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.