Richard P Byarugaba Profile Banner
Richard P Byarugaba Profile
Richard P Byarugaba

@rpbyaru

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Following
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Statuses
2,197

Finance, Banking, Asset & Change Management Specialist

Kampala, Uganda
Joined December 2012
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@rpbyaru
Richard P Byarugaba
4 years
Kampala’s skyline is being redefined! @nssfug Pension Towers is taking shape...
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@rpbyaru
Richard P Byarugaba
1 year
Two “retired” mates! @rkabushenga .. keep 🏃‍♂️ running 🏃‍♂️…
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@rpbyaru
Richard P Byarugaba
4 years
Uganda’s best kept secret. The @nssfug Lubowa Housing Project. Coming soon onto the market..
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@rpbyaru
Richard P Byarugaba
2 years
We got it for the @nssfug team & our members…the nation has recognized the great achievements at @nssfug over the last 10years. I’m thrilled & thank the good Lord.
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@rpbyaru
Richard P Byarugaba
3 months
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
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@rpbyaru
Richard P Byarugaba
5 years
See what ⁦ @nssfug ⁩ has introduced onto the skyline of #MbararaCity ... soon to be launched Mbarara City House
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@rpbyaru
Richard P Byarugaba
1 month
🙏
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@rpbyaru
Richard P Byarugaba
8 years
The customary selfie @nssfug #NSSFAMM16
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@rpbyaru
Richard P Byarugaba
3 years
I woke up to an awesome surprise from @Twitter today. Verified! Looking forward to more meaningful engagement with you all.
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@rpbyaru
Richard P Byarugaba
9 years
Great stuff, Uganda coffee hits the Starbucks stores.. Met Jacob Elster at #UNAA http://t.co/bwyCIuB0bN
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@rpbyaru
Richard P Byarugaba
3 years
@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.
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@rpbyaru
Richard P Byarugaba
2 years
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
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@rpbyaru
Richard P Byarugaba
2 years
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@rpbyaru
Richard P Byarugaba
3 years
@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.
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@rpbyaru
Richard P Byarugaba
4 years
@ssmusoke @nssfug That’s one of the amendments awaiting parliamentary enactment. To allow savers use their retirement benefits as collateral to own property.
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@rpbyaru
Richard P Byarugaba
5 years
Privileged to be delivering the Commencement Speech at MUBS 14th graduation 2019.... @nssfug
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@rpbyaru
Richard P Byarugaba
4 years
@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
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@rpbyaru
Richard P Byarugaba
7 years
#BarclaysAt90 enjoying the evening.. nice to hear the 90yr story which includes Nile Bank... @MauriceMugisha
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@rpbyaru
Richard P Byarugaba
3 years
@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..
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@rpbyaru
Richard P Byarugaba
5 years
@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
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@rpbyaru
Richard P Byarugaba
9 years
NSSF 2015 Annual Members Meeting #NSSFAMM15
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@rpbyaru
Richard P Byarugaba
3 years
@jdmurungi @nssfug @rkabushenga Treasury bills. 91,182 & 364 days. They are safe. You can invest from UGX100,000. Check @BOU_Official
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@rpbyaru
Richard P Byarugaba
5 years
⁦view from the top ⁦ @nssfug ⁩ Workers House of Kampala City traffic at 5pm...after work after a longish weekend...
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@rpbyaru
Richard P Byarugaba
7 years
Guest of honour @nssfug 10th ECASSA Social Protection Policy Makers Conference @UgandaMediaCent
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@rpbyaru
Richard P Byarugaba
7 years
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@rpbyaru
Richard P Byarugaba
7 years
@nssfug awards keep coming at the ISSA in Addis
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@rpbyaru
Richard P Byarugaba
3 years
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@rpbyaru
Richard P Byarugaba
4 years
@willboase @nssfug DM details. That’s not acceptable.
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@rpbyaru
Richard P Byarugaba
3 years
@IsabellaTugume @RByarugaba @nbstv @lydianabakooza @DMugumisa Thanks for the Programme. Very professional & informative. Thanks for hosting me.
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@rpbyaru
Richard P Byarugaba
6 years
UAV 834A forming a 2nd lane near Vienna College & Quality Supermarket on the Nalya-Namugongo road at 4:23pm Saturday 24/3/18 @DailyMonitor
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@rpbyaru
Richard P Byarugaba
3 years
@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.
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@rpbyaru
Richard P Byarugaba
7 years
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@rpbyaru
Richard P Byarugaba
3 years
@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….
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@rpbyaru
Richard P Byarugaba
2 years
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@rpbyaru
Richard P Byarugaba
1 year
@rkabushenga 😯 did only 17kms… it was an Easter special… otherwise it’s 20kms plus..🐰
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@rpbyaru
Richard P Byarugaba
6 months
“Kurika amwaka nebiro bikuru” my favorite greeting! How very appropriate for 2023AD… it’s a goner…🤩🤩🤩🤩
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@rpbyaru
Richard P Byarugaba
3 years
@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?
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@rpbyaru
Richard P Byarugaba
3 years
@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..
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@rpbyaru
Richard P Byarugaba
7 years
#AskNSSFMD @nssfug I will be with you at 12:30pm today. Look forward..
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@rpbyaru
Richard P Byarugaba
3 years
Do you remember when you joined Twitter? I do! #MyTwitterAnniversary
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@rpbyaru
Richard P Byarugaba
7 months
Do you remember when you joined X? I do! #MyXAnniversary
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@rpbyaru
Richard P Byarugaba
6 years
#NSSFREC18 @nssfug customary selfie at the Northern Regional Members meeting in Arua town. Thanks for hosting us...
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@rpbyaru
Richard P Byarugaba
4 years
@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.
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@rpbyaru
Richard P Byarugaba
5 years
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@rpbyaru
Richard P Byarugaba
3 years
@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
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@rpbyaru
Richard P Byarugaba
3 years
@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
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@rpbyaru
Richard P Byarugaba
3 years
@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.
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@rpbyaru
Richard P Byarugaba
2 years
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@rpbyaru
Richard P Byarugaba
3 years
@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?…
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@rpbyaru
Richard P Byarugaba
1 year
😢 MYSRIP my OB Keith
@rggoobi
Ramathan Ggoobi
1 year
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.
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@rpbyaru
Richard P Byarugaba
1 year
@njorogep @CBKKenya All the best @njorogep for your support here in 🇺🇬
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@rpbyaru
Richard P Byarugaba
5 years
Happy Holidays to all....
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@rpbyaru
Richard P Byarugaba
5 years
@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
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@rpbyaru
Richard P Byarugaba
3 years
@rkabushenga Happy to participate; hope questions are not too complex & comments friendly.😅
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@rpbyaru
Richard P Byarugaba
5 years
They never disappoint at the @SerenaNairobi 😊😊😊😊
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@rpbyaru
Richard P Byarugaba
6 years
This is Kampala, I wonder how many can read this billboard; apart from the 📱 number!
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@rpbyaru
Richard P Byarugaba
3 months
@Fsserunjoji @KagutaMuseveni Olwana ng’omusajja!
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@rpbyaru
Richard P Byarugaba
3 years
@aldeve @rkabushenga Contact a broker to open a CDS at the @USEUganda . The stock broker will start showing you offers on the market.
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@rpbyaru
Richard P Byarugaba
5 years
Water 💦 spillage & broken road at the junction of Robert Mugabe road & Chwa II road...has been so for a while @nwscug @NWSCMD
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@rpbyaru
Richard P Byarugaba
6 years
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@rpbyaru
Richard P Byarugaba
9 years
At the Barcelona Legends vs Uganda Cranes All stars football game with my girls.
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@rpbyaru
Richard P Byarugaba
4 years
Internship opportunities @nssfug . Pls share widely with Uni students.
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@rpbyaru
Richard P Byarugaba
2 years
@CHRISBARYOMUNS1 Get well ❤️‍🩹 soon
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@rpbyaru
Richard P Byarugaba
5 years
Entebbe airport... totally unacceptable...Uganda immigration exit @UgandaCAA
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@rpbyaru
Richard P Byarugaba
4 years
Celebrating 8yrs of tweeting!
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@rpbyaru
Richard P Byarugaba
1 year
@rkabushenga @fsnakazibwe So true! Nothing at all. & when you start, you can’t stop..addictive stuff
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@rpbyaru
Richard P Byarugaba
4 years
@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.
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@rpbyaru
Richard P Byarugaba
4 years
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@rpbyaru
Richard P Byarugaba
7 years
@nssfug we got 3rd Employer of the Year 🥇 2016/2017...great stuff
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@rpbyaru
Richard P Byarugaba
3 years
@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...
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@rpbyaru
Richard P Byarugaba
3 years
@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.
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@rpbyaru
Richard P Byarugaba
6 years
#TWOW2018 , @TwowAfrica @nssfug at this years conference. Working on solutions like access to capital. Pension 💰 is patient capital.
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@rpbyaru
Richard P Byarugaba
6 years
@nssfug just received the @Africainvestor Pension Fund Infrastructure Investment Initiative of the Year. Accolades keep coming; reflects the great work happening at @nssfug
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@rpbyaru
Richard P Byarugaba
4 years
@nwscug @NWSCMD broken & leaking 💦 pipe near Kinataka police station. Lots of revenue being lost😜
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@rpbyaru
Richard P Byarugaba
3 years
@rkabushenga process right now is too heavy on paper. Fintech can also make investment process and reporting to members as frictionless as possible.
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@rpbyaru
Richard P Byarugaba
8 years
The hand of wanker after concurring Kampala 7 Hills #NSSFHashRun @nssfug @rkabushenga @KCCAED
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@rpbyaru
Richard P Byarugaba
3 years
@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.
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@rpbyaru
Richard P Byarugaba
5 years
👋 @JaneRuth_Aceng thank for the great work. Hope we can, at last, get the NHI legislation enacted in law.
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@rpbyaru
Richard P Byarugaba
4 years
It’s already great to 🏃‍♂️ & meet! Enjoy the rest of the day
@katahweire
Oscar K 🇺🇬🇹🇿🇰🇪
4 years
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!!
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@rpbyaru
Richard P Byarugaba
3 years
@JosephAkol1 @nssfug @AineAmaani @rkabushenga The quick answer is Treasury bonds. They available from @BOU_Official in tenors of 2,3,5,10,15 & 20yrs
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@rpbyaru
Richard P Byarugaba
8 years
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@rpbyaru
Richard P Byarugaba
5 years
@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
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@rpbyaru
Richard P Byarugaba
9 years
About to go live with #AskNSSFMD session, I will be personally answering your questions about @nssfug http://t.co/u2KfQ6NzbQ
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@rpbyaru
Richard P Byarugaba
6 years
@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.
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@rpbyaru
Richard P Byarugaba
3 years
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@rpbyaru
Richard P Byarugaba
7 years
@babirukamu @ykyabalongo @nssfug That’s the next “big” thing... we are working hard on a solution.
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@rpbyaru
Richard P Byarugaba
2 years
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@rpbyaru
Richard P Byarugaba
5 years
Hello Patrick, will you join our #BloodDonationChallenge and #SaveALifeWithNSSF @stanbicug ⁩ ⁦ @nssfug ⁩ ⁦ @UgandaRedCross ⁩ ⁦ @ubtsug
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@rpbyaru
Richard P Byarugaba
8 years
With the Arsenal legend
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@rpbyaru
Richard P Byarugaba
5 years
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@rpbyaru
Richard P Byarugaba
8 years
#fightpollution Mbuya-Kinawataka where residents walk on waste from Dao Marble factory,burning their feet. #help @nemaug @KCCAUG @nwscug
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@rpbyaru
Richard P Byarugaba
8 years
Flock of Crowned Cranes. Pair for life as they are monogamous. Nest singly controlling territories defended by both sexes #UGbeauty
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@rpbyaru
Richard P Byarugaba
6 years
Ever available hungers for boda boda riders..only in Uganda @newvisionwire @DailyMonitor
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@rpbyaru
Richard P Byarugaba
6 years
@nssfug Congs guys... wish was with you!!!!!!! Cheering on from a distance
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@rpbyaru
Richard P Byarugaba
6 months
@samuelsejjaaka Happy birthday mate!!! Welcome to level six…😜
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@rpbyaru
Richard P Byarugaba
5 years
I cheer for the #Cranes 🇺🇬 in the #TotalAFCON2019 against Zimbabwe 🇿🇼! Go Uganda! #UGAZIM #FootballTogether
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