i-16.00- Investment journey step-by-step

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 Perfect! Let's begin your investment journey step-by-step — designed especially for Cambodian beginners 🇰🇭, in both Khmer and English.

📍 Step 1: Saving and Preparing to Invest

✅ English:

Before you invest, you need to save money regularly. This is the money that will grow in the future.
Here’s what you should do:

  1. Set a monthly savings goal ($50, $100, or more).
  2. Open a safe bank account.
  3. Track your expenses and cut unnecessary spending.
  4. Start an emergency fund (3–6 months of your daily expenses).

🇰🇭 Khmer:

មុនពេលដែលអ្នកចាប់ផ្តើមវិនិយោគ អ្នកត្រូវអាប់សន្សំប្រាក់ជាទៀងទាត់។ ប្រាក់នេះជាប្រាក់ដែលនឹងរីកចម្រើននៅពេលអនាគត។
អ្វីដែលអ្នកគួរធ្វើ៖
១. កំណត់គោលដៅសន្សំប្រាក់ប្រចាំខែ (ដូចជា $50, $100 ឬច្រើនជាងនេះ)
២. បើកគណនីធនាគារដែលមានសុវត្ថិភាព
៣. តាមដានការចំណាយរបស់អ្នក និងកាត់បន្ថយការចំណាយមិនចាំបាច់
៤. ចាប់ផ្ដើមបង្កើតប្រាក់បម្រុងក្នុងករណីអាសន្ន (3–6 ខែនៃចំណាយប្រចាំថ្ងៃ)

Would you like to continue to Step 2: Understanding Passive Income and Dividends next?

Yes

 

Great! Let’s move to Step 2: Understanding Passive Income and Dividends — explained simply in both English and Khmer 🇰🇭.

📍 Step 2: Understanding Passive Income and Dividends

✅ English:

Passive income is money you earn without working every day. It keeps coming in while you sleep.

One type of passive income is dividends — money paid to you by companies when you own their stocks (shares).

📘 Example:

  • You buy a stock for $100.
  • That company gives you $4 per year in dividends.
  • You still own the stock and get money yearly — this is passive income.

✅ Why it’s good:

  • It grows slowly but safely.
  • You can reinvest dividends to buy more stocks.
  • It helps you build wealth over time.

🇰🇭 Khmer:

Passive income (ប្រាក់ចំណូលសកម្មភាពទាប) មានន័យថា ប្រាក់ដែលអ្នករកបានដោយមិនចាំបាច់ធ្វើការរាល់ថ្ងៃ។ ប្រាក់នេះអាចចូលមកទោះបីជាអ្នកកំពុងដេកផងដែរ។

មួយប្រភេទនៃប្រាក់ចំណូលនេះគឺ dividends (ប្រាក់ចំណេញចែកជូន) — ប្រាក់ដែលក្រុមហ៊ុនបង់ឲ្យអ្នកពេលអ្នកកាន់ស្តុក (ភាគហ៊ុន) របស់ពួកគេ។

🪙 ឧទាហរណ៍៖

  • អ្នកទិញភាគហ៊ុនមួយក្នុងតម្លៃ $100
  • ក្រុមហ៊ុននោះបង់ $4 ក្នុងមួយឆ្នាំជាប្រាក់ចំណេញចែកជូន
  • អ្នកកាន់ភាគហ៊ុនដដែល ហើយ ទទួលបានប្រាក់ជារៀងរាល់ឆ្នាំ — នេះហើយហៅថា Passive income

✅ ហេតុអ្វីវាល្អ:

  • វាកើនឡើងយឺតៗ តែមានសុវត្ថិភាព
  • អ្នកអាចយកប្រាក់ចំណេញនេះទៅទិញភាគហ៊ុនបន្ថែម
  • វជួយឲ្យអ្នកសន្សំទ្រព្យសម្បត្តិបានក្នុងរយៈពេលវែង

Next up is Step 3: Understanding ETFs (Exchange-Traded Funds) — a great choice for beginners.
Would you like to continue to that now? ✅📈

 

 

Here’s a simple ETF Review Checklist you can use before investing — great for beginners and helpful every time you compare funds:

✅ ETF Review Checklist (Before You Buy)

🗂️ 1. Basic Info

  • ETF Name: ___________________________
  • Ticker Symbol (ex: VTI, VXUS): _________
  • Price per Share: $_________

📊 2. Performance

  • 1-Year Return: _______%
  • 5-Year Return: _______%
  • 10-Year Return: _______%
  • Compared to benchmark (S&P 500 or others): ☐ Better ☐ Worse ☐ Similar

💰 3. Dividends

  • Dividend Yield: _______%
  • ☐ Pays dividends regularly (monthly, quarterly)
  • ☐ Dividend growth over time?

💼 4. Fund Strategy & Holdings

  • ☐ What index does it follow? ___________________
  • ☐ Type of assets (Stocks? Bonds? Mix?) ___________
  • ☐ How many companies/assets inside? ___________
  • ☐ Focus: ☐ US ☐ Global ☐ Emerging markets ☐ Sector-specific

💸 5. Costs

  • Expense Ratio: _______%
  • ☐ Any commission or trading fees?

📉 6. Risk Level

  • ☐ Low (e.g., Treasury ETFs, bonds)
  • ☐ Medium (e.g., total market ETFs)
  • ☐ High (e.g., sector ETFs, emerging markets)

🎯 7. Goal Match

  • ☐ Long-term growth
  • ☐ Monthly/Quarterly income
  • ☐ Diversification
  • ☐ Capital preservation
  • ☐ Fits well with my other investments

🧠 Notes / Final Thoughts:

Would you like this checklist as a printable PDF or in Excel format to track multiple ETFs? 

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