Hi tinhmi caah tahchunhnak cawhmi: Aa tlukmi
- Phaisa le chiahmi 10%
- Bonds 40%
- Stocks 50%
Cu bantuk tinhmi le caan caah mi nih tangka an i tthen tawnnak tahchunhnak — ruahnak cheuhnak si loin.
Emergency fund cu a tlangpi in a himmi le fawi tein hmuh khawh a si — tangka chiahnak account ah asiloah tangka chiahnak ah — zeicahtiah zeitik caan paoh ah na herh men lai. A tlangpi in hmanmi phunglam cu thla 3-6 chung a herhmi hmanmi phaisa a si.
Ni hngalhmi ah a herhmi tangka cu ni a naih deuhdeuh tikah tihnung deuhnak hmun ah ṭhial a si tawn, cucaah cawk hlan deuh te ah market a tlak ahcun timhtuahnak kha a hrawh lo.
Inn chiahnak caah nithla cu a biapi: kum tlawmpal chungah cawk na timh ahcun, a man a tlak ahcun cawknak kha a tlaiter khawh. Mi nih cawknak a naih deuhdeuh tikah risk kha an zorter tawn.
Kum hra tampi a rauh hnu ah, caan tawite chung tlaknak cu a biapi deuh lo, cun caan saupi chung ah stock pawl cu tuanbia ah thil man kai nakin a rang deuh in an karh — asinain a fekmi a um lo, cun mi tampi nih pension a naih tikah risk kha an zorter.
Caan sau tthanchonak caah, caan khiahmi le a tthangchomi le a niammi na tuar khawhnak kha a biapi bik. Investment tampi ah tangka phawtzamh le man tlawmter cu na ukmi a si.
A kirmi cu aa dang ahcun
A taktak in hmuhmi cu a tluang bal lo: kum cheukhat cu a ttha lomi an si. A tlawmtam nih a phichuak cu ruahnak cungah zeitluk in dah aa hngat ti kha a langhter.
Tahchunhnak cawhmi tahchunhnak
| Tahchunhnak | Phaisa / bonds / stocks, % | Ruahchanmi kirnak | tiang a ṭhang kho | Nihin phaisa in |
|---|---|---|---|---|
| Phaisa le chiahmi | 100 / 0 / 0 | 2% | 74,362 | 51,345 |
| Ralrin | 20 / 60 / 20 | 3.5% | 85,343 | 58,926 |
| Aa tlukmi | 10 / 40 / 50 | 5% | 98,420 | 67,955 |
| Tthanchonak | 5 / 15 / 80 | 6.5% | 114,033 | 78,736 |
A sang deuhmi ruahmi hlawknak cu lamkam ah a ngan deuhmi le a tam deuhmi tlaknak he a ra. Ruahchannak hna cu biakamnak si loin caan saupi chung a tlangpi in langhtermi an si.
Na tangka na chiah hlanah
- Hmasa bik ah emergency fund ser — thla 3 in 6 tiang a herhmi hmanmi phaisa kha fawi tein hmuh khawhmi account ah chiah.
- Credit card tibantuk leiba man fakmi kha cham: a tthanchonak cu a tlangpi in tangka chiahmi hmuhmi nakin a sang deuh.
- Na ram nih zeidah a pek ti kha zoh: mi tampi nih ngunkhuai tlawm deuh in tangka chiahnak asiloah pension account an ngei, cun rianngeitu cheukhat nih na pekmi ah tangka an chap.
- Na tangka kha phawtzamh: company pakhat, tangka asiloah thilri pakhat cu amah tein a tla kho, cun a kau ngaimi tthencheunak nih mah ttihnung kha a zorter.
- Man tlawm tein chiah law caan saupi ruat: kum khat ah 1% man nih kum hra chung tthanchonak ah a tam deuh a lak.
Biafang hna nih zeidah an chim duhmi a si
Phaisa le chiahmi. Tangka chiahnak le tangka chiahnak. Risk a niam i phanh a fawi, asinain caan saupi chung cu interest nih hin inflation he aa tlak lo.
Bonds. Cozah asiloah ngunkhuai a pemi company hna sinah leiba. A tlangpi in stock nakin a fek deuh, asinain an man cu ngunkhuai he aa chawk i leiba chamtu nih a cham kho lo.
Stocks. Company ah share, a caan ah funds in ngeih. Tuanbia zoh tikah caan sau tthanchonak sangbik a si, asinain a thukmi tlaknak he — a caan ah 30-50% — a tthancho khawhnak dingah kum tampi a rau kho.
Hlennak ralrin peknak hmelchunhnak
Hmuh tthannak a sangmi, biakhiahnak tuah colh dingin hneknak, crypto asiloah laksawng card in pek dingin halnak, le nangmah he pehtlaihnak a tuah hmasa bikmi “account managers” hna cu investment hlennak hmelchunhnak a si. Chawva luhternak a tuahmi paoh cu na ram phaisa lei uknak nih license a pekmi an si le si lo zohfel.
Phaisa lei ruahnak cheuhnak a si lo. Hi cahmai cung i a ummi thil vialte cu na ukmi ruahnak cungah hram bunhmi a tlangpi fimcawnnak a si. Mah cu tangka chiahnak, ngunkhuai asiloah upadi lei ruahnak cheuhnak a si lo i tangka lei thilri pakhatkhat pekchanhnak asiloah ruahnak cheuhnak a si lo. Hlan lio hmuhmi nih hmailei hmuhmi a hngatchan lo, cun tangka chiahmi nih man a sung kho. Na dirhmun he aa tlakmi biakhiahnak tuah awkah, license a ngeimi phaisa lei ruahnak petu he bia i ruah. Bazeta nih phaisa lei thilri a zuar lo.