Thumasa

(laimal a sawi te Manglai)

Bang han mailam aa ding sumkhol in metbawl?

Ih kumtam zawh ih tawlngak ding hun caing aa sumzat ding kiging ciang, miten pen ihmailam aading kimuang na aom tawh kibang tek hi hang. Aman in a ki theihhna ah, Nasemmi 64% in, kumtam khit zawh tawlngak hunciang in, amau nuamtak aa atawlnga thei ding in kimuang uh hi. Tua a kimuang hang unah, nasem mi 66% in a sumzekzia ding gelna a neih loh lamuh genkhia uhhi. Napai na ding na theih kei leh, natung na ding bang ci dan in theiding na hiam? Hih Lamlahlai in, natup(goals) bang hiam cih leh, natup dan in nasep zawh na ding in a kitel, nazuih ding lampi hong lak ding hi.

Thukidot naah, mailam ading sumzekzia neite pen sumzekzia aneilote sang in, atawlngakhun tung caing tawlngak nading sum pen a zahnih aa kholzaw uh hi.

Mailam ading sumzekzia ding na neihnai keileh, nangbek hikei teh. Mitampitak thukidot naah, amau a sumzekzia ding gel na pen "zanlam ciang hih ning e, vangik aa ngaih sun, aikeileh bang ci dan in kipan ding cih theilo uhhi." Sumbawl thak te ading launa pen a om tek ciat mahhi. Hih lamlah na pen, sumbawlthak te a ding, sumbawl zia ding a baih zaw deuh in a ki gelh hi.

Hih lamlahlai ngimna pen, na sum bangci kem in khangsak ding, na ngimna bang ci tung ding cih lamlahlai ahihi.

Hih lamlahlai nasim khit ciang in, natawlngakkum tung ciang aa ding nasum bang cih khol ding cih na kalsuan zia ding nam 4 gelthei ding in hong um in.

  1. Ngim na nei in: Na sumzekzia ngimna kician tak in tel in la, tuatawh kituak in account khat tel in.
  2. Na Portfolio A tuamtek in khen in: Investments aa ding hun ciang tan leh sum nasup zawh ciang ding ciangtan na te khensat sain nei in.
  3. Investments aa ding tel in: Sumtawm hong la ding index funds zong in.
  4. Na Portfolio GelinSai(*Saina)in: Na Portfolio ii sepzia encit in la, a kisap leh na investments a kikim ding in hih in.

Hih Lamlahlai in mailam ah, na tawlngakhun ciang aa ding sum portfolio bang ci bawl ding cih lamah gen na a hi zong in, mailam saupi sumkholmet ii thubulpi in a dangdang te: na sumzekzia ngimna, sangkah na ding sumkhol na, a tamman vanlei na, aikeileh na neihsa a khang nading in zong kizang thei ding hi.  

Hih Ihkumtam ciang ihzat ding Portfolio in hoihtak aa a kikhen index funds portfolio ih bawl na ding in sikmun zong hong hi thei hi. Index fund sumkholmetding pen mailam saupi aa ding in sumnak kician khat zong hi thei hi. Sumkholmet pupi Warren Buffet a ma company(Berkshire Hathaway) ah sumasit te kiang ah lai khat khak ngei hi. Tua lai ah, "Bang mah theilo sumkholmek bawl ten index fund ah sumkholmek ding in a koihzel ten sumkholmek a siamte honkhat sang cithei zaw hi." ci in na at hi.

Sumkholmeksak dan ding pilna na neihkei hang in, hih lamlahlai ah na kalsuan zia ding hong lak toto ding hi in. Hih lamlahlai na man ciang in, na portfolio bang ci kep ding gel ding leh, sumkholmek na ding bang nang tawh ki tuak cih tel thei ni teh.


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