Synthesizer
JF-Expert Member
- Feb 15, 2010
- 11,143
- 18,774
- Thread starter
- #61
Ukiwekeza kwenye low risk investment, return ni ndogo pia na inamezwa na inflation na other running costs, kwahiyo itakuwa ni kama benki. Unless uje hapa useme unamaanisha nini kusema low risk areas kwa Tanzania ambapo return itakuwa nzuri.
Naomba tuje na uhalisia interest rate sahihi ingekuwa ni ipi? Hapa tufikirie spread ya interest ya savers au aina yoyote ya account na borrowers, hiyo ndio faida. Kisha tuigawe kwa shareholders, running costs, reserves etc. na tukubaliane ipi ni fair?
Mbona nilishakwambia mara kadhaa kwamba kama una cash invest kwenye real assets kama dhahabu tanzanite, nyumba, mashamba, viwanja nk? Hivi ni vitu ambavyo mara nyingi vina appreciate badala ya ku-depreciate. Na pia kuna baadhi ya vitu hapo unaweza uvibadii kuwa cash haraka sana bila matatizo.
Kanuni ya fair interest rate ni kwamba ni lazima iwe juu ya average inflation rate, la sivyo ukilipwa faida chini ya hapo ujue unatiwa hasara tu, hasa ukitia ndani na bank administration fees na charges!