Mu gihe isi y’iki gihe ihanganye n’ibibazo bikomeye by’ubukungu, igipimo cy’izamuka ry’ibiciro, ubwoba bwo kubura akazi ndetse n’ukwigengesera mu bijyanye no gushora imari, benshi bibaza uko babika amafaranga yabo mu buryo butekanye kandi butanga inyungu. Nibwo hakenerwa impuguke nk’umujyanama mu by’imari Christian Habimana, utanga inama zijyanye no kubika no gushora imari mu buryo bufasha abantu gutegura ejo hazaza heza kandi hatandukanye n’uburyo busanzwe abantu bamenyereye.
Iki gitekerezo gishingiye ku butumwa yatanze mu ifoto ye yamamaza, aho atwereka uburyo bw’imari bwitwa IUL (Indexed Universal Life Insurance) cyangwa 770 account, uburyo bwihariye bufasha abantu kungukira mu kubika amafaranga yabo, kuyungukiraho nta misoro, no kurengera imiryango yabo mu gihe cy’impanuka, urupfu cyangwa uburwayi bukomeye.
DUSOBANUKIRWE N’IKIBAZO: KONTI UFITE YAKWUNGURA IKI?
Habimana atangira atubaza ikibazo cy’ingenzi: “Ni iyihe konti ufite ishobora kukuzanira ibi byose?”
None se koko hari konti ibasha:
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Gukura amafaranga yawe mu buryo bukomatanyije (compound interest)?
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Kurengera imitungo yawe igihe wapfuye cyangwa wagezweho n’inkiko, idafashwe n’umwenda cyangwa izindi mbogamizi z’ubuzima?
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Kugufasha kuzigamira abana bawe amashuri cyangwa gutunga igishoro cyo gutunga inzu cyangwa imodoka?
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Kuguha inyungu iri hejuru ya 8% nta gihombo gishoboka?
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Kugufasha kwigobotora inguzanyo z’inyungu zihanitse?
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Kuguha uburenganzira bwo gukoresha ayo mafaranga nta misoro?
Nibyo, birashoboka.
IUL & 770 ACCOUNT: KONTI ZIGUHINDURIRA IMIBEREHO
Habimana avuga ko abenshi mu baturage, yaba abari mu Rwanda cyangwa mu mahanga, batabasha gutekereza ku buryo bwo kuzigama butarimo banki, inguzanyo cyangwa amasoko y’imari. IUL cyangwa 770 account ni uburyo bukiri bushya ku benshi ariko bwizewe cyane mu rwego mpuzamahanga.
1. IUL (Indexed Universal Life Insurance)
Ni ubwoko bwa “life insurance” bwunganira ubuzima bwawe ndetse n’ubukungu bwawe. Ubu buryo bushyirwamo amafaranga nk’ubwizigame ariko bukavamo inyungu nyinshi zitangwa hashingiwe ku gipimo cy’izamuka ry’isoko (index), urugero nka S&P 500.
Uburyo bukora:
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Iyo ukoresha IUL, amafaranga yawe arabikwa nk’ubwizigame ariko agakurikirana igipimo cy’izamuka ry’isoko.
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Hariho igipimo fatizo (floor) kidashobora kurenga hasi – bigatuma nta gihombo kibaho, ndetse ugashyirirwaho n’ikirenzeho ntugire inyungu nyinshi zirengeje urugero runaka (cap).
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Inyungu ubona ni compound, bivuze ko izamuka ku mafaranga yose, harimo n’inyungu yabanjirijeho.
2. 770 Account
Iyi konti ikunze kwitiranywa na IUL kuko nayo ibika amafaranga mu buryo butajyamo imisoro igihe wabyungukiyemo. Izwi kandi ku izina rya “private banking” – ni uburyo abantu bakize cyangwa abashoramari bakoresha bashaka kungukira ku bwizigame bwabo batikanga igihombo cyangwa imisoro.
Ibyiza bya 770 account:
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Amadolari cyangwa amafaranga uyashyira muri konti agakurikirana isoko ariko atagabanwa na misoro.
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Ntuyashyirwa mu gaciro mu gihe cy’inkiko, gusaba inguzanyo cyangwa imanza za gatanya.
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Umuryango wawe uhita uhabwa amafaranga y’inyongera igihe utakaje ubuzima.
INTORE MU BWIYEMEZI: HABIMANA CHRISTIAN
Nk’umujyanama w’imari wabyigiye kandi ubimazemo igihe, Christian Habimana aratanga aya makuru mu rwego rwo kwigisha Abanyarwanda n’abandi baturage uburyo bashobora kwiteganyiriza ejo hazaza batagombye kuba abashoramari b’inkorokoro cyangwa abanyamigabane.
Yibanda cyane ku gufasha abantu:
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Kugira ubwirinzi bw’ubukungu igihe bagize ibibazo by’uburwayi, ubumuga cyangwa urupfu.
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Gukoresha amafaranga y’imisoro mu buryo butanga inyungu – aho amafaranga atigabanwa na RRA cyangwa IRS.
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Guteganyiriza abana babo amashuri n’ibindi bikorwa binini by’ubuzima (imodoka, inzu, ibibanza).
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Kugira ubuzima bw’imari budahangayitse igihe bageze mu zabukuru.
IBYO HABIMANA YIBANDAHO MU BUTUMWA BWE
Reka dusubire mu butumwa bwe burambuye, buri murongo ugira icyo ubwira uwashobora kuba umukiriya:
✔ Gukura kw’amafaranga mu buryo bukomatanyije (compound interest) nta misoro
Ni ubundi buryo bwo kubona inyungu ntizigabanwe n’umusoro wa leta, binyuze mu gihe amafaranga yawe akura nk’uko inguzanyo cyangwa ingwate bikurwaho.
✔ Kurinda imitungo yawe inkiko, ibibazo by’amadeni cyangwa gatanya
IUL n’iyo wagira ikibazo cy’urupfu, amadeni cyangwa inkiko, amafaranga aba atekanye.
✔ Gusimbura umushahara igihe wagize ubumuga cyangwa indwara
Izi konti ziba zirimo ubwishingizi bushobora kugusimburira umushahara igihe ubaye impumyi, ufite kanseri cyangwa ubumuga bw’ingingo.
✔ Kwizigamira amashuri y’abana, inzu cyangwa imodoka
Ushobora gukuramo amafaranga ayo ari yo yose igihe cyose, ntayavanyweho umusoro.
✔ Kudahomba: inyungu zisumba 8% nta gihombo
Banki nyinshi zitanga 2% cyangwa munsi yayo. Ariko IUL/770 account itanga 8% kuzamura, nta bushakashatsi ukeneye gukora.
✔ Kugira umutungo uzungurizwa nta misoro (tax-free generational wealth)
Abana n’abuzukuru bawe barawungukiraho nta kiguzi.
✔ Guhabwa inguzanyo nta nyungu (interest-free loans)
Ni bwo buryo buke buguha amafranga yawe muri konti nk’inguzanyo – udatanze inyungu, udatanze umusoro, udashaka ibyangombwa.
✔ Kugenzura niba wemerewe IUL cyangwa 770 Account
Asoza agira ati: “Menya niba wemerewe iyi konti ya IUL cyangwa 770 itanga ibi byose. Tuvugane uyu munsi.”
UMWANA UTABYINA YIGIRA KU BANYABYINA: IYO KURIKIRA HABIMANA CHRISTIAN
Kubera akamaro k’ubu buryo, birakwiye ko utangira kubwiga no kubukurikira neza. Christian Habimana ari hafi y’abamukeneye ku buryo bwose bukurikira:
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Telefone / WhatsApp: +1 202 469 1539
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Imeli: habichris95@gmail.com
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Instagram: @chris_habi
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Facebook: Habimana Christian
Akorera muri Leta Zunze Ubumwe z’Amerika ariko kandi arakora inama n’Abanyarwanda n’abandi b’Afurika baba hose ku isi, haba hifashishijwe internet (Zoom, Google Meet, WhatsApp) cyangwa ku giti cyawe.
EJO HAZAZA HATEKANIYE ABATANGIRA UYU MUNSI
Kugira amafaranga ni ibintu byinshi: kuyakora, kuyabika, kuyashora neza, no kumenya aho kuyashyira hatuma agira akamaro kanini kurusha uko wabitekerezaga. IUL na 770 account zizatuma ubaho neza uyu munsi, ariko cyane cyane zizagufasha kubaho neza mu minsi iri imbere.
Ibyiza ntibiza mu buryo butunguranye – biza ku bantu biteguye, bamenye uko isi y’imari ikora. Nawe jya muri uwo murongo.
Hamagara Christian Habimana, maze ubone ubufasha bwo gutangira inzira nshya y’ubukungu bwizewe, butekanye kandi butarimo igihombo.
