Investment Pat Baih a Kisapna

Netflix ah Selling Sunset show pen brokerage/real estate firm Oppenheim Group a innzuakte nuntak dan a lak show hi, a tawm in.

Zan nitak season thak ka et leh, Emma kici numei khat khat Oppenheim ah nasem dingin la uhi. Tua nu'n ama tangthu hong gen a....

"Kum 14-15 kiim pan stock investment ka kipan a, kum 17-18 kiim ka phak ciangin ka innkuan business uh sum hong haksa ahihmanin ke'n keima sum tawh ka huh hi. Tun tua ka innkuan business uh multi-million dollar company suakta hi. Tun kei business 2-3 nei in, real estate broker zong ka hi a, kuamah tungah kingalo numei khat ka hi." ci hi.

Thupi ka sa hi. Kum 14 in investment kipanta cih mawk....

Kei bang stock leh investment cih ka zak ciil pen Class 12 ka simlai hi a, academic interest ki nei bek in, ei lei ding, ei a ding in kingaihsun miaulo hi.

Tua bek hilo, financial goal or life goals zong nei mello in kinungta toto hi. Tua manin, ka khuanung ngaihsut ciangin, hong na gen pihpih khat om leh utsing ka ci zel hi. Tua manin khangnote a sum khol a kipan pah thei kei uh zong, a pilna leh siamna (financial education/literacy) nei pah le uh deih sak mahmah hing. School ah la hong kihilh lo, innsung ah lah kigen kha vet lo. Khuasung ah zong kigenlo hi lai. Ka deihsak bek mah hi in, a pat na ding zong kithei tuan mello hi. Hih Group pen tua lam nasepna khat hong hih theih leh bel lungdam huai ding hi.

Khatveivei investment leh sum vai i gen ciangin, sum deihluatna tawh kibang khathei hi. Ahizong in a sum hiam, a nambat sangin a thupi zaw pen:

• Delayed gratification hong sinsak hi - sum a neih ciang in zat pah ding -- van leh nektheih - ngaihsun masalo in, a mailam hun ding khual hi.
• Hong pia Pasian zahtakna hi**. Pasian' thupha ahih lam phawk a, talent 2 hong kipiak leh 4 a suah; talent 4 hong kipiak leh talent 8 a suah ding a hanciam khangno i hih ding ahihi. Topa' pahtak khangno i suak ding hi, tua hi leh...
• Tulai nuntak **consumerism** leh **fads**-te tawh kinawngkai saklo nuntak a siam khangno cihna hi. Jeans hoih penpen, tulai a thang nate leh vante deih masa lo in, tuate sang a thupi zaw **financial independence** a lungulh zaw khangno hi sawm ni.
• Tua nungaknu' i etciang,** kipan baih **ahihmanin kum 30 ahih ciangin a investment picing man ding hi. Hun/time pen investment ah a thupi mahmah factor khat hi.
• Midangte panpih thei** hi. A innkuan business uh a ciacip ding lai huh thei in, tua mahin amah zong hau sak zawsop hi. Midangte a ding in thupha hih ding pen, ei mahmah thupha ngah leh a kemzo i hih ciang piang thei pan hi.

Tulai ciangin internet i khut ah kitawi tekta a, na khempeuh baih mahmah hi. I theihnop, i kannop , i sinnop thute baihtakin kisin theita hi. Tua bek hilo, nidang tawh kibanglo in ei leh ei kisin thei in, sia (teacher/mentor/school) kisamlo hi. Internet ah i sim thu leh late a source kiciante (reliable sources) i teel siam ding thupi zaw hi.

Gentehna in, computer course NIIT pan kana sin ngei kei a, website ka bawl ding ciangin, blog ginazaw deuhte sim in ka bawltawm lel hi. Sum beilo, theihna kibehlap zaw hi.

*A khanglo khangno in, a khangto khangno ahihi. *

Investment 101: Understanding Assets and Liabilities

 

Eipau in assets pen neih-le-lam, go-leh-gamh, i neihsa kici thei ding a; Liability pen bat (ditkik/piakkik ding sum).

Na neih khempeuh pan in na bat khempeuh na paihkhiat khit teh, a omlai/ a cianlai teng pen na "networth" ahihi. Eipau in na hauhna zong cih theih mai tam maw.

ASSETS - LIABILITIES = NETWORTH/WEALTH

Liabilities sangin Asset hauzaw peuhmah phot leng hauhna pen amah leh amah hong om lel ding dan hi.

I hauh nading in sum naak (source of income) i neih tung panin Asset lei kipat pah kisam hi.'

Sum pen kizang ciat hi. A zanglo a sum a kemvenven kitamlo hi. I om leh zong tua pen sum koihna a meet penpen kikhollo hi. Example: Savings - money in your savings account.

Tua manin haksa taka i lawh i sumte pen asset mah leina in zangzaw in, liability lei kei leng khantoh huai zaw tham hi.

Liability lei ka cih ciang "ei leh ei leiba kiguan" cihna suak hi.

Gentehna in, TV khat na lei a Rs.50,000 na beisak hi. Tua khit teh kha sim in cable tv fee hiam, internet fee hiam kha sim in leiba na kibawl tawm hi. Khatna ah Rs. 50000 zong a beimang, muhkik nading om lo hi. Khatsim bat kiguan na hi lai hi. Tua bek hilo in Hun tampi tua TV enin sum sangin a manpha zaw na hun na paipai lai hi.

Inn khempeuh zong asset hipahlo hi. Inn khat leia nang na om leh asset hi khinpahlo hi. Inn khat nei in midang luah sak leteh, tua in income hong pia ahihmanin, nanga ding in tua inn pen asset suak hi.

Asset khempeuh in income hong pia a; liability khempeuh in bat hong guan hi.

Car pen en i zat leh liability hizaw a; midang zangsak a a sap i lak leh asset suak thei hi.

Silh leh ten, nek leh dawn ah tam beisaklo in, khangno i hih lai mah in asset lei (asset accumulation) kipat pah ding hizaw hi.

Hauhna ding in bangbang assets lei ding:

1. Mutual Funds
2. Stocks
3. Innmun/gam/zanglo
4. Education, books and courses to improve yourself
5. Give - give back to your church and community. I hauhna pen sum bek hilo a, i kiim i kianga om i lawmte, i innkuanpihte, i khuapihte, i pawlpite zong i hauhna ahihi. Amaute hangin i nuntakna nuamtuam a, amaute hangin man nei hizaw hi. Mite' itna, zahtakna i ngahte khong zong i hauhna ahihi.

Kei zat investing platforms-te

Tulai in bank pawlkkhat in demat account a pia pahpah omta hi. Ahizong, demat nei nailo a sum khawl na kipat nuam leh hih a nuai ate na en in.

1. Groww.in - Tulaitak ka zat stock & MF ah invest theih na hi. US stocks zong lei theih hi.
2. Smallcase.com - Zerodha-te a hi a, hiah stocks tuamtuam basket khat a kigawm thei a, theme or industry cih bangin zong stocks lei theihna khat hi. Gentehna in Indian EV companies bek ah invest ning na cih leh, tua dan lian smallcase khat ah invest theih pah hi. Mutual Fund minus active management therefore lower costs.
3. GoldenPi.com - India ah corporate bond platform lian penpen khat. FD sangin corporate bonds in interest tam pia thei zaw a hih manin FD zang laite in a meet zaw ding in bond kisin hoih kha ding hi. FD ah 5-6% rate hi kha ding a, Bonds pawlkhat 13% nangawn om hi.
4. Kucoin leh Vauld - Crypto or blockchain ah invest nuamte in hih gel kei zat hi. Adang zong tampi om hi. Vauld ah Bitcoin, Ethereum etc i leite FD in kikoih thei hi.
5. Vested - US stocks & ETFs. Ka zat nailoh, ka phone ah install sa!!! US stocks ading in Groww sangin hoih tuak zaw hi. India pan in Google, Facebook, Twitter, etc leitung a IT company lian penpen te ah invest theih hita a, tua bek hilo ei nangawn pen FB khong Google khong "neite"/shareholder ki hi thei mawkmawk hi. Join Vested using this link and get $10 FREE - https://app.vested.co.in/referrals?code=CASU80447 (this is my affiliate link)

Nang bangbang platform na zang a?

Investment: Kei a ding hi kei!

Mi tampi in investment i gen ciangin amau a ding salo; sum nei, income hoih neite a ding sa thei hi.

Tua na hilo zaw in, saving leh investment pen a neilote, MBBS (mud bangbang semte) - working class people as opposed to the wealthy class of the society who don't need to work anymore - small businessmante a ding hi.

Ei khang a kipan saving leh investment zangin i khang tangthu laih theih hi hang. Zawnna tungah gualzo in khangthakte nuntakna thak, a nuamzaw leh a kicingzaw a pia thei ei i hihi.

Income gina leh neihsa tampi na neihloh hangin investment pen na pat ngam nak leh hong picing ding hi. Saving leh investment pen i lungsim leh gamtatna tawh kisai mahmah a, i habit hoihlote paimang a, a hoih gamtatna tawh i laih ding hanciam kisam hi.

Gentehna in, Lamka ah khutnasem khat in nikhat Rs.500 lawh thei ci ni. Kha khatin Rs. 20000 lawh zo hi. Tua bang mipa in kha khat in 10% or Rs.2000 save in khol leh 15% interest bek tawh zong:

Kum 10 zawh teh: 5.5 Lakh

Kum 20 zawh teh: 30 Lakh

Kum 30 zawh teh: 1.4 crore

Kum 30 bang khol zo in, 1.4 crore ngahzo hi leng, tua pen fixed deposit or dividend paying stocks or mutual fund ah koih in regular income a nei theih i hihi.

1.4 crore pen fixed deposit @5.5% interest in koih leng kum 10 sungin Rs. 76 Lakh hong pia thei mawk hi. A sumpi 1.4 crore pen bit ding hilai hi.

Tua ahih manin sum a tawm lua omlo. Tawmcik tawh zong "generational wealth" bawl theih hi a, khangthakte nuntak nuamzaw a pia theite i hihi.