Financial Planning

          Kei, economics leh business lama background chhete pawh neih aih lovina financial planning lam han ziak ve ngawt chu a zahthlakin mahni leh mahni a insit rum rum theih mai alawm le. Hetiang lampang thuziak tha tak tak dah khawm chhiar duh tan chuan Maawma leh  Lily_Parmawia  of mi(sual).com te site ah hian han lut teh u. Mizotawng ngeia ziak financial education lampang chhiar tur in hmu thei ang. An site ah hian lutin an thuziak te hi han chhiar ve teh u. Beginner tan chuan Lily_Parmawia thuziak ngat te phei hi chu chhiar a nuamin hriatthiam an awl khawp mai.

          Financial lamah hian plan mumal leh felfai tak neih hi a lo tul khawp mai  tih hi ka hmuchhuak ve tlai khawhnu anih hi. Kohhran pawh hi sum plan felfai leh awmze nei taka a kal loh chuan a buai nuai thei a. Chutiang bawkin chhungkua pawh hi financial planning mumal tak, felfai tak tello chuan a buai tlat thin. Mihausa leh sum lalut tam te, sumdawng hausa te leh sorkar hnthawk officer lian leh te deuh te erawh hi chu financial plan felfai lutuk nei lo pawhin nuamsa takin a awm theih thova, buaina an nei ngai lem lo.

           Keini ang kohhran hnuaia thawk, hlawh tlem bawk si tan chuan plan uluk taka neih hi a va lo tul tak em. Thawh chhuah a tlem si, midangte ang thovin mamawh a tam si. Thawh chhuah a tlem miau avangin mahni thawh chhuah chhun ang ang te hi uluk taka plan mumal tak nena hman anih loh chuan thla khat min daih zo thin lo. Thawk chhuak tlem tan hlei hlei hian financial planning hi a lo pawimawh anih hi maw. Pawisa neih tam hi hlimna a ni lova, pawisa neih tlem pawh hlimna a ni chuang hek lo. Kan sum lak luh mil zela kan khawsak thiam hian lungawina kan nei thei mai dawn a lo ni. 

           Financial plan mumal tak ka lo neih thin loh avangin vawi tam tak ka buai tawh thin a. Vawi khat thla hlawh lak har /tlai hlek thla apianga buaina ka tawk mai thin hi keima thiam loh a lo ni. Puk tur ka zawng a ka phi ruai thin te hi plan mumal ka neih that tawk loh vang lek a lo ni. Plan a fel thlap loh chuan mahni income aia tam hman chhuah tum a awm ta fo mai. Input aia output a tam miau chuan hmabak chu leiba nei tun chunga nun a ni tawh mai. Heng te avang hian thla hlawh lak har thla chuan puk tur ka dap ruai thin a, a chang leh ka hlawh lakna bank ah over draft (pay day loan) ka dil fo thin. Enga ti nge mi te hi an indaih bik a, an hlawh an kham bik a, puk tur an zawn ve ruai thin loh? Keimah ah hian dik lo a awm em ni? Financial planning lamah awareness ka lo neih that tawk loh vang a ni ber mai tih ka hre chhuak ta.

          Financial plan tha tak nei thei tur chuan a hnuai ami te hi ka zawm hram a ngai tlat mai le:


1.    Retirement plan:

           Nakinah kan la dam zel te a nih chuan hna thawh theih loh hun leh tar hun te kan nei theuh ang. Chumi hunah chuan engtin nge kan khawsak ve tak ang le? Hna thawk thei lova kan la awm hun atana zawi zawia sum kan lo khawl ve hlek hlek hi a tul hle a ni. Kan thihsan anih pawhin kan chhung te’n an lo hmang tangkai tho tho ang. Pension hi sorkar hnathawk tan chauh emaw kan ti thin hi a dik lo. Tu tan pawh pension hi neih ve theih reng a ni. Sorkar hnathawk ho hian an thawh chhung zawngin an hlawh atanga 10% emaw, a aia tam emaw an cut sak a, chumi tling khawm leh a pung nen, a tawpah chuan a lo tam ta em em thin. Sorkar hnathawk kher lo pawh hian pension tur kan contribute theih chuan pension kan nei ve thei dawn tihna a ni. Hetah hian a chhiar zawm theih e.


2.    Emergency fund:

           Mihring hun tawnah hian that lai hun chauh kan tawng lo va, chhiat tawh leh damloh nikhua pawh kan tawng fo thin. Heng hunah te hian engtin nge sum kan hman mai tur kan hmuh tak ang le? Hetiang ang huna hman mai tur kan neih theih nan Emergency fund account hran kan neih a tul niin mithiam te chuan an sawi a. Chu account ah chuan zawi zawiin sum kan vawm lut ang a, a tir lamah chuan a tlemin a beitham hle ang; mahse a lo rei tial tial ang a, nakinah chuan a lo tam ve tial tial ang a, mangan nikhua leh harsatna a lo thlen thutin pawisa hman mai tur kan nei thei ang.
            

3.    Life insurance:

            Chhungkaw chawmtu ni la, nangmah ah i chhungte, i nupui leh fanaute innghat ta tlat mai se, vanduaina i chungah a thleng palh ta se, i chhungte engtin nge an lo awm zel tak ang. I lo boral palh hlauh pawha i chhungte’n sum enge maw zat tal an lo lak ve theihna tura intiamkamna felfai tak company emaw Post office nen emaw a siam a nihin, chu chu Life insurance a ni. Life insurance hi sum dah khawlna a ni lo tih hi hriat reng tur a ni. Life insurance ina a tum ber chu zan khat mit-chhin tawh palh thut pawha sum tam tham tak, kan chhung te’n an lo dawn ve theihna tur atana ruahmanna a ni. Life insurance ah hian ULIP te, endowment te, whole life insurance te leh term insurance te a awm a. A theih hram chuan term insurance hi a tha ber. A duh tan hetah hian a chhiar zawm theih e.

4.    Investment:

           Investment hi zawi zawia sum khawl khawk bek bek leh kan sum khawl khawm sa te peipun dan a ni mai a. Private company thenkhat ah te, Financial institution hrang hrang ah te, mimal hnenah te, Real estate ah te, Bank ah te leh Post Office ah te investment a tih theih reng a ni. Investment kan tih dawn reng rengin kan pawisa dah te a him tawk a ni tih kan hriat chianna hmun ah chauh investment kan ti tur a ni a, mimal kutah phei chuan tih loh hram tur a ni. Tin, a punna (interest rate) sang lutuk ho hi A HIM LO tlang pui. A chhan chu, harsa taka kan thawh chhuah sa kan sum te kha engtin nge nasa takin an peipun tak ang?

          Bank leh Post Office ah te hian a him khawp mai. Tlem te tea bul tan duh tan chuan  Bank leh Post Office ah te hian recurring deposit hmangin bul tan mai tur a ni. Tin, mutual fund SIP hi a tha khawp bawkin ka hria. ULIP tak hi chu charge neuh neuh a tam avangin tha ka ti lem lo.


5.    Planning for childrens:

       a)    Children’s education:

          Naupang te an lo than len hian, an zirna atana insensona a sang tulh tulh a. Pawl 10 hnuai lam chu a man a tlawm pawh ti mah ila, mahni ina duh ang thala kan zirtir theih si loh chuan sum tam tak sengin hostel ah indah a tul leh thin. Kan fa te’n phai lamah zirna sang zawk zir dawn ta se, airna hmun tha ah chuan Entrance test an nei deuh zel a, chumi a tling thei tur chuan nasa taka an lo inpuahchah ve a tul a. Coaching hial an kal ve a tul thin. Doctor, engineer, MCA, MBA, etc zir tur chuan kum khatah sum nuai tel sen a lo tul thin. Hetih huna pawisa puk chawp lova kan awm theih nan, nakina kan fa te zirna tur pual liau liau vin sum kan lo dah khawl lawk a tul a ni.


       b)    Children’s marriage:

             Kan fa te an lo upat in, nupui/pasal nei rual lo ni ve ta se, chumi hunah chuan inneih sawngbawl nan sum tam tham tak mamawh a ni ngei dawn. Mizo inneihna hi chu hnamdang inneihna nena tehkhin chuan a hautak lo em mai, pawh kan ti maithei. Tulaiah mi kan inti changkang tawh a, khawpuia kan inneihna te hi a hautak em em tawh a ni tih hi hai rual a ni lo.  Sapho tihdan anga mitlemte tana inneihna buatsaih ngawt lah hi kan society in a la remti chiah lova, upa lam ngaihdan pawh a ni lo bur bawk. Tum mah la, a rem chuang lo. Inneihna hi khawtlang huap a ni a, a hautak chho zel dawn. Puk chawp bawkin em ni kan buaipui dawn le? Fapa tan nupui man, inneih thuamhnaw, an thian te thuamhnaw, lawi kawr, khum, inneih cake, thingpui, biakin cheina, zungbun, coat suit, mo hruaina motor, ruai buatsaihna tur sum thahnem tak nen. Insensona tur a sang hle ang. Puk chawp anih chuan a rulh leh lam a hautak tham ngawt dawn si a, chuvangin kan fate kan hmangaih takzet anih chuan an inneih ni a hman atan pawisa engemaw zat tal kan dahtha lawk tur a ni ang. Hmmmm.... huphurhawm thin mang e.


6.    Savings for buying house:

            Mahni chenna tur ngei in sak ve hi kan tih makmawh, kan kova tla a ni a. Kan sum lakluh mil tawk tal in kan sak ve theih a tul hle a ni. Ka sum lakluh a tam loh miau chuan in tha tak, mite sak ang sak ve chu ka beisei kher tur a ni lo. In chhete tal ka sa ve thei anih ngai chuan nu leh pa kan thih boral hnu ah pawh, fa te, baihvai leh mi ina awm kual mai mai lovin mahni inah eng tin tin emaw an lo khawsa ve naw naw thei dawn ani. Mahni puala in nei lo chuan a thawh chhuah atangin in luah man thlatin a pek a lo ngai reng tawh ang a. In luah man lah a kum telin a sang tual tual bawk si. Mi in luah chuan eng thil pawh inchhung khurah thawk se, a la chhuahsan leh tho tur in a ni miau va, duh ang taka cheibawl pawh a phurawm lohva, a chakawm hek lovang. Mahni in ngei luah erawh chuan eng thil tha pawh mahni inchhung ah thawk se, chung te chu amah leh a chhungkaw ta vek tur a ni. Thingtlangah chuan in sak mai a harsa lo, mahse khawpui ah zet zawng insak chu sawi loh, a sakna hmun tur ringawt pawh neih a harsa a nih hi.


7.    Savings for buying land:

            Leilung hi a hausa a, leilung hausakna hi hai chhuak thei tur chuan mahni in ram (huan) neih ngei tur a ni. Leilung hausakna han tih hian oil leh rangkachak khur lam kher a kawk lo. Mahni huan atangin buh leh bal, thlai, thei leh chawhmeh chi hrang hrang a thar chhuah teuh theih a. Sum lakluh nan hmang kher lo mah ila chhungkaw intodelhna atan a tangkai em em a ni. Thilman a sang tial tial a, ei leh in man a sang zel a, chawhmeh man phei chu a zuan hian a zuang kang awk awk thin. Mahni eitur thar chhuah ve theihna tur huan, zimte tal pawh nise, neih hram hram hi a lo tha dawn khawpin ka hria.


8.    Savings for buying property: 

           Inchhung khur mamawh chi hrang hrang te hi an man a to hlawmin a hranpaa sual chhuah ngai te an ni hlawm deuh zel a. Heng steel almirah, chair, table, bel bawm, TV set, DVD player, Tape deck, inverter, washing machine, micro-wave oven, etc. an man tam hlawm a, chhungkaw mamawh an ni ve bawk si, mahni hlawh atang ringawta lei tum chu a harsa hle. Computer, laptop, digital camera leh mobile phone handset te pawh hi mahni hlawh atanga han lei mai hi chu har tak a ni. Hetiang ang lei tur chuan mahni hlawh atanga tlem tlema lo inkhawl ve ker ker a ngai thin.

           Ka ziak thui hle mai. Mahni subject ni miah lo mahse, ka tana a tangkai dawn em avangin a pawimawh zual tlem azawng ka han hrut thuak thuak anih hi. Thawk chhuak tam apiangin an khawl tam ang a, a thawk chhuak tlem chuan an khawl tlem mai tur a ni. Thawh chhuah a tlem avang maia khawl tum miah loh hi nakin hun atan leh chhungkaw tan a tha miah lo ani tih hriat reng tur a ni. Kei ang income tlem lutuk leh a hun taka hlawh la lova awm thin ngat tan phei chuan financial planning hi a lo tul takzet a ni.