Gushora no kubyaza umusaruro amafaranga: Amasomo Akomeye y’Abayahudi yakugeza k’ubukungu

Abayahudi bazwiho kugira ubwenge n’ubuhanga mu bijyanye n’imikoreshereze y’amafaranga. Ku isi hose, usanga bafite banki zikomeye ndetse n’amashyirahamwe akomeye ajyanye n’ubucuruzi. Ubu bwenge si impano y’amavuko gusa, ahubwo ni amasomo bahabwa kuva bakiri bato ajyanye no kubika no kubyaza umusaruro amafaranga. Niba ushaka kumenya uko wacunga neza umutungo wawe, dore amasomo akomeye ushobora kwigira ku Bayahudi.

1. Kugena Imikoreshereze ya Buri Kwezi: Amabwiriza ya 10-20-30-40

Uburyo bwa 10-20-30-40 ni imwe mu ntambwe za mbere z’ingenzi zifasha umuntu gucunga neza amafaranga ye:

• 10% yo Gutanga (Tzedakah): Abayahudi bizera ko gutanga ari ishingiro ry’iterambere. Gutanga ku miryango itishoboye, kwishyurira abana amashuri cyangwa gufasha abadafite ubushobozi ni ingenzi.
• 20% yo Kubika no Gushora Imari: Kubika 20% by’amafaranga winjiza buri kwezi bigufasha kugira ikigega cy’ejo hazaza. Ayo mafaranga ashobora gukoreshwa mu gushora imari.
• 30% y’Ibyo Ukeneye mu Rugo: Ibikorwa by’ibanze nk’ubukode bw’inzu, amazi, umuriro n’ibindi bikoresho by’ibanze bigomba kutarengera 30% y’amafaranga winjiza.
• 40% y’Imikoreshereze y’Ubuzima bwa Buri Munsi: Ibiribwa, gutwara, imyenda, kwidagadura n’ibindi bikoresho bitari iby’ibanze.

Urugero: Niba winjiza 1,000,000 RWF buri kwezi:

• 10% = 100,000 RWF yo gutanga
• 20% = 200,000 RWF yo kubika no gushora
• 30% = 300,000 RWF yo gutunga urugo
• 40% = 400,000 RWF y’imikoreshereze ya buri munsi

2. Ubwizigame Bukurikirana (Compound Interest)

Ubwizigame bukurikirana ni uburyo bwo kubika amafaranga akunguka, ayo yungutse agasubira mu kigega, bikaba umwuga wunguka bikomeza. Formula ikoresha ni:

Aho:

• = Agaciro k’imari hamwe n’inyungu
• = Amafaranga abitswe buri kwezi
• = Inyungu y’umwaka (urugero 7%)
• = Inshuro inyungu ibarwa (12 buri kwezi)
• = Imyaka amafaranga azamara abitswe

Urugero: Niba ubika 200,000 RWF buri kwezi ku nyungu ya 7%:

• Nyuma y’imyaka 10: 34,820,000 RWF
• Nyuma y’imyaka 20: 102,798,000 RWF

3. Kugira Ikigega cy’Impanuka (Emergency Fund)

Abayahudi bagira inama yo kugira ikigega cy’impanuka cyibitse hagati y’amezi 3-6 y’ibikenewe.

Niba ikiguzi cya buri kwezi ari 500,000 RWF:

• Ikigega cy’amezi 6 = 500,000 RWF x 6 = 3,000,000 RWF

Iki kigega kikurinda guhungabanywa n’ibibazo bitunguranye.

4. Gushora Imari mu Bintu Bitandukanye

Gukwirakwiza amafaranga mu bikorwa bitandukanye bigabanya ingaruka z’igihombo:

• 40% mu Mashoramari (Stocks): Kunguka cyane mu gihe kirekire
• 30% mu Mitungo Iminyerezwa (Real Estate): Amafaranga aturuka mu bukode
• 20% mu Nguzanyo z’Iminsi Mire (Bonds): Inyungu ihamye
• 10% mu Mishinga Ifite Inyungu Nini Ariko N’Ingaruka (High-Risk Ventures): Imishinga mito ishobora kunguka cyane

5. Isomo ryo Kwihangana no Kugira Icyerekezo

Abayahudi bizera ko amafaranga atazira amaramuko gusa, ahubwo ari uburyo bwo kwagura no kwiteza imbere mu gihe kirekire. Ntibakunda gukoresha amafaranga ku bintu by’agateganyo, ahubwo bashyira imbere gushora mu byo bazungukiramo mu myaka iri imbere.

Igitekerezo cyawe: Niba ushaka kubaka ubukungu bw’igihe kirekire, kurikiza izi nama. Tangira kubika no gushora hakiri kare kandi uteganye imbere, kandi wirinde kwishora mu mikoreshereze idafite umumaro. Amafaranga ubashije kubika uyu munsi ni yo azagutabara ejo hazaza.