Mizoram ah Insurance agents anga thawk hi kan awm ve ta nual in a hriata, mahse an practice dan ah hian a nih dan tur nilo a awm nual in alang. chungte chu:
1.Insurance scheme an hralh theih nana a return an sawi lawk zuah zuah ang
chi hi.
2.Kum 3 ah a leta pung tih zawng deuh te hian an hralh thin in ka hria, a diklo
hulhual.
3. An sum dahna hi market ani miau a, tu sawi lawk theih a nilo. An thil zawrh
(Insurance scheme)an hralh theih nana an return neih that ber lai an
tawktarh che hian hriatthiam chin nei rawh. ( Silchar ah tomato i kharchhawng thina, I hlawk ber laia i sum hmuh kha hrilhin “ti ve rawh u, chumi zat chu in hmu let dawn si a” tih ang vel a ni)
4.Tin, return hi an sawi satliah nge an promise chiah ka hre lova, a pahnih
hian a nih dan tur a nilo ve ve.
5.Claim hunah pawh agents te mawhphurhna tho a ni, claim an buaipui sak
ngai emaw?
6. Kum 3 ah a leta pung antia, kum 2007 leh 2008 vela lei te khan in dinhmun
chiah han check ula, in hre maiin a rinawm.
7.Insurance hi mi tamtak in hlawk tum nana hman an tum thinin ka hria, heihi
hriatthiam tawk loh vang a ni. Engemaw vanduai thilthu a inven nan chauha
hman a ni. Sharing of Loss anlo ti thin reng a ni. Pakhatin a lost chuan
midang pawn an tuar vek (Premium a sang sawt). Heti zawng hian a chiang
deuh ang.
8.ULIP an zuar tlangpui, investment hmanrua atana an chelek ber ni pawn a
lang. ULIP mamawh tute hi, sawrkar hnathawk nilo (insurance neisa nilo)
ten Insurance leh Investment ni kawp an leina atana duan a ni. Aman pawh
a to phah hle hemi avang hian. Insurane hi i mamawh tel kher loh chuan a
lo tlawna sum sen na mai a ni. Vanduaina i tawh erawh chuan i hlawk thut
thei ma’rawhchu tunge vanduaina hi sum hmuh nana hmang duh awm ang
le??. Dam leh hrisel hi a hlu ber miau a.
9.Mizo te hi a tute pawh hian min bum suau suau ni berin alang. In hrilh hriat
a hun ve tawh takzet.
.
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June 9th, 2009 at 12:09 am
Kei pawh LIC agent in kum 3 ah a leta pung thei tiin min zawrh. Duhleh lo pung ve mai mai rawh se, kei chuan old traditional insurance scheme ka duh zawk.
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June 9th, 2009 at 5:57 am
No 9 khi dik ka ti khawp mai, Mizo te hi an bum an bum reng mai anih hi, vaiho leh an agent mizo ten. Dictionary tih vel, map bu tih te, zuar a vak vak thin ho te hi Mi an BUM nasa ania, thingtlangah an kala Nu leh pa vengva vaklo hnenah Hei kan Company in In khua school a class pakhat a top 10 thiam thei zual hi kan thlanga Rs 500 in pe anga chuan kumtin lehkhabu a free in kan supply ang che u an tia, Map bu nge dictionary bu pakhat an pe a receipt nen. An lehkhabu manto uchuak taka hralh an ni lek sia. Zirlaibu a free a supply te chu khawi lamah. An hre zui leh tawh ngai lo reng reng.
Mizoram Chanchinbu te hian hetiang thil thleng hai chhuah te hi an hna leh tih tur pawh ani ve, investigate a mipui awareness neih tir te pawh an tih tur ani, mahse sum senga journalist ruaia investigate vel ai chuan Internet a article leh news copy a Mancvhester United chanchin te, Beckham an a kuttin a hnawih dum tihvel chhuah mai mai kha a awlsam zawk rih ni awm tak ani. State of Play tih film chhuak thar hi K Sapdanga te khan en ve se Journalism awmzia hi in zir ve teh se.
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June 9th, 2009 at 6:16 am
Nia, Bajaj Relianze pawhin, “Kum 3-ah a letin,” tiin min zawrh a. Kan han awih ngei a. Keimahni zawk hi kan inring lo zawk lek lek tawh mai maw le! Ram danga awm bawk si chuan a buaithlak duh viau, chanchin a reh vang vang mai si a; chanchin ka lo chhiar ve trhin lah CHIAHPUAM tih aduang a ni bawk si, Tlanghmingthanga leh Bajaj tih vei chhen nen —kan phone number an kawl reng tho va; mahse, engmah chanchin ningkhawng min hrilh ngai bawk si lo va, rin tur an ni nge —rin loh tur pawh hriatthiam an harsa tawh viau! Trawngkam an thiam rura bawk si! Kan la ringngam a ni chek ang chu, fixed deposit miau hek si ale!
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June 9th, 2009 at 7:43 am
Insurance hi LIC tih ho hi chu kan hriatna a rei hle tawh. mahse tuna aggressive taka marketting hi chu tunhnai Indian Govt in global insurance Co te loluh a phal vang hi a ni, kan tihtranna a la rei lova kan fing chho ve mai ang.
Min zawrhtu hi ka hmu malh malh hle a, Lily sawi ang hi chuan tuman min approach lo
an Co site min hrilh a ka browse nghal anih loh chuan an Co fakna folder min pe a min hrilhfiah a an performance thatdan te min hrilhfiah a, risk factor te min hrilh bawka, zawhna ka zawhte trha takin min chhang.
Trhalai self employment a create nasa, in leh lo din thei te poh an awm. Engpohnise fimkhur trul thu hi chu sawi ila, agent naupang te te kan discourage palh ange
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June 9th, 2009 at 7:54 am
Bajaj Allianz agent pakhat chu customer a hmu tha tawklo deuh nge ni a lo kal zing khawp mai. Mahse ka buaipui lem hlei lo va. Min zawrh apiangin a paper xerox a rawn phawrh chhuak a, “20% in a pung”, tih ang reng te, “hei chu company dang aiin kan rate a sang zawk daih” tih ang reng te a rawn sawi thin. Chik lutuk leh dil chhut takin thil han zawt ila, hriat loh a ngah ve tho avangin a buai tlat thin. A phek a keu nuap nuap a, “ka lo en chiang ang e” a tih te pawh a awm nawk. A sawi tam ber chu “A pung a tha” tih a ni thin.
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June 9th, 2009 at 10:07 am
17 March 2006 khan Bajaj Allianz UNIT GAIN ka lei a, Guwahati atangin (Aizawl a rawn luh hma)hei tunah Kum 3 chu a pumhlum tawh a, Dt 5-6-2009 a market close na BSE Sensex 15103 ah pawh khan tuna ka fund value hian kum
kum 4 hmel a hmu ve ta der mai, Duh hun hunah a surrender theih tawh mahse tunah tak hian surrender i lang chuan 30% vel chu loss. Comission duh vanga “Kum thum ah a bin” ti a huai taka zawrh ringawt hi a dik lo lutuk.
3 chhung Premium ka pek belh khawm kha a la phak lo
Hemi vang hian ULIP hi a tha lo ka tih na a ni lo a nia, tha ka ti lutuk ringawt mahse mahni mamawh anga a lei thiam a ngai hle a ni.
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June 9th, 2009 at 11:47 am
Insurance lei dawn chuan – Term Insurance policy lei hi a tha, ULIP hi chu risk a sang mai bak ah, entry load a sang, 8% to 9% administrative charge leh commission charge vel atang in I loss nghal pang, kum 2 -3 vel ah chuan a tam ber ah 10% to 20% in a pung thei.
Invest law law dawn chuan – Mutual fund a invest hi a tha ber -2%-3% emaw ai hniam pawh loading charge atan an la a, a tha leh zual.
Phai ram a awm te chuan kum 3 invest hi tax saving scheme atan kan mamwh avang hian kan invest a ni mai a, Mizoram a awm te tan chuan Mutual fund ah pawh Systematic Investment Plan (SIP) hi a tha khawp ang, thla tin Rs 1,000 lek emaw ai tam pawh a invest theih a, chuan a lock in period kha a awm bawk si lova, duh hun hun ah a lak chhuah leh theih.
Tlem a risk la huai lo deuh tan chuan Post Office saving scheme leh Fixed deposit ah sum dah mai tur, 8% to 12% interest a beisei theih ang.
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June 9th, 2009 at 12:14 pm
ka lo zawt lawk teh ang che u, SBI Life hian tunah hian an plan thenkhat ah hian a minimum, market hniam lai ber pawh in 20% interest per annum an ti a, hei hi thil theih ani em? bajaj alliance ho hian ka hriat sual loh chuan 50% per annum an promise a, hei hi chu kei mimawl pawhhian thil theih a niin ka hre lo. Min han hrilh fing teh u.
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June 9th, 2009 at 1:08 pm
Misual.com ka bih tam tulh tulh a, ka fing tulh tulh dawn tlat mai.
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June 9th, 2009 at 1:19 pm
@mzvision: Ka thlawp che! Youth Employment a hawn sak! Discourage chi chu a ni lo! Fimkhur a tulna erawh han campaign tak tak teh u!
@maawma: I ti tha e, hetiang experience share hian mi a ti fing! Science chu a tiha tih a ni tih ang deuh khan kan hriat dan mai ni lo a tih a ti te khan han in phawrh u langin chuan a chiang sawt mai ang!
Kei chu LIC leh PLI policy khat ve ve ka lei a, ka buai lo khawp mai! Insurance a ni tihah khan ka chiang mai a. Returns kha chu ka buai rih lo, dam taka a mature kha ka nghak tawp! Kha kha a hlu ber. Sum tak tak aiin hmingthatna hi a thlanawm zawk an ti ni lawm ni! A pung zat tur pawh ka la chhut chuang miah lo!
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June 9th, 2009 at 1:23 pm
@ Xauz – Insurance agent ho hi ring lutuk suh, an thil tum ber chu insurance policy zawrh a, commision neih a ni. 20% to 50% chu tun Recession dinhmun ah hi chuan I hmu kher lovang. Invest I tum a nih chuan, I mamawh dan leh nang mah income neih dan in invest rawh. Long term leh short term investment goals te pawh neih a tha khawp,Insurance plan nen(Mahse ULIP chu ka recommend lem lo). Quick return ringawt I ngaihtuah chuan, an bum thlu der mai ang che.
Bajaj allianz chung chang ah, ULIP plan a nih chuan, stock market a tlak hniam chuan I invest na man ai pawh in I sum dah kha a tla hniam thei.ULIP Insurance i lei rau rau a nih pawh in high risk, medium risk leh low risk a awm a, fund kha a la switch kual theih, Market dinhmun a zir in.
Insurance lam hre chiang duh deuh tan, article hi lo en mai rawh u. https://miyzone.blogspot.com/20.....-as-i.html
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June 9th, 2009 at 1:27 pm
@Xauz
An Policy document (Brochure) ah 20% minimum return per year’ a inti em? Lo inti pawh nise market risk adjustment( return a chhiat thuta thaveng ti mai ang) kha an charge leh tho ang che.. Its all Business
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June 9th, 2009 at 1:32 pm
Lily: LIC ah hian endowment plan nge money back plan tha zawk ang? Khawngaih takin min han hrilhfiah teh. Term assurance pawh hi ka duh viau na a, ka thawhpui te chuan tumahin an ti ve si lo.
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June 9th, 2009 at 1:42 pm
caribau:
Endowment ah chuan Death Benefits leh Maturity Benefits i la ve2 thei(a khoi emaw zok2). Dauble Endowment ala awm leh, hetah pawh hian Matuity benefits kha a double i dam tluan chuan a policy term… ma’rawhchu death benefits chu angai reng.
money Back chu, after 5 yrs ah 5%, after 10 ah 10%.. 15% an pe thin ang che… Maturity benefits kha a policy terms chhungin ilo dawng tihna..
vanduaina i tawh(Death claim) pawn money back atanga an pek chhuah che kha an CUT lo.. I death benefits chu angai reng..
I thawhpui te lak ang chuah kha emni i lak don?
a chiang em?
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June 9th, 2009 at 1:42 pm
Kei mimawl kethiah bal hian Point No. 7 khi kan sawi ve mai mai teh ang.
Insurance hi Investment anga lantira, pawisa peipunna tak emaw min tih tir hi agent te hian an tum emaw chu ni aw ka lo ti deuh.
Insurance chu tih ngei ngei a thra, mahse Risk (Thih palh hlauh) chauh cover khan tih mai tur, Chumi ni lo, kan nunna etc kan insure na premium a pawisa peipun pah nan a hman chuan kan insure na premium a ti sang a, market thrat loh phei chuan chan duaina a ni, a thrat erawh chuan a hlawk ve tho. Chumi ai chuan Risk chauh cover na premium bak pawisa kan invest theih te kha hmun dang Risk tlemna ah invest ila, a thra ka ti zawk, risk huai lo tan.
SBI Life agent? pakhat a lo kal a, eng eng emaw a sawi nasa mai a, kei chuan Risk chauh cover na policy enge in neih ka ti a, a sawi thra duh lo, a process chhung a rei te a ti vel… I wish I could kick him out of my house.
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June 9th, 2009 at 2:01 pm
@kanidar a tawte ah pen sak tur che lom le
Insurance awmzia hrilhfiahna tha ber chu: Mizo ten YMA kaltlanga thihna kan inbuaipui dan hi.
Chhungkaw tinin kumtin thawhlawm(premium) kan pe a, chutah vanduai an awm chuan chumi te chuan kan thawhkhawm pawisa khan an vanduaina tawh te sum fai leh thildang in a cover ta veka.. Insurance company hi YMA ang anni ta a nih chu.
Tupawn vanduaina tawk thei kan ni theuha, chutah chuan kumtin pawisa kan thawh ve ta reng a ni.
YMA leh Insurance company danglam na chu.. mi pawisa thawhkhawm sa a pung um in hmun dangah anlo dahsak ve lo..
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June 9th, 2009 at 2:03 pm
Term assurance hi chu a tha ka ti. Risk a cover hneh lutuk. Sum assured a sang si, premium a hniam si. Mahse mature huna pawisa lak tur a awm ve lo hi a nuam chiah lo. Thian te’n kum 5 hnuah money back an la sap sap ang a, a mature hunah sum an hrawm tawk ang a, ka hrilh a hai awm, te ka ti mai mai. Endowment ah a man tlawm ber la ila, term assurance la tel bawk ila a tha ang em? Tunah kum 34 ka ni a. Khawngaih takin min lo advice teh.
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June 9th, 2009 at 2:04 pm
@caribou, Lily khian a chhang thiam khawp mai che a, mahse hmana ka sawi tawh kan sawi nawn leh mai mai, Money back etc chung chang khi.
LIC a Money Back Policy ah Rs 5 lacs for 15 years, kum 32 i nih laiin siam ta la, thlatin premium i pek tur chu Rs 3980/- vel a niang. Chuan kum 15 chhung i pek tur 3980X12X15 = 716400
I hmuh let tur, 20 % of insured amount every 4 years =100000X3 + 200000 + Bonus = Approx. Rs 800000.
Rs 5 lacs Risk(death) cover chauh kum 15 atan kum 32 i nih laiin siam la, monthly premium chu Rs 630 vel a niang, kum 15 chhunga i pek tur zat chu = 630X15X12=113400. Hmuh let tur = Nil.
Policy pahnih te a i premium difference Rs 3980-630 = 3350/- hi RD in khawi bankah pawh dah la, a interest 9.5 % pawhin kum 15 hnuah chuan
=A(1+i)^N + [(1+i)^N-1](P/i)
=Rs. 1324015 i hmu let ang.
Chuan moneyback policy a i hmuhlet tur paih la, 1324015-800000=1110615 i hlep daih thei a nih chuuuu.
NOTE: RD khi kum 15 tan a theih loh mai theih, 9.5% pawh khi a la ni em ka chiang lo. calculation khi pakla hisap tak meuh meuh a ni. Mahse agent te nen thu in, an ‘table’ keu meuhin han bih chhin ula, hlep tur chu khitiang zat vel (tlem hret or tam hret) a ni ang.
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June 9th, 2009 at 2:14 pm
@kanidar: Thank you.
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June 9th, 2009 at 2:17 pm
kanidar iva ril veee.. nangma idea-a i chhut chhuah nge mi hrilh che?…!!!
Khatianga chhut kha tih mak mawh a ni.. a hming ah pawh saving portion of premium an ti deuh kher thin.
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June 9th, 2009 at 2:21 pm
lily, kanidar dar ril zia man kan awm neih neuh vang a lawm, KFC (kanidar fan club) hman a hmanah kan lo din daih tawh ni!! i fin fin nen, i fing lo
Tunlai hetiang lama investment tih ka tum ve lai takin in rawn sawi neuh², timing khaaaaawp mai!
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June 9th, 2009 at 2:26 pm
@pi BMW
anih tak hi KFC intih hian eitur (arsa bawp) chiah ka lo ngaihtuah thina.. Entry free ani em? nge hmel ten a zir tel deuh angai ve ?
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June 9th, 2009 at 2:30 pm
@Lily, Amir Khan an Ghulam a a zaina Lata-in thiam a tih, Amir Khan lawm lutuk ang vel kha ka ni mai thei, Sai in fanghmir a chawi vu chuan fanghmir tan a bak enge awm?
Ni e, LIC agent hnen atangin Premium zah vel khi ka zawt a, SBI ah RD vel ka zawt leh a, chuta tanga kei mimawlin ka chhut ve mai mai a ni. Dik hlel deuh a awm ka ring na chu, a hlep a in thlau tihah kha chuan ka chiang, Risk cover tho siin.
@bmw hi kan self-appointed leader a nia, Follow the leader ang deuh khan a sawi ang ang hi a ni mai
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June 9th, 2009 at 2:34 pm
Pi black-i hming thar chu Tar Modern-i maw?
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June 9th, 2009 at 2:39 pm
@Lily and Kanidar: personal life lama in luh tak tak hmain ka comment no 17 khi min han chhang lawk teh u.
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June 9th, 2009 at 2:40 pm
caribau ngatinge khitiang comment box ah te i chhut….!!
ka ron mail ang che.. ti tawh suh
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June 9th, 2009 at 2:45 pm
Lulian, nia mawle..wonderan duh taka min phuahsak a nia sia..lawm takin ka pawm hmiah mai! Live ngeia min hmu tawh in ‘tar-i’ min tih tlat danah hian ka tar tawh hmel
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June 9th, 2009 at 2:46 pm
@Lily: Ka lawm e.
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June 9th, 2009 at 2:56 pm
@caribau, misual financial expert no.1 @Lily-n a rawn mail dawn tho che khi a, bakah advice pe tur ang chuan detail a thil inhrilh a thra.
A nungchunga la hmu lo te chuan kan la ngai tar lo chu anih poh hi maw @lulian
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June 9th, 2009 at 3:13 pm
Lily, i hming atrang hian i tling sa, KFC sum vawngtu atan ka nominate nghal che.
Kan pawl thurin kan hrilh lawk ang che, chuan joining report i pek duh leh duh loh i rawn sawi dawn nia auh
1. Kanidari aia fing an awm lo.
2. Misuala OT hrat zual nih a pawimawh.
3. Hoh hle tur.
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June 9th, 2009 at 3:23 pm
Pi irre
Ka zawm thlap ang tih ka puang e
mahse zawining repawt chu ka duhlo, ka zak …
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June 9th, 2009 at 3:34 pm
@Irre, a va han in bawl theih ve le :/
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June 9th, 2009 at 3:41 pm
Pu Lily : Zawining report i zah tlat si chuan a aiah dental check up, Dr Wondera bulah naktuk dar 3 appointment ka siamsak mai che. Buy 1 ha hmai,get 2 ha pui free offer kha i hmang trangkai dawn nia auh.
Ha insurance lam pawh lo bawhzui nghal mai ula
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June 9th, 2009 at 3:53 pm
“Buy 1 ha hmai,get 2 ha pui free offer”
lol
lolzzz
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June 9th, 2009 at 4:03 pm
@lily, kan pawl ah hian i lo tel theih loh ka va hlau. Irre khan KFC thurin ah khan ‘KFC member in KHi a duh ve tur a ni lo’ tih kha a sawi theihnghilh a….hmanni khan ‘pi black, min lo tih pui la’ kha i rawn ti saw saw bok sia. KHi i lo star ruk na kha i sacrifice thei dawn em?
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June 9th, 2009 at 5:59 pm
Kei investment in tih ang deuh ka tih ve chu LIC ah children plan pathum ka lei , in dah awl ka tum khawp a niang. He children plan that na chu Pathian in ka tawngsual ngaidam se, thih chuan sum dah ngai tawh lo, mature hun ah nominee ten an la mai. Risk chu cover tha ve viau in ka hria.
Maawma ten online trading an tih char char tawh lai in SBI debit card ka nei thar ve chauh mai.
Mahse mutual fund hi ka awn ve ang reng a, UTI hi an chetchhiat deuh vang kha nge in sawi lo hlawm hle a, Sorkar bailout theih a ni a, an mutual fund hi a tih chi viau ka ring .
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June 10th, 2009 at 6:59 am
Ka’n lo comment ve ang chu, hetiang hian:
Policy a zirin a interest/return/benefit hi sawi lawk theih leh theih lo chi a awm. Tuna in sawi ber nia lang ULIPs return erawh sawi lawk dik theih tak tak a ni lo. Chiang bela insawi hmuh chi phei chu a ni lo lehzual.
Kum thumah a letin a pung, tih lampanga agent tam takin an sawi thin hi chu kei pawh mi’ khei zar mai!
Ni e, a then chuan a return tur hi fixed ang thawthangin an sawi a, an promise/guarantee a ni deuh ber.
Tuma’n kum thum hnua a leta pung beiseiin emaw kum tin zaa sawmnga vela pung thin turin insurance hi i “ti” lo ang u. A nihna tak zawk chu, long term-ah 15-20%, a optimist zual deuh tan upto 25%, vel bak beiseiin i dah lo ang u. Hei hi a tak ram zawk chu a ni e. Kum khata 50% leh aia sang pawha a pun chang chu a awm teh meuh mai, a bikin market bull run rei ber pawl, 2004-2007 chhung phei kha chuan 50% leh a chung lam te a ni deuh vek zawk. Mahse, nikum 2008 kha han ngaihtuah teh, market a tla chhia a, 30-40% ten funds tam tak an tla duai duai mai (nikum market hniam hma chiah khan cash/debts lamah funds swithching te i lo ti hman te a nih ngawt loh chuan). Chuvangin, a pung sang tak thin kha market sang lai leh hniam lai a inchhawk chhen thin avangin a pawt hniam ta thin a, 15-20% vel a ni tlangpui thin a ni. Hei hi mutual funds, equities hrim hrimah a ni zawk ang chu, ah te pawh a ni tho.
Insurance hi ni e, hlawkna uma tih chi a ni lo hrim hrim. Tih dawn paw’n dam hrisel laia tih tur a ni a, natnain min tlakbuak fel hnuah ka dam rei tawh hmel si lo, tia hlawk tum rana tih chi a ni vak lo a ni. Mahse heta insurance ka tih leh hlawkna uma tih chi a ni lo ka tih hian, ULIPs-in return a pek theih emaw policy thenkhatin death benefits ni lo riders emaw bonus emaw a ken tel thin nen min ngaihpawlhsak s’u. Heta insurnace kan tih hi chu a mawl zawngin luman ngawr ngawr, death benefit an tih thin hi a ni deuh ber ang chu, ka sawina a ni.
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June 10th, 2009 at 7:43 am
Agent te an dinhmun thlir chungin kan tan ve lawk ang e.
ULIPs a pun dan tur hi sawi lawk dik theih a ni lo a, sawi lawk chi pawh a ni lo kan ti tawh a. Mahse, agent te dinhmun leh Mizo nawlpui investment lama kan hriatna a la tlem zia ngaihtuah tel ve a tha khawp mai.
ULIPs emaw insurance lam ni lo eng investment scheme pawh zuar dawn la, mizo chhungkaw pangngai tak pakhat i va dawr a. Engzat nge a pung, tiin zawt ta che la, ka hre lo, ka sawi thei lo, a hriat loh, sawi lawk chi a ni lo te va ti la, an leisak lo chiang ngawt ang che.
Chuvangin, hei hi Mizorama insurance agents, consultants, advisors, engtin pawh lo ko se, te hnena ka chah ve duh chu a ni: Kum thumah a let tih emaw a return promise/guarantee zuah zuah lovin, i future marketing prospects ngaihtuah ran chungin ethical takin mi re’ re’ policy zawrh thin ang che. ULIPS return te pawh promise/guarantee emaw a fixed ang dawn dawna sawi talh lovin, heng hi kum 3/5 kalta kan fund performance chu a ni a, ti thin la, company dangte nena compare theih turin an performance te pawh information nei ngei ang che. Tin, India rama benchmark atan hman tlanglawn ber BSE Sensex past performance te pawh hre thlip thlep la. 1979 atang tun thleng a lo than chho tawh dan te pawh hre bel hle ang che. Chutiang i tih hnuah chuan hun kal tawha a lo pun thin dan chu long term-ah chuan 15-20% vel a ni tih i lo hria ang a, chu chu ngaihtuahin average-in kum khata 15& emaw, 20% emaw, 25% vel a BEISEI theih ang te ti zawk thin ang che.
A nihna takah chuan 15% chauha pung pawh ni se, i market competitors, investment options dang kan hriat lar thenkhat, heng, post office saving schemes hrang hrang te, bank fixed deposits te, bonds & debentures leh provident funds te ai hian a la tha fe zawk tho tho a nia.
Bank FDs rate hi RBI in a hunlaia economy a zirin a fixed thin a ni. 9% aiin a sang lo tlangpui, senior citizens tan .5% velin a tam hret ang a. Postal savings ho lah an neih san ber pawh Senior Citizen Savings Scheme hnuaia 9% a ni. An scheme lar pawl tak KVP (Kisan Vikas Patra), hmana kum hnua a leta pung thin kha tunah chuan 8.41% chauha a pun tak avangin kum 8 leh thla 7 hnuah chuan a double thei tawh. NSC leh PPF te, GPF leh EPF te pawh 8% vel thoin a pung ang.
Heng zawng zawng avang hian ni danga i lo champion pui thin 50% etc. lam ri tawh lo in, 20% emaw 15% te emaw pawh sawi hmuh thin tawh la; tin, pawimawh em em, promise/fixed/guarantee tih vel tawngkam hmang tawh lo bawk la; tin, a pawimawh em em leh pakhat chu nangmah enkawltu che sales/unit managar/developmet officer/training manager emaw company hotute thusawi ngawtah innghat lo la, mi pawisa tam tham tak tak chalaisaktu i ni tih hre ranin nangmahin zir chiang la, dil chhut la, research la, tu’nge Mizoram super insurance agent i la ni lo ang, tih sawi thei tawh bik chuang ang le.
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June 10th, 2009 at 11:29 am
Zopatriot leh lily ka lawm takzet e.ka post hnu lawk khan ka internet in min peihloh san daih a,phone atangin kala ron lawm hram2 e.hehe
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