Richard P Byarugaba
@rpbyaru
Followers
15,382
Following
1,718
Media
147
Statuses
2,184
Finance, Banking, Asset & Change Management Specialist
Kampala, Uganda
Joined December 2012
Don't wanna be here?
Send us removal request.
Explore trending content on Musk Viewer
#WeAreSeriesEP9
• 232862 Tweets
#บางกอกคณิกาep7
• 206003 Tweets
Gandhi
• 126102 Tweets
Tattvadarshi Sant Rampal Ji
• 124213 Tweets
TARO WITH ML
• 107299 Tweets
Hansi Flick
• 85010 Tweets
#FNS鬼レンチャン歌謡祭
• 61309 Tweets
National Anthem
• 50856 Tweets
海ちゃん
• 41986 Tweets
新庄監督
• 33687 Tweets
Moana 2
• 30693 Tweets
森林環境税
• 26351 Tweets
ヤクルト
• 23048 Tweets
Jadue
• 20722 Tweets
サヨナラ
• 20225 Tweets
PABLO COSMIC RULER
• 17755 Tweets
MATTEUS NO ENCONTRO
• 17079 Tweets
内田有紀
• 14239 Tweets
ヴェルディ
• 12085 Tweets
State of Play
• 11228 Tweets
ファンミ
• 11139 Tweets
Today the High Court delivered their verdict. We have had our day in court. We thank the court for hearing us out. We accept the ruling. We shall NOT appeal the matter. We wholeheartedly thank the appointing authority the President
@KagutaMuseveni
for having given us an
86
74
376
See what
@nssfug
has introduced onto the skyline of
#MbararaCity
... soon to be launched Mbarara City House
26
66
294
Don’t waste your pain.
10
14
109
Great stuff, Uganda coffee hits the Starbucks stores.. Met Jacob Elster at
#UNAA
http://t.co/bwyCIuB0bN
12
148
81
@rkabushenga
3 things to watch; expenses, expenses, expenses! It’s time to cut out wasteful spending to maximize net income. Money saved must be invested in short term treasuries. In uncertain times, it’s better to ride the short end of the yield curve but have the flexibility to raise cash.
10
23
62
We are at it again! Innovating for the customer … the 1st of its kind in Sub Saharan Africa. Pension Fund, Bank & Visa card..
@nssfug
@CentenaryBank
@Visa
12
8
55
@AineAmaani
@rkabushenga
Get a mortgage on day one after getting a job. Control expenses, save as a habit & start investing in the various stock exchanges in the world. Create portfolios for the future & do not look at short term gains/losses; longer is always a gain.
3
9
45
@rkabushenga
@nssfug
@rkabushenga
was discussed most of last week. Nothing new to add. Most of our investments are longtime & selling them to get cash would crash equity markets & send interest rates spiraling upwards. It would create more harm to the economy. GOU can use other tools not
@nssfug
13
13
40
#BarclaysAt90
enjoying the evening.. nice to hear the 90yr story which includes Nile Bank...
@MauriceMugisha
2
10
37
@rkabushenga
How to tell an investment idea is a scam;
1. Investment is not backed by an asset, be it inventory or PPE or monetary assets
2. It’s a complicated or unique investment opportunity.
3. Investment is offering a “guarantee” of returns and no risk
4. When returns on investment are..
3
14
31
@nssfug
@RedPepperUG
@DailyMonitor
@StanChartUGA
@BritamUganda
@BarclaysUganda
@PepsiUganda
@stanbicug
@housingfinanceU
@nbstv
That’s the proof that I conquered the 7hills of Kampala ....& pleased we collected money for the public schools of Uganda.... thanks all for turning up
#NSSFHashRun19
2
4
32
@jdmurungi
@nssfug
@rkabushenga
Treasury bills. 91,182 & 364 days. They are safe. You can invest from UGX100,000. Check
@BOU_Official
3
12
30
Guest of honour
@nssfug
10th ECASSA Social Protection Policy Makers Conference
@UgandaMediaCent
1
7
28
1
3
23
@IsabellaTugume
@RByarugaba
@nbstv
@lydianabakooza
@DMugumisa
Thanks for the Programme. Very professional & informative. Thanks for hosting me.
2
2
21
UAV 834A forming a 2nd lane near Vienna College & Quality Supermarket on the Nalya-Namugongo road at 4:23pm Saturday 24/3/18
@DailyMonitor
1
24
22
@collinearinda25
@rkabushenga
Not a fan of cryptocurrencies. How do they make value? What are you investing in? Is it backed by an asset, inventory or monetary assets? It is a complicated investment opportunity.
Returns on investment are not in sync with cash flows.
2
3
21
Getting ready for
#AskNSSFMD
#dontretirepoor
Voluntary Membership Plan
@nssfug
@nbstv
@mumakeith
@MalcolmMusiime
@MKyamutetera
@vkaramagi
4
13
21
@rkabushenga
Investment clubs are the best way for savers to pool resources as it lowers the unit cost & if they have a good investment committee, than they can change strategies to match the times. Investment clubs have the following great benefits for young people:
1. Wisdom of the crowd….
2
6
21
“Kurika amwaka nebiro bikuru” my favorite greeting! How very appropriate for 2023AD… it’s a goner…🤩🤩🤩🤩
3
0
19
@AineAmaani
@rkabushenga
1. Few counters listed 2. Companies prefer borrowing to listing. 3. Stringent rules for listing. 4. Transparency requirements means companies are relactant to expose themselves 5. Exchange is still young. etc..
1
5
18
@rkabushenga
3 important things about ideas to invest in:
1. Desirability - will customers like it. Is there a big enough problem to invest in? Is it affecting a good number of people?
2. Feasibility- Can the solution be built? Is technology available? Are the skills available?Will it work?
2
9
19
#NSSFREC18
@nssfug
customary selfie at the Northern Regional Members meeting in Arua town. Thanks for hosting us...
1
3
17
@Rwakakamba
@nssfug
@kasujja
@nbstv
@owere_usher
This is not even a choice.
@nssfug
is an old age pension scheme. Govt should be the one working on granting citizens relief either through tax cuts or helicopter payments like they have done in the UK. Most of
@nssfug
is invested in Govt bonds. Therefore hv discount bonds.
7
3
18
@rkabushenga
.. not in sync with the cash flows example is returns are given on a weekly basis yet investment cash flows are less frequent than weekly
0
3
17
@TonyGlencross
Will you join our
#BloodDonationChallenge
and
#SaveALifeWithNSSF
@nssfug
@DailyMonitor
@UgandaRedCross
1
4
17
@qataharraymond
@rkabushenga
@nssfug
My advice is to save for different needs using different portfolios. There must be goal based investments & financial advice is available in the market to achieve that..
@XenoUganda
0
3
15
@GtRaymond
@rkabushenga
The only variable is expenses as most times income is fixed for a period. You have control over which expenses to make or stop. That’s the discipline you need; save first before you spend. & invest your savings however small. I have already shared that on a another post.
0
3
16
@rkabushenga
Will people use it?
3. Viability - will people pay for this solution? Are there enough potential users? Is the timing right? Is it priced correctly so that it covers its operating costs?
Something to ponder: before covid..wld you have invested in Jumia if opportunity arose?…
2
7
16
😢 MYSRIP my OB Keith
I have just learnt about the passing of my predecessor, my senior, Mr Keith Muhakanizi. My thoughts and prayers are with his family and close friends. The Ministry shall issue an official communication in the due course. May the soul of Mr Muhakanizi rest in eternal peace.
85
75
614
0
0
15
@KagutaMuseveni
@nssfug
@MatiaK5
@mofpedU
Your excellency , the tax proposal within the NSSF amendment bill is an EET regime. The details are in the attached
@Moglsd_UG
6
7
13
This is Kampala, I wonder how many can read this billboard; apart from the 📱 number!
9
5
14
@aldeve
@rkabushenga
Contact a broker to open a CDS at the
@USEUganda
. The stock broker will start showing you offers on the market.
5
3
13
2
3
13
At the Barcelona Legends vs Uganda Cranes All stars football game with my girls.
0
6
13
@nizojunior
@rkabushenga
@nssfug
That’s not true.
@nssfug
doesn’t hold any deposits in commercial banks. Bank accounts in commercial banks are held for collecting contributions from Employers & receipt of investment income.
4
1
11
@rkabushenga
@fsnakazibwe
So true! Nothing at all. & when you start, you can’t stop..addictive stuff
2
1
12
@nssfug
just received the
@Africainvestor
Pension Fund Infrastructure Investment Initiative of the Year. Accolades keep coming; reflects the great work happening at
@nssfug
2
3
10
@qataharraymond
@rkabushenga
Too many requirements. Pension is meant to replace income in retirement. Most scheme set a target of 60% income replacement but most
@nssfug
pensioners achieve <40%. Makes it difficult to achieve all your goals.
1
3
11
#TWOW2018
,
@TwowAfrica
@nssfug
at this years conference. Working on solutions like access to capital. Pension 💰 is patient capital.
0
4
9
1
1
11
@rkabushenga
- no need to reinvent wheel
2. Spreading costs
3. Social engagement
However, be mindful of these challenges:
1. Significant regulatory obligations
2. Disagreements are common
3. Breaking up is hard.
The opportunity for fintech is to help overcome regulatory headaches...
1
7
11
@rkabushenga
@cobbo3
@Joelkibazo
@BBatwooki
@dfkm1970
@kasujja
@skaheru
@OfwonoOpondo
@AndrewMwenda
@pmwesige
@Kalinaki
@RugyendoQuotes
@kyam
@AgaSekalala
@TioKauma
@newvisionwire
@RugyeyoFarm
Well done GUY... enjoy the next chapter.
0
0
11
1
4
9
👋
@JaneRuth_Aceng
thank for the great work. Hope we can, at last, get the NHI legislation enacted in law.
2
2
10
@allandasB
@rkabushenga
It’s also a huge opportunity. Don’t give up. There is so much more you will be able to do in the future. Learn to relearn the things you now know. Be aware of the changes. You will be good.
0
3
9
@rkabushenga
process right now is too heavy on paper. Fintech can also make investment process and reporting to members as frictionless as possible.
1
2
9
@capitanoemma
@p_mulondo
@owere_usher
@Rwakakamba
@CAAUGANDA
@Sudhirntv
@fsnakazibwe
@nssfug
I support the amendments being proposed.
0
3
7
It’s already great to 🏃♂️ & meet! Enjoy the rest of the day
My routes. Today morning, walked 6.26km which is less than the 10km I walked last week on Sunday morning.
Most importantly, I met
@rpbyaru
on mutungo hill also jogging with colleagues. Bravo!!
0
0
6
0
2
9
@JosephAkol1
@nssfug
@AineAmaani
@rkabushenga
The quick answer is Treasury bonds. They available from
@BOU_Official
in tenors of 2,3,5,10,15 & 20yrs
1
4
8
2
1
2
@Natabaalo
@nssfug
We apologize for this oversight and will ensure that we balance this out next time...Thanks for highlighting this... we promise to do better next time
0
4
8
About to go live with
#AskNSSFMD
session, I will be personally answering your questions about
@nssfug
http://t.co/u2KfQ6NzbQ
1
10
7
1
2
7
@WaisAdam
@PatriqKanyomozi
@Ugaman01
@Jadwong
@BOU_Official
It’s not true! It’s an old April fools joke that’s gone viral... no idea why the story run again today.
2
5
8
@nssfug
@PRAU_Uganda
Yet another milestone....well done colleagues
@nssfug
for making us proud. Running out of 🥂to celebrate 🎉
2
4
6
@flytmart
@JesseMuhwezi
@nssfug
Not under the current law but the amendments in the bill in parliament will allow midterm access for a down payment. Additionally, we shall allow home buys to rent to own.
3
2
7
Hello Patrick, will you join our
#BloodDonationChallenge
and
#SaveALifeWithNSSF
@stanbicug
@nssfug
@UgandaRedCross
@ubtsug
2
4
6
@Afidraphilliam4
@ntvuganda
@nssfug
Sorry that you appear to be upset. I can understand.. but please tune-in to hear that it’s NOT true that government is going to tax your money. In addition, you will get your 20% after
@Parliament_Ug
has passed the newly introduced
@nssfug
amendment bill 2021.
2
3
7
@rkabushenga
will you join our
#BloodDonationChallenge
and
#SaveALifeWithNSSF
@nssfug
@VisionGrp
@UgandaRedCross
0
1
6
@cepil_uganda
@SpeakerOfParlUG
@arkwesi
@dltum
@bwiite
@nssfug
Current: Age Benefit, Invalidity Benefit and Survivors Benefit. Proposed Mid term like Medical, Unemployment, Education and Housing. These would come from voluntary contributions rather than mandatory ones.
4
6
7
I cheer for the
#Cranes
🇺🇬 in the
#TotalAFCON2019
against Zimbabwe 🇿🇼! Go Uganda!
#UGAZIM
#FootballTogether
0
1
7