සිරා කතාව ! ඇස්වහ ටිකක් පුච්චගන්න ! දැන් "ධනය" තියෙනවනම්, "බලය" රැස් කරන්න !
බලය නම් නැතුවත් බෑ වගේ තමයි බං. ඒත් තිබුනාම ඊට වඩා ප්රශ්න.
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මූල්යම උපදෙසක් දීපල්ලකො!
- Thread starter Kolama
- Start date
බලය නම් නැතුවත් බෑ වගේ තමයි බං. ඒත් තිබුනාම ඊට වඩා ප්රශ්න.
ඔය වගේ ලොකු ලොකු බර පන්ති යතේ ප්රශ්න වලට අවම වශයෙන් 500 කෑල්ලක් වත් ඔතන්නේ නැතුව නම් අමාරුයි!! මොකද උපදෙස් උනත් බර පන්තියෙන් ගලා ගලා එන්න ඔනි......... 
Machan, parking money is an actual issue these days (for people who have savings), not only in SL (Rupees) but even in other economies. I understand that the issue is even worse with a currency like SLR which is prone to depreciate more.
Think about: 1.) short term, 2.) medium term and 3.) long term
For 2.) and 3.) try to find a stockbroker where you can buy stocks from U.S stock exchange. I am not sure how to do this from SL, but if you have way to transfer dollars into the stockbroker account, this should be doable. This looks like one example: https://www.ustocktrade.com/lk/ . Their trades are cheap at $1 per trade (if that is the actual charge), but $5 a month fee is high. Another list of brokers here : https://comparebrokers.co/compare/sri-lanka-brokers/.
Once you have a broker account, the most convenient and a low risk option is to buy ETFs (Exchange Traded Funds). For example the following is tracking the S&P 500 index (top 500 companies in the US) : https://investor.vanguard.com/etf/profile/overview/voo . These popular ETFs are quite large (this one is almost 740 Billion in net assets) and have high liquidity (e.g. can sell anytime).
Again, ETF`s are good for medium to long term, they may not have quick returns as some small cap stocks. ETF`s do have distributions (which is dividends returned by all companies bought under the ETF minus any operating fees, distributed to all holders of the ETF).
From 2010 to 2020 as an example, the S&P 500 index have an annual return of 13.6%. which is not massive, but enough to beat inflation and have some extra return on your investment.
Think about: 1.) short term, 2.) medium term and 3.) long term
For 2.) and 3.) try to find a stockbroker where you can buy stocks from U.S stock exchange. I am not sure how to do this from SL, but if you have way to transfer dollars into the stockbroker account, this should be doable. This looks like one example: https://www.ustocktrade.com/lk/ . Their trades are cheap at $1 per trade (if that is the actual charge), but $5 a month fee is high. Another list of brokers here : https://comparebrokers.co/compare/sri-lanka-brokers/.
Once you have a broker account, the most convenient and a low risk option is to buy ETFs (Exchange Traded Funds). For example the following is tracking the S&P 500 index (top 500 companies in the US) : https://investor.vanguard.com/etf/profile/overview/voo . These popular ETFs are quite large (this one is almost 740 Billion in net assets) and have high liquidity (e.g. can sell anytime).
Again, ETF`s are good for medium to long term, they may not have quick returns as some small cap stocks. ETF`s do have distributions (which is dividends returned by all companies bought under the ETF minus any operating fees, distributed to all holders of the ETF).
From 2010 to 2020 as an example, the S&P 500 index have an annual return of 13.6%. which is not massive, but enough to beat inflation and have some extra return on your investment.
කොටි ගණන් එකවුන්ට් වල තියන් අයි බන් ෆ්රී ඈඩ්වයිස් පතන්නේ
Prof walata payoneer transaction / Salli deposit wena bank eke statements athi veweida?
18,000,000 / 30 = 600,000
Ubage mase wiyadama 600,000 k da bn ?....uba maseta keeayk hoyanawada ?
Fixed වල පොලිය අඩුයි තමයි. 4-5% අතර , එත් වෙන scam වලට අහු නොවී 4-5% ක වර්ධනයක් ගන්න එකත් වටිනවා.
උබ ගාව ලක්ෂ 1000ක් තියෙනවා. (ගණනය කරන්න ලෙහෙසියට මම මෙහෙම දැම්මේ )
රටේ උද්ගමනය 8% යි (ඒ වගේ ගානක් ඇති ලංකාවේ, එකියන්නේ 8%කින් අපේ මුදල් අවරුද්දකට අවපරමනය වෙනවා.
ඒ කියන්නේ අද ලක්ෂ 1000 ලබන අව්රුද්දෙ වටින්නේ ලක්ෂ 920ක් විතර (අපිගාව ලක්ෂ 1000ම මුදල් තිබ්බත්)
අපිට Fixed ගිණුමක 8% ලැබුනොත් ඔන්න ඒ කියන්නේ අපේ උද්ගමනය fixed එකේ පොලියෙන් කැපිලා යනවා.
එත් දැන් ලැබෙන්නේ 4% යි අවාසනාවට.
උබ ගාව ලක්ෂ 1000ක් තියෙනවා. (ගණනය කරන්න ලෙහෙසියට මම මෙහෙම දැම්මේ )
රටේ උද්ගමනය 8% යි (ඒ වගේ ගානක් ඇති ලංකාවේ, එකියන්නේ 8%කින් අපේ මුදල් අවරුද්දකට අවපරමනය වෙනවා.
ඒ කියන්නේ අද ලක්ෂ 1000 ලබන අව්රුද්දෙ වටින්නේ ලක්ෂ 920ක් විතර (අපිගාව ලක්ෂ 1000ම මුදල් තිබ්බත්)
අපිට Fixed ගිණුමක 8% ලැබුනොත් ඔන්න ඒ කියන්නේ අපේ උද්ගමනය fixed එකේ පොලියෙන් කැපිලා යනවා.
එත් දැන් ලැබෙන්නේ 4% යි අවාසනාවට.
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If you don't need this money for at least until the next 5 years, the best options are to
1. Buy a residential ready land. Look for the highway network and select something which is not so close, but also not so far. All the lands right next to the highways are already appreciated, but you can find good deals if you consider lands within a few KMs radius.
2. Buy shares of solid export-oriented companies. Even if Sri Lanka fails, these companies will continue to export and earn USD.
3. Put the rest in money market funds, and yearly FDs. Rates cannot continue like this, they will slowly go up again.
1. Buy a residential ready land. Look for the highway network and select something which is not so close, but also not so far. All the lands right next to the highways are already appreciated, but you can find good deals if you consider lands within a few KMs radius.
2. Buy shares of solid export-oriented companies. Even if Sri Lanka fails, these companies will continue to export and earn USD.
3. Put the rest in money market funds, and yearly FDs. Rates cannot continue like this, they will slowly go up again.
oh is it? I have no idea about using an international broker from SL. What about the dollars he`s already got, should be able use those to buy international shares right? Current monitory policy wont allow that either?
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