Engatinge sum ka peipun ang?

A chunga zawhna kan chhan hma hian, mi hian a sum peipung lo ta sela, engnge thleng ang tih hi i zir chiang phawt teh ang. Tehkhinna atan, thla tin ₹50,000 hlawh emaw, sum lak luhna emaw nei ta la, i hlawh atanga ₹30,000 chu i nitin mamawhah i hmang thin a; hei hian in luah man, ei leh in, veivahna, bazar-na, natna inenkawlna, etc. a huam tel ang. I sum la bang zat chu ₹20,000 a lo ni ang a, hei hi i ‘balance’ emaw, i ‘Monthly Surplus’ emaw chu a lo ni ang.

Chhût awlsam zawk nan, chhiah (tax) in thil a nghawng dan lo dah tha ta ila; tichuan, hetiang hian thil thleng leh ta sela:

• I hnathawhna te chuan kum tin 10% in i hlawh pun thin ta sela.

• Kum tina i nitin mamawh hlutna san dan chu 8% ni bawk sela.

• Tunah kum 30 i ni mek a, kum 50-ah retire i tum bawk a; kum 20 hnathawhna hun i la nei tihna ni bawk sela.

• I retire hnuah hnathawh i tum tawh lo bawk a.

• Pawisa i hman ral zat chu ngai reng bawk sela.

• A chunga kan sawi ang khan ₹20,000 i hmang bang ziah dawn a ni.

Hei hi kum 20 chhunga i pawisa lak luh, hman dan leh khawl dan tur a ni:

Kum	Lak luh zat (₹)	Hman chhuah zat (₹)	Sum chuang/Khawl zat (₹)
1	6,00,000	3,60,000	2,40,000
2	6,60,000	3,88,800	2,71,200
3	7,26,000	4,19,904	3,06,096
4	7,98,600	4,53,496	3,45,104
5	8,78,460	4,89,776	3,88,684
6	9,66,306	5,28,958	4,37,348
7	10,62,937	5,71,275	4,91,662
8	11,69,230	6,16,977	5,52,254
9	12,86,153	6,66,335	6,19,818
10	14,14,769	7,19,642	6,95,127
11	15,56,245	7,77,213	7,79,032
12	17,11,870	8,39,390	8,72,480
13	18,83,057	9,06,541	9,76,516
14	20,71,363	9,79,065	10,92,298
15	22,78,499	10,57,390	12,21,109
16	25,06,349	11,41,981	13,64,368
17	27,56,984	12,33,339	15,23,644
18	30,32,682	13,32,006	17,00,676
19	33,35,950	14,38,567	18,97,383
20	36,69,545	15,53,652	21,15,893
Total (Sum khawl)			₹1,78,90,693

Kum 20 chhunga i sum khawl zawng zawng belh khawm chu ₹1,78,90,693 (₹1.78 crore) a lo ni tawh ang.

Heng number-te hi chhuiin zir chiang ta la, thil hlauhawm tak a ni tih i hrethiam ang. Thil rawn lang chiang chu:

1. Kum 20 chhungin ₹1.78 crore i khawl.

2. Kum 20 chhung hian i hman ral (expense) zat a san belh loh avangin, i lifestyle a inthlak lo anga ngaih a ni a, chuvang chuan in leh lo, motor leh zin veivahna (travels) lamah sum i seng lo anga ngaih a ni.

3. I retire hnu lamah, i hman ral hi kum tin 8% in sang chho zel ta sela, i sum lo khawl tawh ₹1.78 cr. chuan kum 8 vel chu a daih ang che. Kum 8 a ral hnuah chuan engnge i ei a, engnge i in tak ang tih kha zawhna lian tak a ni ta a ni.

I retire atanga kum 8 a ral leh chuan i sum lo khawl tawh chu i hmang zo der ang a, engtin nge i tih tak ang? I retire hunah hian ₹1.78 crore aia tam neih theih dan a awm em?

A chunga kan thil chhût dan khi a mâwlmang em em a, nunphung pangngaiah chuan khitiang khi a ni thei hauh lo thung. Ka rawn târ lan tum ber chu, investment (peipunna) ti miah lo ta la, pawisa i khawl zat tur leh i pawisa khawl chu a hranpaa a than lohzia târ lanna a ni.

I sum khawl ang ang te chu dah tawp lovin peipung zawk ta la, mâwlmang taka chhûtin i sum peipun chu kum tin 12% (p.a) in lo pung ta sela. A kum khatnaa ₹2,40,000 pawisa chuang bang i neih kha, kum 20 chhung (kum tin ni hnuhnung ber zelah) peipung ta la, kum 20 hnuah chuan ₹20,67,063 a lo ni tawh ang. A chhut dan i hriat duh chuan -

= 2,40,000 * (1+12%)¹⁹

= 20,67,063

A chhiarkawp lamah kha chuan lo buai rih lo ta ila, i sum khawl/chuang bang kha lo peipung zawk ta la, hei hi a awm dan tur chu a ni.

Kum	Lak luh zat (₹)	Hman chhuah zat (₹)	Sum chuang/Khawl zat (₹)	Sum khawl invest la @12% p.a (₹)
1	6,00,000	3,60,000	2,40,000	20,67,063
2	6,60,000	3,88,800	2,71,200	20,85,519
3	7,26,000	4,19,904	3,06,096	21,01,668
4	7,98,600	4,53,496	3,45,104	21,15,621
5	8,78,460	4,89,776	3,88,684	21,27,487
6	9,66,306	5,28,958	4,37,348	21,37,368
7	10,62,937	5,71,275	4,91,662	21,45,363
8	11,69,230	6,16,977	5,52,254	21,51,566
9	12,86,153	6,66,335	6,19,818	21,56,069
10	14,14,769	7,19,642	6,95,127	21,58,959
11	15,56,245	7,77,213	7,79,032	21,60,318
12	17,11,870	8,39,390	8,72,480	21,60,228
13	18,83,057	9,06,541	9,76,516	21,58,765
14	20,71,363	9,79,065	10,92,298	21,56,003
15	22,78,499	10,57,390	12,21,109	21,52,012
16	25,06,349	11,41,981	13,64,368	21,46,859
17	27,56,984	12,33,339	15,23,644	21,40,611
18	30,32,682	13,32,006	17,00,676	21,33,328
19	33,35,950	14,38,567	18,97,383	21,25,069
20	36,69,545	15,53,652	21,15,893	21,15,893
Total (Kum 20 hnua i sum khawl peipun)				₹4,26,95,771

Kum 20 hnua hman tur i neih kha nasa takin a pung tih i hmu thei awm e. Peipung miah lova pawisa i dah tawp khan ₹1.78 crore a ni a, i peipun chuan ₹4.26 crore a lo ni tawh ang, a let 2.4x velin a pung tihna a ni. Thil chiang ta uar chu, i sum chuang bang khawl satliah lova i peipun hian, kum 20 hnuah dinhmun tha zawkah i indah a, i pension/retire hnuah kum tam tak i mamawh a phuhruksak thei dawn che a ni.

A tira kan zawhnaah khan han let leh ta ila - ‘Engatinge sum ka peipun ang?’ tihah khan. A chhan lian berte chu hengte hi an ni awm e:

1. Thil man to zel laka invenna: I sum chuang bang i peipun hian, thil man to emaw pawisa hlutna tlahniam kan tih - inflation lakah i inveng a ni.

2. Ro i khawl khawm ang: I sum i peipun hian, hun lo la awm tura i hman tur i lo hmakhua lawk thin. Entirnan, a chunga kan chhût chhuah khi retirement/pension hun atana chhût a ni a; mahse fate zirna, inneihna, in leh lo leina, zin veivahna leh thil dangte atan pawh a peipun theih a ni.

3. Nun hlimawm i nei ang: Sum leh pai vanga harsatna thleng thin tam zawk lakah i him ang.