Wanajanvi, ninaomba mniambie, kwa watu waliowahi kuwekeza wanapata manufaa gani. Je huu mfuko ni sawa na kununua hisa? Je unapataje manufaa? Mwanye uzoefu anieleze tafadhali, asante.
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UTT AMIS ilianzishwa mwaka 2013 kuchukua majukumu ya usimamizi wa Mifuko ya Uwekezaji wa pamoja kutoka kwa Dhamana ya Uwekezaji Tanzania (UTT) kufuatia maamuzi ya wamiliki kubadilisha muundo.
UTT AMIS, hapo awali ilijulikana kama Dhamana ya uwekezaji Tanzania (UTT) ambayo ilianzishwa chini ya Sheria ya Udhamini (Sheria ya Dhamana Na. 318) na kupewa majukumu kadhaa muhimu ikiwa ni pamoja na kuanzisha na kuendesha mifuko ya uwekezaji wa pamoja katika njia ambayo itaongeza thamani ya mifuko hiyo, kuhamasisha utamaduni wa kuweka akiba kupitia ushiriki mpana katika umiliki wa vipande.
Jinsi UTT AMIS wanavyofanya kazi
Hawa wanafanya kazi kwa mfumo wa Mutual Funds, yaani wao wanakusanya pesa kutoka kwa wananchi au yeyote anayetaka kwa mfumo wa kuwauzia vipande, Kisha mjumuisho wa hela itakayokuwa imepatikana ndio UTT huitumia kwa kununua dhamana kwenye masoko ya Pesa, dhamana zinaweza kuwa hisa, hati fungani, zamana za serikali au mengineyo yanayo patikana kwenye soko la pesa.
Hii ina maana kwamba, anayenunua vipande UTT AMIS yeye husubiria gawio lake wakati wenye mfuko wao ndio huhangaika kujua ni sehemu ipi nzuri kuwekeza ili mwenye vipande aweze kupata faida baada ya muda waliokubaliana.
Uwekezaji wa aina hii unafanyika kama mtu anakuwa hapendi kuingia kwenye kashikashi za biashara za soko la fedha.
Ziko baadhi ya threads humu zikiwataja watu wakilalama kuhusu kushuka kwa bei ya hisa walizonunua kwenye IPO nk. Haya ni mambo ambayo mtu aliyewekeza kwenye mfuko wa UTT AMIS anaweza kuepukana nayo
Mutual Funds ni kati ya masoko ya pesa na anayeshiriki(mwekezaji/mwenye vipande) anatarajia gawio baada ya muda waliokubaliana wakati ananunua vipande.
NB: Unapotaka kufanya uwekezaji wowote waone wataalamu wa biashara pia jitahidi kujielimisha kabala haujajiingiza katika suala husika, masoko ya pesa ni kama masoko ya bidhaa nyingine unaweza angukia pua pia.
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The Unit Trust of Tanzania (UTT) was incorporated on 19th June, 2003. It has been incorporated under the Trustees Incorporation Act (Cap. 318). To be able to appreciate the objective and functions of the UTT, it is essential in the first place to understand the basic structure of a "Trust". In any trust, there are usually three recognized parties;
The "Settlor" who is the party that settles the Trust (i.e. bestows property on the trust),
The "Trustees" who manage property bestowed by the Settlor; and
The "Beneficiaries" in whose interest property is managed by the Trustees.
Apart from the parties to the trust arrangement, there is also the "property" which is the subject matter of the trust often referred to as the "corpus" of the trust.
The Settlor of the Unit Trust of Tanzania (the "Trust") is the Minister of Finance representing the Government of Tanzania. The Trustees are five individuals appointed by the Minister. The current trustees are; Prof. Joseph Kuzilwa (Chairman of the Board of Trustees), Hon. Janeth Mmari (MP) , Hon. Omari Sheha Mussa (MP) , Mr. Ramadhan S. Hamisi and Mr. Ramadhan Madabida
The Beneficiaries of the UTT are the citizens of Tanzania. The subject matter i.e. property in the UTT consists of shares which have been warehoused under the trust and the rights appertaining to those shares.
The Unit Trust of Tanzania was set up as successor to a previous organization which was known as The Privatisation Trust (PT). The PT had been established by an Act of Parliament in 1997. The objectives of the PT were;
To acquire shares in newly privatized enterprises for sale by public offering to achieve a wide distribution among citizens and to obtain sale proceeds which are reasonable in the circumstances prevailing from time to time.
To encourage and facilitate wider participation by citizens in the ownership of privatized enterprises.
To have responsibility on the disbursement of proceeds in accordance with the Privatisation Act;
To advise the Minister and the Commission on matters relating to the administration of the Act;
To manage and administer the Trust with a view to ensure that its objectives are achieved; and
To ensure that shares are sold or distributed, as the case may be, to any eligible investor.
After its establishment, the PT was entrusted with a portion of shares of Tanzania Breweries Ltd. And Tanzania Cigarette Company Ltd.
These shares were warehoused pending release to the public. Moreover, the PT made preparation for the setting up of collective investment schemes. Furthermore, the Trust conducted public education programmes jointly with the Dar es Salaam Stock Exchange (DSE), Capital Markets and Securities Authority (CMSA) as well as the Parastatal Sector Reform Commission (PSRC).
The Privatisation Trust Act expired on 14th June,2003 and the Unit Trust of Tanzania was registered on 29th June,2003. It is pertinent to mention that the establishment of the Unit Trust of Tanzania was anticipated by the Privatisation Act, 1997 which contained a provision for its succession by a unit trust.
The UTT is therefore a recently established institution which is currently putting in place a foundation for a variety of future activities.
Objectives of the UTT
The objectives of the UTT are;
To acquire and keep in trust the shares of the privatized enterprises that were held by the Privatization Trust and all those shares of the privatized enterprises that will be placed in trust by the Settlor from time to time in the course of the privatization of public enterprises;
To ensure that, shares that are held in trust are distributed among Tanzanians citizens in a manner that will encourage and facilitate savings and wider participation by citizens in the ownership of privatized enterprises that will enable and stimulate participation in capital markets.
To establish, launch and manage collective investment schemes so as to achieve the objectives of the Trust.
These objectives evidently contain an empowerment mandate. Empowerment is indeed a broad concept which may be operationalised by a variety of programmes in different national sectors. The UTT is a financial sector institution and therefore its programmes are to hinge more on development of financial products of empowering Tanzanians to undertake various economic activities.
These may range from the establishment of collective investment schemes to the formulation of various financial support products. In "kick-starting" the activities of the UTT however, attention has been focused the establishment of a collective investment scheme which shall be known as "Umoja Fund".
Vision
To be an efficient investment institution that would facilitate the divestiture process and empower Tanzanians to become effective stakeholders in their country's economic development for improvement of their welfare.
Mission
To hold and manage shares of certain targeted privatized companies in trust for citizen of Tanzania.
To enhance a savings culture among the people of Tanzania.
To facilitate wide ownership of shares of privatized and other enterprises by Tanzanian citizens.
To establish, launch and manage collective investment schemes.
Michango ya wadau
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UTT AMIS ilianzishwa mwaka 2013 kuchukua majukumu ya usimamizi wa Mifuko ya Uwekezaji wa pamoja kutoka kwa Dhamana ya Uwekezaji Tanzania (UTT) kufuatia maamuzi ya wamiliki kubadilisha muundo.
UTT AMIS, hapo awali ilijulikana kama Dhamana ya uwekezaji Tanzania (UTT) ambayo ilianzishwa chini ya Sheria ya Udhamini (Sheria ya Dhamana Na. 318) na kupewa majukumu kadhaa muhimu ikiwa ni pamoja na kuanzisha na kuendesha mifuko ya uwekezaji wa pamoja katika njia ambayo itaongeza thamani ya mifuko hiyo, kuhamasisha utamaduni wa kuweka akiba kupitia ushiriki mpana katika umiliki wa vipande.
Jinsi UTT AMIS wanavyofanya kazi
Hawa wanafanya kazi kwa mfumo wa Mutual Funds, yaani wao wanakusanya pesa kutoka kwa wananchi au yeyote anayetaka kwa mfumo wa kuwauzia vipande, Kisha mjumuisho wa hela itakayokuwa imepatikana ndio UTT huitumia kwa kununua dhamana kwenye masoko ya Pesa, dhamana zinaweza kuwa hisa, hati fungani, zamana za serikali au mengineyo yanayo patikana kwenye soko la pesa.
Hii ina maana kwamba, anayenunua vipande UTT AMIS yeye husubiria gawio lake wakati wenye mfuko wao ndio huhangaika kujua ni sehemu ipi nzuri kuwekeza ili mwenye vipande aweze kupata faida baada ya muda waliokubaliana.
Uwekezaji wa aina hii unafanyika kama mtu anakuwa hapendi kuingia kwenye kashikashi za biashara za soko la fedha.
Ziko baadhi ya threads humu zikiwataja watu wakilalama kuhusu kushuka kwa bei ya hisa walizonunua kwenye IPO nk. Haya ni mambo ambayo mtu aliyewekeza kwenye mfuko wa UTT AMIS anaweza kuepukana nayo
Mutual Funds ni kati ya masoko ya pesa na anayeshiriki(mwekezaji/mwenye vipande) anatarajia gawio baada ya muda waliokubaliana wakati ananunua vipande.
NB: Unapotaka kufanya uwekezaji wowote waone wataalamu wa biashara pia jitahidi kujielimisha kabala haujajiingiza katika suala husika, masoko ya pesa ni kama masoko ya bidhaa nyingine unaweza angukia pua pia.
-------------
The Unit Trust of Tanzania (UTT) was incorporated on 19th June, 2003. It has been incorporated under the Trustees Incorporation Act (Cap. 318). To be able to appreciate the objective and functions of the UTT, it is essential in the first place to understand the basic structure of a "Trust". In any trust, there are usually three recognized parties;
The "Settlor" who is the party that settles the Trust (i.e. bestows property on the trust),
The "Trustees" who manage property bestowed by the Settlor; and
The "Beneficiaries" in whose interest property is managed by the Trustees.
Apart from the parties to the trust arrangement, there is also the "property" which is the subject matter of the trust often referred to as the "corpus" of the trust.
The Settlor of the Unit Trust of Tanzania (the "Trust") is the Minister of Finance representing the Government of Tanzania. The Trustees are five individuals appointed by the Minister. The current trustees are; Prof. Joseph Kuzilwa (Chairman of the Board of Trustees), Hon. Janeth Mmari (MP) , Hon. Omari Sheha Mussa (MP) , Mr. Ramadhan S. Hamisi and Mr. Ramadhan Madabida
The Beneficiaries of the UTT are the citizens of Tanzania. The subject matter i.e. property in the UTT consists of shares which have been warehoused under the trust and the rights appertaining to those shares.
The Unit Trust of Tanzania was set up as successor to a previous organization which was known as The Privatisation Trust (PT). The PT had been established by an Act of Parliament in 1997. The objectives of the PT were;
To acquire shares in newly privatized enterprises for sale by public offering to achieve a wide distribution among citizens and to obtain sale proceeds which are reasonable in the circumstances prevailing from time to time.
To encourage and facilitate wider participation by citizens in the ownership of privatized enterprises.
To have responsibility on the disbursement of proceeds in accordance with the Privatisation Act;
To advise the Minister and the Commission on matters relating to the administration of the Act;
To manage and administer the Trust with a view to ensure that its objectives are achieved; and
To ensure that shares are sold or distributed, as the case may be, to any eligible investor.
After its establishment, the PT was entrusted with a portion of shares of Tanzania Breweries Ltd. And Tanzania Cigarette Company Ltd.
These shares were warehoused pending release to the public. Moreover, the PT made preparation for the setting up of collective investment schemes. Furthermore, the Trust conducted public education programmes jointly with the Dar es Salaam Stock Exchange (DSE), Capital Markets and Securities Authority (CMSA) as well as the Parastatal Sector Reform Commission (PSRC).
The Privatisation Trust Act expired on 14th June,2003 and the Unit Trust of Tanzania was registered on 29th June,2003. It is pertinent to mention that the establishment of the Unit Trust of Tanzania was anticipated by the Privatisation Act, 1997 which contained a provision for its succession by a unit trust.
The UTT is therefore a recently established institution which is currently putting in place a foundation for a variety of future activities.
Objectives of the UTT
The objectives of the UTT are;
To acquire and keep in trust the shares of the privatized enterprises that were held by the Privatization Trust and all those shares of the privatized enterprises that will be placed in trust by the Settlor from time to time in the course of the privatization of public enterprises;
To ensure that, shares that are held in trust are distributed among Tanzanians citizens in a manner that will encourage and facilitate savings and wider participation by citizens in the ownership of privatized enterprises that will enable and stimulate participation in capital markets.
To establish, launch and manage collective investment schemes so as to achieve the objectives of the Trust.
These objectives evidently contain an empowerment mandate. Empowerment is indeed a broad concept which may be operationalised by a variety of programmes in different national sectors. The UTT is a financial sector institution and therefore its programmes are to hinge more on development of financial products of empowering Tanzanians to undertake various economic activities.
These may range from the establishment of collective investment schemes to the formulation of various financial support products. In "kick-starting" the activities of the UTT however, attention has been focused the establishment of a collective investment scheme which shall be known as "Umoja Fund".
Vision
To be an efficient investment institution that would facilitate the divestiture process and empower Tanzanians to become effective stakeholders in their country's economic development for improvement of their welfare.
Mission
To hold and manage shares of certain targeted privatized companies in trust for citizen of Tanzania.
To enhance a savings culture among the people of Tanzania.
To facilitate wide ownership of shares of privatized and other enterprises by Tanzanian citizens.
To establish, launch and manage collective investment schemes.
Michango ya wadau
----Maoni:
Kama Serikali ina fungu kubwa kiasi cha TZS 51bil na hazina kazi kwa sasa hivyo zinaisukuma Serikali izitoe ziende kuiokoa Precision Air. Na kama kweli lengo ni kulinda ajira na uchumi; basi nashauri Serikali ikawekeze hizo pesa kwenye Makampuni yaliyo chini ya UTT. Taifa litakuwa na manufaa makubwa zaidi kwa kodi ya mwananchi kuongeza mtaji kwenye shirika lake la UTT ambalo tayari limeonyesha ufanisi wa hali ya juu kuliko kuzitoa sandakarawe kwa Kampuni binafsi iliyojipeleka ICU!
Mwananchi unayesoma uzi huu; Siku ukisikia UTT-PID imetangaza Public Initial Offer (IPO) kopa hela au uza mali yako isiyozalisha kanunue hisa za UTT-PID. Hii Kampuni naitabiria kufanya vema sana si Tanzania tu bali hata Afrika ikipanga hivyo. Uwekezaji wake utakuwa katika rasilimali ambazo thamani ya hisa zake ina historia ya kupanda bila kushuka mfano Treni za mijini, Viwanja vya ndege, Barabara za kulipiwa, Miundombinu ya gesi, Ujenzi, Usimamizi na Uendeshaji wa Majumba makubwa, Hospitali, Vyuo na Mashule, n.k
Mfano mzuri wa mahala UTT-PID inakoelekea ni sawa na ilipo AVIVA INVESTORS japo kuna utofauti kwamba AVIVA ni Private Investement Managers ilihali UTT-PID ni Public lakini wote biashara yao ni moja.
Stay tuned!
30th August 2013
Unity Trust of Tanzania (UTT)
Unity Trust of Tanzania (UTT)-Microfinance bank is set to finance the irrigation project on a grape farm in Bahi District, Dodoma Region.
This was revealed by Operations Manager of UTT-Microfinance Plc, Charles Mhagama on Wednesday in an interview.
According to him, farmers have already cleared the land and its now ready for cultivation. They have also drilled a well which can pump water up to 9 hours.
Our bank will finance the irrigation project in terms of drip irrigation. This will help them to get income throughout the year as 1 acre earns 5 million per year.
They have 170 acres. Annual income is expected to be 10 million per acre, he explained.
He continued: If we develop projects like these, we will be able to reduce poverty because they will increase their income.
They will educate their children and build a modern house. With increased income they can create employment opportunities by operating business. It will bring development to the village.
One of the banks objectives is to contribute towards stability and maturity of the microfinance sub sector in the country.
Also a quest to reduce poverty in the country through microfinance inclusion and expand financial service providers landscape and ultimately give a range of options to the middle and low income Tanzanians.
Unit Trust of Tanzania (UTT) Microfinance Plc provides viable financial solutions to individuals, Small and Medium Entrepreneurs (SMEs) and Savings and Credit Cooperatives (SACCOS) which enable them to implement socially as well as economically important projects.
One of its products is Pamoja Loan: Solidarity Loan Scheme, a Group Loan Scheme targeting the Micro and Small Entrepreneurs who have mutually grouped themselves, to form a solidarity group based on social relations and economic backgrounds.
Another product is Mshahara loan: Salaried Loan Scheme which is designed to suit salaried employees with the objective being to allow government (central and local governments) employees who do not qualify for other loan schemes to access UTT-Microfinance Plc financial services.
Other products are Taasisi loan, designed for SACCOS, Nufaika loan for Unit holders and Niwezeshe loan: Micro-sponsored loan scheme-designed for any person who has been sponsored by an existing UTT units holder and Mobile money services.
----MIKONO Cultural Heritage Limited and Unit Trust of Tanzania (UTT) yesterday signed a multibillion business contract for the construction of 20 storey building, an investment that will contribute significantly to employment creation and economic growth.
The business deal that Mikono Cultural Heritage Ltd Board Chairman Henry Clemence and UTT Projects and Infrastructure Development Acting Chief Executive Officer Gration Kamugisha inked in Dar es Salaam, will spur economic activities in Chang'ombe area.
The contract leads to the construction of imposing 'Sanaa Tower' at 29bn/- near the junction of Chang'ombe and Nyerere road and according to its leading consultant, the building is expected to impressively decorate the city.
"The project is expected to transform the living standards of the artists and shareholders because the centre will attract and widen customer base for artisanal products," remarked Mr Clemence, also a former Mkuranga District Commissioner.
Apart from providing more than 200 jobs, the investment will contribute significantly to economic growth through various activities to be offered by businesses in the building, which will also accommodate a five star hotel targeting sportsmen, both local and foreign who will be participating in sports at the National Stadium.
Mr Clemence added that the loan will be paid back in 10 years time after which, the building will fully be owned by Mikono Cultural Heritage Ltd.
According to Mr Kamugisha from UTT, the project demonstrates the capability of local investors to undertake big projects on themselves. He said, "UTT makes thorough study on the demands of the market before embarking in such expensive deals, that is the real estate development."
Speaking earlier, the Director of the Norman and Dawbarn (T) Limited Mr Chazi Rwakanadi, the architect of the project said the project will be carried at plot 22, and will cover about 18,000 square metres out of which 16,400 will be rented.
The building will comprise a basement and surface parking, shopping malls, banks, office spaces of international standards, conference halls as well as hotels.
The project will take almost 36 months to complete. MIKONO represent a brand name of the company as well as reflection of the core business of the company.
MIKONO is one of the success stories of the companies owned by empowered indigenous people through privatization.
Source: Mikono, UTT On Sh30 Billion Building Project
cc: Mwanahisa
----ESTABLISHMENT of a community satellite metropolis on the outskirts of Dar es Salaam city is in top gear as the Unit Trust of Tanzania (UTT) has guaranteed to fund installation of its basic facilities, including water, electricity and roads.
Groundwork is underway as all the three contracted companies, one for the supply of electricity, another for water distribution from the main DAWASA pipe and the third for road construction, have made impressive progress in the execution of the first phase of the project during the next few months.
Speaking from the site recently, UTT Senior Architectural Officer, who is also the Project Manager, Godfrey Mwakabole, said title deeds were available for all 246 plots at Mapinga Satellite Community Development. "The satellite community metropolis is 40 kilometres north of Dar es Salaam city centre along Bagamoyo road and the distance from the main road is two kilometres from Kerege," Mwakabole explained.
Clarifying land use and the sizes of plots, the project manager said the surveyed land was for low, medium and high density plots which were designed for residential and commercial purposes. The plan also indicates recreational areas and designated locations for schools and hospitals.
"The location is surrounded by beautiful palm trees and green vegetation. Plots will be sold through a bidding process, but the minimum value established is 25,000/- per square metre for residential purposes and 35,000/ per square metre for commercial plots with a deposit of 1m/- and 5m/-, respectively," Mwakabole explained.
The project manager was accompanied by the Principal Project Management Officer, Mr Shakiru Abdulkarim, who said application forms for those wishing to bid for the plots were available at all postal offices and the deadline was the end of this month (today). "Phase two of the project involves construction of houses, at least 300 units, starting next year.
The structures will comprise bungalows, double-storey housing and apartment complexes all currently at the design stage. Completion of phases one and two is expected within three years," Shakiru explained The plan of the envisaged Mapinga Satellite Community shows areas set aside for service and trade, car park, residential, open spaces, hotels, shopping malls, oxidation pond, police post, cemetery, schools, dispensary, waste water collection facility, petrol station and religious sites.
"UTT is committed to the development of the infrastructure to not only add value to the land, but also put in place the necessary facilities to the comfort of the community. With the planned Bagamoyo port in the proximity (hardly 20 km away), Mapinga Satellite Community remains the ideal place for habitation," Shakiru explained.
cc: Mwanahisa
Source: UTT to Fund Dar Satellite Metropolis Infrastructure
----UTT-AMIS ni mfuko wa uwekezaji wa pamoja.
Yaani kwa Lugha rahisi,kwa wale wote ambao aidha wanaona wana PESA Kidogo kuwekeza kwenye SOKO LA HISA(DSE),Treasury Bills,Bonds ama hawna uwelewa wa kutosha kuhusu mambo ya Hisa.
Hivyo ili kupunguza Risks wanakusanya fedha zao(Ndio maana tunaita Mfuko wa pamoja),then Huo Mfuko yaani UTT AMIS Wao wana washauri mbalimbali wa masuala ya fedha,Watawekeza Hizo fedha za mfuko sehemu kadhaa kama Bonds,Hisa etc.So,Mfuko ukipata faida wamiliki wa Vipande(Walioweka pesa zao UTT Watapewa gawio kulingana na idadi ya vipande na faida iliyopatikana kwa mhusika.Ni mfuko mzuri kwa wale wanaoogopa direct Investment kwenye Hisa,bonds etc.
Binafsi naelewa hivyo mkuu,ngoja tusubiri wadau wajuvi zaidi.
----Nani anaruhusiwa kuwekeza katika mifuko ya uwekezaji wa pamoja inayoendeshwa na UTT?
Mifuko hii ni kwa ajili ya watanzania wanaoishi nchini na nje ya nchi.Wanaweza wakajiunga mtu mmoja mmoja au kwa pamoja (jointly), wazazi kuwawekezea watoto wao, vikundi mbalimbali vya kijamii, NGOs, taasisi mbalimbali, mifuko ya hifadhi za jamii, mashirika ya umma, Banks n.k
Nawezaje kujiunga na mifuko unayoendeshwa na UTT-AMIS?
Ni rahisi, kwa kutembelea Makao makuu yetu yaliyopo jengo la Sukari ghorofa ya pili. Au tembelea ofisi zetu katika mikoa au matawi CRDB nchini kote kujaza fomu ya maombi kwa ajili ya mfuko husika. Unapaswa kuwa na kitambulisho kama vile Kitambulisho cha mpiga kura , Kitambulisho cha utaifa, Pasipoti, leseni ya kuendesha gari, au kitambulisho cha kazi. Baada ya kujaza fomu akaunti ya mfuko maalum itafunguliwana utaweza kuanza kuwekeza
AU Kwa kutupigia simu bure katika kituo cha kuhudumia wawekezaji wetu ambazo ni +255754800544 / +255754800455 (kwa voda wateja) 255,715,800,544 / 255,715,800,455 (kwa Tigo wateja) na 255,782,800,455 (kwa Airtel wateja) na kuwapatia maelezo muhimu na akaunti kufunguliwa na baadaye kutuma nyaraka muhimu.
Ninaweza kununua vipande wapi?
Unaweza kununua vipande kupitia matawi yote ya benki ya CRDB nchi nzima. Pia kwa kupitia ofisi za UTT Microfinance zilizopo Mwanza – Posta ya Barabara ya Pamba, Zanzibar Posta ya Kijagwani,Dodoma katika ofisi za posta kuu Dodoma,Mbeya katika ofisi ya posta kuu Mbeya na Arusha katika Posta Meru. Pia wawekezaji wanaweza kununua vipande kwa kutumia huduma za M-Pesa na TigoPesa.
Je kuna kiwango cha chini cha kuanza kuwekeza ?
Kima cha chini cha uwekezaji wa awali kimeelezwa katika waraka wa Toleo (Offer Document)katika mfuko husika. Mifuko yetu ina viwango tofauti vya kuanza kuwekeza. Uwekezaji wa awali unawaweza fanyika kwa kima cha chini kabisa cha Tsh 5,000 Mfuko wa Umoja, Tsh 8,340 kwa mwezi kwa Mfuko wa Wekeza Maisha na Tsh.10,000 kwa Mfuko wa Watoto, Tsh. 15,000 mfuko wa Kujikimu na Tsh. 5,000,000 kwa mfuko wa Ukwasi.
Je,ninatakiwa kuongeza uwekezaji wangu kila mwezi?
Haikulazimu kuongeza uwekezaji wako kila mwezi. Kuna njia mbili kuwekeza katika Mifuko ya uwekezaji wa pamoja. Kwanza, mkupuo ambapo kuwekeza kiasi mara moja na hakuna uwekezaji wa ziada baada ya hapo. Pili, kuweka kwa mara kwa mara, ambapo kuwekeza kiasi awali, kisha kuendelea na uwekezaji wakati wowote unapopata fedha.
Je, faida ipatikanayo katika mifuko ya uwekezaji wa pamoja ni ya uhakika?
Faida itategemea ufanisi wa uwekezaji yaliyofanywa na Meneja wa Mfuko na pia hutegemea hali ya uchumi na masoko ya fedha.
Ninatakiwa kuwekeza katika mifuko kwa muda gani?
Kwa kawaida, wawekezaji wanashauriwa kuwekeza kwa muda muda mrefu . Mifuko ya uwekezaji inaweza kuwa kwa ajili ya uwekezaji wa muda wa kati au muda mrefu.Inashauriwa kuendelea kuwekeza katika mifuko kwa muda mrefu ili kupata mapato bora zaidi.
Je, ninaweza kuuza vipande vyangu wakati wowote?
Ndiyo, unaweza kuuza vipande wakati wowote kama ilivyo ainishwa katika waraka wa toleo wa mfuko husika. Isipokuwa Mfuko wa Wekeza Maisha,mwekezaji anaruhusiwa kuanza kuuza baadhi ya sehemu ya uwekezaji wake baada ya miaka mitano ya uwekezaji.
Je, ninahitajika kulipa kodi wakati ninapo uza vipande vyangu?
Hapana, hutakiwi kulipa kodi unapouza vipande vyako au unapopata gawio.Meneja wa mfuko analazimika kulipa gharama zote za uendeshaji ikiwepo na kodi.Hivyo thamani halisi ya kipande.
Ninawezaje kujua ninapata faida au hasara?
Meneja mwendeshaji wa mfuko analazimika kutoa thamani halisi ya kipande kila siku ya kazi. Jinsi rasilimali za mfuko zinavyoongezeka ndivyo thamani ya kipande inavyoongezeka. Na kwa upande mwingine na jinsi rasilimali za mfuko zinapungua pia thamani ya kipande ndivyo inavyopungua hivyo kuashiria hasara kwa mwekezaji.Mwekezaji anaweza kufuatilia thamani halisi ya kipande kila siku za kazi kupitia magazeti ya Mwananchi,Daily News na The Guardian. Vilevile, mwekezaji anaweza kufuatilia mwenendo wa uwekezaji wake kwa kupitia tovuti yetu ambayo ni www.utt-tz.org au kwa kutupigia simu za bure katika kituo chetu cha kuhudumia wawekezaji +255754800544 / +255754800455 (kwa voda wateja) 255,715,800,544 / 255,715,800,455 (kwa Tigo wateja) na 255,782,800,455 (kwa Airtel wateja)
Je, mwekezaji anaweza kuteua mrithi wa uwekezaji wake iwapo atafariki?
Ndiyo. Uteuzi unaweza kufanywa wakati wa kujaza fomu ya kujiunga. Na iwapo mteule atakuwa ni mtoto chini ya umri wa miaka 18 basi mzazi anatakiwa kuteua mwangalizi ambaye ana umri zaidi ya miaka 18
Ninahitajika kufanya nini baada ya kuwekeza?
Baada ya wiki 2-3 za kuwekeza , utapokea taarifa ya akaunti yako ya uwekezaji kutoka UTT. Angalia juu ya taarifa na kuhakikisha taarifa na miamala yote katika taarifa ni sahihi.
Pia unaweza kufuatilia mwenendo wa uwekezaji wako kupitia matoleo ya bei halisi za thamani ya mifuko katika magazeti na wovuti yetu.Pia unaweza kupiga simu za bure katika kituo chetu cha miito ya simu kwa msaada zaidi.
Pia wawekezaji wenye uwezo wa kushiriki mkutano wa mwaka wanashauriwa kushiriki ili kuweza kupata taarifa za utendaji wa mifuko.
AU PIA *150*82#ok kwa usajli wa awali na kupata taarifa mbalimbali kama kujua bei za thamani za vipande, salio lako nk. pia unashauriwa kufika ofisi za CRDB au ofisi za UTT AMIS kumalizia usajili wako.
UTT AMIS ilianzishwa mwaka 2013 kuchukua majukumu ya usimamizi wa Mifuko ya Uwekezaji wa pamoja kutoka kwa Dhamana ya Uwekezaji Tanzania (UTT) kufuatia maamuzi ya wamiliki kubadilisha muundo.
UTT AMIS, hapo awali ilijulikana kama Dhamana ya uwekezaji Tanzania (UTT) ambayo ilianzishwa chini ya Sheria ya Udhamini (Sheria yaDhamana Na. 318) na kupewa majukumu kadhaa muhimu ikiwa ni pamoja na Kuanzisha na kuendesha mifuko ya uwekezaji wa pamoja katika njia ambayo itaongeza thamani ya mifuko hiyo, kuhamasisha utamaduni wa kuweka akiba kupitia ushiriki mpana katika umiliki wa vipande.
JINSI UTT AMIS WANAVYOFANYA KAZI
Hawa jamaa wanapiga kazi kwa mfumo wa Mutual Funds, yaani wao wanakusanya pesa kutoka kwa wananchi au yeyote anayetaka kwa mfumo wa kuwauzia vipande, Kisha mjumuisho wa hela itakayokuwa imepatikana ndio UTT huitumia kwa kunua dhamana kwenye masoko ya Pesa, dhamana zinaweza kuwa hisa, hati fungani, zamana za serikali au mengineyo yanayo patikana kwenye soko la pesa.
Hii ina maana kwamba, anayenunua vipande UTT AMIS yeye husubiria gawio lake wakati wenye mfuko wao ndio huhangaika kujua ni sehemu ipi nzuri kuwekeza ili mwenye vipande aweze kupata faida baada ya muda waliokubaliana.
Uwekezaji wa aina huu unafanyika kama mtu anakuwa hapendi kuingia kwenye kashikashi za biashara za soko la fedha.
Ziko baadhi ya threads humu zikiwataja watu wakilalama kuhusu kushuka kwa bei ya hisa walizonunua kwenye IPO nk. Haya ni mambo ambayo mtu aliyewekeza kwenye mfuko wa UTT AMIS anaweza kuepukana nayo
Mutual Funds ni kati ya masoko ya pesa na anayeshiriki(mwekezaji/mwenye vipande) anatarajia gawio baada ya muda waliokubaliana wakati ananunua vipande.
NB: Unapotaka kufanya uwekezaji wowote waone wataalamu wa biashara pia jitahidi kujielimisha kbala haujajiingiza katika suala husika, masoko ya pesa ni kama masoko ya bidhaa nyingine unaweza angukia pua pia.
Signed
Oedipus