Kuzigama (Saving) no gushora amafaranga mu mishinga ibyara inyungu (investing) ni ibintu bibiri bya ngombwa bifasha umuntu gutera imbere. Ni ibintu bibiri byuzuzanya, ariko bitandukanye. Mu gihe byombi byagufasha kugera ku nzozi zawe z’ubukire mu gihe kiri imbere, ni ngombwa ko tumenya aho bitandukaniye n’igihe wakora kimwe ukareka ikindi cyangwa igihe wabikora byombi.
Icyo kuzigama (saving) no gushora amafaranga mu bikorwa byunguka (investing) bihuriyeho
Kuzigama (saving) no gushora imari mu bikorwa bibyara inyungu (investing) bihuriye ku kuba ari uburyo bwizewe bwagufasha kugira umutekano mu by’ubukungu no kwiteza imbere. Iyo uzigama uba ufite icyizere cy’uko amafaranga yawe yiyongera kandi uyakoresha neza. Iyo ushora amafaranga yawe mu yindi mishinga ibyara inyungu, nabwo uba wiha amahirwe menshi yo kunguka cyane no kubona amafaranga menshi kurushaho.
Kuzigama no gushora amafaranga mu mishinga ibyara inyungu, byombi ni uburyo bwiza bwo guteganya amafaranga uzakoresha mu gihe kiri imbere no kuyabyaza umusaruro.
Byombi bishobora gutanga inyungu ku wabikoze. Ari ukuzigama bitanga inyungu kandi no gushora amafaranga mu mishinga nabyo bishobora gutanga inyungu.
Byombi bifasha gukemura ibibazo byo mu gihe kiri imbere. Urugero: Aho kugira ngo wake inguzanyo yo kubaka inzu, wazigama cyangwa ugashora amafaranga yawe mu mishinga ibyara inyungu, nyuma y’igihe runaka ukiyubakira ya nzu udafashe inguzanyo.
Itandukaniro ryo kuzigama no gushora imari mu mishinga ibyara inyungu
Kuzigama ni ugushyira amafaranga ahantu hatandukanye cyane cyane muri banki akaba yakunguka cyangwa ntiyunguke; mu gihe gushora imari ari ugushyira amafaranga mu bikorwa binyuranye bishobora nabyo kuguha inyungu.
Iyo washoye amafaranga mu mishinga, ushobora guhomba ariko iyo uzigamye ntaho amafarana yawe ajya. Wenda ntiwunguka cyane ariko ntushobora guhomba. Gusa na none iyo ifaranga ritaye agaciro, uwazigamye amafaranga ashobora kugira igihombo gito giturutse ku ifaranga ryatakaje agaciro..
Kuzigama bitanga inyungu nkeya ugereranyije n’iyo wabona mu gihe washoye amafanga yawe mu yindi mishinga yunguka.
Uyo umuntu yashoye imari mu yindi mishinga aba yafashe “risk” nini kurusha uwazigamye kuko uwashoye imari ashobora no guhomba.
Aha twakwibaza duti: Ese ari ukuzigama (saving) no gushora amafanga yawe mu bikorwa bibyara inyungu (investing) icyiza ni ikihe?
Biragoye kuvuga icyiza n’ikibi ariko byose ni byiza kuko ni uburyo bwagufasha gutera imbere. Wahitamo icyo ukora muri ibi byombi bitewe na gahunda n’icyerekezo ufite.
Ni ryari wahitamo kuzigama kurusha gushora amafaranga yawe mu yindi mishinga?
-Mu gihe ukeneye amafaranga mu myaka mike iri imbere.
-Mu gihe usanzwe nta mafaranga na make wazigamye yakugoboka mu bihe bikomeye.
-Mu gihe usanzwe ufite amadeni utararangiza kwishyura.
Ni ryari wahitamo gushora amafaranga yawe kurusha guyazigama?
-Mu gihe ufite ubwizigame buhagije ku buryo wayashora mu mishinga hagakira asaguka.
-Mu gihe wumva ko utazakenera amafaranga wazigamye mu myaka mike iri imbere.
-Mu gihe ufite akazi wizeye ko uzakomeza gukora kabone n’ubwo aho washoye amafaranga yahomba.
Mu gusoza iyi nyandiko, inama twatanga nk’urubuga imbere.rw ni uko kuzigama ari byiza umuntu wese akwiye kuzigama. Gusa na none kuzigama gusa ntibihagije, ugomba guteganya n’uburyo ubwizigame bwawe uzakomeza kububyaza inyungu. Ni nayo mpamvu gushora amafaranga yawe mu yindi mishinga ibyara inyungu (investing) ari byiza kurashaho.
“Kuzigama ni byiza, ariko gushora amafaranga yawe mu mishinga ibyara inyungu ni byiza kurushaho”.
Mugire amahoro.
Ubwanditsi bwa imbere.rw
Tel: +250785115126
Email: imbere2020@gmail.com
