Mizo thalai hnathawk tam tak hian Income Tax leh Investment lam hi kan hre lo viau mai. Kum tawpah “Tax min cut tam” kan ti leh ringawt mai thin a. Hna ka thawh tirh kum 2 vel kei pawh ka tal ve mai mai. Nikum atang khan tlem ka inzir chiang deuh a.
Pathian siam ve tho, thenkhatin vai ngalsang/via chhia kan ti thin fo hi chu an pu, pa, patea te atanga Income Tax pe tawh an nih avangin an hre viau.
Aw le, sum chiahpuam dan hrang hrang ilo thlirho ang.
1) Post Office Chiahpuam
NSC leh PPF a tih theih. Income Tax rebate a hmuh theih bawk, Section 80C hnuaia awm a ni. Returns erawh a tam lutuk lo. A maturity pawh a rei. Hmanlai chuan lar tak a ni. Tin, sorkar hnathawk tan chauh tih theih Postal Life Insurance pawh hi a that hmel khawp mai.
2) Mutual Funds (ELSS) Chiahpuam
Section 80C hnuaia mi tho a nia, Income Tax Rebate a awm. Layman stock market a ni deuh ber. I sum dah kha a thiam in an invest sak ang che. Kum thum tal dah a ngai. Thlatin hlawh la tan SIP a remchang hle. SBI, HDFC, Reliance, Franklin Templeton etc.. in MF scheme hrang hrang an ngah mai.
3) Recurring Deposit Chiahpuam
Thlatin hlawhla tan chuan Fixed Deposit aiin a tha. A tira pawisa hlawm tam dah tur neih loh in. A period chu thlatin fixed amount deposit a ngai. A hmin hma lak chhuak chuan tlem chawi a ngai.
Tin hun rei lo te chhung pawisa khawl nan, a tha bawk. Savings Account a pawisa awm ringawt ai chuan a him zawk a, tin pung tlem a lo awm ve bawk nen.
ICICI Bank ah a reilo berah thla 6 chhung a tih theih. Net Banking atangin bank a kal ngai miah lovin a hawn theih. A hmin hnu ah i account ah a rawn lut mai ang.
5)Life Insurance Chiahpuam
Life Insurance is what keeps a man poor all of this life so he can die rich.
Hmanah chuan Life Insurance hi boral chauhin pawisa a hmuh let theih maw ka tia. A ni lo. A hmin thleng I dam chuan, chiahpuam!!! I tan hma leh a puam hma.
LIC ka hre teuh ang. SBI, Aviva, ICIC Premium leh a dang tam tak te product hrang hrang an ngah mai. Section 80C hnuai tho a nia, Income Tax rebate a awm.
5) Stock Market Chiahpuam
The market, like the Lord, helps those who help themselves. But unlike the Lord, the market does not forgive those who know not what they do.
– Warren Buffet
Hei pawh ka hre lo. Ka la dai loh ram a ni. Vawiin company stock kha Rs 100/share in lei ta la, Rs 500/share velin tho ta se, i shares i hralh chuan chiahpuam!!
6)Real Estate Chiahpuam
Hei pawh ka hre lo. House Loan lakin Income Tax rebate a tha. A deal lian tham tak tak mafia ho hi an inrawlh em? Rawlh lo em? Hemi article hi chhiar rawh: The Godfather of Bangalore
7)The Ultimate Chiahpuam
Nupui/pasal hausa deuh neih la, chiahpuam!! Mahse 100% risk!
A bak chuan comment lamah sawi ila. Sawi dik lo te pawh han sawi zel ula. He ti zawng tun tum kan hun hman theih chu a ni e. Kan lawm e.
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November 11th, 2008 at 9:39 am
Kei misual kethiah bal naran ve mai ngaihdan:-
1. Post Office chiah puam khi a pung a tlem na chu a secure ve thung, Tax saving tih khi chu, sawrkar hnathawk tam tak hi chuan 80C hnuaia tax benefit awm ang hi an PF, SSS-LIC etc, VPF te hian a cover tlangpuiin ka hria, afterall the tax benefiit ceiling is fixed usually at Rs. 1 lac – 1.5 lac.
2. Mutual fund pawh khi direct a equity trade ai chuan a him chuan ka hria. Kan capital (principal) hloh theihna chance a tlem zawk, policy a zirin.
3. RD hi thlakip hlawh la tan chuan tih ngei ngei tur, theih zat ang tawk zelin, hriat lohna a pawisa luangliam ve mai mai hi a tam thin a, chuvang chuan salary kan lakna bank ah khan RD hawn a, bank te kha kan account atanga auto a thlatin transfer phalna form fill up khan a mahin a lo in deposit mai a, bank kal buai ngai lovin, hriat loh hlanin pawisa kan save a lo ni reng thin.
4. LIC hi money back ang chi policy hi tih loh tawp tur ni ta in ka hria, Money Back ni lo Risk cover hrim hrim an policy ah hian a tam ve mai a, an agent te hian chutiang policy ah chuan hlep an neih tlem em vangin an client te hnenah hian an sawi duh tha duh mang ngai lo, a premium a tlem. Entir nan:
Risk cover ngawr ngawr atan chuan Rs 5 lakhs Insured amount ah thlatin a premium chu Rs 800/- (Rs 500 vel ni ta in ka hria a, sual mai thei) vel chauh a ni thin, Money back ang chi a nih chuan thlatin premium chu Rs 4000/- dawn lai a ni daih ang. A difference Rs 3000 vel chu hmun dangah money back policy in a pay back aia hlawk khan a invest leh chi zawk.
5. Stock Market Chiahpuam hi chu equity trading tlem a zawng ka tih ve thin atanga ka sawi theih chu, zir tur a tam hle, risk fuh a awm bawk, ei zawn nan tak taka hmang tur phei chuan chuti hlauh, market trend leh pawisa vawrh vir kual vel study peih tak tak loh chuan khawih loh a him zawk, internet connection tha tawkte, Dmat account te neih a ngai, hna dang thawk chunga ti tur chuan.
6. Real Estate: Ka hre miah lo.
7. Ultimate chiahpuam : lolzz haha…Inneih zan a barakhaih hlum atan aryan pawh hi a insawi hausa viau a, a tha viau tak ang a, kan nula ho te khan chhang pung pung tawh suh u, tlawn reuh reuh ula, inneih zanah in barakhaih hlum dawn nia
fiamthu auh … ihihihihi
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November 11th, 2008 at 10:01 am
A lawm awm e. number 8 ah kanidar ka dah tep e
Tin, Meals coupon lak tel pawh hi a tha. Tax Free a nia, eitur chu ka lei reng tho sia. Ka vengah phei chuan zu pawh ka lei thin
Store thenkat in an pawm. chuan thenawm nula in Mary Kay a zuar, Sodexho in ka leisak bawk!! Meals Coupon chu , mahse KH-i man atan chuan na phal ka ring lo 
keipawh RD te hi ka lo hre har lutuk pek. Tin, SIP te pawh. lum sum a vawikhat ti tawk ngaivek turah ka lo dah mai thin a.
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November 11th, 2008 at 10:05 am
Ka chiahpuam hriat ve chu a chiah tu lo zawk an puar a, chu pawh thla 9 hnuah a mature… LOL, chuan kan Zoram politic hi “chiahpuam” diktak zawk chu a ni lawm ni! A tir a ei ru ti a iak iak ho pawh an han zuan luh meuh chuan an tlam, leh thil neih te a phuisui thei em mai!
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November 11th, 2008 at 10:06 am
tlam=thlam
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November 11th, 2008 at 11:46 am
Chiahpuam lam lutuk lo, newpaper ad leh internet ah te hian ka hmu thin a, “earn from home, part time/full time etc etc”. Heng ho hi fraud chu a ni em lo maw? nge a ti tak tak te in hria em?
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November 11th, 2008 at 11:52 am
@mat402 online jobs ah hian 99% hi Scam ani an tih chu, try lohah a him ber ka ring. If u don’t trust me google it or go to https://www.scambuster.com
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November 11th, 2008 at 11:53 am
https://www.scambusters.com
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November 11th, 2008 at 1:54 pm
Chiahpuam na dang hi chu ron sawi tawh lo mai i la, pa 1 ka lo thawh belh ve ange, No 8 na a tan
8. Forex Trading {Chiahpuam Original}
Forex Trading hi thiam chuan a hlawk bawn tawp. Technical Analysis hman nasat a ni a, chart reading thiam tawh chuan market awm dan tur a predict theih 80% vel. Technical analysis ah hian Candlesticks, Chart Pattern, Moving Averange, MACD, Parabolic SAR, Stochastic, RSI, Williams Percent Range & RSI te hi kan hmang nasa hle a ni. Technical Analysis trader tan chuan BSE a share lei pawh a sam zaih mai. https://charting.bseindia.com/charting/index.asp. Stock market ah leh Forex market ah Chart hi in ang in a hman kawp theih a ni.
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November 11th, 2008 at 2:56 pm
9. Zeh puam : Hman deuh khan Aizawl velah chuan Pa pakhat hian Bible karah pawisa a zep thin a, an pawisa dah let tein a pung thin. Chiahpuam pawh a ni ve chiah lo, ‘zeh puam’ a ni zawk mah awm e…
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November 11th, 2008 at 3:02 pm
Ben,i ti tha e.Recurring deposit hi kan ngaihven ve chhin teh ang.
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November 11th, 2008 at 3:44 pm
10. In ren: ‘a penny saved is a penny earned’ te pawh an lo tih thrin kha mawle.
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November 11th, 2008 at 3:52 pm
hotunu hi chu a thaw fuh tlat zel
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November 11th, 2008 at 8:10 pm
Kanidar chu ka va chiahpuam fuhawm lo ve aw!! LIC TATA AIG (money back after 5 yrs) hi policy pahnih lai ka chiahpuam ve a,ka policy hi ka close mai dawn em ni ang?? enge a risky dan min lo hrilhfiah please??
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November 12th, 2008 at 2:04 am
awi kei poh money back after 15 years ang chi khan ka dah a sin,after 4 years a pung vawikhatna phei chu ka lo la tawh a,a risky dan chu min hrilh teh kanidar,duh hun2 ah a close theih a mi?answer me quick plz
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November 12th, 2008 at 2:10 am
mature after 15 years zawk mawle,min ti hlau zo vek
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November 12th, 2008 at 2:39 am
Fidelity hnuai ah 401k account hawn hi a hlauhawm lova ka duhtawk khawp mai. Hrechiang duh chuan fidelity.com ah emaw, https://401k.fidelity.com/public/content/401k/Home/Landing/ tah hian a hriatchian theih ka ring.
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November 12th, 2008 at 11:33 am
kei chu kan pa hi ka chiahpuam ve e ka tia…. tunah chuan a thau mut mut tawh ltks
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November 12th, 2008 at 12:09 pm
@SnwQueen: in pa ilo chiahpuam sak deuh reng ani maw? Bawngsa soup te siamsak thin ang che chiahpuam deuh reng i duh chuan.. a hriselnain a tuar palh ang e
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November 12th, 2008 at 12:19 pm
Ka thil sawi chu i ngai dam mah mah…. Mr. Pervert Bawngsa soup a ni maw i lo in thin hetiang case ah hian???
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November 12th, 2008 at 12:30 pm
me is tlangval virgin…
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November 12th, 2008 at 1:14 pm
kei chu ka chiah hmain a puam thin lolss
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November 12th, 2008 at 10:50 pm
@lullian, Chiahpuam Zapi kha buannel ah a thlalak an dah a chhe lo reuh lutuk.
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November 12th, 2008 at 11:03 pm
@thaiboy : en ve ngei tur nih chu..A puam tha nge thalo tih te pawh
Chiahpuam case ah hian aizawl thana a fir thehluh sang khat a chuang tawh an ti..
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November 12th, 2008 at 11:07 pm
chiahpuam ah chuan Zufang leh a tuitling tur han chiahpuam chiah mai hi a chi khawp mai…
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November 13th, 2008 at 9:02 am
Colombia ah pawh an chiahpuam ve anih hi
“In the province of Cauca, in south-west Colombia, 2,000 depositors stormed an investment firm’s offices.
But the owners had disappeared, leaving a note stuck to the doors taunting the investors for having been duped.
It said: “Now for being stupid and believing in witchcraft you will have to work much harder to recoup the money you gave us.”
The office of another pyramid scheme had a greetings card stuck on the door which read: “We wish you a sad Christmas and a shameful New Year.”
https://news.bbc.co.uk/2/low/americas/7726069.stm
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November 14th, 2008 at 8:14 am
Comment no 22 khi dawt chiang lutuk ani e….nuih pawh ka nui peih lo…ka tah atichhuak zawk….btw tunge Iyana khi ka ve hrechak ve
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November 14th, 2008 at 2:03 pm
[…] a Chiahpuam changkang tih thupui hnuaia chhiartute ngaihdan (comment) 22-na chuan Zarkawt venga Pu LC Thanga te […]
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November 14th, 2008 at 11:34 pm
Rubber chiahpuma ang tho anih hi malee….alo puam tha nelh nolhaaa a chhe duh mah zawk daih…… NO more Chiahpuam and Say NO to PORK
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November 15th, 2008 at 10:20 am
@amanda & @chawngtinlerhi : Engmah risky na a awm ka hre lo ve, a hlawk zawk dan a ka ngaih ka rawn sawi ve mai a nia… entirna pe chhin ang aw…
A hnuaia figures ka hman te hi approximation taka indicative chauh tura hman a ni a, rinpui bera neih chi a ni lo….
LIC a Money Back Policy ah Rs 5 lacs for 15 years, kum 32 i nih laiin siam ta la, thlatin premium i pek tur chu Rs 3980/- vel a niang. Chuan kum 15 chhung i pek tur 3980X12X15 = 716400
I hmuh let tur, 20 % of insured amount every 4 years =100000X3 + 200000 + Bonus = Approx. Rs 700000.
Rs 5 lacs Risk cover chauh kum 15 atan kum 32 i nih laiin siam la, monthly premium chu Rs 630 vel a niang, kum 15 chhunga i pek tur zat chu = 630X15X12=113400. Hmuh let tur = Nil.
Policy pahnih te a i premium difference Rs 3980-630 = 3350/- hi RD in khawi bankah pawh dah la, a interest 9.5 % pawhin kum 15 hnuah chuan
=A(1+i)^N + [(1+i)^N-1](P/i)
=Rs. 1324015 i hmu let ang.
Chuan moneyback a i hmuhlet tur paih la, 1324015-700000=1210615
Rs 624015 i hlep thei a nih chu, premium sen inang rau rau, risk cover siin.
NOTE: RD khi kum 15 tan a theih loh mai theih. calculation khi pakla hisap tak meuh meuh a ni. Mahse agent te nen thu in, an ‘table’ keu meuhin han bih chhin ula, hlep tur chu khitiang zat vel (tlem hret or tam hret) a ni ang.
Ka rawn chhan tlai chhan che u hi tlema khawbawr han lak ve deuh a ngaih vang a nia.
Tin, “duh hun2 ah a close theih a mi?” kum 3 hnuah a in withdraw theih tlangpui, mahse i premium i pek tawh sa 30% chauh kha i hmulet ang. Withdraw duh neih chuan withdraw ran a tha ber. Keipawh ka nei a, nakum April hian kum 3 a tling dawn a, ka withdraw ang.
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November 15th, 2008 at 10:25 am
“Chuan moneyback a i hmuhlet tur paih la, 1324015-700000=1210615
Rs 624015” ah khian Risk chauh cover na premium kha paih a ngai tak ang chu maw le….. Rs 624015-113400=Cheng 510615 zawk anih hi hlep chu.
Agent te hian bonus hi an sawi pung hluai thiam tih hriat a tha. Kum 15 hnuah tunge kha agent in heti zat bonus i hmu ang tih hrereng tawh ang
chuvang chuan policy a paper neuh neuh kha chhiarchian a tha.
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November 15th, 2008 at 10:26 am
Kanidar ka lawm lutuk e,chiang uar2 mai ka thian pakhat in min nawr reng a, ngihtuah vak lovin ka lei ve thuai a, ka han hlauthawng thut a nia,4yrs completed a, money back treps
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November 15th, 2008 at 10:31 am
mihausa ti ti chu kan zawm ve pahalo anih hi
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November 15th, 2008 at 10:46 am
@Thaiboy, han lan hausak vel nan a figure khi kan ziak tam vel mai mai anih khi… a tak takah chuan Rs 20000 vel lek alawm
Gypsy pawh kan nei ve lo 
@amanda, welcome. Life Insuarance money back scheme mi tam berin kan lei chhan hi chu “Thiante nawr vang” a ni tlangpui
keipawh ka nia lawm…. a tirah ka hming a la ziak dik lo zui… Vai ho hian engatinge kan hming hi ziah dik harsa an tih em em le, keini lahin an hming kan ziak sual ngai meuh si lova… mak ngei.
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November 15th, 2008 at 2:19 pm
kei poh a puamsa ka chiah dai thin
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