Tunhma leh tunhnu ata kan upat hnu a kan inghahna tlangpui hi fate ah a ni deuh tlawng hlawm awm e. A him tawk loh zia leh fate tan phur rit mai kan nih theih zia te ngaihtuah chet chet ve a hun tawh.
Kan fate hian an nupui fanau te tan an thawhchhuahsa pawh an indaih tawh loh nak laia kan lo la tibuai fo hi a tibuai thin tu leh la tibuai thei mai tur te hian ngaihtuahna dang i siam ve tawh ang u.
Mi ram sawrkar hausa te ang kan ni mawlh silo. America ram ang te chuan social security scheme an nei tha em em, pension plan mumal neilo te pawn an fate tibuai lo zongin an pension hun an hmang thei tlangpui.
Keini hetiang hi kan sawrkar chak tak, nge pachhe tak zawk hian min tih sak ve thei silo, nge min tih sak na chang an hre ve lo. Kan neih ve chhun tur ber pawn kum 3 pawh a daih meuh silo (Mizoram health Care scheme).
Sawrkar hnatawk (State & Central) ami te hi chuan an pension tur an duhthu vang pawh ni lovin an khawl ngei ngei angaia, an tan chuan innghahna ala awm deuh. Mimal leh private-a inhlawh leh hnathawk te hian kan ngaihtuah chian a ngai khawp mai.
Sawrkar hnathawk bik lo en phawt ang.
Anni pawh hian hetiang benefit hi annei rei thei tawh bik lovang. Tuna an neih danah chuan thlatin a tlem ber ah 6%(thlatin hlawh) hi an thawh ziah tur a ni a, an thawhzat chiah hi sawrkar in ron thawhpui ve in atam berah 12% (monthly salary) thleng an thawhpui.
An pension huna an pawisa thlatin dawn tur hi an khawlkhawm tling emaw tling lo emaw an dawn tur bithliah chu an dawng tho tho thin. Hemi tak hi sawrkar tan a luhai thlak em avangin Defined Contribution Plan an tih mai, an pawisa thawh/khawlkhawm zat leh interest an neih mila pension dawng tawh tur hian ruahmanna a kal mek a ni.
1st January 2004 atanga central sorkar hnathawk te chuan NPS(new pension scheme) an tih hi an zawm angai tawha. Heta an pension dawn tur hi Fixed ni tawh lovin an khawlkhawm zat leh sawrkar thawhpui, an khawlkhawm interest chiah hi pension atan an dawng tawh dawn a ni.
An khawlkhawm tlin loh chuan anmahniin an tuar tawh anga(sawrkar atang beisei tur a om toh lo), an pelh deuh leh an tan hlawkna. Hemi kal dan phung hi state ah leh private establishment ah hman tan tum mek a ni. 1st May 2009 atangin NPS pawh rampuma hman tan tura chhawpchhuah a ni a, Engtik ni ah emaw chuan state sawrkar te pawn anla zawm ngei ngei hun a awm ang.
Tuna pension an lak thin atang pawh hian an in enkawl thei tawk tawk emaw a ni a, A tlangpuiin an pension hma senso 50-75% vel hi an mamawh tlangpui tawh thin pension hnu lamah hi chuan. An pension dawn, thla hnuhnung ber-a an hlawh lak chanve vel hi anla tlangpui (A chhutna tur formula a awm). An GP Fund hi an hman thiam loh phei chuan an pension hun hi indaih lo chungin emaw, harsa tak chunga an hman angai ve tho.
Private Company etc. a thawk te tan:
Mizo te he lama thawk kan la tlem deuh avangin sawi thuak thuak ringawt ang :)Tuna hman mek EPF( Employees provident Fund) ang chuan an thlatin hlawh 12% an contribute thei, hemi zat chiah hi an employers ten an thawhpui ve ang. ‘Marawhchu a tam berah Rs.6500 hi an contribute thei. hemi aia tam an thawh duh a nih chuan employers ten a pelh-na chu an thawhpui tawh lovang.
Heta tang hian employees pension scheme an ti chhawng leh, employers contribute 12% atang khan 8.33% hi pension atan bik an dah lut ang, a bak 3.67% hi chu EPF ah khian a thawhpui ve ang ( employees te contribute hi chu EPF ah chiah a lut, pension fund ah a lut ve lo). Hemi bakah hian central sorkar in 1.16% pension atan bik hian a thawhsak bawk. Entirna nen sawi chhin ang:
I thawh zat Rs.6500
Employers thawhpui che 12% of rs.6500
EPF a lut tur (3.67% of 6500) = 239
Pension fund-a lut zong(8.33% of 6500) = 541
Central sorkar thawhpui (1.16% of 6500) = 76
I pension fund-a lut zong = Rs.617
I PF a lut zong = Rs.6739 (6500+239) Heihi maximum ka tih tawh kha.
Interest rate hmanlai mek hi 8.5% p.a a ni. Pension tur i khawlkhawm tlin loh chuan a pawi bon ni ringawt. Nangman pension scheme dang pawh i thlang thei tho, employers contribution nei tho turin. ‘Marawhchu recognized annih erawh angai ang.
Self Employed Ho tan:
Hemi te tan chuan chuan PPF (Public Privident Fund) a awm.Mizo te income tax kan pek angaih loh avangin PPF a pension tur dah hi chu a trul kher lo, chu ai chuan Mutual Fund te, Insurance company ten Pension scheme atan liau liau-a ansiam ah dah hmak a fuh zok. PPF interest rate hi 8%p.a chiah ala ni zui. Hlawk lo lutuk!!
Khitiang Mutual Fund, Insurance company pension scheme te khi Long term a nih avang hian a him thawkhat. investment (stock market thru) chu a ni ngei maia, mahrawhchu long-term anih miau avang hian a hlauhawm hran lo.
Hlauhawm ni se NPS (New pension scheme) hi sorkar laipui hian hman turin an pass kher lovang, chutah tuna hmanlai mek thlak vek nana a buatsaih a ni zawk za mah.
Tuna ka sawi zawng zawng atang khian han chhut vang vang la, i pension hunah fate leh chhungte tibuai miah lo turin I khawlkhawm tling dawn em?. Upat tawh lamah chhungte laka inthlahrun ngai miah lovin nunkhua i hmang thei angem? Dam lohna i tawk thei, chhungte pawisa khawnkhawm chuk chuk te angai angem? Retired tawh lamah rilru engthawl taka awm hi i chak ve thin ang tiraw?
Tun atanga lo plan lawk hi a fuh ber. pawisa thawh in ang theuh theuh a hma thei ang bera dah hi a fuh thlawt. Compounding power anti maia, Entirna bawkin sawi leh ang
Kum 26 i nih atang thlatin Rs.500 i thawh ta a, Interest rate 8% ah. kum 58 ( retirement age tlangpui) ah chuan Rs.8,86,978/-
Kum 42 i nih atang thlatin Rs.1000 i thawha, interest rate 85 ah. Kum 58 a i khawlkhawm tur chu Rs.3,87,209/- chiah a ni Han en vang vang la, In pawisa hman zat chu a in ang chiah. A khawlkhawm hmasa sa vannei a ni mai.
I pawisa khawlkhawm sa, I pension tawh hnu lama lo pe char char tur che hian Annuity te anla awm leh cheu bawk. Sawrkar pawh hian an hnathawk te an damchhung a pek theihna pawh hemi Annuity thru tho hian a ni. Annuity bik chu ni danga sawi atan dah mai ang. Insurance ah Thih hma i venga, Annuity ah chuan dam rei i veng (i dam rei nanana chuan mamawh i nei ve zel, income i nei tawh silo). La ti tralh teng :D
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July 23rd, 2009 at 11:00 pm
In bawl i thiam thin teh e, ku Lily of the valley
I khulhsth a ni chiang! 
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July 23rd, 2009 at 11:03 pm
A risk khi ka soi ho(beta,alpha,sharpe,standard deviation
mean) atang khian han teh ve chhin la, i Thiam chuan
.chuan a chiang deuh ngei ang.. (Inti hre zuah zuah pawh anilo, ka hriat chin bak chu hrelo ve hawih hawih tak ka ni, ka laktlak bik loh)anih loh chuan i duh emaw duh lo emaw kan camping tir tho tho ang che
Tlar hmasa berah mathei lova ti luih-na nena i ngaithlak theih nan i seat tur kan lo book thlap ang.
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July 23rd, 2009 at 11:09 pm
Pu zoramthanga i ang riau.. a chhehvel i soi nasa thei ltk..
nge hnam run ah khuang ilo pu ve jauh2 thin toh zok
Boss hlui Ramte-a pawh kha a nihna tak soi silo hian a chheh velah a in ham tang rei thei ltk aa.. mahse ngaihnawm thei zek a sin..
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July 23rd, 2009 at 11:14 pm
Lily a leh lalhratla te in tawk hot thei khawp mai. A bengvarthlak thin e. Lily_parmawia hian lahratla lo awm ve kher kher hi chu pawi a ti ngawt ang chu, a hriat ang hria an lo awm ve kar mai sia. Hei tunah pawh a pehhel kual leh daih tawh hi. Lalhrata comment hi a pratical thin zawk mahin ka lo hre ve mai mai kei chuan. heheh.
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July 23rd, 2009 at 11:32 pm
E a ngaih nawm leh ta,kan veteran guru leh New kid on the block an han chet tak tak chuan… mahse mean,sd,beta,alpha,sharpe.,mode a tel em..etc vel khi chu simple deuh a han sawi chian a tha khawp ang,risk factor tehna hrang hrang em ni? :lol:
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July 23rd, 2009 at 11:37 pm
eeee pawiti love.. Insurance bikah ka ziah vek leh ka sawi vek ngai lovin min sawipui/sawichian pui thei don asin..
hetia soi hian hlawk-na omlo bon tops
Kan hlawh san ber chu, I va hre ee.. manmohan singh i ni ringot alom.. chief minister ni mai ta che.. etc. tih vel a ni ee.. Hairehai
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July 24th, 2009 at 1:02 am
@lahratla comment “Tin, investment ngawr ngawr duh tan MFs hi a tha zawk kan ti thin a, dik pawh a dik chiah” tih hian MF that zawkna a sawi rualin SBI Magnum Multiplier Plus te kha nangni ho school in luh hma khan ka lo invest ve tawh a fuh lo khops. Mahse tunhnu Indian economy an boom a MF Co poh an pung nasa, internet ah check theih sms ah NAV te a subscribe theih. Cable TV prog thenkhat in scroll ah an pe.
Tun dinhmun ah hi chuan naupang thluka la vaivir thei investment lama tui ho hian han zir chho ula, Insurance agent commission melh rana mi convince tum class hi kan pelh a ngai. Insurance hi kei pohin ka ti tih ngei tur poh ani, mahse cashier babu te leh sum chelek tute an theih bak thleng thlenga kal turte hian kan lo thlem palh ange. Chutiangin neih zz invest nan chuan ULIP ang te hi tih re re loh tur.
Chutiang tho in MF te SM trading te commodity trading te Forex te hi risky deuh chu ani. Mahse certain amount of risk lak loh chuan, tihfuh hi har tak ani.
Ka sawi fo erawh hre ranin FIMKHUR TLUK A AWM LO INVESTMENT AH
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July 24th, 2009 at 1:08 am
@lahratla comment “Tin, investment ngawr ngawr duh tan MFs hi a tha zawk kan ti thin a, dik pawh a dik chiah” tih hian MF that zawkna a sawi rualin SBI Magnum Multiplier Plus te kha nangni ho school in luh hma khan ka lo invest ve tawh a fuh lo khops. Mahse tunhnu Indian economy an boom a MF Co poh an pung nasa, internet ah check theih sms ah NAV te a subscribe theih. Cable TV prog thenkhat in scroll ah an pe.
Tun dinhmun ah hi chuan naupang thluka la vaivir thei investment lama tui ho hian han zir chho ula, Insurance agent commission melh rana mi convince tum class hi kan pelh a ngai. Insurance hi kei pohin ka ti tih ngei tur poh ani, mahse cashier babu te leh sum chelek tute an theih bak thleng thlenga kal turte hian kan lo thlem palh ange. Chutiangin neih zz invest nan chuan ULIP ang te hi tih re re loh tur.
Chutiang tho in MF te SM trading te commodity trading te Forex te hi risky deuh chu ani. Mahse certain amount of risk lak loh chuan, tihfuh hi har tak ani.
Ka sawi fo erawh hre ranin Fimkhur tluk a awm lo Investment ah hian
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July 24th, 2009 at 7:15 am
@mzvision:
Ni e, a dik chiah. Ka sawi tawh thin angin Mizorama insurance agents tam zawk hi chu commission tha ringawt um, mahnia zirchiang lem loa an hotute thusawia innghat mai an ni tlangpui. MFs te, ULIPs te, tradings te, Forex te hi risky tak tak vek an ni. A bikin takin, short-term to medium term-ah. Mahse pension khawlna atan chuan ULIPs emaw MFs a that theih ber ka ring.
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July 24th, 2009 at 7:19 am
An sawi fo thin thil pakhat – I artui neih zawng zawng basket khatah dah ngai suh, an tih hi i hre reng bawk ang u.
ULIPs hi ka sawi fo a, min lo hrethiam ula, a cost lam chu dah thain, a features neih theih hi Mizo nawlpui nen chuan a inmil tha fuin ka hriat vang a ni a.
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July 24th, 2009 at 7:28 am
Past performance atanga en chuan equities (shares/stocks lampang reng reng) chu a rei tual tual a, a risk hi a a tlem tual tual. Kum 10 chinah phei chuan a awm lo tluk a tih theih awm e. Chuvangin cash leh debts instruments thenkhat, heng – bank FDs te, postal saving schemes hrang hrang te, provident funds hrang hrang te, bonds etc. te hi chu a tlangpuiin bank deposit rate nena inang tlang an ni hlawm a. A awmzia chu a sang thei ang bera chhut pawhin kum 30 chuang dah pawh ni ila, 12% vel bak pel lo tur an ni hlawm.
Mahse, systematic investment paln (SIP) an tih fo, zawia zawia tlem te te a hmang thei ang bera lo inkhawl chhoh beuh beuhna atan chuan ULIPs leh MFs te hi a tha ber ang.
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July 24th, 2009 at 7:48 am
Pension khawlna atana ULIPs leh MFs thatna te:
Entirnan, kum 30 miin a hna thawh tan atangin thla tin Rs 1000 emaw kum tin Rs 12000 kum 30 chhung a dah ziah chuan a retire hun, kum 60 a tlin meuh chuan a total investment kha Rs 3,60,000/- a lo ni ang a. Average-a lakin kum 30 chhung khan kum tin 18%-a a pun char char chuan a Rs 3.6 lakh chuah kha Rs 1,11,99,824/- (crorepati!) lai a ni thei. Tin, tlema conservative deuh zawka chhut pawhin, 15%-in pung char char ta se Rs 59,99,483/- lai a tling thei tho.
FDs, postal saving, PFs etc. hi 9% vela pung thin turah dah ta ila. I Rs 3.6lakh kha kum 30 hnuah chuan Rs 17,82,903/- chiah a ni thung ang. Chutah inflation rate considered lo theih loh a lo ni bawk ang a.
Tin, pension kan mamawh zat tur te pawh tuna i lakluh (income) te, i khawsak dan (standard of living) te leh thil man pun dan emaw pawisa hlutna tlak hniam dan (inflation rate) te atangin a chhut chhuah theih a ni.
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July 24th, 2009 at 8:49 am
A engamah chhiar hma hian in inhnial a nih chuan @LilyParmawia hi kan tran nghal ngawt teh ang
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July 24th, 2009 at 10:55 am
# 58 : “commission tha ringawt um, mahnia zirchiang lem loa an hotute thusawia innghat mai an ni tlangpui.”
A va han dik duh hmel em ..:D
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July 24th, 2009 at 1:13 pm
Lal kanidar.. tren tren tren ni ringot..
lahratla hi a hlauhom e ka tihna mi lovin, ULIP te, MF te mi advice tur chuan an risk exposer hi kan teh athiam angai ve tlat..
ULIP ah te engatinge scheme chi hrang2 Bajaj atang ringot poh atam em em?? achhan chu, an pawisa zuk dahna company/sector hi chi hrang hrang.. Mipui te dinhmun chi hrang hrang kan nih avanga kan mamawh mil tura duan anni hlom.
Hetah hian kan client/mipui te mamawh amil khan an pawisa zuk invest-na kha kan select thiam ve angai.. a hmanrua atan chuan ahmaa ka soi (mean, SD, alpha, sharpe, beta) an hmang thin.
sector thenkhat (e.g pharma) te ang chu conservative stock anni ve tlat, mi conservative deuh lak chi, chutiang zelin.
Mizoram Insurance agents tam ber.. anni deuh vekin ka ring..
a risk exposer hi an teh thiam miau loh avangin a performance tur a graph nen ankeng sa thul, kum 3 hnu ah a chuti khati thei anti thul. Fimkhur a tha khawp mai.
lahratla chuan ULIP hi pension atan a tha a ti a, Keichuan ULIP hi ka last choice a ni ve tlat..
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July 24th, 2009 at 3:23 pm
Pu Lily a sawi hi a dik chiah. Mimal theuh milin financial advice hi kan inpe thin tur a ni. Thenawmpa tana tha kha ka tan chuan a tha ve kher lo ang. Tin, client-te kum a zir te, an risk appetite a zir , a rei zawng tur te leh an investment objective a zirin fund apportionment te pawh kan ti tur a ni.
Kei chuan pension khawlna atan chuan specific policy a zirin unit-linked pension plans (ULIPs tawh phawt chu ka tihna ni loin) ka thlang ber
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July 24th, 2009 at 3:26 pm
Tin, ULIPs zuar, insurance agent tam berin kum 3 hnuah a let 1, 2, 3 etc. in a pung an tih hi chu misselling dik tak a ni e.
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July 24th, 2009 at 3:31 pm
misual.com in Fund Manager pahnih ka nei ta hi, a lawmawm hrim hrim
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July 24th, 2009 at 3:47 pm
Dummy a fund mange na hi siam ila tunge chetha tih en theih turin chuta che tha zawk chu bawh huks ila ni mai lom ni, hetia in sawi hriat siak vak hi, mi kan ringin kan rin loh phah theia prctical viau lo maw ?
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July 24th, 2009 at 3:54 pm
lily leh lalhrata min ti bengvar e…
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July 24th, 2009 at 4:10 pm
Puii ilo soi ve manah ka bang…
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July 24th, 2009 at 4:24 pm
Chuan khawi ber nge ka pension scheme tur chu??
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July 24th, 2009 at 4:27 pm
lahratla chu i soi pawlh vak zela, minti confuse. a hnu-a i soi hian a dik veleh mai zel bok sia, ka lo hau hman pek thrin bok che sia hahthlakss ani e:P
Entirnan: ULIP atha i tih ngot teh(ULIP ah chuan Insurance atel zel bok si). Hetiang lovin Unit Linked Pension Plan te han ti ta keuh zok la.. tiraww..
2-na: Bajaj LIC i tih ngot te kha. company hran ve2 anni boksi. Bajaj LIC ti lovin bajaj life insurance company ti ta zokla.. Life insurance company soi nan hian LIC hman ngai a ni silo. LIC chu brand/company hming anni leh daih zok si..
I thuziak mi lo veleh chhawng aniang nge..
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July 24th, 2009 at 4:31 pm
Pi Irre… In tax deduction tur hi buaithlak tops..
Fringe Benefits tax kha tunkum budget 2009-2010 ah ti tawpin in hre mai thei.. mahse ‘In the hands of employers’ ah chiah a tawp. In the hands of employees ah an cut leh daih si don.. Sorkar hi phakar thiam deuh mai ania.. a chhut dan tur ka buai riau.. ka ziak vat theilo a nih pawn.. ka mu theilo ah lo ngai ngawt suu …
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July 24th, 2009 at 6:49 pm
Unit Linked Pension Plan te chu ka tih ve bawk kha maw
Ni e, LIC of India chu company pakhat hming chu a ni mauh mai. Mahse Bajaj Allianz emaw eng insurance co. pawh a hmingah life insurance co. tih a awm chuan han ziah deuh duah ai khan abbreviate nan LIC tih ka hmang mai thin a ni e.
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July 24th, 2009 at 6:55 pm
A nihna takah chuan chiang pension khawlna (deferred annuity) atan bik liau liaua siam, chiang keng kawk taka unit-linked pension plans kan tihte pawh hi Unit-linked insurance policy (ULIP) vek an ni ve tlat sia ni.
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July 24th, 2009 at 6:55 pm
A nihna takah chuan pension khawlna (deferred annuity) atan bik liau liaua siam, chiang keng kawk taka unit-linked pension plans kan tihte pawh hi Unit-linked insurance policy (ULIP) vek an ni ve tlat sia ni.
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July 24th, 2009 at 7:02 pm
In ngaih dan a ni ve chiah emaw chu ka hre lo a. Pension khawlna atan chuan ULIPs rau rauah pawh pre-maturity surrender charge tam enkhel ni ngei se ka la ti fan. A chhan chu withdrawals tih a awlsam lutuk chuan kan tum ram kan thlen hma tak tak siin kan lo la chhuak pheuh pheuh ang a, kan retired hunah meuh chuan engtham kan ngah lo ang tihte pawh a hlauhawm ve bawk a lawm le. Surrender charge a san chuan loh theih lohin disciplined investment tha tak min siamtir thei dawn a ni. ATM/Debit card neihte pawh a thatna chu sawi tur a tam, mahse lak chhuak a awlsam em avangin a thiam lo tan chuan duh ai tam hman a awl duh ngawtin a rin theih.
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July 24th, 2009 at 7:12 pm
@Irreplaceable:
Pension atan chuan…
INSURANCE policy dang i nei lo a nih chuan ULIP (unit-linked pension plans with INSURANCE cover) la rawh.
INSURANCE i tih tawh chuan MFs emaw ULIP (unit-linked pension plans WITHOUT INSURANCE cover) la rawh.
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July 24th, 2009 at 9:12 pm
insawi buai tulh tulh kei pawh ka ti, Eng company plan hi nge tha tih hi rawn sawi law law ula.
Reliance, LIC leh SBIlife ah ka nei a, eng ber nge tha pawh ka hre thiam lo, a tha ka hriatthiam kha ka thlang ve tawp.
A ron campaign hnuhnung apiang hi an infak a, chumi te plan chu han ti dek dek ila, chutiang chu kan nei ve tho an ti thei zel bawk si. Politician ang deuh an ni
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July 24th, 2009 at 9:57 pm
Company emaw product hminghmerh deuh taka han lam rik chhen pawh hi an company emaw an product emaw bik kha fakmawi bika ngaih theih kan nih avangin a inthlahrunawm ve deuh bawk a ni. Mahse company emaw product emaw tha leh tha lo chu an awm chiang. Inzawh dawn chuan company hming leh and product/scheme/policy hming chiang deuh taka inhrilh hian chhan a tiawlsam deuh. Tin, investment decision reng reng generalise chi a ni lo kan tih tawh angin, pakhat tana tha em em pawh kha midang tan chuan a tha ve kher lo thei. Chuvangin, specific query nei chuan min rawn der ve duh te a nih ngai chuan lahratla@gmail.com ah min rawn mail thin zawk ta mai che u.
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July 26th, 2009 at 6:54 pm
Ka jail tan chhungin chhorna-awm tak tak thu tangkai alo va tam hman ve, uluk leh zualin ka chhiarnawn leh ang chu.
@Nula Magnet mut theihloh chu tangkaipuithlakawm khawp mai!
Comment na ringot poh bengvarna tham…
Thutha ho hi copy a save that nachang hre/peih miah lo zuk la awm lehchhawng a!
Phurh!
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