Sum peipunna him leh him lo thenkhatte

Bank lampang han sawi hian thenkhat chuan an mi melh dan leh an mi thlir dan an tidanglam fo thin. Hei vang hian hetiang lampang ziak ve hi a inthlahrunawm deuh hlek thin. Banking lampang hi hausak hluaina leh pawisa dah pun thur thurna lampang a ni lo tih hi hriat hmasak a tul hle a. Hah tak leh rim taka kan thawh chhuah sa, inren tak leh mahni in control tlat chunga tlem tlema kan lo inkhawl ve tang tangte hi tupawh mai hian a theihna kawng kawnga peipun kan duh ve theuh awm e.

           A peipunna tur kawng kan hre lova, pung hluai tura beiseina avangin mi tam takin harsa tak leh hah taka an thawh chhuahsa an luanral tir thin. Pawisa hi saiip bag-a dah tawp te, thingrem mawnga dah tawp te hian a pung thei reng reng lo va, pun a hnekin a bo thei a, a chhe thei a, a kangral thei bawk. Hmun him taka dahtha chung sia tlemte tea a lo pun ve hlek hlek theih chuan, chumiah chuan lungawi thei mai ila chuan a tha tur. Duhamna hian kan dai loh loh tur tur min daitir thin anih hi.

Himdam taka sum peipun theihna dan turah sorkar hian ruahmanna tha tak tak a siam thin a. Chung hmuna peipun chu a hlawk loh hle laiin a him em em thung. Mi tu tih hriat chian hleih loh, an rinawm leh rinawm loh pawh hriatchian ni miah si lo, engtin nge min peipun sak ang tih pawh hriat ni miah lote hnena kan thawh chhuah liau liau kan han dahkham ngam hi chu kan va lo huaisen tak em. Sum peipunna him leh leh him lote hi i han chhui chiang ang u hmiang.

Sum peipunna him te:

Mipui te’n him taka kan sum neih chhun ang ang te kan peipun theih nan te, him taka kan dahthat theih nan te sorkarin ruahmanna a siam thin a, chungte chu post office ah leh bank ah te hian an ni.

1. Post Office:

Post Office hi thingtlang kilkhawr ber thleng pawha dawr theih tura office nei an ni a. Hei vang hian khawpuia cheng ve lo te tan pawh saving and investment ti duh tan a awlsam hle. India sorkar ta a ni a, an hnena pawisa invest hi a pung a tam lutuk lo na a, a him hle.

2. Bank:

Bank hi sawi zau ngai lovin kan hre theuh ang a, pawisa virvelna hmun a ni deuh ber mai. Sorkar bank a awm a, society ina a din bank a awm a, private bank a awm bawk. Bank-a pawisa dah hi a pung a tlem hle na a, a him hle. Sorkar bank ah chuan State Bank hi a tha filawr lak a, Mizoram chhung atan chauh anih chuan Mizoram Rural Bank pawh hi a tha khawp mai.

Post Office Saving Schemes:

A chunga sai tawh angin post office hi sorkar ta a ni a, thingtlang khua, bank ina a thlen phak lohna hmunah pawh office an neih thin avangin mipui tan a awlsamin atangkai hle. Bank ang lo takin, post office-a pawisa dah hian a punna rate (rate of interest) hi a danglam ve mai mai ngai lova. Chuvang chuan tuna an revised thar ber ang hi ka han tarlang tel dawn a ni. Post office ah hian pawisa him taka dah khawl theihna tur scheme hrang hrang sorkarin a duang a, chungte chu a mal malin i han thlur phawt ang hmiang.

1. Saving Bank:

Hei hi saving account a ni mai a, bank lama saving bank account nen a inang deuh reng. A pung a tlem em em a, dah hun chhung bik nei a ni lo bawk a, lak chhuah a awlsam em em thin. Mahni ina pawisa dah aiah saving bank account-a pawisa dah hian a him zawk mai bakah a pung (interest) tlem tlem a lo awm ve a. A punna rate hi 4% a ni a, a sang lem lo na a, a tha ve hle tho a ni.

2. Recurring deposit: 

              Hei hi thlabi ang zela pawisa dahkhawlna hmanrua a ni a. Recurring deposit hrim hrim hian a tum ber pakhat chu, thlatin tlem tlema pawisa lo dahkhawl keuh keuhva, a tawpa a pung tha ve thawkhat tak nena pawisa hlawm lakchhuah hi a ni. Pawisa hi thlatinin chhunluh tur a ni a, dah luh theih tlem ber chu thlatin Rs 10 a ni. Kum 5 atan zel dah tur a ni a, kum nga chhung chuan 7.5% per annum angin a punna chhut tur a ni.

             Recurring deposit hi a that em avangin sorkar hnathawk ho chuan an hlawhah an cut tir mai a, a awlsam ang reng hle. Hetianga hlawha cut mai thin hi Pay Roll Savings (PRS) tiin an sawi thin bawk. Sorkar Department tinah Pay Roll Savings buaipuitu tur bik sorkarin a ruat thin.

 3. Post office time deposit:

Hei hi fixed deposit tia kan hriat lar thin kha a ni a. hunbi nei atana pawisa dah thatna hmanrua a ni. Kum 1 atan te, kum 2 atan te, mahni inhuam ang angin dah mai tur a ni a, a punna rate pawh a tha khawp mai.

Time               Rate

1 yr. A/c      7.70%

2 yr. A/c      7.80%

3 yr. A/c      8.00%

5 yr. A/c      8.30%

                 Hriat ve mai mai atan, a punna rate hi chuti tehluaa sang viauin a lang lo na a, mithiamt zawke chuan 10% aia sanga pung thei ang chi hi chu a him lova, fimkhur a ngai hle niin an sawi thin.

4. Post Office Monthly Income Account Scheme (MIP):

              Hei hi pawisa hlawm dahthat tur neite tan dahthatna leh thlatina a pung lakchhuah theihna a ni. Kum 5 atan dah phawt tur ani a, kumtina a punna rate hi 8.2% a ni.

5. Public Provident Fund (PPF):

Sorkar hnathawk te'n General Provident Fund (GPF) an nei a, an hnathawh hun chhung zawngin thlatin an hlawh atangin pawisa an chhunglut thin a, chu chu 8% compound interest in a pung thin.  Miin a thatlai hun chhung zawngin hna a thawk a, a lo tarin a lo upa ta a, hna thawk thei a ni ta lo, chumi hnuah chuan a lo pension ta a, a thatlai huna hun rei tak chhung pawisa a lo dahkhawlte kha a la chhuak ta a. Chutiang atana hmanraw pakhat chu Provident Fund hi a ni. India khua leh tui diktak tu tan pawha Provident Fund neih a nih theih nan Public Provident Fund hi ruahman a ni a, a punna interest rate pawh hi 8.6% lai a ni. Dah rei theih hun chhung hi kum 15 a ni a, kum 7 a ral hnuah chuan mamawh dan azirin a withdraw vek theih a, dah zawm zel duh tur tan chuan loan ang rengin a puk chhuah theih bawk.

6. National Savings Certificate (NSC):

Hei hi term deposit ang deuh hleka pawisa a hlawma dahthatna hmanraw pawimawh tak pakhat a ni. Hetah hi chuan passbook a awm lova, a aiah Certificate pek chhuah a ni thin a, kan pawisa dah a mature hunah chuan he certificate hi kengin a pung tha tak nen lak chhuah mai tur a ni. 

7. New Pension System (NPS):

              Sorkar hnuaia hnathawk thar zawng zawng chuan EPF zawm tawh lovin New Pension System an zawm vek tawh a. He Pension system thar ah hian chuan pension hun ami tur pawisa, hlawh atanga cut thin pawisa te kha an duh zat leh an phal zat ang ang sorkarin stock marketah a invest sak tawh dawn a ni.

            India khua leh tui diktak tan he pension scheme hi zawm ve theih a ni a. A dilna form hi Post Office atangin emaw State Bank of India atangin emaw lak chhuah a, fill up a, thlatina mahniin pawisa kan deposit theih tawk tur nia kan hriat ang kha ziak a submit ve mai tur a ni. Thlatina a remchan loh pawhin kum khatah vawi 4 emaw, vawi 2 emaw, vawi khat emaw pawhin a pek theih tho bawk.

            NPS ah hian duhthlan tur a awm a. I pawisa dahthat (deposit) te stock market ah 50% thleng invest turin i thlang thei a, i duh chuan Government Security/Bond ah i duh zat zat peipung turin i thlang thei bawk. I duh hun hunah, i duh dan danin i siksawi thei bawk. He pension system, mimal tupawhin zawm ve an phalsak atang hi chuan pension hi sorkar hnathawk tan chauh emaw tihna kha zawi zawia thaibo a lo ni tan ta reng mai.

8. Kisan Vikas Patra (KVP): 

             Hemi scheme hnuaia pawisa dahthat anih chuan kum 8 leh thla 7 a tlin hnuah a thlepin a pung thei. KVP hi tun hnaite atang khan an titawp ta nge, ka chiang chiah lo.

              Post Office-a pawisa dah hi a that viau laiin, saving bank bikah chuan duhthu a sam lohna lai a tam thei ang. Bank angin ATM an nei lova, tin internet emaw mobile phone atang emaw mahni account a khawih theih loh bawk Hmun tam zawkah chuan pawisa dahluhna leh a lakchhuahna counter te hi intawm niin hmunkhat atang veka transaction tih thin a nih vangin nghah rei a ngai em em thin a. Nikhata lehlan mai theih loh chang a awm fo. Chutihlaiin thingtlang tak tak atang pawhin, khawpuia kal ngai miah lovin investment a tih ve theih thin a; hei tak hi Post Office a that ve na lai a ni awm e.

Save investment in bank

1. Recurring Deposit:

Bank recurring deposit ve thung hi tlemin a danglam deuh hlek a. Dah hun chhung hi kum 5 atan em ema reiin fix a ni ve bur lo va, a punna pawh hi a changin a hniam a, a chang erawh chuan a sang thei hle. A punna a san lai taka tih anih chuan Post Office aiin a hlawk fe zawk thei. Kum khat atan lek pawh recurring deposit hi a tih theih a, hei vang hian tam tak chuan an duh phah em em thin. Mahni hlawh lakna bank ah recurring deopsit i ti anih chuan, i thla hlawh atangin thlatin an cut sak thei che a, Pay Roll Savings nen a danglam em em lo.

2. Fixed Deposit:

             Fixed deposit hi pawisa a hlawma hunbi neia dahthatna a ni a. Recurring deposit aiin tlemin a punna rate a tha deuh hlek thin. Post office ah hian a punna rate a ngai reng a, a danglam ve ngai lo. Chutihlaiin bank lamah erawh a changin a punna rate a hniam a, a chang chuan a sang tha thin hle. A punna rate a san that lai taka dah chuan a hlawk hle turah ngai ang.

3. Public Provident Fund: 

Hei hi Post Office ami nen khian a inang reng a. State Bank of India atangin a tih theih a, bank kaltlanga he scheme hi zawm anih chuan internet atangin payment a tih theih a, chuvangin a awlsam bik hle.

4. New Pension System:

 Hei pawh Post Office ami nen a inang reng a, mahse Bank atanga New Pension System hi zawm anih chuan online payment chungchangah a awlsam bik, netbanking hmangin a pek mai theih thin.

               Bank hi pawisa khawihna hmunpui a ni a, pawisa khawih tur hrim hrima countera thu pawh an tam. Hei vang hian a dawrtu an tam ang huin dakin ang em ema nghah rei ngai lo fo thin. Internet kaltlang leh mobile phone atangin mahni account a khawih chet theih a, mobile phone bill pek nan te, landline/broadband bill pek nan te, mobile top-up thun nan te, tax pek nan te, India ram hmun hla zawka thil awlsam taka lei nan te, magazine subscribe nan te a tangkai em em thin a. Stock market leh Forex lampanga pawisa invest nan te an hmang tangkai thin hle bawk, Kan hriat miah lohvin mi tam tak hian bank hi an lo hmang tangkai em em thin a lo ni.

Safe investment hi a himlo ve thei em?

                      A him loh theih dan a awm ve tho mai. Kum 2007 kum khan arrier ka la a, mamawh leina atana ka hman bang tlemte chu ka fapa tan ka dahsak chhin tehreng ang tiin KVP ka tihsak chhin a. KVP lehkha min pek kha ka lo dah fimkhur tawk lo nge, ka tibo daih mai a, nasa eltiangin kan zawng takna a, kan hmuchhuak zo tawh lo; a number ka lo chhinchhiah si lova, a bo hlen ta a. Office lamah ka va complaint a, an lehkhabu hlui un lutuk ah min lo check sak a, an hmuchhuak chuang lo. A tlem tham bawk a, ka fimkhur loh vang a lo ni bawk nen, ka chhuitir nawn buai zui ta lem lo. Ka sawi tum tak chu, safe investment kan tih pawh hi, kan fimkhur loh lutuk chuan a loss theih ve tho a lo ni.

Investment him lo te:

1. Him vak lo, thiam chuan hlawk thenkhat te:

Investment him lo han tih hian hman deuh lawka kan buaipui luai luai 'chiahpuam' ang chi kha chu a ni lova. Investment reng reng tlem tal risk a awm loh chuan a hlawk thei lo. A hun dik taka invest chat chat chuan hlawk em em, mahse a hun dik lova invest chuan hlawk thei reng reng lo ang chi investment tihna hmanrua ani kan sawi tur hi.

(i) ULIP:

Unit Linked Insurance Plan (ULIP) hi Insurance Company in indirect taka stock market lama pawisa an investna hmanrua pakhat a ni a. A hlawkna leh hlohna hi market san leh hniam azirin Unit anga pek a ni thin. Insurance agent te’n hlep thahnem tham tak an nei a, company in hlep an nei bawk. Chumi hnua a la chuang zawng chu kan chanpual a ni. A fee hrim hrim hi a to uchuak hle. A tira pawisa deposit atangin tam tham tak an cut thin. A tlangpuiin kum3 a a ral hma chuan a khawih chet theih loh. A timing a fuh anih chuan a hlawk ve thei tho va, a timing a fuh loh chuan nasatakin a hloh theih. ULIP agent te tan hlep a tam tham bawk a, agent te an campaign nasa thei hle. “Kum 3 chhungin a thlepin a pung thei,” tih te, “Kum thum chhung atan i pawisa lo dah ve la, kum thum hnuah a hlawk lai berin pawisa i draw hmak dawn nia,” tih ang reng te hi an uar hle. ULIP hi chu a hlawk mawh khawpin ka ring.

(ii). Mutual Fund:

           Mutual fund a invest tur chuan Nationalised Bank ah Account neih a ngai a, chumi account atang chuan pawisa a lutin a chhuak ang. Netbanking apply ngei ngei a fuh. PAN Card neih a ngai a, chumi hnuah KYC neih leh ngei ngei a tul bawk.

Mutual Fund hi Company, a bikin Bank lampang hian an khawih nasa hle a. Tunhma chuan agent te’n hlep an nei thin a, tunah chuan agent te tan hlep a awm lo tluk a ni. A fee chawi a tlem hle a, bakah mahni’n duh ang angin a khawih kual theih a, duh hun hunah a lak chhuah theih a, ULIP anga khawih chet thei loh bur ang chi kha chu, kan va thlang kher anih loh chuan, a awm ve lo. Mutual Fund hi India rama investment khawih thin te’n an tihna tam ber pawl a ni hial awm e. A nihna diktakah chuan mithiam, proffessional investors te'n kan buaipui hah ngai miah lovin stock market ah min invest sak a, engemaw zawng tak chuan a hahdamthlak phian. Hei pawh hi a timing a fuh chuan a hlawk thei hle a, timing dik lo lutuka invest tu tan chuan a hlawk lo hle awm e.

(iii). Equity/stock market:

Direct stock marketa invest-na hmanrua a ni a, broker kaltlangin a invest theih. Buaipui peih chuan hlawk hle tura ngaih a ni a, mahse invest-na huntha thlan fimkhur erawh a ngai hle ang. Mutual Fund te anga company hrang hrang te hlawkna/hlohna average atanga chhut ni ve lovin, direct-in company pakhatah invest a ni thin. Kan investna company performance a tha lo anih chuan eng ruai kan ang lo thei. Mahse, tih tak vekah, Mutual fund ai chuan a hlawk hle ang le.

(iv). Commodity trading:

Mihring ina nitina kan mamawh, a bikin buh leh bal, thlai thar, leh petroleum lampang te, thil laichhuah hlu zual gold te silver ang hmang tea insumdawn tawnna khawvela sum leh pai lo dahkham a, a hlawkna lo tel ve ang chi hi Commodity Trading a ni. Commodity bikah hian nikhat lek chhung hian stock market hi a che nasa hle a, hetia a sana a hniam leh inkar chhung hian mi thenkhat chuan hlawkna tel tumin an invest thin. Nikhat chhungin vawi tamtak investna huntha a inhawng a, a hlawkna pawh nikhat chhungin an tel leh mai thin. Risk a sang rem rem hle a, tihfuh chuan a hlawk hle a ni maithei. Thiam ve mai mai a chakawm ka tia....

(v). Forex

Foreign Exchange market (Forex) hi ram leh ram inkara pawisa hlutna danglam thin kar lak atanga hlawkna lo tel ve theihna hmanrua pakhat a ni a. Minazawng tana tih ve mai mai chi a ni lova, a zirchiang peih leh atchilh peih te tan chuan hlawk tak leh nuam tak leh hlawk tak anih hmel. Hei pawh hi thiam ve mai mai a chakawm ang reng....

(vi). Real Estate

Tunlai khawvelah, a bikin khawpui lianah te inhmun man a to tawh a, a lei leh hralh atang ringawtin miin sum tak tak hlep a nei thei. Inhmun lei leh hralh atanga invest hi Real Estate chu a ni deuh mai. Company lian leh hausa thenkhat te’n Real Estate hi an kalpui thin a, chumi atan chuan hlawkna beiseiin miin a pawisa a va dahkham ve thei thin. Company chuan a hlep anih chuan investor te’n hlep an nei ve thin. A hlep lo anih chuan investor tan hlohna chance a sang hle.

2. Himlo uchuak te:

Hlawk hluai inbeiseina avanga thuhnu dawn hauh lova mimal hnena pawisa puktir emaw, pawl hnenah emaw, company phuahchawp zet zet hnena pawisa dahluh ang chi hi a ni. A pung chu sawi loh, a capital zawng zawng nena hotea chan vek theihna a ni a, fimkhur a ngai hle mai. “Chumi-khami pawh chuan a ti a, a hlawk lutuk, ti ve rawh. Tun hi i tan hun tha a ni. Nakinah i inchhir palh ang e,” tih ang chi te hi a him lo duh hle. “Kum khatah a thlepina pung thei” tih ang chi te phei hi chu awih chi a ni lo hrim hrim. Pawisa hi amaha a awm mai mai hian a pung ngawt thei lo. ‘Engtin nge an lo peipun ang’ tih hi mahni leh mahni inzawh fo tur. Member zawn chawp ngai ang chi (ponzi scheme) pawh hi, enge maw dik lo inphum ru a awm duh hle.

Sum peipunna tura sorkarin a ruahman te hi an him em em a, ram economic a that emaw a chhiat emawin a nghawng lem lova, nitin, thlatin, kumtina nasataka market che vel hian a khawih buai hek lo. Thiamna ril tak nei ve lo tan chuan him taka bank ah leh post office ah dah that hmiah mai hi a fuh ber. Risk awm miah lo sum peipunna hi a him hle laiin, risk tlem azawng nena beiha nasataka peipun theih anih chuan, chu ngei chu duhthusam a ni, risk tlem tlem a tel loh chuan returns a tam thei ngang si lo va. Keini ang thlatin hlawh ringa khawsa ve mai mai, mahni hlawh pawh kham thathum lo lek lek fo thin tan hi chuan sum hlawm invest tur kan nei ve si lova, chuvangin keini ang tan hi chuan mutual fund SIP hi a lo tha ber maiin ka hre ta.