Tun tum chu chi hrang hrang aw! 
Pu K.Sapdanga article “EPF – Hremhmun nge Paradise” kha in lo chhiar emaw… A sawi chiang kek-kawk viau in ka hria. Mizoram ah mi chhawr a hna nei entirnan; Synod ang te, Baptist ang te leh mimal neuh neuh te hian Rules & Regulations hi zawm tha tehchiam lo an awm a ni ngei anga, kan Vanglaini Editor meuh in a rawn ziah danah. Tlem sawibelh lawk ang.
Hna neitu in mi a chhawr a, 20 an tlin bawk chuan Provident Fund hi a pe ngei tur a ni a, he Provident Fund hi sawrkar hnathawk ho hriat lar em em GPF (Govt. Provident Fund aka. General Provident Fund) nen hian a kal dan a in ang thawkhat. Mi hnuai ah te i lo thawk thei, i benefits neih theih hi hriat kar a tha khawp mai. Misual-dot-com ah hian EPF etc. chu ka ziak zauh zauh tawh thin. I thla hlawh atang hian 12% thleng EPF atana i khawl theih chuan, i khawl zat chiah hi nangmah chhawr tu che, sawrkar emaw, kohhran emaw mimal pawh nise an thawh pui tur che a ni. I khawl theih zat bak kha nangmah chhawr tu che mawhphurna a nilo. 6% lek i khawl chuan 6% lek an thawhpui ang che. A tam ber-ah 12% thleng an thawhpui thei che tihna.
Hei erawh hriat a tha, max. Rs.6500 per month ang chauh in an thawh pui ang che. A awmzia chu Rs. 6500 atrang hian 12% hi nangmah chhawr tu che in a thawhpui tam theih ber a ni. Rs.780 max. thlatin a thawhpui thei che tihna a nih chu. (Hei hi mathei lova a thawhpui tur che a ni). Employees Provident Fund & Miscellaneous Provident Act hi dan tlawhchhan tur, benefits i neih ngei ngei theihna tur chu a ni.
Ka sawi kha mahni hamthatna hi chu hriat kar tur. Employees hi 20 aia tlem, kum 3 chhung an employment (business, servicing etc.) an kalpui tawh bawk chuan 10% an thawhpui tur che a ni ve thung. Mizoram ah Private Establishment hnuai-a thawk neuh neuh kan awm nual tawh a, hriat kar tur. Nangmahni chhawr tu che u chuan an ngaihsak vak lovang, EP & MP Act hmang hian i ngen dawn nia.
Tin, Gratuity hi i benefits neih tel theih bawk a ni. Hei erawh hi chu I hna i bansan dawna dawn chi a ni. Un-Skilled Labour pawh ni se a dawng tho ang. Kum 1 khat aia tam, mi sawm chuang in thawh bawk chuan hei hi Free (self contri omlo) a i dawn tur a ni. Details takin sawi hrih lo mai ila, hriat tel tha bawk chu i EPF pawisa hi khawi-ah pawh dah la (e.g. Mutual Fund, ULIP, etc.) i contribution dawn tur (employer atangin) hi i dawn loh phah lovang.
Adang:
“Mizoram atrangin engtin nge Online Trading kan tih theih ang”?
Online Trading A/c neih angai, hemi nei tur chuan Brokers kal tlanga hawn theih a ni. A tlangpuiin kum tin Rs.750 hi Deposit a awm reng tur a ni. Saving A/c ah Rs.500 awm reng tur ang hian. Mizoram atangin Demat A/c in hawng thei, Demat A/c neih hian Online Trading A/c i nei nghal tihna ani lo (?), Demat A/c hi chu Electronic Form-a i share lei lo dah khawlna A/c tihna ani mai. Ka hriat dan in Mizoram atangin Online Trading A/c open theih ala ni lo tlat in ka hria. Hemi chungchang ah hi chuan ka sawi huai ngamlo, Mizoram atangin ka la ti ve si lova, @maawma ten an hriat zawk ka ring.
Online Trade te rilruk deuh in awm nual a ni awm a, hna dang nena tih pawlh chi vak loh, full time pawn a in daih loh theih khawp mai. Sum a ni tlat, SUM. Ho te-ah a bo duak thei, knowledge neih that angai bawn phir. Tin, trade dawn chuan Technical Analysis tal hi chu thiam a tha, duhthusam ah chuan technical + fundamental analysis thiam ve ve a tha. Fundamental hi ka ring zawk mah (ehemz.. maawma) a chhan chu a hedge theih tlat (awmzia: diversification hmang in risk a tih hniam theih).
Hrechiang duh tan; Technical: chart hmanga an performance lo zirna (graph ang deuh hian an return tawh dan te a lem hmangin a awma, chumi lo zir chu). Fundamental: An sumpai dinhmun, engzat nge pawisa an puk, sawrkar in hna (contract tur) a nei thra tawk em, competitor lakah an tough tawk em etc.
(Ka’n in advertise lawk 
- Mutual Fund-ah recession proof assets allocation kan ti ve chhin a, Govt. GILT Fund leh Equity Diversified or MIS, or Balanced Fund or Debt Oriented mutual fund-te ka remkhawm a, a rintlak hmel khawp in ka hria. A chhan chu, recession laiin equity, balanced fund etc. ten an return a minus tlat mai a ni, chutih laiin equity chhiat ve leha return tha ve thung GILT fund nen a percentage zawngin ka remkhawm ta a, heng ho an in relate dan hi a tha thawkhat hle, (-1) chiah chiah anih hian RISK awm miah lovin pawisa a invest theih tlat mai a ni. Anni ho in relate-na zat hi -0.998 atanga -0.987 vel a ni. Chuti anih chuan kan pawisa invest-ah 0.3 – 4% vel kan hloh theih laiin 12-19% return kan nei theih hlauh thung.)
A rem changchang ah Online Trading A/c open ngawt hi a fuh lo thlawt, an charge zat hi a inthlau hlawm teh ania. Angel Broking ten 0.010% an charge laiin ICICI Direct ten 0.070% an charge daih. Hei hian a nghawng chu service tax a ti sang leh.
Entirnan: Angel Broking ah hian Rs.1,00,000 man transaction (Buy & Sell) anih in, service tax, Brokerage charge, stamp duty, security transaction tax, Sebi tax te a vaia belh khawm in 0.080% a tling daih. Brokers ho charge kha 0.010% a nih laiin charge neuh neuh nen chuan a let riat dawn in a sang ta daih a ni. Chuan ICICI Direct ah chuan avaiin 0.15% ani ta daih a ni. 1 lac. transact -in Angel ah Rs. 80 vel i sen laiin ICICI Direct-ah chuan Rs.150 daih a ni.
A dang leh :
Mizoram ah Mutual Fund lei an/in awm ve nual tawh a, a pung tha thawkhat tih in hre thin bawk. Agents te an rawn kala, an performance data, a graph nen lam lam an rawn in pawm bawr thrin. Engtianga han chhut ve tur nge tih ah a ngaihna i hre lo sa nghal em em tawp mai a ni. Graph re re hi chu a awlsam theih ang bera hrilhfiahna a ni tlangpui, han buaina vak tur a awmlo in ka hria. Nitin Mutual fund performance a en theih a (Open-Ended), internet atang-in a ni tlangpui open ended bik-ah chuan. Close ended ve thung chu kar tin. Heta hriat tur tul deuh sawi zuaih zuaih chhin ang.
An performance/return teh dan:
A unit te te in an sawi thin. Entirnan vawiin ni a SBI Mutual Fund (Magnum Multiplier Plus: Growth) ho NAV (net asset value) chu 15.00 lo ni se, an share pakhat Rs.15 in I lei tihna a ni ang. Chuan tun atanga kum khatah an NAV chu 20.00 alo ni leh a, an performance teh dan tur chu:
Return: [ (change in NAV + Any Dividend) / I leina NAV zat chiah kha] * 100
A chunga kan thai lan atang khian chhut chhin ila:
Return: [ (20-15)/15 ] * 100
: [5 /15 ] * 100 = 33.34% p.a.
I Mutual Fund lei kha enge a scheme hming, eng Plan nge tih i hriatchian hle angai. A awmzia chu khimi kan sawi SBI Mutual Fund ah khian Magnum Multiplier Scheme a ni, chuan Magnum Multiplier Scheme atang khian Growth plan a ni leh, hetah hian growth leh dividend a awm tlangpui. (dividend-ah chuan an income hmuh an pe then ve che tihna, growth ah chuan an re-invest leh zel tihna) chuvangin a chhut dan pawh thil hrang daih a ni.
Dividend khi i dawng thei, re-invest tawh kher lovin i kawl zawk mai thei bawk, chuti a nih chuan a chunga 5 ah khian i dividend dawn zat kha belh mai tur. Mahse Unit khat atang chauha chhut tur. E.g. an NAV khi 15 a ni, ta tang khian 2 zel an pe chhuak che (Dividend angin) 5+2 tih tur a ni ang. (Tun atanga kum khat/chanve ah NAV khi 15 aia a tlem chuan i pawisa invest i lost then tihna)
Dividend re-invest chhut dan chu sawi thui angai emai hei hi tawk phawt rawh se. (Pu Tu-emaw-ni in min request na a rei tawh a, inthlahrung tak chungin ka rawn ziak ta mai, a interest vak lo te ngaihdam ka dil e ).
Similar Posts:
- Online investment kan thei ve ang em?
- Pension Tha Mi?
- ULIP vrs Mutual Fund
- Mizoram sawrkar hnathawk Pension thar tur
- Fimkhur ang aw
March 21st, 2010 at 7:17 pm
Ka’n chhiar neuh neuh ange
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March 21st, 2010 at 7:30 pm
Nia
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March 21st, 2010 at 7:40 pm
EPF/PPF hi ka hmang tangkai lo, GPF pawh chutiang tho. Sum neih chuan ‘Real Estate’ a thaber. MF chu UTI leh ICICI hian hne khawpin min zirtir tawh. Hlawk duh chuan ‘Share’ hi a tha, mahse risk ngam leh thiam a ngai (Thiam tur chuan a zira zir a ngai)
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March 21st, 2010 at 7:56 pm
Sir Lili Parmawia meuh a rawn chet chuan damchhung pawha kan hriat loh tur thil tha tak2 kan hre leh ta! Neuh neuh 1st khi ka varpawh phian a, 2nd (Online trading) erawh ka la bangbo angreng khawp. He thil hi chuti maia han varpawh mai chi a ni lo a ni.
Thianpa caribou hi tunlai chu a tui angreng si a, hrechiang manglo leh hre nialnual hian risk a lo la ringawt anga, a in risk da/ kawt vek ang tih ka hlau! Ka tawrhpui dwn em a sin…
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March 21st, 2010 at 8:04 pm
a va han bengvar thlak dawn in hman atan a that hmel hle mai. mahse kei mimawl rilru nen hian a tangkai dan tur vel han chhut hi ka thiam pha mang meuh lo nia… :roll:
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March 21st, 2010 at 8:14 pm
Lily,
“Hna neitu in mi a chhawr a, 20 an tlin bawk chuan Provident Fund hi a pe ngei tur a ni a, he Provident Fund hi sawrkar hnathawk ho hriat lar em em GPF (Govt. Provident Fund aka. General Provident Fund) nen hian a kal dan a in ang thawkhat. Mi hnuai ah te i lo thawk thei, i benefits neih theih hi hriat kar a tha khawp ”
i tih hi engtinnge ha sawi belh leh deuh teh… sorkar hnathawk chuan mahni hlawh atangin an dah bawk si…
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March 21st, 2010 at 8:21 pm
GPF ang chi neih ngei danin a phut khi hriat reng tlak a va ni teh lul em.A ngaih nawm a,a informative bawk,a chhawr thei chuan finna tham a nih khi,khitiang advice khi cheng tam tak man a ni a sin :!:
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March 21st, 2010 at 8:55 pm
@Lily: Ka lawm e. Better late than never. I hrilhfiah chiang kuang khawp mai. Kan va hlawkpui leh nasa dawn ve le aw.
@kawlhawk: Min ngaihtuah a. Ka lawm e. Lily-a a awm alawm, ka zam lo. Invest tur pawh nei hawt lo chuan. Ka tui ve tawg anih hi. Hetiang lam hi literature lam ai chuan a tuiawm tlat.
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March 21st, 2010 at 8:59 pm
Kohhran hnuaia thawk, senior tawh tak, pension tep tawh tan chuan EPF han tih thar leh hi a hlawk lo khawp mai an ti.
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March 21st, 2010 at 9:11 pm
Kei chu Lily hi ka fund manger ah hman ka tum tops, han zirzo thuai thuai se ka ti. Mahse sawrkar hna hi a hmu daih mai anga, kan rawn pha re re lovang tih ka hlau.
EPF hi sumdawng re re ho chuan an tih vek a ngai, EPF register nei lo chuan Contract hna a hmuh theih loh except Mizoram. EPF in register si pe leh lo te hi arrest tur warning hmu an awm ta nual mai.
Kan sumdawnna hi tlem chuan hma kan sawn a trul khoops. Chuen EPF hi labour leh working class ho chhandamna chikhat ani e
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March 21st, 2010 at 9:24 pm
Sawive lawk ang. Hrechiang lova in encourage ngawt chi anilo. He danin a tum ber chu Private Institution hrang hrang eg Hotel, Restaurant, Industry etc ah te mi an damchhung hun tha zawng zawng hmangin an thawka an pension hunah engmah pension benefit nei lova an mai par thlawn tawp thin tur dan nana hna hnuaihnung thawkte hamthatna tura duan ani. Tuna Durtlang Damdawi In a thawkho buaina tawh mek khi EPF hi ani. He dan hi beneficial legislation antih ang chi tho kha ani na a, tuna buai mek Durtlang Damdawi Ina thawk mekte tan chuan anchhia ani thung. A chhan chu, Synod hnuaia sorkar hnathawkte tluk deuh thawa pension tha tak nena an chhuah theih laiin kum 2005 atang khan Pension Fund Organisation te khuan he Employees Provident Fund Act, 1952 hmang hian an manve ta a, vawiin thleng hian mi 10 vel pension in an chhuak tawh a, pension anla hmu thei chuanglo. Engpawhnise, Synod hnuaia pension ten Rs 6000/- hmu thei ta se, EPF ah hi chuan Rs 3000/- a tling mang lovang. Tunah hian SEC in thutlukna a siam tawha, OM ah an referred leh mek. He hreng atanga hnuk chhuak theitu awm chhun chu High Court chauh ani….a awlsam vak lovang.
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March 21st, 2010 at 9:30 pm
EPF hrechiang duh chuan helai hi belhchian a trul ang https://www.epfindia.com/
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March 21st, 2010 at 9:36 pm
@Puii
GPF hi chu Sorkar in employees te buaipui ngai lovin a tih sak maia, an hlawh a tangin a cut sak thin. (EPF Rules siam tu annia, anni chuan employees te ngenna vang poh ni lovin antih sak mai )
EPF ve thung chu Sorkar hnathawk ni silo, mahse Income Tax Deptt. approved si (Recognised Provident Fund) te hman ve thung ani.
Tah poh hian an hlawh atang Employers ten (an pek don chuan) an cut sak mai. Chuan a chhawrtu khan a thawh angzat kha a thawhpui boka, Actuary or Trustee te an enkol tir a ani.. Chiang em?
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March 21st, 2010 at 10:10 pm
Lily i sawi chiang ta khawp mai e. thanx… pek tur i tih hi ania ka man fuh loh deuh chu. i thilziakho hi a buin ka siam mai teh ang …vawn reng sen a ni lo tawp mai.
mzvision poh a lo thawh tha khop, ka var pawh chiang ta e.
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March 21st, 2010 at 10:37 pm
@Lily: Online trading lam chu chu ka tuipui lo khawp mai. Ka knowledge in a tlin ve lo.
Mutual fund, online hmanga awlsam taka tih theih dan zawk hi kei chuan ka tuipui zawk daih. Helai chhimkun, hmun kilkhawr, van khuh phak piahlam a chengte tan chuan, postal hmanga thiltih chu a buaithlak em mai. Click keuh a tih theih mai dan a awm chuan han sawi zau belh hlek teh.
EPF chu ka tan chuan “vana rah ang” a ni.
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March 21st, 2010 at 10:49 pm
EPF chungchang bik ah hian kum 10 aia tlem thawh hun chhung nei tawh tan zawm ngei ngei tur a ni ang em?
Kohhrana rei tak thawk tawh, pension mai tawh tur hian engah nge kohhran atangin pension a lak zawk mai loh? Kohhran atanga pension a laka, a san zawk dawn si chuan, engah nge EPF a zawm ve kher? Tihluihna in EPF an zawmtir ve tihna em ni ang le?
Han sawi zau belh leh hram teh.
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March 21st, 2010 at 10:55 pm
Sumdawng Employee 20 chuang enkawl tan chuan Firm hnih neih a, division a in then thaks mai tur. Ti chuan staff te kha then hran leh khan engmah an sawi thei tawh lo. Mahse Sumdawng tan chuan employee te hi kut ke ber an ni tih hi hriat reng a tha.
Stock market a trading awmzia awlsam thei tur berin, High School zirlai hriat thiam theih turin aw. A hmasa berin https://moneygame.rediff.com ah hian Demat account lem (demo) hawn phawt ni sela, hetah hian Virtual money Rs 100000 in BSE/NSE ah trading a theih, mahni pawisa tak tak sen ngai lo. Tichuan Company ah Ranbaxy Laboratories Limited thlang leh ta i la.
Fundamental Analysis: News thlir i la India rampum huap in hrileng a awm lo tih kan hriat a, damdawi Export tur hlawmlian a order a om lo tih te hriat hnu chuan normal market condition a nih a rinawm ta viau, ti chuan Ranbaxy website https://www.ranbaxy.com ah en leh ta i la, Investor Relation Column a lo awm anga, tah chuan Events te, Latest Results te chhiar tur a lo awm ang. Eg Board of Director meeting 22 March 2010 ah a awm dawn tih te a lo awm chuan, Kha mi ni khan trade loh tur, Scalper nih loh chuan. A nih loh chuan an stock a che vak thei. Tikhan Fundamental analysis chu kan zo ta, market a normal tih a hriat ta.
Market chu Bull leh Bear (Buyer/Seller) in a control tih a chiang ta.
Hetiang chiah hian Diwali a company stock che nasa tur te, Summer a che tur chi te chu a hriat thiam theih tawh mai ang.
Technical Analysis: Fundamental Analysis ah market kan thlir zo ta, tunah chuan Ranbaxy stock lei kan tum ta tak tak. https://www.icharts.in ah khan luh leh ni se la, tichuan BSE ah Ranbaxy kha thlang leh i la. https://www.icharts.in ah khan in sign up phawt a ngai, chumi hnu ah JCharts (EOD) tih kha a lo lang ang. EOD = End of Day tihna
Chart en nan Link ah hian click keuh
https://i42.tinypic.com/rmisf5.jpg
Chart a lan dan ang khan Sell Signal 1, Sell signal 2, Sell Singal 3 hmuh tur a lo awm ang, chutiang bawkin Buy signal 1, buy signal 2, buy signal 3 te a lo awm leh ang. Khatiang anga Price movement a lan khan “Strong signal” ti a sawi a ni, Khang hun kha Position hawn hun chu an ni (Trade hun). Khatiang a Japanese Candlestick leh Indicator ho in a rual a signal an pek lai tak hi position (Buy/Sell) chu hawn thin a ni.
Fundamental leh Technical hman kawp dan simple thei ang ber a ni e
Trading hi Chiar vak2 lam ni lovin Practise tam ngai chi a nia, hun a duh tawp. Kum 2-4 years vel tal Demo a in practise loh chuan “Den” lutuk. Khela ang hi ni mai, in practise loh chuan tournament ah an thaw hlawi2 zel, a khelh dan hre mahse.
https://www.icharts.in leh https://moneygame.rediff.com kher rawn tih lan na chhan chu Free vang a nia
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March 21st, 2010 at 10:58 pm
Hmanni khan ka GPF ka withdraw a, motor ka lei ve hmaks mai. Hei zawng hi ka comment theih ve chu ani mai. Ka hre tlem ve khawp mai.
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March 22nd, 2010 at 5:35 am
Lily_parmawia , i rial rei thin mah mah, Tangka lam hi i hre ropui si a han share fo teh khai, a bengvar thlak thin em asin keini ang tan chuan.
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March 22nd, 2010 at 6:11 am
@Caribou Chu tak chu ani an buaina chu. Durtlang Damdawi Ina thawkte khian tumahin EPF zawm an duhlo, mahse Pension Fund Organisation ho hian an man lui ani deuh ber. A awmzia chu Kum 1973 atang khan he Damdawi In hi an hel tawh a, mahse Damdawi In hotute hian pawisa engmah an thawn thla duh lova, man (arrest) ah te pawh an vau fo thin. Mahse hotu anlo inthlaka a hma a an vau daih theih loh kha kum 2005 khan Ukil/Legal expert rawn lovin an hlau hlawpin Vaibelchhe 2 dawn employees ho pawh rawn ik lovin an thawn thla ta ngawta, tunah hian Vaibelchhe 5 dawn an thawn thla tawh ani. He dan hnuaiah hian tihluih theihna anneive a, mahse Legal expert rawnna chang chu hriase an buailo thei tur hi ani a…a awmzia chu Synod hnuaia pension tha tak nei thei kha Shillong ah pension chhe deuhin tih luihna in an pension tir dawn a ang hle…mahse High Court move chu an la tum chuan ka hria…..phenga khua atlai tawh mai thei.
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March 22nd, 2010 at 11:11 am
EPF chungchang in rawn sawi chu a va lawmawm em. EPF hi mzvision sawi ang khian labour leh working class a bik takin private sector tan phei chuan a tha hle a ni. Mahse Mizoram ah hian EPF zawm hi an la tam teh chiam lo a niang, EPF a thawk pakhat chuan mi 2000 chuang vel chauh Mizoram atang chuan an awm a ti. A zialo ka ti hle mai. Mi sawmhnih aia tam hnathawktu kan chhawr a nih chuan EPF hi kan zawm ve ngei tur a ni,Danin a phut tlat a ni, he dan hian Mizoram pawh a huam tel tlats. Privat sector a thawk sawrkar atanga pension la ve lo tur tan chuan a tha thlawts a ni.
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March 22nd, 2010 at 4:45 pm
[...] Neuh Neuh…. | mi(sual).com [...]
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March 22nd, 2010 at 7:18 pm
Last comment hi enge a awmzia?
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March 22nd, 2010 at 7:56 pm
@Bawngkuaivun
(I nik hi )
Pres Hospital buaina chu chiang deuh tak min hrilh thei angem? Hman atang khan i soi zuk zuk thin a.
An fund manage tu te-ah thil fello a om ni ngei tur ani, i soi hmang hian. Mizoram atang pon an EPF chu an manage thei tho a sin, shillong kher zuk tih tir kha enge a chhan ?
A chiang thei ang bera min hrilh duh chuan, ka puih theihna ani bawk chuan ka in huam e..
Tah hian aw: mawia.mizo@in.com
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