Sumkholmetsak Na Ding In Ah Zuih Ding thukhun Nga

    Sumkholmetsak pen a buai-huai lua ding in ngaih sut ding hilo hi. HunSaupi a ding aa sumkholmetsak nuam te a ding in, a haksalo thukhun pawl khat ki cian tak in zuih na tawh sumkholmetsak na ah lung-kham huai lualo ding in hong huh thei ding hi. Hih zuih ding thukhun nga teng in, mailam saupi sumkholmetsak na ah ih sumgel dan ding teng bang ci hih ding cih ih siksan mun ding in zong hong hi ding hi. Na portfolio(sumkholmetsak na sumsazin) na ki pat ciang in ah, hih thukhun nga teng pen kumtam-tawlngak hun ciang aa ding ih portfolio ah zong ki zang thei ding hi.

Thukhun 1: Sumkholmetsak kipan baih leh Sumbehlap dending

Summet-metbeh sak pen, sumkholmetsak-nuam te ii zat mahmah khat hi a, summet-metbeh nasep theih na ding in hun leh sum koih zel ding ki sam hi. sumkholmetsak-te sumkholmet-sak ki pan baih leh a behlap zel te pen sumkholmetsak ki pan hak te sang in a liangpi in met na om zaw hi. 

Summet-metbeh sak ki pan baih na ii thupi na ih nuntak na ah ih muh theih na ding in ah, a nuai ah sumkholmetsaknuam-te thu en ding hi hang. Sumkholmetsaknuam PuSang in kum 10 sung in sum $2,000 ta khol in, tua sum pan in ah summet-metbeh 8% ngah kik ci ni. Kum 10 sung khit ciang in, a sum behlap nawnlo, a sum lakha lo a hih hang in 8% summet ngah pen ngah lel hi. Sumkholmetsaknuam PuDo in sumkholmesak leh summet-metbeh pen kipan hak hi. PuDo in PuSang kipat zawh kum 10 khit ciang in ki panpan in, kum 10 sung $2,000 ta khol hi. PuSang in sumkholmetsak leh summet-metbeh sak ki pan baih in, kum 10 sung zong a sum koih suak aa, kum 20 ciang in ah PuDo sang in ah $36,263 nei zaw hi.

Hih a tung ah ih muh mah bang in ah, PuSang leh PuDo in $20,000 ta koih uh hang in ah, PuSang in sumkholmetsak ki pan baih in ah a sum dawk zel khol zel lo in koih suak a hi man in summet-metbeh na ii vaan pen a hun tawh ki zui in tam a ngah pah hi.

Summet-metbeh sak na ding in sum na koih theih na ding in, nang leh nang sum na ki pia ma sa ding hi. Nang leh nang na ki piak masak na ding in ah khasum na ngah ciang in ah nang leh nang na ki piak zah ding sum khen sa in koih in na sumkholmetsak na account sung ah koih pah in. 

Thukhun 2: A Man Na Piak Zah Leh SiahSum A Tawm Theithei

A man na piak leh kumpi Siahsum in na summet ngah teng tawm sak ding aa na sum a khang ding zong ziakhai sak tuam ding hi. Gentehna in, nang sum 1% bek pen adviser(bang dan hih leng hoih hiam ci aa hong gen) te kiang ah pia le cin tua 1% sum pen a met lah ngah lo summet-metbeh lah ki ngah lo pah hi. Huntawm no sung hi leh, hih sumtawm no khat bek in tawm bek hong sukha ding hi. Aihiang in ah, hun sawt ciang in ah tua sumtawm bek in na met ngah ding tampi tak hong sukha thei ding hi.

 

 Hih a nuai ah man ah 0.08% leh a 1.08% a-man piak pen a tek kak na man hi. $5,000 kum sim in na account sung ah koih in a met 7% ta ngah le cin, hun te hong kheng2 ciang, na sum a khang na zai sem2 lam na mu ding hi.

 

 

 

Hih genteh na ah, 1% a-man a val piak na in, kum 40 ciang in 20% ciang tung to a, kum 40 ciang in na sumngah ding 40% dong tawm tuam sak hi. Tua ahih man in, kum khat ciang $5,000 ih koih pen 1% hi leh $50 ta a hihi. Hun ii sum man tawh tuat leng, i sup ding sum pen $50 leh a metbeh a hihi.

A-man(fees) na piak loh na ding in, sumkholmetsak-ten a sum khol na ding mun pilvang tak in na tel kul hi. Na sum khol na ding mun ah na zat ding leh a ki sam a-man na piak ding teng zong ngaih sung in.

Kumpi siah in na summet leh na behlap sum te percentage(%) tam zaw in hong ne thei hi. Na khasum pan kumpi siah sum na piak zong pen 1% na piak sang in ah tam zaw pek hi. Hih a nuai ah lim sung ah, kumpi siah in stock leh bond summet ngah pen 2% ciang dong a lak lam ki mu thei hi. Mailam ah vanman khang leh kumpi siah sum hang in ah, sumtang aa kep pen a hun tawh ki zui in a man kiam semsem hi.

 

Na kumtamtawlngak hun ciang aa ding sumkholmetsak nuam le cin, 401(k)s leh IRAs cih accounts te zong ngaih sut ah koih in. 401(k)s leh IRAs accounts te pawl in kumpi siah na piak ding lam ah tampi tak hong huh ding hi.

Na kumtamtawlngak hun ciang aa ding sumkholmetsak nuam na hi kei phial zong in, kumpi siah piak a tawm thei ding in a hih dan lampi zong na mu kha thei ding hi. Sumkholmetsak-nuam tampi tak in tax-efficient investing a cih, summet a tam theithei a ngah na ding in kumpi siah a tawm theithei a piak na ding un vai hawm uh hi. Gentehna in, nang na sumkholmetsak-na na zuak ciang in, a met na ngah tung tawn in kumpi siah na piak kul ding aa, tua a met pen na sumkholmetsak-na pan aa a met na ngah hi(interest, dividends, aikeileh appreciation cih te pawl). Aihiangin ah, na sumkholmetsak-na zuak pah lo in kum khat val bang keem le cin, kumpi siah zong sang lua lo pah ding hi. Tua ai mah bang in, lei in a keem sumkholmetsak-nuam ten in kumpi siah sum piak na ah lei zel zuak zel a hih sumkholmetsak-nuam te sang in ah tawm pia kha zaw uh hi.

Thukhun 3: Na Sumkholmetsak-na A Tuamtuam In Khen In

Atuamtuam(namtam) in khen ding ih cih ciang in ah, namkhat bek ah sumkholmetsak lo na tawh ih sumsup ding ki khiam thei hi. Na sum khem peuh munkhat bek ah sumkholmetsak le cin, tua nasumkholmetsak na hoih kei leh, na sumkholmetsak khem peuh sumthei ding hi teh. Atuamtuam in ih khen theih na ding nam khat pen funds tung tawn in hi a, tua dan in na hih ciang in, na sumkholmetsak-na tel ding zong zai sak zaw hi. Gentehna in ah, S&P 500 index fund sung ah stocks tampi om in tua sung ah a tuam vilval index kizong thei hi.

A tuamtuam in khen ding ih ci ciang in ah namtam pi lei ding cih na hi tuan lohi. A 

tuamtuam in ih khen ih met lawh na ding in, sumkholmetsak-nuam te in a ki bang lo namnih gawm khawm in neih huai hi. A ki bang lo namnih cih ciang in ah, khat a-man a kah leh khat a-man kiam, market nasepzia a kibang lo hun in ah a leh lam tuak in a pai ih cih na hi. Genteh na in ah, stocks a kah lai tak in, bonds pen kiam thei zaw cih dan ih gen na a hihi. Hih a nuai aa lim ah en le hang, stocks leh bonds a leh lam ta in a pai ki mu thei hi.

 

 

stocks leh bonds ih gawm man in ah ih portfolio khang valval kiam valval cih te khiam thei ding hi a, a hih hang in a met zong a hi ciang ki ngah veve hi.

Thukhun 4: Na Hun Tawh Ki Zui in Sumkholmet-sak In

Sumkholmetsak-nuam khatkhat te in summet tam ngah ding ai a leh a lauhuai a hi zong in sawk ngam leu uh a, khang hanhan kiam hanhan cih dan te pen pha mawh salo hi. Alauhuai sumkholmetsak-na pen sumkholmetsak-nuam te a ding tampi sup ding om zaw a, a hi zong in market a hoih loh na pan in hoih kik ding hun om ding pen hunsau sumkholmetsak-ten lam en hi.

A nuai ah lim ah, kum khat sung in sumkholmetsak-na na mu ding a, summet-ngah pen a khang leh a kiam pen kician lo hi. Kum 20 a sumkholmetsak-na tawh summet-ngah ih tekkak ciang in, kum 20 sung aa pen summet ngah zaw a, tamkiam tamkah cih bang zong omlo zaw hi. 1926 pan 2017 ciang pen, kumsim summet-ngah pen stocks neu te a ding in 12.1% hi a, stocks tam te a ding in 10.2% a hihi.

Hih a tung a lim en leng, kum tam sumkholmetsak-na ih kep pen lau huai lo zaw hi. Na portfolio sup ding lauhuai na khentat na neih ciang in, na ngim na aikeileh kumtamtawlngak-hun na tung na ding in hun bang zah nei cih zong ngaih sut huai hi. A huam kim ding in genleng, a ngim na a tung na ding a hun sau a nei sumkholmetsak-nuam te a ding in supding lauhuai na pen thuak zo zaw ding hi. A sumkhol tawm no tawh sumkholmet-sak ding utmel lo thei ding a, a hi zong in ih sumkhang ding ih zong ciang in ih khangno lai hun pan kipat pen a hoih pen leh hun saupi neu zaw hi uh hi. 

Thunkhun 5: Mailam Hunsaupi aa Ding Na Ngim Na Ah Mitsuan In

Pongman lo Sumtawh ki sai markets; a kah leh a kiam ni pen om zel ding hi. Tuni a a piang pen a thupi pen hilo hi - mailam, a lam na aa na ngim na mitsuan aa na om ding thupi zaw hi. 

Hih anuai aa lim ah ni kizom 5,040 aa ding in nisim sumngah na alak na a hihi. Hih dan in a lim en ziau le cin, market pan in summet ngah cih bang omlo in, pongman lo in kiamzel kahzel ci aa bek ki mu hi.

Bangbang ih ci zong in, market a sang lai tak in summet sawm in, a kiam laitak ki hem khia cih pen hunsau pi ah sumkholmetsak-nuam te a ding sup na pian thei hi. Market a kiam kik ciang in, a tamzaw ah kah kik ham tang hi. 

Genteh na in ah, stock market a hoih pen ni leh a hoih loh ni hun pen ni khat ni bek a zong pian thei hi. 2015 kum in, August 24 ni pen S&P 500 aa ding summet-ngah pen a hoih lo penpen ni hi a, aihiang in ah a hoih penpen ni pen ni nih kih ciang August 26 ni hi leuleu hi. A hoih lo penpen ni aa a taikhia sumkholmetsak-nuam pa in ah a hoih penpen ni pen tuak khalo ding hi.

Sumkholmetsak-nuam tuamtuam ten market ah hun ki bang lo tek in a hih zia uh en ni. Hih a nuai a lim ah, market ah ni sawm sang in a tawm zaw in a tai kha pahpah te pen, sumngah uh tawm zaw pah leh, khat veivei ciang a sum uh sumthei lai uh hi.

hih ni 5,040 aikeileh kum 20 sung sumkholmet pai suak te in ah summet 7.2% ngah uh hi. Aihiang in ah, tua kum 20 sung in a hoih pen ni 10 a lap lo te a ding pen a summet ngah uh 3.5% kiam hi.

Khat peuhpeuh kumtamtawlngak hun aa ding aikeileh mailam saupi ngim na a nei a sumkholmetsak suak te a ding pen, sumkholmetsak pai suak a hih man in, ni khat a kiamzel kahzel cih te pen amau a ding thupi lo.

Hiah ih gen thukhun nam nga te en kik ni. Tua thukhun nam nga te ciam teh in:

1. Sumkholmetsak kipan baih leh Sumbehlap dending
2. A-Man(Fees) Na Piak Zah Leh SiahSum A Tawm Theithei
3. Na Sumkholmetsak-na A Tuamtuam In Khen In 
4. Na Hun Tawh Ki Zui in Sumkholmet-sak In 
5. Mailam Hunsaupi aa Ding Na Ngim Na Ah Mitsuan In