Mipui (Mizo) te ngaihdan ah chuan Investment ti thin te chu hausa tur,sum tamtak la lut hum hum turah an ngai thla ngawt zela. A nih na chen a awm a, a nih loh na chen pawh a awm teh na meuh mai. Tin, investment pung zat te kan lo hmu thin in kan lo hre ve thina, kan awt a, invest ve mai kan rilruk thawt thawt thin. Investment hi mi zawng zawng tana tih chi ani lo.
Miin mamawh a nei a, a mamawh thil thlenna tur emaw leina tur emaw, tuna a pawisa thawhchhuah sa leh a khawlkhawm mekin a tlin phak dawn loh chuan a tih tur zinga pakhat chu Investment hi a ni. A tih ngei ngei tur tihna a ni hran lo.
Entirnan; Tun a tranga kum 10 ah mahni hminga in neih ve i duh a, tuna i pawisa khawlkhawm theihzat chu thlatin Rs.2000 a ni, heimi zat thlatin bank-ah i khawla, kum 10 hnu-a i khawlkhom theihzat chu Rs. Nuaih thum leh tlem chauh ani (@8%p.a), chutah i inhmun lei tum chu Rs. 5 lacs vel alo ni bawk si. I tih tur awmchhun ni thei chu; Company-ah invest emaw mahni a lo sumdawn emaw ani thei ang.
Mizoram ah Insurance leh Mutual Fund agents ten, sum nei deuha an hriat te an zawrh thlarawk thin. An mamawh em investment hi an ngaihtuah lo, an tum chu Agents commission (2-7%) vel a ni. A awmzia ni thei ber chu Secondhand kawr, a nei deuh tura an rin te an zawrh chawt ang hi a ni mai.
Investment hi hriatchian loha pawng bawh huam chin hi sim a thra khawp mai. Chiahpuam te phei kha chu thatchhiat rah, rilru pelhel hrinchhuah ah lo dah ta zawk ila, Regulation hnuai, company hnen-a invest hi a nia ka sawi ber chu.
Tin, sumdawnna ah pawisa kan thawh ve tih in hriat tur. An sumdawnna pawh hriat loh emaw hriatthiam pawh nei ve chuang silo a, an pawisa thawhchhuah zat ringawt kan thlir chuan khua a thlai daah thei. Tlat maia.
Invest-na chhan thra deuh ni a tlanghriat chu;
1. Fate college kalna tur atan.
2. Inhmun/In lei nan
3. Pension a tan
4. Sumdawnna atana sumhlawm mamawh atan.
Risk hi a pawimawh khawp mai, thil lo thleng tur, engtianga nasa in nge alo thlen thin emaw, engvanga lo thleng thin nge, pumpelh theih ani em tih te i hriat zawh poh leh inven dan tur i hrethiam ang. Hetiang chiah hian company sum lo thawhchhuah tawh dan, an lost thin em, an sum dinhmun engtiang nge tih te mahni phak ang tawk tawka hriat ve a thra khawp mai. I hrethiam lo thlawt anih leh Mutual Fund pan mai a thra, mahse anni ah pawh hian an risk kenzat tehna chu a awm hran ve leh tho.
Hetiang hian company te hian pawisa tamtak lo thawkchhuak thin mahse risk tamtak an nei ve thin. Sumdawnna hi RISK tak meuh anih avangin. A hlawk a piang kha i tan a thra ber kher lo. A hmaa ka sawi thlatin Rs.2000 dah lut thei tupa atang khian lo sawi leh chhin ila. A mamawh chu tun atranga kum 10 ah Rs.5 lacs khawltlin hman a ni mai. A bak khi a mamawh kher lo, mamawh tlata a inhriat leh a duham vang, a duham vangin risk a lak belh angai ve leh tihna.
A mamawh chu kumkhat-a 13.40% pe thei tu tur company thlan a ni mai. 13.40% p.a. hi chu an pe thei sup, kum 10 khawltlin ngat phei chuan, a him pawh an him thawkhat. Chutiang bawkin kumtin 30% dawn dawn pe thin pawh a awm ve tho, amaherawhchu anni hi chu an pawisa pekchhuah interest hi a danglam nasa thin, a changin an hlauh leh rih thina, a changin 50% dawn dawn te an return leh thung si. Engtikah nge 30% emaw 50% an return dawn tih sawi lawk theih a ni meuh lo, an sumdawnna ah a in nghat deuh tawp a ni. Hemi vang hian a risk a san phah ta a nih chu.
Mimal Ngaihdan: I pawisa mamawh dan leh mamawh chhan hriat chian hle tum rawh. Sumdawnna i tran dawna thil tamtak i ngaihtuah lawk ang khan. Tin, kum 10 vel te i pawisa che lova i khawlkhawm thei dawn te anih loh chuan pawng pan mai hi a him lo. Chutiang bawkin pung tamtak i beisei hian risk tamtak i neih belh zel tih inhriat a thra.
Luxurious-ah invest loh hi ka ngaihdan a ni. Entirnan; Car nalh tak tak siam chhuak tute, Mobile changkang siam chhuak tute etc. Basic needs, mihring a tel lova kan awm theih lovah hian invest a him berin ka hria. Demand a awm reng chuan hralhna tur a awm reng dawn, a tel lovin mihring kan khawsa
thei miau hek lo. Power, Gas, Infrastructure etc ah tihna a nih ber chu 🙂
Ka lawm e
