SMART Acih Ngimna Bawl Ding

 Na portfolio masa pen na bawl ciang, na ki pat dang ding pen ngimna nei ding in, tua ngimna tawh ki tuak in accounts khat tel ding hi teh. Mi khat-leh-khat e sum tawh kisai ngimna ki banglo aa, aihiang in ah ih ngimna ki bang kim khat pen kumtamtawlngak hun ciang in ah nuamtak in tawh nga thei ding, aikeileh laitan sang zaw kah theih na ding, inn, khual zingzawh na ding in sumpiak zawh na ding cih tel zong hi thei hi. Na ngim na bangbang a hi zong in, na ngim na na tut zawh na ding in gelna na neih ciang in ah, tua gelna pen nang tha hong lawpsak ding na deih na teng sang in, a sang zaw hi leh hoih ding hi. Tua ngimna na tut theih na ding in ah na kalsuan na teng pen tua ngimna tawh a ki tuak ding hi leh hoih hi.

 

 Ngimna ki cian neih na tawh, 15% bang, ki gualzo zaw thei hi. Na ngim na tel-sinsen in, na gel bang in kip-tak in gamtat na tawh, na ngim na, na tut zawh na ding lampi tam-zaw mahmah hi. Hih dan aa gamtat na tawh ngimna tut zawh na pen, mailam ah a gah ih lawh na ding in, tawmvei sung ih hun pia-khia in sep ding a ki sam hi. Nang pen bang aa ding in na hun pia-khia na hiam cih na theih a leh, tua na hun piak-khiat na pen nasep na ding baih zaw hi. Tawm-vei sung na-sep khit ciang, mailam hun sau pi aa ding in zong na gelna pen nasep pai suak-kul ding hi. Markets kiam zel kah zel ta leh, na ngim na in sumkholmet-sak pai suak na ding in tha hong pia ding hi.

SMART ngimna

Sumtawh ki-sai na ngim na pen, a tuamtuam om thei kha ding hi. Sumtawh ki-sai ngim na a tuamtuam te na ngaih sut theih na ding in ah, SMART a cih na zat-nop leh zangthei ding hi teh. SMART ngim-na pen Specific(Ki-Cian-Sinsen), Measurable(Ki-TehThei), Attainable(Ki-NgahThei), Relevant(Ki-ZawiTawn), leh Time-Based(HunTawhKiZui).

• A Ki-CianSinSen(specific) ngimna in tua ngimna tawh ki zui-in sum man nei hi. Na ngimna e, a man na theih na ding in.
• A Ki-TehThei(measurable) ngimna na neih na hang in ah, na ngimna na tung na ding in ah lampi na pai-zia a man hiam cih, hong thei sak ding hi.
  
• A Ki-NgahThei(attainable) ngimna pen a piang-tak pi ding in, ki hih thei hi. Genteh na in, na sumkholmetsak-na pan a ki bawltawm sumngah kik tam tawh ki zui in na ngimna koih-lo ding hi teh. Na portfolio ah kum khat sung in 15% summet na ngah hang in ah, mai-kum ciang in tua dan in hoih ding cih gen-theih tuan omlo hi.
• A Ki-ZawiTawn(relevant) thei ngimna pen manpha mahmah hi. Tawl-ngak na ding inn aikeileh nasep khawl-baih in tawlnga baih ci dan tel pawl, sumtawh kisai na gual zawh nop ngim na tampi tak nei mah ni teh. Aihiang in ah, nang a ding bang thupi pen aihiam, bang hang tua pen thupi pen a hiam?
• HunTawhKiZui ngimna ah a hun-ciangtaan om, aikeileh a hun-ciangtaan tuamtuam om hi. Na ngimna bulpi bang ciang in ah gualzo nuam na hiam cih na ngaih sut kawm in ah, a ki kal ah a neuneu in na hih ding zong gel le cin hoih ding hi. Tu a dan a na hih man in, na ngimna pen a piang thei takpi ding a hiam, piang thei lo ding ai hiam, bawl phat kul hiam cih hong thei sak tuam ding hi.

SMART tawh ki sai, genteh na hoih khat pen: kum 30 a pha ta sumkholmetsak-nuam khat in hih bang in gen hi," kum 65 ka phak ciang in ah nuam tak in ka tawlngak theih na ding in sum $2 million nei nuam ing. Tua bang in ah a piang theih na ding in, ka kha sum ii 6% pen kal-sim in 401(k) ah $225 leh IRA ah $100 khol in ah, ka sumkholmetsak-na ah 6% summet ka ngah theih na ding in vaihawm ning," ci hi.

Ka sumkholmetsak-na ngimna tawh a ki-zawitawn in gual zawh na ka ngah na ding in ah sum a ki-ciansinsen tua-zah lian' ka kep na ding in ah ka ngimna ka tut na ding kum a kim sam zah..

A tung aa ka lai at dan in ka hih zawh na ding in, ka account(s) sung ah a hun a hun in, a ki-tehthei % sum ka koih zel ding a, kum khat ciang in summet ngah zah ding a ki-ngahthei ka sumkholmetsak-na ah ka ngah na ding vaihawm ning.

Ngimna Gelna ah HongHuh Thei

Bang deih na hiam cih nang bek in khen-sat thei na hih man in, tua na ngim na na tung na ding in na sumvai ngimna leh lam hong lak ding nang hong huh thei ding mi leh mun tuamtuam tampi tak om hi. Tua te pen Financial ConsultantI ki ci hi. Tua te in na ngimna na tung na ding bang cih leng hoih diam cih hong ngaih sut pih thei hi. Nang leh nang zong gel thei ni teh. Ai hiang, a piang thei ding gelna a hih ding thupi.