye utaalamu wa uhasibu hapa ni vitu viwili tofautina hii ndio kitu iliyo haribu NICOL wamejaa watu ambao wnachojua ni account. Fund Manager unatakiwa uwe na maarifa ya investment na uwe na uwezo wa kuwa speculator mzuri na sio muhasibu na hapa ndio wabongo wnapochanganya mambo sio suala la kuwa na CPA au ACCA ni suala la kuwa investment analyst mnzuri amabaye unaweza kuwa speculator mzuri na unajua kuminimis risk vizuri na mwisho wa siku watu wanapata dividend nzuri na kila mtu anafurahi na kuchekelea. Sio mambo ya kuwa mtaalamu wa kukagua vitabu hivi ni vitu tofauti kabisa sio uhasibu.

 

[petermakatu]

Tatizo kubwa la watanzania ni uoga usiokuwa na maana. Wazo la mutual funds ni wazo zuri sana. Lakini hata wazo la Enterprise Growth Market, soko lililoanzishwa na Dar es Salaam Stock Exchange, ni wazo zuri sana. Kwa wale waliosoma finance wataniunga mkono kwamba hakuna uwekezaji usiokuwa na risk. Wengi wetu tunapenda kuwekeza leo baada ya muda mfupi tuanze kupata gawio. Haiwezekani. Lazima tufikirie uwekezaji wa muda mrefu. Ninakubaliana na mchangiaji mmoja aliyesema mojawapo ya matatizo yetu ni fikra za kijamaa ambazo bado ziko vichwani mwetu. Tukikubali risk taking tutaweza kusonga mbele. Hatujachelewa.

 

[Kiresua]

mm naumiza sana kichwa kupata sehemu ninayoweza kuwekekeza vijisent vyangu ili niweze kukudhi mahitaji yangu ya kila siku na kuwa na uhakika wa maisha ya standard njema baadae!

nikifuatilia uzi huu unanivutia sana ila swali linabaki kuwa return yake iko chini sana, nitaweza kuacha kuuza unga na peremende ambao kwa mtaji wa mil 4. nweza kupata lak 4 solid kila mwezi baana ya kutoa operation cost zote kwa maana nyingine in one year nakuwa na 4.8 mil retur 120% ingawa security yake ndio hiyo tena, mara uibiwe labda ukae mwenyewe! hizi ni risks ambazo zipo kwenye kila investment.

kWA mifumo yetu ya TZ jamani ni vizuri kufikiria BIG kwenye MF!

Naomba mwenye uzoefu wa returns za UTT ambao ni moja ya mifuno inayofanya vizuri, JE naweza kulinganisha na Duka la Mromboo mwenye mtaji wa M 5?

Karibu kwa kutupatia mwongozo tunaotaka kuwaiga kina Masawee!

 

[msani]

Mjadala mzuri kweli.
Nilikuwa nasoma kuhusu mutual funds in Tz na nikagoogle niko ndipo nikaona link inayoonesha jf nikafurahi nikafungua na kujisomea na nimefaidika sana asante C.T.U kwa mjadala huu.
Nadhani dissertation yangu itaangalia hizi changamoto za mutual funds.

 

[Geofrey_GAMS]

Maufundi kama haya siku hizi hamna jf, siku hizi humu watu wengi hata kuandika wanaandika kihuni, ila ukifatilitia post za miaka ya nyuma yani hadi raha

 

[Mchungaji Ritch]

[video=youtube_share;fpcvjio-rjk]http://youtu.be/fpcvjio-rjk[/video]





mutual funds

watanzania tunahitaji hizi mutual funds kwa hali na mali tuyasahau ya nicol ila tuanze safari mpya


kwa msaada wa youtube tunaweza kuanza kujifunza kuhusu hizi mutual funds


halafu tujadili

ndugu mimi mwenyewe ni muathirika wa nicol pesa yangu nyingi cjui hatima yake hvy nikiona mmada kama hizi pamoja na uzuri wake najua ni yaleyale ya nicol kwani nao walikuja na maneno matamu hivihivi ila lipo swala pia la uelewa mdogo kwa wengi wetu tuliomo humu. Hatuelewi hii miradi mara mutual mara revolving funds hivyo inabidi utangulize utambulisho wake kwanza.

 

[Freelancer]

Mutual Funds watu wana invest kwenye major companies ambazo ziko public so mara nyingi watu wanacheza na stock exchange

saccoss nadhani wote tunajua ni vikundi vya kukopa

na mutual funds watu hawakopi ni strictly investing

M
Mutual Fund ni kama Hybrid ya hisa na na bonds. Uzuri wake ni kwamba risk ya stock inakuwa imepunguzwa incase stock zikipoteza thamni watu hawatapoteza kila kitu. Bond ni risky free hasa zile za serikali ila return yake huwa ni kidogo zaidi ukilanganisha na stock. Bond hazipo volatile kama stock. Kuna kitu kinaitwa portfolio ambapo una diversify investment yako kwenye mambo ya mutual fund, real estate stock , na bond. Unafuata principle ya mzee mzima Warren Buffet ya kwamba don't put all your eggs in one basket. Ila haya mambo ni wabongo wachache sana wanayajua.

 

[Ericus Kimasha]

...
Wazo uliloleta ni moja ya mawazo mazuri ambayo binafsi naafikiana nayo. Ni wakati sasa tuwe na mifuko ya makabwela itakayosaidia katika uwekezaji mkubwa. Tuboreshe sheria zetu za masoko ya mitaji na dhamana (Capital Market and Securities) ziwe kichocheo za Sekta binafsi kujifunza utamaduni wa kuweka hazina (Savings).

Hakuna kitu kimekuwa kikiniuma katika miaka ya hivi karibuni hapa JF kama mada za maana kama hii kukosa wachangiaji.

Hii ni hatua ya kupongezwa.

Tanzania: New Collective Scheme IPO Launched


CORE Capital Limited has launched UMANDE Unit Trust (UUT), a new collective investment scheme that aims to provide investors with big firm investment opportunities using their meagre small-firm resources.
This follows the Capital Markets and Securities Authority (CMSA) approval of the relevant legal documentation of Core Capital Limited as licensed Investment Advisor and SSRAlicensed Fund Manager UUT is the second unit trust to be licensed in Tanzania, following the Government sponsored Unit Trust of Tanzania (UTT).
The UUT Managing Director George Fumbuka said in Dar es Salaam on Tuesday that investors have this additional avenue for investing their resources and managing their financial circumstances.

"The main advantage that UUT offers over other investment vehicle is its flexibility to address different investor groups irrespective of their age, occupation or financial circumstances. UUT comprises different funds, each with its own increment objectives and operational style," He said.
He said the investor is free to choose between three Schemes: one for capital appreciation; another for income primarily; and a third balanced for both income and some capital growth.

"We have categorised the IPO in three categories such as; Up to 100,000,000 units each of Tshs 100 in the Umande Capitalisation Fund, Up to 150,000,000 units each of Tshs100 in the Umande Income Fund and Up to 200,000,000 units each of Tshs100 in the Umande Balanced Fund," said Mr. Fumbuka He mentioned that under the Capitalisation Scheme and the Balanced Scheme one can choose between a growth option and a dividend option.
Meanwhile, under the Income Scheme the investor has got a dividend reinvestment facility that can plough back his/ her dividends into more Units, which translates in the long run into a higher Net Asset Value (NAV) to be recouped in the normal weekly redemption.
The offer opened on 18 May 2015 and is expected to close on Friday 24 of July, 2015; during that time, units will be sold at a fixed price of 100 shillings per unit.
He said that unlike shares, unit trusts are not traded on the stock exchange. Instead, the manager stands ready to buy and sell any units by giving relevant instruction to the Custodian to receive funds from depositors and make payment to unit holders who wish to sell.