<prompt> Translate the following text to SwahiliThe decision to earn and hold early allowances is based on the assumption that allowances are viewed as an asset that must earn at least an 8 percent real return.  <response>: Uamuzi wa kupata na kushikilia ruzuku mapema unategemea dhana kwamba ruzuku huonekana kama mali ambayo lazima ipate angalau faida halisi ya asilimia 8. 