Ibyo wakwitaho igihe ushaka gushora imari
Hari ikintu kimwe mutigera munyurwa na cyo; ni inama z'ishoramari. Hari ibintu byinshi mukwiye gutekerezaho byimbitse no kwitondera mbere yo gufata icyemezo cy'ishoramari.
Mu by'ukuri, amahirwe y'ishoramari ashobora kugenda mu buryo bubiri: ashobora kukugeza ku byishimo cyangwa akakuviramo agahinda kenshi. Tekereza ku mishinga yo kugwagira ubukire vuba wigeze wumva cyangwa wahuriyemo na yo mu buzima bwawe. Waba warigeze uhuzwa n'ubu bwambuzi? Niba waragize icyo gihe, ese iyo usubije amaso inyuma, wumvise ijwi ry'umutima rikubwira kutagenda cyangwa gukora isuzuma ry'ibanze, ariko ukomeza ukashora amafaranga yawe wakoze cyane? Twihanganishije ku gihombo cyawe. Twese twigeze gutakaza amafaranga mu buryo runaka; niba utaragira icyo gihombo, witegereze inama tuzaganiraho hano.
Ingamba z'ishoramari
Ikibazo cy'ibanze ugomba kwibaza igihe cyose ufite icyemezo cy'ishoramari cyo gufata ni iki: impamvu yanjye ni iyihe? Shyiraho impamvu, ukore gahunda y'ishoramari inoze kandi uyikurikize.
Impamvu zimwe zishobora kuba:
Gutangiza cyangwa kwagura ubucuruzi bwawe
Gushaka amafaranga yo kubaka inzu y'inzozi zawe
Kubaka umutungo uzasigira abakomoka kuri wowe
Gushaka amafaranga y'izabukuru
Gushyiraho ikigega cy'amafaranga yihutirwa cyangwa azigamwe ashobora kuboneka vuba
Gutanga inkunga y'ubutabazi
Ubushakashatsi n'isuzuma ry'ibanze
Reka ubwenge aho kuba amarangamutima bigufashe gufata icyo cyemezo, kandi wemeze ukuri kw'amakuru n'agaciro k'ishoramari mbere yo kwiyemeza. Shakisha amategeko agenga igicuruzwa, harimo imisoro, amafaranga yishyurwa, imikorere yacyo mu gihe cyashize, uko isosiyete iyoborwa, n'ingamba zayo z'ejo hazaza. Komeza kumenya ibibera ku isi kugira ngo utazacikwa n'amahirwe yo kungukira ku ishoramari.
Ubushobozi bwo kwemera ibyago.
Ni ryari ushobora kwemera ibyago? Ese witeguye kwemera ibyago bikomeye ku nyungu nyinshi (ushobora kwemera ibyago byinshi), cyangwa wirinda ibyago (utinya ibyago byinshi, ukunda inyungu zisanzwe zifite ibyago bike)?
Turi mu bihe bihinduka aho amasoko y'imari ahora ahinduka kandi agenzurwa, cyane cyane na guverinoma, ibihuha by'ubucuruzi, isano hagati y'isoko n'ibisabwa, ifaranga ryiyongera, ibikorwa by'ubucuruzi mpuzamahanga, ndetse vuba aha n'icyorezo cyo ku isi nk'uko tubibonye.
Witondere gupima ibyago ugereranyije n'ibiciro, igihe bizamara, n'inyungu ku ishoramari.
Igiciro cy'amahirwe yatakaye.
Reka nkumurikire ibi. Tekereza ko inshuti zawe zavuze ku kujya mu biruhuko byiza i Lamu. Ese wakwemera kubireka kubera ko wumvise ko hari ubutaka bufite agaciro kanini bwagabanyirijwe igiciro, kandi amafaranga wagenderaga ku biruhuko yashobora kujya mu kugura ubwo butaka? Noneho, igiciro cy'amahirwe yatakaye cyo kugura ubutaka aho gujya mu biruhuko ni igiciro cy'ibyo biruhuko.
Ibi biratugeza ku kibazo; ese ushobora kuba uri gutakaza andi mahitamo y'ishoramari mu gihe ukomeje gufata ayo usanzwe ufite adatera imbere cyane?
Igihe n'agaciro k'amafaranga mu gihe
Igihe ni ingenzi cyane mu gushora imari. Wakwitegura kugumisha amafaranga yawe mu ishoramari kugeza ryari kugira ngo ugere ku ntego yawe cyangwa ku byo wifuza, mu gihe gito cyangwa kirekire? Ishoramari kandi rigomba gushobora guhuza n'umutungo wifuza ndetse n'igihe wateganyije.
Agaciro k'amafaranga kagenda kagabanuka uko igihe gihita, bityo ni ngombwa kwemeza ko ishoramari ryawe ritanga inyungu, ariko ibyo bikaba mu rwego rwumvikana no mu rwego rw'ibyago bike. Byongeye kandi, uko utangiye gushora imari hakiri kare, ni ko wunguka byinshi, kandi ni byiza kuri wowe kuko bigufasha kongera inyungu zawe.
Igishoro cy'ishoramari.
Nta gushidikanya ko ibi bigena uburyo ushora imari. Nyamara, ibi ntibivuga ko wakwigabanyiriza amahitamo, urugero: abafite igishoro gito bashobora kureba ibigo bishora imari hamwe nka Unit Trusts, Chamas (amatsinda y'ishoramari), n'ibindi, bagashora mu bigega by'imari aho umubare ntarengwa wo gushora wagora abantu ku giti cyabo.
Muri iki gihe kandi ushobora gukoresha inkunga n'serivisi z'imari nk'inguzanyo, ibaruwa y'inguzanyo (letters of credit), inkunga y'ubucuruzi, inkunga ku mutungo, n'ubundi buryo bwinshi. Fata igihe cyawe usobanukirwe amagarama, amabwiriza n'ibyago bifitanye isano na byo. Buri gihe fata ibyemezo bishingiye ku bumenyi.
Ushobora buri gihe gushaka inama z'inzobere igihe bibaye ngombwa. Ibuka ko, "Ishoramari mu bumenyi ritanga inyungu nziza kurusha izindi." ~Benjamin Franklin.
Ubu ushobora kwinjira mu kwezi kwa Gashyantare wizeye, witeguye gufata icyemezo cyuzuye cyo gushora imari muri uwo mushinga cyangwa ayo mahirwe. Ibyiza byose!
Turi kuruhande rwawe!
