Banghang Sumkholmet sak?

     Americans tampi tak in, kumtam tawlngakhun tungciang zatding sumkhol pen a  lungkim huai ding in ki ging nailo hi. Athuman in ci lel, Americans mi thum ah khat in kumtam-tawlngakhun ciang zat ding in a sumkhol uh pen $5,000 sang tawm zaw hi.

    Aihiang inah akhasiat huai thuman pen, kumtam-tawlngakhun ciang nuamtak aa a om nuam in sum a khol te na leng, a sumkhol bek tawh ki cinglo ding hi. Na sumte baan ah amet tamlo in na khol leh, mailam hun saupi ciang na sum te suumzaw mai ni teh. Bang hang suumzaw ding na hiam cih leh pen, mailam ah vanman, nitha te khang tek2 ding ahih man hi. Na sum manphat na pen sawt tek2 leh kiam tektek ding hi. 

    Hih anuai aa lim en leng, summan koi ci kiam cih ki thei zaw deuh ding hi. Genteh nain, 1987 lai in pongmot pound khat pen $0.57 hi aa, 2018 ciang in pongmot pound khat ciang $1.30 dong a man khang hi.

    1980s in na mehteh mehgah nalei na sumteng tawh, tuuhun ciang in mehteh mehgah lei ding hi le teh na lei na ding sum ki cing nawn lo ding hi. A ki bang in ah ci leng, tu aa na vanlei na teng tawh mailam ciang lei ding ci leng, tu aa na vanlei teng ki ngah nawnlo thei ding hi.

    Apiangsa hun te en kik leng, sum man kiam zah pen kum khat ciang in ah 3% tahi. 3% pen a tawm tawh a ki bat hang, kum 20 ciang in hileh naa man pen a zahnih in khang a hihi. Hih dan aa vanman khang hang in na sumkhol bek tawh lauhuai hi.

Summetngah

    Sumkholmet sak in, na sumkhang sak na tawh tua vanman khang pen lehzawh thei ding hi. Sumkholmetsak-te ii ngim na pen summetngah tam aikeileh ameh tam ih ngah na ding hi. Sumkholmetsak-te in ah summet a tam theithei a deih uh leh, sumsup ding a lau huai semsem sumkholmet sak thei na lam ah sumkholmet sak khul hi.

 

        Sumkholmek-sak pen ih sumciaptehna-lai ah, ih sum khang na ding in thupi hi. Gentehna in ah, hih nuai aa ciaptehna-lim en leng, stocks in 1927 pan 2017 ciang 10.2% ngah amet ngah hi. Vanman a khang ih tuat phial zong in stocks in 7% ngah kik veve hi. Ih sum(cash) aa ih khol en leng, hun sau semsem leh mang semsem hi.

 

     Sumngahkik tam zaw a hih man in, kumtamciang ih zat ding sum pen baan ah ih khol sang, sumkholkhang-sak(invest) leng hoih zaw hi. Sumkholmet-sak pen met gai cih theih lian omlo hi. Aihia, nunglam hun te enkik leng, stock market pen khangto(met) hi, market mipil te a ki thukim khat ah hih market pen mailam khangto sem2 lai ding hi. Hih anuai aa market nunglamhun ciapteh na en leng ki tel zaw deuh ding hi.

    A sumkholmetsak te in 1998 pan $1000 tawh sumkholmetsak ki pan leh mai kum 20 caing in a zah li $4,013 ngah ding hi. 

Summet-met beh sak na ii Vaan

    Sumkholmetsak ding a ki pan thak te in 7.2% a met ngah tawh $1,000 pen bang ci bang in $4,000 dong khang thei ding ahiam ci in, lam dang sa ding uhhi. Tua dan aa a khang theih na pen summet-met beh sak uh a hih man a hihi. Summet, aikeileh summetngah pen na sum na tawi pan a amet na ngah a hihi. Summet-met beh cih pen na summet pan a met na ngah beh ahihi. Summet-met beh sak na in, na sum pen khang hanhan sak hi, aikeileh na sum a khang manlang sak zaw hi. 

    A kician in summet-met pen ih muh theih na ding in a nuai aa lim tawh en ni. 1946 lai in $1 man stocks ah na sumkholmet sak le teh 2016 ciang tua $1 pen $1,000 khang thei ding hi.

       Summet-met sak pen bang dan hiam ci leh: sumkholmet-sak-pa in $10,000 sumkholmetsak ci ni. Tua $10,000 pen sumkholmet a kipat na Sumkholbul cini. A man pen a sumkholmet sak na pan, kumkhat in ah 10% ta met ding in ki ngaih sun leh, kum khat ciang $1,000 a met ngah ding in, kum khat in a ki gawm in $11,000 nei ding hi. Genteh na in ci leng, ama sumkholmet sak pen kumsim in 10% ta khang tektek ding in tuat ni. Kum nih khit ciang in a $11,000 ii summet 10% pen, $1,100 ngah ding in ah, a vek aa ki gawm in $12,100 ngah ding hi. kum thum khit ciang in ah 10% mah a met ngah leh a sumkholmet-sak a ki gawm in $13,310 ngah ding hi.

     Hih a tung aa genteh na lim ah, kum 30 ciang aa amet a ngah bek pen a sumkholbul sang in ah tam zaw hi. Hih gen teh na in summet-met sak na ii a-man ki muthei hi. Ih summet-met sak a khang pen hun leh sumkholbul a met a ki gawm to hi.

    Hun pen ih sumkhang na ding in ah, a thupi mahmah khat a hihi. Sum ii hunman a khiat na in, tuni aa sum pen mailam aa sum sang in a manphat zawk na pen, tuni aa na sum te tawh summet-ngah thei ding na hih man a hihi. Hih genteh na mah bang in $10,000 pen kum 30 dong sumkholmet-sak lel $174,494.03 man to ding a hihi. Aihiang in ah, $10,000 pen summet-khang sak kei lel, kum 30 ciang in ah $10,000 mah man ding aa, vanman khang hang in ah, tua sum-man kiam ding hi.

Na Sumkhol-ciaptehna ah Behlap(Sumkhol) in

    Na sumkhol hun a sau zah leh tua na sumkhol pan bang zah a met ngah cih te gel pen summet-met sak na ah a thupi mahmah nih a hihi. A thum na na ngaih sut ding pen behlap ding hi.

     $10,000 kum 30 sung sumkholkhang sak in, kha sim in $200 ama sumkholmet sak na sung ah behlap ding in khensat ci ni.

 

     Kum 30 khit ciang, kha sim aa a sum behlap hang in ah a ma sumkhol khang sak pen $174,494.03 pan 569,279.68 dong khangto hi. Hih a tung aa lim en leng, khasim in ih sum behlap hang in ih sumkholkhang zah ki khaisak mahmah hi. Hih sumkholkhang zah ii sum teng en leng, a tam zaw sumteng pen a met pan hi zaw hi. A sum behlap $200 leh a sumbul $10,000 tegel a kigawm pen $82,000 bek hi aa $487,279.68 pen a sumkholmet ngah teng hi.

    Mikhem peuh in sumtampi behlap zolo hi. Na theih ding khat ah, sumtawm bek behlap le ci zong, tua sumtawm bek in zong na sumkholmet na tampi ki thei sak tuam ding hi. Bang hang hiam cihleh, hun pen summet-met sak ah athu pi mahmah khat a hih man ahi hi. Tua a hih man in ah, sum behlap ding bek thupi hilo a, ih behlap baih man in, summet-met sak na ii ki mangna ih zat siam ding zong ki sam hi. Sumkhol met ding na ki pat nai kei leh phamawh kei, patau kei in. Sumkholmet-sak pen singkung suan tawh ki bang hi a, na kipat ding hun hoih penpen tuuma kum 10 lai hi aa, aihiangin na kipat kik ding hun hoih nih na pen tuni mahmah a hihi.

 

    Behlap(sumkhol) ding pen khasim in ah a na ki behlap thei ding in na hih ding in zong na ngaih sut na ah koih in. Sumkholmet-sak khatkhat ten a khasum sang ciang in behlap hi. Khasim in na 401(k) kumtam-tawlngak-hun ciang aa ding in, na nasepna mihau-pa aikeileh electronically in na sum, na accounts sung ah a na ki khak ding in zong hih thei hi.

Hamphat na sup na ii man

     Ih sumkholmet sak na ding, sum behlap ding zong pen baih tuan lo hi. Ih kumtam-tawlngak-hun ciang aa ding sum ih khol ding ciang in, tuni mahmah sumtawh kisai na khensat na in na mailam aa ding in thutampi tak gen ding hi.

    Gentehna in, mikhat in mawtaw lei ding in ngaihsun ni. Tua-nu in $40,000 man mawtaw lei sawm, aikeileh tua sang atawm man zaw $30,000 man lei in, aval $10,000 sumkhol met sak ci ni. 

    Tua ahih man in, $30,000 man leh $40,000 mawtaw bang ki lam dang hiam? Sum ii hun man hang in, sumbawlsiam-te in tua mawtaw tegel man a ki lamdang na pen $10,000 bek hilo hi ci ding uh hi.

Hih a tung ah lim 3 ah, summan thei mihau thum-te tuang, a man kituak mawtaw a neih te hi.

    (Sumbawlsiam te in tua pen hamphat na ii supna man ci uh hi, hamphatna bei man. Tua-nu in a tawmman zaw mawtaw lei leh, hamphatna-ii-supna-man pen, tuni aman mawtaw hoih tuang khalo ding - a mawtaw ah soundbox hoih aikeileh a mawtaw horsepower  omlo ding hi. Mawtaw hoih zaw lei leh tua mawtaw hoih zaw ii hamphatna-ii-supna-man pen a tua-nu in $10,000 pen sumkholmet sak thei lo ding hi. Sum ii hunman hang in, hamphat-na-ii-supna-man pen $10,000 sang tam zaw hi. Bang hang hiam cih leh, sumbawlsiam te in $10,000 pan ngah theih ding sum zong tuat a hih man a hih man hi. A nuai aa lim sung ah, kum 30 val  amet 10% tawh $10,000 sumkholmet sak leh, tua sum pen $174,494.03 caing man to ding hi. Mailam a ding a ngaih sun sumkholmet sak ten, a mauleh amau ki dong ding hi: mawtaw hoih zaw in mailam hun ah $100,000 a man nam?

 

 

Dotna

- Sumkholmet-sak pa/nu in sum $100,000 nei ci ni. kum khat ciang in ah 3% vanmankhang ci ni. Tua hi leh, sumkholmet-sak pa/nu in a sumkhol khang sak kei leh mai kum 20 ciang in ah a vanman lei zawh na ding sum 3% tawh tuat toto leng bang zah caing a sum manphat zah kikhai to ding ahiam?

- Summet-met beh(compound interest) sak ih cih bang ai hiam? Summet-met beh sak na ii ki mang na i zat theih na ding in bang cih ding ih hiam?