Mutual funds kye ki, mutual funds ezisinga obulungi, engeri y’okukolamu ssente

Mutual fund (PIF) ye portfolio y’emiwendo gy’ebintu ebikung’aanyizibwa maneja eri abantu abaagala okuteeka ssente. Ensonga eri nti teweetaaga kukungaanya portfolio ku bubwo, mutual funds beetaba mu katale abakugu (
brokers , banking divisions, management companies) okuva mu bika by’ebikozesebwa mu by’ensimbi ebiwerako era ne bawa bakasitoma okugula omugabo ku mutual fund.

Omugabo gwa mutual fund

Kasitoma bw’ayingira ku akawunti ye ey’obuntu okugula mutual fund, aweebwa okulondamu ebifo ebirimu bondi ne sitoowa z’ebitundu eby’enjawulo: amafuta ne ggaasi, okukola ebyuma, ebikozesebwa ebisookerwako, IT n’ebirala. Bbeeyi y’okugula ekifo ekiyitibwa portfolio gwe mugabo gwa mutual fund oba omugabo. Kiyinza okugulibwa, okutundibwa, n’okutuuka n’okuteekebwako omusingo okusinziira ku mbeera eyo. Kiteeberezebwa nti ebbeeyi y’omugabo ejja kukula okumala ekiseera, singa enkola ya nsawo eno ezuuka ng’esobola, oluvannyuma lw’ekiseera omusigansimbi asobola okutunda omugabo gwe ku ssente ezisukka ku ze yagula n’akola amagoba, waakiri kino bwe kiri engeri byonna gye birabika mu nsi ennungi.

Bannannyini Mutual Fund

Ensimbi za mutual fund ziddukanyizibwa kkampuni eddukanya, abakozi ba kkampuni eddukanya be basalawo ebikozesebwa bye balina okugula ne ssente z’abalina emigabo okusobola okubaleetera emiganyulo mu by’ensimbi. Kkampuni eddukanya emirimu kitongole kya nsimbi. Mu Russia mulimu kkampuni ennene eziddukanya emirimu nga 50, nga ezisinga obulungi ziri mu kibiina ekinene eky’ebyensimbi. Okugeza ekibiina ky’ebyensimbi ekya Sberbank, ekirimu bbanka, kkampuni ekola ku by’okutunda ebintu ne kkampuni eddukanya emirimu – Sberbank Asset Management.
Kkampuni eddukanya evunaanyizibwa ku kutondawo ensawo ey’okugatta ensawo, okuddukanya eby’obugagga bya nsawo mu ngeri ey’obwesige, okusalawo ku kugula, okutunda eby’obugagga bya nsawo, era evunaanyizibwa ku kuzzaayo ssente eri bannannyini migabo. Osobola okugula mutual fund si butereevu okuva mu kkampuni eddukanya, wabula ng’oyita mu agenti, nga bangi, by the way, bwe batera okukola. Ba agenti be ba: bbanka, kkampuni za brokerage, naye kisingako obusobozi okukola kino butereevu ne kkampuni eddukanya, kubanga olwo ejja kuba n’obuvunaanyizibwa eri omusigansimbi ku buvunaanyizibwa bwayo. Kkampuni ezisinga obunene mu Russia mu muwendo gw’eby’obugagga, kwe kugamba, okusinziira ku bungi bwa ssente kkampuni z’erina mu kuddukanya mu kiseera kino, ze zino: Sberbank Asset Management, VTB Capital Asset Management, Alfa Capital, Raiffeisen Capital, okutereka ssente z’akasiimo .

Mutual fund ki eziriwo era option ki eyinza okukwatagana n’ani

Singa omusigansimbi aba alowooza ku ky’okuteeka ssente mu migabo, waliwo ensonga eziwerako z’alina okulowoozaako:

1. Mutual funds zaawukana mu ludda lw’okuteeka ssente , kwe kugamba, waliwo mutual funds eziteeka ssente mu sitoowa, bondi, ssente, ebizimbe, ebyuma eby’omuwendo n’ebifaananyi. Naye olina okutegeera nti mutual funds of shares tezitera kusindika kikumi ku buli kikumi ku ssente zonna mu shares, nga etteeka, waliwo fixed restrictions, okugeza, bweba mutual fund of shares, olwo 80% of the ssente zirina okuteekebwa mu migabo, ebitundu 20% biyinza okugwa ku bondi.
2. Waliwo mixed mutual funds eziteeka ebitundu 50% okutuuka ku 50%. Ekitundu kiweebwa sitoowa, ekisigadde kiweebwa bondi. Mu Russia, zigabanyizibwamu ssente za mutual funds eri bamusigansimbi abalina ebisaanyizo abateeka ssente mu by’obugagga byonna, wadde ebisinga okuba eby’akabi, wamu ne mutual funds eziriwo eri abantu bangi: bamusigansimbi abatalina bisaanyizo, oba bamusigansimbi abasuubuzi. Ebintu byabwe eby’enjawulo ebiriwo bikoma ku bikozesebwa mu by’ensimbi ebitali bya bulabe nnyo.

Tukujjukiza nti bondi kye kisinga okwesigika
. N’olwekyo, omusigansimbi bw’ategeera mutual fund gy’egenda okuteeka ssente ze, kirungi okumanyiira ekirangiriro ky’okuteeka ssente mu buli mutual fund, kubanga kiraga bulungi omugabo ki ku ssente ezo ne kkampuni ki eziddukanya ze zirina eddembe okuziteekamu. Ng’oggyeeko ebikozesebwa ssente z’abatereka we zigenda, ssente z’okugatta emigabo zaawukana mu kugula n’okutunda emigabo mu biseera. Wano waliwo ebika ebikulu 3:

• open mutual funds, emigabo gyazo giyinza okugulibwa n’okununulibwa butereevu buli lunaku. Mutual funds ng’ezo, okusinziira ku kuba nti ssente zisobola okuziggyibwako amangu, ziteeka ssente mu bintu ebirimu amazzi, okugeza, mu migabo gya blue chips , nga bulijjo wabaawo obwetaavu;
• interval funds – yuniti ezisobola okugulibwa oba okutundibwa mu biseera ebigere. Nga etteeka, kino kiyinza okukolebwa emirundi egiwerako mu mwaka;
• Ekika eky’okusatu ye ssente eziggaddwa -okutwalira awamu emigabo gyazo gisobola okugulibwa mu kiseera kyokka nga ensawo ekolebwa, era ne bitundibwa nga ensawo eggaddwa.

Ekika ekyokubiri n’ekyokusatu – interval ne closed-end funds zisobola okwetuusaako okuteeka ssente mu bikozesebwa ebitali bya mazzi matono, kubanga balagula ddi bamusigansimbi lwe basobola okubiggyamu ssente. Ku ludda olumu, ebikozesebwa ebitalina mazzi matono biba n’akabi akasingako, naye ku ludda olulala, biba n’obusobozi obulungi obw’okukola amagoba. N’olwekyo, kirungi abakuumaddembe okulonda open mutual funds. Singa omusigansimbi aba mwetegefu okutwala akabi, olwo interval oba closed ones zijja kukola.

Omugabo gumu guli mmeka

Tukujjukiza nti bbeeyi y’omugabo ekyukakyuka buli lunaku, era okusinziira ku kino kisinziira butereevu ku muwendo gw’eby’obugagga ensawo by’efunye. Enyingiza ya bamusigansimbi ejja kusalibwawo okusinziira ku bbeeyi y’emigabo gy’erinnye. Osobola okulondoola enkyukakyuka mu bbeeyi y’omugabo ku mukutu gwa kkampuni eziddukanya emirimu ne mu nsonda endala eziggule. Ensimbi zino zifulumya omuwendo gw’emigabo buli lunaku ku nkomerero y’olunaku, n’ezo ezitali zimu n’eziggaddwa waakiri omulundi gumu mu mwezi. Bw’aba agula omugabo, omusigansimbi asasula omutemwa. Ye, okusinziira ku bungi bw’ensimbi eziteekeddwamu, ne agenti mw’ayita okugula ssente z’okugatta, esobola okutuuka ku bitundu 5 ku buli 100 ku muwendo gw’ensimbi eziteekeddwamu. Bw’oba ​​otunda omugabo, okikola n’ekyo ekiyitibwa discount. Kisinziira ku bbanga omusigansimbi ly’amaze ng’alina omugabo, ku bukwakkulizo obw’enjawulo obwa agenti. Nga etteeka, essuula tesukka bitundu bisatu ku buli kikumi ku muwendo gwayo.

1. Okubeerawo . Ensimbi eziteekebwa mu mutual fund zirina ekipimo ekitono eky’okuyingira. Osobola okutandika okuva ku 1000 rubles
2. Obukugu mu nzirukanya y’emirimu . Abakugu be baddukanya ssente za bamusigansimbi. Mu butuufu, ensonga eno ya moot, kubanga abakugu mu by’ekikugu bamanyi okuteeka ssente: okuggulawo akawunti, okugula ebikozesebwa mu by’ensimbi, okuteekawo akakwakkulizo k’okuggulawo obusuubuzi. Naye abakugu tebamanyi kya kugula kufuuka bukadde enkya kubanga, ebyembi, obutale bw’ebyensimbi mu buzaale tebutegeerekeka. N’olwekyo, oluusi, Paul the octopus asobola okuwa okuteebereza okutuufu ku sitooka okusinga omukugu alina obumanyirivu obw’emyaka mingi.
3. Amakungula amangi . Mutual funds bwe zitundibwa, omuguzi ategeezebwa ku nsimbi eziyinza okuvaamu ennyingi, ezijja okuba nnyingi okusinga ku nnyingiza ku bitereke. Ekisooka, ensimbi eziyingira mu mutual fund tezikakasibwa mu ngeri yonna era mutual fund eteeka ssente mu kika ky’eby’obugagga. Singa akatale tekakula mu kiseera ekyo ng’omusigansimbi y’alina mutual fund, olwo mutual fund tejja kulaga magoba gonna, ate ng’amagoba g’okutereka gakyali gateekeddwateekeddwa. Okutwaliza awamu, kya bwenkanya okugeraageranya amagoba ga mutual funds si na ssente eziterekeddwa, wabula n’omuwendo. Olwo osobola okutegeera engeri active management gyesinga okukola amagoba – just investing in the index.
4. Boogera ku busuulu obutono , naye amawulire si matuufu bulijjo. Mutual funds mboozi ya bbeeyi nnyo eri omuntu azigula, era, ddala, ya bbeeyi nnyo okusinga okuteeka ssente ku bubwo.
5. Obuyinza bw’amazzi . Emigabo gya open funds gisobola okutundibwa ekiseera kyonna awatali kufiirwa kwongerako, kino kituufu, naye bwe twogera ku migabo mu liquid instruments, olwo kino kiyinza okukolebwa ekiseera kyonna awatali kufiirwa kwongerako.
6. Omusolo ogw’enkizo . Kkampuni ezimu ez’ebyensimbi zigamba nti olw’okukula kw’eby’obugagga bya mutual fund, bamusigansimbi basobola okusonyiyibwa omusolo ku nfuna singa bafuna ssente ezitakka wansi wa bukadde busatu omwaka ku migabo, singa baba n’emigabo okumala emyaka egisukka mu esatu. Kino kye kimu ne ku butale obwa bulijjo n’obw’emigabo. Okusinziira ku kino, omusolo ku nfuna ku nkula y’omuwendo gw’ebintu tegusasulwa.

Njawulo ki eri wakati wa mutual fund ne ETF?

Today, the ETF instrument is gaining popularity
, kwe kugamba, ssente ezisuubulirwa ku exchange, zisinga okwettanirwa okusinga ennungi enkadde retro-grad mutual funds. Singa tugeraageranya mutual funds ne ETFs, olwo ebirungi ebiri mu eyookubiri biri ku ngulu.

1. Ekisooka, zibeera za mazzi mangi, nnyangu okugula, zigulibwa nga ziyita ku akawunti ya brokerage oba tusobola n’okuzigula ku mikutu emirala, waliwo n’omuganyulo gw’omusolo.
2. Mutual funds zigulibwa mu ofiisi ya kampuni eddukanya emirimu, ku mukutu gwabwe ogwa yintaneeti. Tekisoboka kugula mutual fund ng’oyita ku akawunti ya brokerage n’emikutu emirala. Eno nsonga mbi.
3. Mutual funds ziddukanyizibwa nnyo. Ba maneja bulijjo bagezaako okusinga omuwendo gw’ebintu, ate kumpi bulijjo ETF zigoberera omuwendo gwa sitoowa.
4. Ku mutual fund, singa akakiiko kaba mu bbanga lya bitundu 3.5 ku buli 100, nga tobaliddemu markups na discounts, olwo ku ETFs, akakiiko kaba wansi. Mu Russia, kino tekiwera kimu ku buli kikumi, era wano tewali byewuunyisa birala bisaanidde kusuubirwa.

Mutual fund ezimu zirina omuze omubi ogw’okukyusa mu bwangu amateeka gazo agakwata ku kusiga ensimbi n’okuteeka ssente mu bamusigansimbi’. ssente mu by’obugagga ebirala, so nga omusigansimbi ayinza obutategeezebwa. Tosuubira byewuunyisa nga bino okuva mu ETFs.

ETFs eziyitibwa ETFs

Ensimbi z’okusiga ensimbi zigenda ziggwaawo mpolampola bwe kituuka ku ssente z’okusiga ensimbi eziwaayo okuteeka ssente mu bikozesebwa ebisuubulirwa mu kuwaanyisiganya ssente. Waliwo engeri bbiri ez’okuddako wano:

1. Okuteeka ssente mu ETF kitera okuba eky’okukola eky’amagoba eri omusigansimbi okusinga mutual fund.
2. Enkola eyokubiri kwe kugula okwetongodde okw’emigabo, bondi, ebikozesebwa ebirala eby’ensimbi : ku akawunti y’okusiga ensimbi ssekinnoomu olw’okuteeka ssente mu bbanga eggwanvu, n’oluvannyuma okufuna omusolo oguggyibwako oluvannyuma.

Ne yinvesita omutandisi asobola
okwekolera portfolio ekitali kibi okusinga ba maneja abakugu bwe bamukolera. Ekirala kino olina okuba n’obukugu obumu, singa omusigansimbi aba talina bukugu obw’engeri eyo, olwo kiba kirungi okugula ssente za ETF.

Mu mbeera ki ssente za mutual ziyinza okuba ez’amagoba?

Okugeza omuntu bw’aba atunuulira eby’obugagga eby’omu ttaka, olwo ssente z’okutunda ettaka n’amayumba zisobola okufuuka ekintu eky’enjawulo gy’ali. Eno mu butuufu ye analogue ya Russia ey’emiwendo gy’Amerika. Oba mutual funds eziteeka ssente mu bintu by’emikono, kubanga kizibu nnyo omusigansimbi atalina bukugu bwa njawulo okuteeka ssente mu mulimu gwa IT, olwo mutual funds wano ziyamba buli muntu ayagala okugezaako mu kitundu kino okukola kino.

Oteeka otya okuteeka ssente mu mutual funds?

Okusobola okuteeka ssente mu mutual fund, ojja kwetaaga okuggulawo akawunti ne broker, singa akawunti eba nzigule, olwo kisigala okunoonya tab eriko olukalala lwa mutual funds n’olondako esaanira. Endowooza y’abakugu nnungi, naye kyetaagisa omusigansimbi okutegeera emisingi gy’ebyenfuna n’okuba n’ekirowoozo ku katale k’emigabo, bwe kiba kisoboka, olwo yeebuuze ku broker. Kino kiyamba okulonda PIF entuufu.

Ekikulu: kebera oba waliwo layisinsi ku mukutu: https://www.cbr.ru/registries/RSCI/activity_uk_if/

okugereka amagoba ga ssente za mutual fund

ssente z’okugatta abantu	Okukungula	Omukutu gwa yintaneeti
Enkola Kapito – Essimu	14.88% .	https://sistema-capital.com/katalogu/ Obubaka bwa Kampala.
URALSIB Zaabu	3.66% .	https://www.uralsib.ru/okusiga ensimbi-ne yinsuwa/ivestitsii/paevye-okusiga ensimbinye-fondy-pif-/
Sberbank – Akatale k’amabanja mu nsi yonna	2.58% .	https://www.sber-am.ru/abantu ssekinnoomu/ensimbi/
RGS-Zoloto nga bwe kiri	2.09% .	https://www.rgsbank.ru/omuntu/okusiga ensimbi/pif/open/
Raiffeisen – Zaabu	2.02% .	https://www.raiffeisen.ru/retail/okuteeka_ensimbi/ensimbi/
Gazprombank – Zaabu	1.75% .	https://www.gpb-am.ru/omuntu kinnoomu/pif
Okuzimba okupya	1.72% .	http://pif.naufor.ru/pif.asp?ekikolwa=okulaba&id=3164
Kapital-zaabu	1.69% .	http://www.kapital-pif.ru/ru/ebikwata ku/

Mutual funds (mutual funds): kiki era mutual fund ekola etya, okupima mutual funds ezisinga obulungi okusinziira ku magoba: https://youtu.be/GB_UJvUDy_s

Mutual funds za Sberbank – omugabo mu Sberbank gwe guliwa?

Sberbank bbanka emanyiddwa era eyesigika era ebaddewo okumala emyaka egisukka mu 100. Kiba kya magezi okuteeka ssente mu bbanka ng’eyo, era ku kino waliwo ebika bingi ebya mutual funds, tujja kulaga ebikulu:

1. Ensawo ya bond – Ilya Muromets ( https://www.sberbank.ru/ru/omuntu/okusiga ensimbi/pifs/ensawo_bond_im ). Kirimu bondi za gavumenti, munisipaali, ez’amakampuni ez’abafulumya Russia abeesigika. Efuna ssente okuva mu kusasula coupon n’okukula kw’omuwendo gw’eby’obugagga. Mutual investment fund nga erimu akabi akatono ku bitundu 0-5%, enyingiza eri waggulu w’ebbeeyi y’ebintu eya 8-10% n’obusobozi obw’ekigero.
2. Ensawo y’emigabo ne bondi – Ensimbi eziteekeddwa mu bbalansi ( https://www.sberbank.ru/ru/person/investments/pifs/fund_balanced ). Ensawo ya mixed mutual fund egatta ebika bibiri eby’emiwendo gy’ebintu. Amagoba agava mu capital gains, enyingiza okuva mu bondi. Okusinga okuteeka ssente mu bikozesebwa mu by’ensimbi ebya Russia, amagoba ga 10-20%, akabi ak’amaanyi n’ensimbi ez’ekigero.
3. Ensawo ya Dobrynya Nikitich ( https://www.sberbank.ru/ru/person/investments/pifs/fund_equity_dn- ) erimu emigabo gya kkampuni za Russia. Ekifuula ensawo eno okuba ey’akabi ennyo, okukola amagoba 15-20% n’okukuuma ssente ez’ekigero.

Ensimbi za Sberbank ezisuubulirwa mu kuwaanyisiganya: kigwana okuteeka ssente – SBMX, SBSP, SBRB, SBCB ne SBGB mutual funds: https://youtu.be/DBRrF-z-1do

Ensimbi z’Okwegatta Tinkoff

Ekwata ekifo eky’oku ntikko mu ba broker abamanyiddwa ennyo, ekwata ekifo ekisooka mu muwendo gwa bakasitoma abakola n’okuteeka ssente mu mutual funds za bbanka, etwalibwa nga bizinensi eyesigika era ekola amagoba.

1. Eternal RUB portfolio ( https://www.tinkoff.ru/invest/etfs/TRUR/ ) – Ensawo eno eteeka ssente mu bikozesebwa bisatu, sitoowa za Russia ne bondi, zaabu. Okuteeka ssente mu bikozesebwa eby’enjawulo eby’ensimbi kikusobozesa okutwala akabi akatono ng’oteeka ssente, naye mu kiseera kye kimu kifuula ekivaamu amagoba amatono ebitundu 5-10%. Bbeeyi y’okuyingira 6.04 rubles.
2. Enyingiza ey’olubeerera USD ( https://www.tinkoff.ru/invest/etfs/TUSD/ ) – eraga okuteeka ssente mu sitoowa z’Amerika, bondi ne zaabu mu migabo esatu egy’enkanankana. Amakungula mu ddoola 5-10%, nga waliwo akabi akatono. Omugabo gugula ddoola 0.2.
3. Enyingiza ey’olubeerera EU R ( https://www.tinkoff.ru/invest/etfs/TEUR/ ) – eraga okuteeka ssente mu sitoowa za Bulaaya, bondi ne zaabu mu migabo esatu egy’enkanankana. Amakungula mu euro 3-5%, akabi akatono. Ebisale by’okuteeka ssente mu bizinensi biba Euro 0.10.

Ensimbi z’Okwegatta Alfa Capital

Kkampuni eddukanya egaba ekika ky’okusiga ensimbi mu kkampuni ez’enjawulo ez’ensi yonna ne Russia. Abakugu beekenneenya buli kkampuni oluvannyuma ne bateeka ssente.

• Eky’obugagga ( https://www.alfacapital.ru/individual/pifs/opifa_akn/ ) – maneja ky’anoonya, yeekenneenya sitooka ezisuubiza mu bitongole by’amafuta ne ggaasi n’eddagala ly’amafuta, eby’okusima eby’obugagga eby’omu ttaka. Amakungula gaba ebitundu 15-30%.
• Emigabo egy’amazzi ( https://www.alfacapital.ru/individual/pifs/opifa_akliq/ ) – abasinga okufulumya emigabo mu Russia n’ebweru gye balondebwa, nga balina enkola y’ebyensimbi esinga obulungi n’essuubi ly’okukulaakulana. Amakungula 15-25%.
• Balance ( https://www.alfacapital.ru/individual/pifs/opif_aks/ ) – okuteeka ssente mu sitoowa ne bondi ezisinga obulungi mu Russia. Obulabe obw’ekigero n’okuddamu kwa 15-20%.

Mutual funds kye kimu ku bikozesebwa mu kuteeka ssente mu bizinensi, okufaananako n’okuteeka ssente endala, olina okulonda n’amagezi. Nga ateeka ssente mu mutual funds, omusigansimbi tasaasaana ku migabo gya muntu kinnoomu, wabula ateeka ssente mu kitundu ky’ebyenfuna oba mu makolero, eggwanga, emigabo gya gavumenti ne zaabu. Kirungi era kijja kuyamba abo abasanga obuzibu okukuguka mu kuteeka ssente mu bizinensi oba abatayagala kumala biseera ku kino. Bw’olondawo kkampuni ennungi eddukanya emirimu ng’erina ekipimo ky’okwesigamizibwa eky’amaanyi, osobola okuba omukkakkamu olw’ensimbi z’otaddemu. Okugula mutual fund, genda ku mukutu gwa broker ogende ku Investments tab, mu mbeera ezisinga waliwo omutwe omutono ogwa mutual fund, eyo osobola n’okusoma ensengeka ya mutual fund n’obala amagoba, wamu n’okubalirira… akabi akali mu kuteeka ssente. Omusingi omutono ogw’okuyingira guyamba okusikiriza kw’ekintu eky’ebyensimbi. Ebisale bya mutual fund byawukana okuva ku 6 rubles n’okudda waggulu, emirundi mingi broker oba kampuni eddukanya elondawo 100 oba 1000 rubles nga omuwendo omutono. Mu kiseera kye kimu, omuwendo gw’emigabo egyagulibwa tegukoma.Mutual funds kye kimu ku bikozesebwa mu kuteeka ssente mu bizinensi, okufaananako n’okuteeka ssente endala, olina okulonda n’amagezi. Nga ateeka ssente mu mutual funds, omusigansimbi tasaasaana ku migabo gya muntu kinnoomu, wabula ateeka ssente mu kitundu ky’ebyenfuna oba mu makolero, eggwanga, emigabo gya gavumenti ne zaabu. Kirungi era kijja kuyamba abo abasanga obuzibu okukuguka mu kuteeka ssente mu bizinensi oba abatayagala kumala biseera ku kino. Bw’olondawo kkampuni ennungi eddukanya emirimu ng’erina ekipimo ky’okwesigamizibwa eky’amaanyi, osobola okuba omukkakkamu olw’ensimbi z’otaddemu. Okugula mutual fund, genda ku mukutu gwa broker ogende ku Investments tab, mu mbeera ezisinga waliwo omutwe omutono ogwa mutual fund, eyo osobola n’okusoma ensengeka ya mutual fund n’obala amagoba, wamu n’okubalirira… akabi akali mu kuteeka ssente. Omusingi omutono ogw’okuyingira guyamba okusikiriza kw’ekintu eky’ebyensimbi. Ebisale bya mutual fund byawukana okuva ku 6 rubles n’okudda waggulu, emirundi mingi broker oba kampuni eddukanya elondawo 100 oba 1000 rubles nga omuwendo omutono. Mu kiseera kye kimu, omuwendo gw’emigabo egyagulibwa tegukoma. .

Ekisanja ky’okusiga ensimbi

Omusigansimbi asobola okugula n’okutunda omugabo ku lunaku lwe lumu, naye olina okutegeera nti olwo ssente ne zibula ku busuulu. Gy’okoma okukwata omugabo, gy’okoma okukola amagoba, okusikiriza n’emiwendo emirungi egy’amagoba amangi, bategeeza ekiseera kya myaka 3 oba 5, okumala omwezi mulamba okuteeka ssente mu bizinensi ziyinza obutayongera ku muwendo gwa mugabo.

Akabi

Waliwo emigabo egy’enjawulo nga girina akabi akatono, naye olwo amagoba gajja kuba matono. Amagoba gye gakoma okuba amangi, akabi gye kakoma okuba akanene. Okuva ebikozesebwa mu by’ensimbi bwe bitakwatibwako nkyukakyuka mu katale era akatale bwe kagwa, omuwendo gw’ensawo guyinza okugwa.