Sehumu ambazo mstaafu hashauriwi kuwekeza

[Bwege2030]

SEHEMU AMBAZO MSTAAFU HASHAURIWI KUWEKEZA

Fikisha ujumbe kwa wahusika

🎯Volatile investments.
aina za wekezaji ambazo bei yake sokoni inaweza kupanda au kushuka its average price anytime. Kama cryptos

🎯High-risky investments. uwekezaji ambao hauna uhakika wa kulinda mtaji wako na faida yako.

🎯Uwekezaji ambao faida yake ipo chini ya kiwango cha mfumuko wa bei (inflation > return)

🎯Biashara ambazo zinahitaji “active management”(kilimo, usafirishaji, ufugaji, uzalishaji, n.k)

🎯High capital-intensive businesses” biashara ambazo kukuwa kwake kunahitaji kuongeza mtaji mara kwa mara

🎯Biashara ambazo “payback period” na returns zake ni za muda mrefu. Average life expectancy of an African retiree is less than 20 years, some investments need 15-20 years to payback

🎯Usitumie mafao yako kama
dhamana (collateral), especially kufanya biashara whose returns are lower than the cost of the loan.

NIWEKEZE WAPI SASA?

🎯 Bonds/Sukuk (large portion)
🎯Stocks (moderate)
🎯Real estate
🎯Mutual funds/Unit trusts
🎯 Index funds
🎯Professional services with limited travelling

 

[Saa 7 mchana]

Pension sio kwaajili ya kuwekeza, Pension ni ya kula mdogo mdogo kwa lifestyle hile hile dagaa nyanya chungu

 

[Bwege2030]

Pension sio kwaajili ya kuwekeza, Pension ni ya kula mdogo mdogo kwa lifestyle hile hile dagaa nyanya chungu

Hahahaha usipowekeza utaimaliza kabla hujafa Alafu uhangaike,maana nguvu za kufanya kazi hauna tena,watoto nao Kuna asilimia 99 ya kukusaliti

 

[Watch UR6]

Hahahaha usipowekeza utaimaliza kabla hujafa Alafu uhangaike,maana nguvu za kufanya kazi hauna tena,watoto nao Kuna asilimia 99 ya kukusaliti

Kuwa na sehemu ya kukuingizia kipato kabla ya kustaaafu. Pesa ya kustaafu ichangie mtaji kidogo kwenye shughuli uliokuwa unaifanya kabla ya kustaafu...then ni kula maisha tu.