"Merry Christmas" tiin nan kut kan tlaih hna. Pathian lamhruainak le nanmah dirkamhnak thawngin tluang tein kum khat kan kal t'han. Kan account ah nan hmuh bantukin tu kum hi kan riant'uannak a tluan bik kum, "the best year ever" a si. Phaisa kan phummi 24.84% bakin a t'hang. What a wonderful year! Cheers!
Tutan ka cakuat cu kum dang he aa dang deuhvak lai. A tlangpi deuh lawngin thil sining ka t'ial lai. Zeicatiah, thla hnih-thum dan ah kan account balance he report tawi kan pek ko hna caah kan riant'uaning cu nan theih ngaingai ko rua dah ka ti. Cucaah, voidang bantukin kum khat chungah ka zuarmi le ka cawktharmi stocks cungah tampi ka chim lai lo. Biachahnak (investment decisions) ka tuahnak ah a tlangmi in ka hmanmi khuacuanh dan le thil sining tu langhter kaa zuam lai.
US Presidential Election (2016)
"Politician ka si lo, businessman ka si," tiah ka hawile sin ah kaa chim t'heo. Investment decisions ka tuahmi zong hi politics cungah aa hngat tuk bal lo. Phaisa kan phum duhmi company pakhat a riant'uanning le a phaisa luhchuah dan, an stock man din-fah ti bantuk cung lawngah aa hngat pah peng. Sihmanhsehlaw, November, 2016 ah tuahmi US President Election nih thil ka cuanhning tam ngai a ka thlen. A ruang cu President a tling lai, tiah a tlangpi in zumhlo deuh tukmi candidate, Donald Trump, nih US President todan a co tikah thil sining a hninhsaihmi a tam hringhran.
Chikkhatte cu technological companies poahpoah an stock man a tla dih. Campaign a tuah lio ah "tax an pe lo," tiin a soisel lengmangmi Amazon.com le FBI nih meithal in mi tampi a thattu pa Iphone tawh on piak dingin nawl an pekmi a zul duh lomi, Apple Inc ti bantuk vawleicung companies ngan bikbik pawl cu an stock/share man an tla lulh. Anmah nakin fak deuh tukin sukkhaknak a tongmi an um rih. Cucu, Mexico ram ah hram a bunhmi companies pawl an si. "President ka tlin ahcun Mexico he kan ramri ah vampang ka sak hlei ah NAFTA hnatlaknak zong ka hrawk lai," tiah aa hrocer tuk tikah Mexico phaisa (Peso) le Mexico hrambunh companies pawl stock man cu fak piin an man a zor. Mexico companies pawl lakah fak khun in a sukdenmi cu khualtlawnnak (travel/transportation industry) a si.
Mexico ah hram a bunh nain US Stock Exchange ah an share/stock a zuarmi companies pawl cu ceprep deuh in an sining hlathlainak ka tuah colh hna i "Watch List" ah ka chiah lulh hna. Sihmanhsehlaw, pakhat taktak hmanh ka caw thai lo. A ruang cu an share man tla deuh ko rih hna seh, tiin ka kutpi sau tuk kaa dawp sual. Cun, phaisa kan rak phumnak companies tamdeuh kha technological companies deuh an rak si fawn tikah a buaktlak in an stock man a tlak lio a si i van zuar dingah ka siang pah fawn hna lo. Cash kan ngeih lo ngai lio a si hlei ah hnangam in caant'ha deuh ka hngahnak ah caan sunglawi kan tlohpi hna. President Trump nih campaign ah aa cerhor bantukin Mexico dantatnak caah zei pipa a tuah colh lem lo tikah "Watch List" ah kaa chiahmi Mexico companies pawl cu atu ahcun an man van an tawng dih cang. Ka rak ngiat lio nakin alet hnih hrawng in an kai cang i cawk dingah a hlawk dingin ka hmu ti hna lo.
Kum 2016 US President thimnak thil sining le atutiang President Trump a cawlcanghning nih fim pakhat a ka chimhmi a um rua dah ka ti. Ruahlo piin thil a cangmi nih a chuahpi dingmi caant'ha caah ralring in kan account ah cash tamdeuh chiah khawh kaa zuam cang.
Amazon Effect
Chawlehnak kong a theihngalmi mifim le phaisa phumtu tampi nih Amazon.com hi $1 trillion man company a si chom lai, tiah an zumh dih. A ruang cu US e-commerce dihlak i 40% renglo hi Amazon nih a chilh hlei ah cloud computing vawlei ah Amazon Web Services (AWS) cu siangpahrang a si (Netflix nih an video lengluang an thlahnak (streaming) khi AWS a si, NASA le CIA tepawl zongnih an hman). Artificial Intelligence (AI) zongah Amazon Echo (Alexa) hmangin hmai an suang ngaingai fawn.
Phaisa phumtu tampi nih Amazon an duh khunnak cu atu an sining ah dinh aa timmi phun an si lo. Thil thar phunkip serchuah le thil hlun kenkip siamremh an i tim i an cawlcanghning hi an rang tuk hringhran. Amazon nih tukum ah biatak tein thlen-remh an timhmi cu grocery market (super market) a si. August thla ah $13.7 billion in Whole Foods an cawk tikah US retail market sining a hnih dih cikcek. Walmart le Target telhin US Grocery companies vialte cu an stock man an t'um dih. Whole Foods he an riant'uan dan aa lo ngaimi, Kroger Inc hi an stock man tlak dan a fak khun. Ni khat-hnih chungah share khat ah $26 in $21 hrawnghrang tiang a tla. Felfai deuhin thil sining ka cuanh i Kroger dirhmun (financial statements) zoh in ka tuaktan tikah phaisa phumtu hna (investment community) nih a tlangpi in mah thil kongah an ruahning hi a dik lai lo, ka ti. Amazon cu a ropui tukmi company a si ko hmanhah US, Canada le UK ram ah dawr (store) 550 renglo deuh lawng a ngeimi Whole Foods hmangin Grocery Market a chilh khawhnak lam a um lo. US ah dawr 2800 renglo a ngeimi Kroger ti bantuk nih chikkhat te ah sunghzatlaknak an ton khawhnak ding lam a sertu thil a si kho lo, tiah ka ruah i kan cash ngeihmi dihlak nawn in Kroger share ka cawk.
President Trump nih Mexico phihhrennak tuah colh ding phun in mi tampi nih an rak ruahmi cu a taktak ah zei ngaingai a can colh lo bantukin Kroger zong cu Amazon nih fak piin hna a hnawh kho colh ve lo. Naite ah October (2017) thla dih tiang, an riant'uanning report an pekmi zoh tikah an tluan ngaingai ko caah an share man cu rianrang ngai in kai lei a panh i kan phaisa phummi zong zeimawzat cu a karh manh ve. Trump (Mexico) Effect nih a ka cawnpiakmi hmangin Amazon Effect nih a chuahpimi caant'ha kan tlohpi ti hna lo, tiin kaa ruat.
Bitcoin
Naihrawng cu "Bitcoin" nih nitin in financial market a hninh camcin. Bitcoin timi maivan phaisa (digital currency) phunkhat cu phar khat (coin) ah USD 18000 dengmang bak a si caah tukum chungah 1600% renglo aman a kai. "Bitcoin" ahcun kan phaisa kan um ve maw? Kan phum lo. A ruang cu aman taktak (intrinsic value) ka tuaktan thiam lo hlei ah mizapi nih voikhat thathawhnak lungthin in an i cuhlulh ruangah ningcang lo piin aman a kaimi thil (asset) phunkhat ah ka ruah caah ka t'ih. Thil sining aa thlen tuk lo ahcun hmailei zongah ka cawk dingmi thil (asset) phun a si lo.
Kawlram (Laitlang)
"Kan semnak ram hi chawlehnak ah aa thlen tuk lio a si caah phaisa phumnak caant'ha tampi a um i hmunkhat ah kan tuaht'i khawhmi thil pakhatkhat a um hlan cu nanmah pumpak si khawhning cio in rak cawlcang hna u," tiin ka rak chim lengmang cu nan theih dih ko. Tukum thal (May-June) caan ahkhan chungkhat cingla tlawn pah in hmunkhat ah kan tuaht'i khawh dingmi project pakhat helhnaih dingah Laitlang ka phan nain kutro in ka rak kir.
Laitlang hrambunh company pakhatkhat he hmunkhat ah USD 2-3 million dih in kum thum chungah Halkha ah "Shopping Center & Hotel" sak dingin plan kan ngeihnak kong cu Nay Pyi Daw ah Vice President Van Thio sin ah ka va chimh i vawlei ka va hal. A ruang cu kum 2016 Laitlang a tlawn lio ah Halkha khuanu khuapa nih "ramkawmh cozah nih Halkha ah Shopping Mall sakpiak dingin an halmi kongah bialehnak a tuahmi hna kha thil sining aa tonthiam ahcun kan caah caanrem a si t'heo lai" tiah ka va tonnak a si. "Mah bantuk thil hi cu saknak ding caah a hmunhma ti bantuk tuaktanmi nan ngeih hnu ah thawng van ka thanh t'han te ulaw," a rak timi bia nihkhan ka hnabei a ka seiter. Ka nulepa le ka nau hniang he kan va kal caah tlamtling ngai in ka van ton khawhnak a si.
Vice President nih fianghlang deuh in kan itinhmi project kong a ka hal sual ahcun tlamtling tein hmuhsak khawhnak dingah timhcia in laptop le powerpoint (file) kaa ken. A tlangpi in chimhruah ka timhmi cu a tanglei bantuk hin a si.
Manlo in asiloah man deng deuhin cozah nih hmunhma rem nan kan pek duh ahcun dot nga in kan sak lai i a tangcem dot ah eidin dawr, sii dawr le bank (grocery & eateries, pharmacy and mini bank), dot hnihnak-thumnak ah thil puan dawr, dot linak-nganak ah zaanriahnak (hotel) le conference rooms, tiin ropui ngai in kan t'hen lai. Grocery le hotel lawng hi kanmah nih Laitlang hrambunh company (local partner) pakhatkhat he i bawm in kan tawlrel lai i a tangmi poah cu dawr tuah duhtu sin ah (voihfung zuh system in) kan hlanh (zuarh) hna hnga. Ti le mei a t'hat koko ahcun international standard bakin kan tuah lai i customer service t'ha te he man dengin thil kan zuar lai caah Halkha khuasa mipi nih hlawknak tampi an hmuhnak hlei ah ngandamnak lei zongah t'hathnemnak zeimawzat a chuahpi lai. Rian ngeilo mino caah rian tampi kan ser hlei ah CCC, Halkha College le GTI ti bantuk ah fimnak a cawng liomi sianghngakchia pawl kha part-time rian le internships hmunhma zeimawzat kan serpiak hna lai. Cun, Laitlang cozah sin ah dingfel tein ngunkhuai kan pek lai i Corporate Social Responsibilities (CSR) zongah teimak chuah in zatlang t'hanchonak rian ah a lamkip in teltum kan i zuam lai.
Keimah lei cun kaa timtuah sek ko nain a taktak ah tampi biachim awk a t'ha lo. Zeicatiah, biahram ka van domh lecangka in "shopping center saknak ding hmunhma cu midang kan pek cang hna" a ti colh. "Atu Pian-Cia-Zi zung khi an t'heh lai i a hmun ahkhin kan pekmi company nih shopping center an sak lai i hmunhma kan pekmi company nih Pian-cia-zi zung cu hmun dangah an sakpiak hna lai, mah hi kong he pehtlai in ramkomh Pian-Cia-Zi vuanci (minister) hi Halkha ah voithum a tlung cang ee," tiah a bia a peh. "Aw, a si maw, cozah nih sa loin company pakhatkhat nih an tawlrel ahcun a t'ha ngai ko lai cuh, Halkha khuanu-khuapa nih an in hal lio te khan shopping center cu cozah nih biatak tein tawlrel ding ahcun aa hoihhah lo tuk lai, tiin ka ruah caah ruahchannak he kan halnak a si" tiah ka leh ve. An pek cangmi company cu zei bantuk company dah a si, timi zong ka hal thai ti lo.
Kan chimh lengmang hna bantuk khan atulio Laitlang dirhmun ka cuanh tikah phaisa thazaang tamtuk a ngei lem lomi kanmah bantuk nih ramdang in biatak deuhin phaisa van phumhnawh ding ahcun retail (thil-zuar) lawnglawng hi ka mit a thi. Ramdang ah kan hmuhmi thil-zuar dan bantukin inn pakhat chungah ningcang te le thianghlim tein thil zuarnak tuah i amah inncung dot lila in Halkha le Laitlang aa dawhnak cuanhnak ah aa tlakmi hmun ah hotel le conference rum ser khawh ahcun a hlawk hrimhrim ko lai dah ka ti. Sihmanhsehlaw, Vice President nih khualai ah company dang hmunhma kan pek cang hna a ti hnu cun kan project cu ka ngol (cancel) colh. A ruang cu Halkha ah ka chimmi bantuk hmunhnih a um dingin aa tlak ah ka ruat lo. A milu le thil an cawk khawhnak thazaang (purchasing power) nih a tlinh lai lo, ka ti. Cun, vawlei man a fah tuk hringhran caah acozah nih hmunhma a pekmi company kha kanmah nih hmunhma kan vai kawl chom buin kan zuamcawh tikah kan tei khawhnak ding lam (chance) a tlawm hringhran. Cucaah, pehzulh dingin kan timhtuahpi ti hna lo.
Laitlang ka caam chungah thil sining cuan in hmunkhat ah kan tuah khawh dingmi thil ka kawl len ko nain ka hmuhmi a um lo. Kan ram cu Dimawkresi ah aa thleng cuahmah cang ti a si ko nain ningcang (systematic) tein thil a kalmi a tlawmtuk rih tikah kan mipum in kan vehvat khawh leklek tung lo ding ahcun a langtlang in riant'uannak dingah a harsa ngai rih dingin ka hmu. Cun, ziknawh a tamtuk hlei ah kan ram hruaitu upa cheukhat nih Kawl mirum (companies) papek deuhnak lungthin an ngeih ngaingai fawn tikah ngaih a chia ngaingai. Sihmanhsehlaw, Laitlang khuasa chungkhat he bi tein hmunkhat ah riant'uant'i ahcun hlawknak tete a um ko lai, tiah ka zumh t'hiamt'hiam. Nanmah pumpak cio in nan chungkhat he nan cawlcanghmi thil cio kha cu t'hachia loin hmainawr ko u, tiah kan forh duh hna.
Portfolio Update
Kan account statement ah nan hmuh bantukin kum 2017 cu kan t'hancho bik kum a si. A ruang cu an stock kan ngeihmi company lian pipi, Apple Inc, Walmart Inc le Alibaba ti bantuk pawl hi ruahning lengin an t'hangcho tuk. Alet dengmang in an man a kaimi an um pah len. An sining taktak lengin an stock man a kai rua, tiah ka ruahmi companies cheukhat cu ka zuarmi hna zong kha kan account ah nan hmuh ko lai. Companies fa deuh tete kan ngeihmi chungin an sining aa thleng lem lomi an um pahmi zong hi a phung a si ko. Hmaikum lei zongah company fa deuh tete hi a tlangpi in ka chapcuan deuh te men lai.
Nai cikua cu caant'ha a um caan ah rianrang in cawlcang kho dingin a phaisa fang in zeimawzat ka chiah hramhram t'heo. Trump nih US President a t'uan chung cu atu kan kalning hi thlen kaa tim lo. A ruang cu ruahlo piin voikhat a tweet (twitter) mi nih financial market a hninhsaih lengmang tawn i caant'ha a um tawn. Stock market rengreng hi a tlangpi in a tluan tuk lio a si tikah kanmah bantuk value investor caah man dengmi stock a tlawm lio a si hlei ah market cu ruahlo in sukkhaknak a um kho pengmi a si fawn caah phaisa fang in zeimawzat i chiah hi strategy t'ha a si ko, tiah ka ruah.
Bia tlangkawm
Kan account statement he report kan pek tawn hna ah ka riant'uanning nan hmuhmi nih voi tampi cu siarem loin an chiah caan hna a um ko lai. A huappi in a cangmi thil pakhatkhat kong ah siseh, company pakhatkhat kong ah siseh, mizapi nih an cohlanmi thil sining he aa kalh in kan cawlcanghpi lengmang hna. Mi tamdeuh nih an pommi thil kalning/sining poah hi a dikmi ah ruah a fawite. Nain, zapi-zaran nih an ruahning kalhin khua a cuan kho i thil dik cungah ralt'ha tein an thazaang le phaisa a phum ngamtu hi a thlawhtlingmi an si tawn. Cu bantuk minung si ding cu kan i zuam cuahmahmi a si ve. Rethei le harsa tukin kan kawlmi chawva tlawmte hmang in a cawlcangmi kan si tikah caan tampi cu mizapi ruahning kalhin khuakhan hi khing a rit hringhran. Nain, zaran kalning hoih in kalpi ve ding salam ahcun kan phaisa piakhat zong ka siang hnga lo.
Kum thum chung dengmang kan kalnak ah fek tein nan ka dirkamh caah kaa lawm. Pathian nih kan tuahmi thil ah an kan umpi i atutiang cu hlawhtlinnak kan hmu. Hmailei zongah amah nih lam an kan hruai lai i kan lam a tluang ko lai, tiah kaa ruahchan.
Hmai kum le hmai thla cu chim loin thaizing nih a ratpi dingmi thil hmanh theih khawhmi ka ngei lo. Sihmanhsehlaw, zumhnak in ka kut chungah nan chiahmi, harsa ngai in nan kawl hnu ah nan hmuhmi phaisa cu aa thleng lengmangmi caan le vawlei thil sining lakah a t'ha bikin tawlrel khawh kaa zuam peng ko lai, tiah bia kan kamh hna. Pathian nih lam kan hruai cio hram seh.
Merry Christmas and Happy New Year to you all..!!!
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