Mizoram ah ULIP hi invest-na hmanraw tha ber thaw thangin an chhuah thin. A chhan ni thei bera lang chu, ULIP ah hian agents hlep atam ber vang leh an hriat loh luat vang a ni ve thei bawk ang.
Tun Health Care Scheme te pawh kha, an hriat loh luat vanga ULIP-a dah annih a rinawm deuh thut thut ta mai, an vua leh vang ten agent commission an chan dawn avanga han dah ngawt kha a chhan ber ni turin, sorkar level-a rel fel ani si ( hemi chungchang ah hian officer lian te nen an committee hial si a). Chutah ULIP anih miau avangin charges chi hrang hrang leh a hming pu tu tur (Policy Holder) angai, a hming putu kumzat azir hian charges ala awm leh (Mortality Charges).
Hemi mortality charges ber hi a thlawna luang ral, trul miah lo, Pu Tlanga te khin thlak theihna hial khawpa pawisa sen ngai a ni tlat. A chhan chu anlu man liau liau, lak let tur awm tawh lo.. an dam rei poh leh pek tur tam ting mai a ni. Tin, hemi bakah hian 30-60% vel an pawisa hlawm dah atangin an cut sak leh thin. Rs. 1,00,000 i dah chuan an invest sak tur che chu a tam berah Rs.70,000 chiah a ni. Thenkhat in a tirah cut tam viau mahse kan lo vanduai anih hlauh chuan pawisa tiam sa (sum assured) kan la let thei dawn thova anti thin. Anih na tak kan chhut chhin ang.
Mutual Fund ah, ULIP te aia performance nei tha leh rintlak an tam khawp mai, Investment ngawr ngawr an aim a nih chuan. Anih loh pawn ULIP a luman veng zat(thih thuta pawisa dawn tur ang chi kha) nei reng chung hian return tha zawk tak a neih theih. Hetiang hian, ULIP a invest in luman(Sum assured) aneih avanga sen ngai chanve ai pawha tlem zok in Mutual fund ah aneih theih.. ULIP ah Rs.2,00,000-3,00,000 velin luman Rs 25 lacs vela anlei ang hi, Mutual fund ah i duh tel ve anih chuan Rs.1,00,000 hnuai lam hian a lei theih tho. Engtin maw? SBI Life, LIC etc atangin Term Insurance i lei tel mai ang chu.. An sen chanve lek sengin. Chutah kumtina sum luangral Mortality charges kha a ngai tawh lo. Hetiang chiah hian Endowment Plan antih ho ah pawh hian phakar a chhuah theih.
HEMI CHIN HNUAI LAM HI KA THUSAWI FIAH DUH TAN. HRIATTHIAM A HAR DEUH ANG 
A nihna tak, an performance leh an cut zat zawng zawng te chhut leh cut vekin dah lang ila. Sawi ngawt hian a chiang thin lo.
Kum 25 chhung invest tur angin chhut ila.
ULIP atangin; Bajaj Allianz’s UNIT GAIN PLUS (GOLD)
MF(Mutual Fund) atangin; Reliance Regular Saving Scheme- Equity
Anni pahnih hi a ti thra, anmahni line of business(ULIP & MF) ah Top 5 tling ve ve an nia, an kum 3 performance lo neih tawh atangin kan chhut chhin ang. Amaherawhchu ULIP ah hian kan khawl tlin hman hmaa kan lo vanduai chuan Sum Assured antih mai, min pek zat tura an bithliah lawk a awm bik a, hemi tak hi MF a kan neih ve theih nan TERM INSURANCE kan lei tel angai ve tihna ani, MF a kan invest-tur sum kha kan pawh hek deuh angai phawt.
Rs.5 lacs invest ve ve turin chhut ila, Chuan kan lo vanduai anih pawha kan sum lak tur bithliah (Sum Assured) ah khan Rs.25 lacs kan ti leh anga (ULIP ah hian Pawisa invest let-nga a tam hi Sum assured atan an hmang tlangpui).
Mutual Fund ah Term Insurance kanneih tel ve angaih avangin(ULIP in anei bik si a) Term Insurance Rs.25lacs vanduai palh liau liau-a min pe thei tu tur LIC hnen atangin kan lei ang. Kum 25 hi kan invest chhung tur kan ti a, chuti a nih chuan Kum 25 chhung zawnga kan lo vanduai palha Rs.25 lacs min pe tur atan LIC hnen atang Rs.84,500/- in kan lei angai ta phawt. Kan invest tur sum kha Rs.5 lacs kan tih tawh kha, Hemi kan lei avang hian Rs.5 lacs ni tawh lovin Rs.4,15,500/- ah a tla thla ta phawt. Eeee ava hlawk lo bik ve i tih chuan a hnu leh hi lo en kar rawh.
A tir pawisa dah luh atang hian ULIP ah 30-60% vel an cut thin kan tih tawh kha, a tlem thei ang berin 30% hi cut tir ila. Chuti anih chuan kan invest tur (ULIP-ah) sum kha Rs.5 lacs ni tawh lovin Rs.3,50,000 ani tawh ang.
Mutual Fund-ah a tira cut hi atam berah 2.25% ani thin. Chuan Term insurance kan lei hnu-a la bang Rs.4,15,500/- kha alo tla hniam ve leh anga, Rs.4,06,151 ah. Chuan kan pawisa dah Rs.5,00,000 atang khan; ULIP ah chuan Rs.3,50,000 an invest anga, MF ah Rs. 4,06,151 an dah lut ve thung ang. A tir cut awm zong zong paih vek hnu ah hemi zat hi keimahni hmingin an invest dawn tihna a nih chu. A tir kan sum chan zat khi Rs.56,151 in a inthlau ta phawt (MF ah chan atam zawk tihna).
An performance hi date 10/07/2006 atangin teh tran ila:
ULIP;
Unit Gain Plus-Gold —
NAV as on 10/07/2006 ———– 10.00
NAV as on 28/07/2009 ———— 17.019
Kum 3 chhunga a return —- 70.19% ( Kum tina a punna rate — 19.39%)
Mutual Fund;
Reliance Regular Saving Scheme—
NAV as on 10/07/2006 ——— 11.0910
NAV as on 28/07/2006 ——— 22.8182
Kum 3 chhunga a return —– 105% (Kum tina a punna rate —- 27%)
(Kumtina a punna hi CAGR-Compounded Annual Growth Rate hmanga chhut ani)
ULIP atanga kum tina an charges thin;
Fund management charges: —- 1.75% per annum
(ULIP kumtin punna 19.39% khi, he 1.75% kumtin anlo charge ve avangin a tlahniam ang.. 17.64% ani tawh ang)
Mortality charges – Kum 30 atanga invest tan ni se, kum 25 chhung a invest hnua an cut tur zawng zawng Rs.1,95,875/-
Policy charges —— Rs.600 per annum.. chuan kumtin 5% in a pung ziah bawk anga, kum 25 hnu-a an charges zawng zawng chu Rs.28,636/-
ULIP atang kumtin 17.64% a apun char char hnu-ah hian, a chung ami 2, mortality leh policy charges khi kan pek chhuah leh tur a ni. Chuti anih chuan kum 25 hnu-ah cut tur zawng zawng cut vek hnu ah Rs.2,00,96.412/- a ni ta!!!
Mutual Fund atanga kum tina an charges thin;
Fund management charges: —– 1.25% per annum
(M.F ah kumtin 27% a pung kha he 1.25% kumtin anlo charge ve avangin 25.75% ah a tla thla ve phawt)
AMC’s Recurring Expenses ———— 2.50% p.a
He thil 2.50% kumtin anlo cut avangin kan interest rate neih dik tak chu 23.25% (25.75%-2.5%) ani tawh ang.
Kum 25 hnu-a a pung tur zawng zawng chu; Rs. 7,55,71,966/-
MUTUAL FUND TAM ZAWK NA : Rs.5,52,51,043/-…
Han en vang vang teh, a inkhawl hnem hleih zia hi. ULIP ah chuan Life Insurance chu-e-kha-e anti thei tohlo, ULIP in Luman a pek theih ang hi heti zat khawlkhawm tam zawk chung hian annei ve dawn tho. Chuvangin aww kan unau, lo in ngaihtuah chiang ve teh… Ka Lawm e.
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- Investment a hlawk a?
August 1st, 2009 at 9:10 am
Ka var ta uau mai.
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August 1st, 2009 at 10:45 am
Mutual Funds te hian hengah te hian investment an ti trhin-
1)Equity 2) Debt Market 3) Derivatives (heihi a complex) 4)tangible Assets like gold, Real Estate Art etc
Heng Mutual Fund invest ang tho hian ULIP hian an ti ve mahse Insurance nen an tih bakah Insurance Co te khan charges hrang hrang an ti. Ka sawithiam dan chuan “Kharchhawng Investment” ti ila, a dik ber ang. MF hi ULIP ai chuan return same invest ah a hlawk (return) zawk hrim hrim.
Mahse ULIP chu Agent vak vel tu an ngah avangin Marketing ah an aggresive zawk avang leh MF buipui tu Aizawl vela an awm loh avangin ULIP hi an titha ani mai.
ULIP VS MF hre dik tur chuan MF buaipuitu hi kan ramah hian an awm ve nual a ngai anih si hi le :!:
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August 1st, 2009 at 10:53 am
MUTUAL FUND TAM ZAWK NA : Rs.5,52,51,043/-… hi i chhut dik lo decimal point i chhut hmaih ania
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August 1st, 2009 at 10:54 am
ULIP atang kumtin 17.64% a apun char char hnu-ah hian, a chung ami 2, mortality leh policy charges khi kan pek chhuah leh tur a ni. Chuti anih chuan kum 25 hnu-ah cut tur zawng zawng cut vek hnu ah Rs.2,00,96.412/- a ni ta!!!
Hei poh hi a dik lo han tidik vat teh min an chhiar tam hma-in
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August 1st, 2009 at 12:43 pm
@mzvision: Mutual fund chu SBI hian an buaipui thei e, ka hriat sual loh chuan.
@Lily: I thuziak hi a tha lutuk.
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August 1st, 2009 at 1:16 pm
@carbou
Nia mahni hian a tihtheih vek mai mahse min finchhuah tu kan mamawh vek tlangpui.
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August 1st, 2009 at 1:45 pm
LIC term assurance Jeevan Anmol ah hian a tlawm deuh hlek lo maw? Hmmmm… a ngaihnawm tan tak tak dawn e.
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August 1st, 2009 at 2:37 pm
Lalpu Mzvision i va hmu tha ve… Ka lehkha bu ah ka ziak khwm treuha, ka chhut nawn leh lo ani e. Ka thiam lo takzet. ka siam tha nghal.
ULIP atang kumtin 17.64% a apun char char hnu-ah hian, a chung ami 2, mortality leh policy charges khi kan pek chhuah leh tur a ni. Chuti anih chuan kum 25 hnu-ah cut tur zawng zawng cut vek hnu ah Rs.2,00,96,412/- a ni ta!!!
Mutual Fund tam zokna: 5,54,75,554
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August 1st, 2009 at 2:47 pm
chuan ka tih sual leh bok chu:
Term life insurance ah khian 20 yrs cover zok ka chhut. 25 yrs tur.. chuti anih chuan 25 yrs cover hi LIC atangin Rs. 1,13,725 ani. MF invest tur khi.. Rs.3,86,275/- ani tawh ang..
A khawlkhawm zat (MF) ah Rs.7,18,73,666/-
Mutual Fund tam zokna: Rs.5,177,77,254/-
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August 1st, 2009 at 2:49 pm
MF tam zokna– 5,17,77,254/- Hairehai ava mak ve leee…
ka bang. hahha
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August 1st, 2009 at 3:28 pm
Rs re re hi lakhs or Crore in rouded off upto 2 decimal in ti la a dik awl comma neuh neuh i type chhungin i buai anih kha Lal Lily.
Excel Spread sheet ah chhut vek la chu chu Pdf or jpg la entheih in dah rawh a chiang zual ang ULIP Vs MF chu
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August 1st, 2009 at 3:41 pm
Yeshhh.. Boss. ka vawng reng ang. Phur thut rahchhuah hi ani tlangpui hloma, ti sual remrum zel mai.. rilru chak loh nen
.
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August 1st, 2009 at 4:50 pm
Min hrethiam lawk teh u. Ka comment hmasa zawk khi ka han siam tha e. A chung ami khi chu LIC term assurance pakhat zawk a ni a, tunah Lakh 25 sum assured chin atan ka rawn comment tha e. LIC term assurance Amulya Jeevan ah hian kum 30 miin kum 25 chhung atan Rs 25 lakhs luman nei tur in kumtin Rs 7,300/- a pek a ngai a, single premium anih chuan Rs 92,600/- a pek lawk a ngai ve thung. Kum chanve zela a pek duh chuan Rs 3,723/- a pe thei ang. Rs 3,723/- chauh pawh lo pe rih se, a pek atanga thla khat ah pawh lo boral palh ta thut se, a chhung te’n Rs 25 lakhs an tel thei ang.
Age : 30
Policy term
(in yrs.) : 25
Payment term
(in yrs.) : 25
Yearly : 7300/-
Half yearly : 3723/-
Single : 92600/-
Sum assured : Rs 2500000/-
Tichuan mutual fund atan Rs 500000 invest ta se, LIC term assurance ah Rs 92600?- a pe ang a, chu chuan kum 25 chhung a life a cover ang. Sum assured chu Rs 2500000/- a ni bawk e.
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August 1st, 2009 at 5:44 pm
Unit Trust of India kha e nge an chanchin zel ,PSU an nia an chetchhiat pon bailout theih zel lom ni, mutual fund ah chuan an ni tluk kha an awm lo an tih thin kha.An chetchhiat hnu khan e nnge an chanchin ni ta zel.Reliance ,SBI etc nge tha ang UTI
Children Plan hi fa nei tan chuan tha ve viau lom ni.
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August 1st, 2009 at 6:06 pm
UTI chu an che trha chho leh tran e. UTI invest duh tan Bawngkawn Pu Thanghluta building ah sawn investment councillor trhu in a tih theih reng asin.
An Product leh NAV hre duh chuan https://www.utimf.com ah hian lo belchiang ru.
UTI chu Lily an an performance chu a hre lutuk mahse nula a rim zawah chauh zawhna a chhan hmel.Luck lo deuh poh hian nula rim hi an hrat ve viau zela NOI
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August 1st, 2009 at 6:36 pm
Fund mamager an that zaw kthin vangin MF hi kan bawh zawk mah.
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August 1st, 2009 at 7:59 pm
A hlawk zia hlir kan hre ta a, anih leh Mutual fund ah hian sum invest ta ila pawisa hloh duai theihna chance a awm em? Entir nan Equity fund ah cheng 20000 vel hi kum 6 or 7 atan invest ta ila, kan hloh theihna chance a awm em? Risk tih ang reng vel a inziak si.
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August 1st, 2009 at 11:33 pm
SBIMF hriatchian leh invest duh te tan aizawla sbi branch hrang2 ah te hian zoh fiah tur an awm..
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August 2nd, 2009 at 2:51 pm
Ditto zawhna chu chhan vak atan a itawm hle mai.. mahse tawi te in.
An bail-out theih dan chu, an bankrupt chiahin an bail out ang.. Business lost chu sorkarin an rulhsak theihlo. sorkain share a hold hnem bera UTI ah hian, an return minus anih apianga anlo contribute zel te chuan an cha chatuan mai anga sin le!!!
Company dang pawh an han bankrupt tak2 don chuan sorkar a inrawlh tho alom.
Mahse UTI ho hian an return chhe vak ngailo.. an scheme zinga pakhat :UTI Opportunities- Growth phei chu a ti tha zingah alang ve reng.
Recession lai pawh khan an fund hrim2 yearly basis, qrtly basis in an return minus ani ngailo.. experiance anlo nei tha tawha, an tha phian.
https://www.mutualfundsindia.co....._other.asp
hetah hian en rawh.. i duh chuan.
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August 2nd, 2009 at 7:19 pm
@Lily: UTI lam ai chuan SBI lam sawi zawk teh. UTI chu Aizawl ah chauh a awm a. SBI te chu Aizawl mai bakah, sub-town tinah an awm vek. A hmang tangkai theitu an tam zawk ang.
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August 2nd, 2009 at 8:56 pm
@Lilyparmawia kan hnial hrat deuh mai teh ang. UTI kan tih ve ziah na chhan hi Government owned Institution a nih vang a ni in ka hria a, assured return committed an neih kha 2002 vel khan Rs.14560 crores bail out package a pe chhuak a, investor ho hnen ah assured return an pe thei ni in ka hria. Chutia nih chuan mutual fund rau rau ah chuan UTI mutual fund hi a save ber lawmni ka ti deuh.
Mahse bailout hnu khan restructuring te ti tur ah ngai ila tun a an dinhmun hriatchian a chakawm hle.
Tin, Reliance te ang hi che chhe ta se, Sorkar hi a in rawlh ang em ? Gov’t owned institution an ni si lova.
UTI case ah kha chuan SOrkar khan investor hnen a UTI in assured return a commit kha a pek sak tlat a ni, bailout package hmang in.
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August 2nd, 2009 at 9:24 pm
Pu lily, caribou ngenna ang khian SBI lam han sawi zawk teh. Hetiang lamah hi chuan ka arkhawthimdai ve teh mai a nia. Tunlai chu ka rilru a kap ve deuhva. SBI hovin pension scheme pakhat horizon 2 an ti emawni te kha thianten min hrilha, ka fiah zo chuang hlei law.Mutual Fund lam hi a tha zawk an ti leh a,”a ni maw” ka ti leh hu a, guidance chu mamawh ve tak ka ni kei misual lulian hian! Pu lily a hman remchan loh pawn Boss mzvision pawh hian a sawi thei ngei ang.
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August 2nd, 2009 at 9:59 pm
Ditto i tih dan takah ka hnial dawn lo che… hahhaa
2002 vel khan India ram economy ala revive chiah lo (2003 atang ani zok mah). 2002 investor pawisa chan kha an rul let lovang, mahse an company kha an tlukchhiat mai don avangin sorkarin an share a lei sak vak ni zawkin ka hria. Bailout han tih khan, a sum fai ngawr2 chuan a pe bik lovang, an share a lei sak tihna a ni thin, (a hnu lamah anlo hlawk lehta a nih chuan sorkar tan hlep hlang)
Tun hnai maiah pawh khan Exporter te chu sorkarin an share a lei sak vak a lom ( a hmingah Stimulus pakage antih kha, 20,000 crs lai an theh chhuah kha). UTI hian return tur assured se chuan India ram investor hian bawh huk mai ta lawng??.. an bawh huk silo.
Assured tih hian.. Kotak mahindra pawn I invest money chen kha kan pe let hrim2 ang che anti thin.. Entirnan: rs.100 i invest tran chuan.. cut tur neuh2 an cut hnu-ah 98 vel alo nia nga.. hemi hi kum 3 vel anmahni kaltlanga i invest chuan an return hrim2 don che tihna(anmahniin risk anla tel tihna a nih ber chu)..
Govt. owned sector hi atam khawp mai. NTPC, ONGC etc te pawh an lost lai chuan sorkarin an lost na zah kha investor hnenah a pe let ngailo. Investor te hian loss huamin an invest veka.. chuta anlo lost anih chuan sorkar mawhphurh-na a ni kherlo, shareholder lian ber ani maia..
Entirna leh bawk: reliance power (Anil ambani)ah mipui invest te khan recession laiin an chan treuh ta sia, Anil ambani hian share a hold hnem ber vangin an lost na pek let kha a bat a nilo. Mahse anni chhungkua hi chu investor anti thiama, shareholder tin hnen ah 20% ama chanpual atangin a sem hmiah. Hetiang chiah hian sorkarin ama chanpual atang chuan ape thei nameuh mai.. mahse a pek awm reng reng hriat ala nilo. Investor hip tum nana UTI hian an soi anih chuan, dik lo a om mai awm ve?? bakah UTI Mutual Fund chiah hi sorkarin a chang tawh, a dang (banking,etc. chu a privatise hmiah.. Axis bank)
Caribau & muantea te.. in zawhna hi chu SBI hrim hrim fund tihna a ni deuh a.. Anni hi 5 yrs basis ah chuan an tha.. anla ti tha ber bawk.. Hlauh tur an omlo. an experience a tha tawk toh. (https://new.valueresearchonline.....epcard.asp) tah hian a chiang..
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August 2nd, 2009 at 10:08 pm
Pu Lily of the valley chu titha hle mai. Lawmawm thin e.
Comparison erawh a fair tawk lo ka ti dawn nge, a biased ka ti zawk dawn, ka hre chiah lo.
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August 2nd, 2009 at 10:10 pm
One time investment a nih rau rau chuan single premium (SP) policy nen compare ta law law la. Chuti lo UnitGain Plus Gold khi Bajaj Allianz ho website atanga a lan danin regular premium a ni sia. Vawi khat chiah i pek te chuan policyholder-in chan tur a nei man nang le
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August 2nd, 2009 at 10:12 pm
Nangchu… fair lo i ti zela.. hahhaha
tak2 ka hriat chin leh hmuh chin anni maia.. rawn compare ve chhin la maw le… keima tan leh mi dang tan pawh a hlawk zok ngei ang le.. Tihsual hi ka nei remrum zel ania.. thianpa
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August 2nd, 2009 at 10:12 pm
Reliance Regular Saving Scheme i tih hi Reliance Regular Savings Fund i tihna mi?
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August 2nd, 2009 at 10:23 pm
Tin, Reliance Regular Savings Fund (Equity): Equity Plan Growth Option a nih chuan NAV as on 10/07/2006 hi ——— 10.9098 tur a ni zawk em?
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August 2nd, 2009 at 10:25 pm
Ka tihsual palh. 11.2919 tur a ni zawk em?
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August 2nd, 2009 at 10:25 pm
https://www.fixedmaturityplans.com/ hengte hi lo chhiar kual teh u. Khoinge hloka hlok lo deuh zawk tih vela sawi sawi ai chuan Mahni rin zawng berte advice la hmaks mai ila, chuti lo zawng in inhriat siak leh vak vak anga, min ti confuse mai mai. ULIP duh chuan ULIP trha tih ber luhchilh mai ti lem lo chuan MF rin ber luh chilh leh mai hi a trha mai lawm ni
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August 2nd, 2009 at 10:28 pm
Ni e, kan zaa kan thattlanna tur a nih dawn te chuan hman ve leh lo compare ve chhin dawn nia.
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August 2nd, 2009 at 10:30 pm
Tin, a comparison fair leh zualna tur chuan growth rate inanga chhut ni ngei bawk se.
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August 2nd, 2009 at 10:32 pm
@Mzvision: “Excel Spread sheet ah chhut vek la chu chu Pdf or jpg la entheih in dah rawh a chiang zual ang ULIP Vs MF chu.”
Hei hi chhutchhuahsa pawh ka nei.
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August 2nd, 2009 at 10:38 pm
@Lallily thx lomom .Save luuk raphlak a han invest ve keuh chhin kan tum ve deuh ti tih vel ve deuh hlek a lom mole
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August 2nd, 2009 at 10:38 pm
@Lallily thx lomom .Save lutuk raphlak a han invest ve keuh chhin kan tum ve deuh ti tih vel ve deuh hlek a lom mole
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August 2nd, 2009 at 10:44 pm
ULIP ah: Tata AIG- Invest Assured II anti tha ber.. Khami te leh reliance regular saving te hi lo compare ve chhin teh..
Khatia comment zut lo khan..
ULIP type I & Type II te hi sawi han soi fiah nghal law2 teh.. tuna ka soi kha type I -a 1st annia..
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August 2nd, 2009 at 10:47 pm
@lalhratla
chung i excel ami ho chu Google document ah midang entheih turin dah la tichuan kan lo en ve leh chhawng anga, mahni policy check nan pawh kan hmang thei anga.
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August 2nd, 2009 at 10:49 pm
Lal Ditto… i risk appetite ka hrethiam uk2… keini ho zawng2 la thawh trauh2 kan ngai anih ber hi tiraw..?
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August 2nd, 2009 at 11:02 pm
lahratla says:
“Tin, a comparison fair leh zualna tur chuan growth rate inanga chhut ni ngei bawk se”
Growth rate in ang loh vang alom Bank Fixed deposit ah, return chiang sa bal ah… pan lova Mutual Fund kan pan na chhan..
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August 2nd, 2009 at 11:03 pm
Kan lo belh ve lawk ang e.
Cost zawng zawngah chuan Fund Management Charge (FMC) hian nakina kan neih theih zat tur a hril ber a. Costs/charges ngawr ngawr kan consider a nih chuan MF emaw ULIPs emaw pawh nise, FMC (recurring charges) tlem apiang a hlawk. Sawi takah chuan, ULIPs ah hian MFs te aia FMC tlemna zawk a awm teuh a, chuvangin LONG TERM-ah chuan MFs ai hian he recurring expenses avang ringawt pawh hian policy a zirin ULIPs hi a hlawk thei zawk a ni.
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August 2nd, 2009 at 11:08 pm
“Tin, a comparison fair leh zualna tur chuan growth rate inanga chhut ni ngei bawk se”
Fund performance hrim hrim kan compare dawn a nih chuan ni e, NAV or CAGR dik tak atang chhut kha a dik chiah.
Mahse, overall-a MFs vs ULIPs emaw, ULIP policy leh policy emaw pawh compare dawn chuan growth rate inang hman ngei ngei turah ka ngai. An tih thin dan tlanpui pawh a niin ka hria.
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August 2nd, 2009 at 11:12 pm
Khatia comment zut2 lo khan… an performance leh an charges hrang2 te lo chhut la.. ron post top roh.. I rinthu nilo khan.
FMC i tih pawh hi maw, i chianglo anih kha..
ULIP ah :1.75%
MF ah : 1.25% (Heihi SEBI in max. charges atana an ruahhman ani)
ULIP ah hian anla charge belh thei(Fund management charges up to a max. of 2.75% p.a of the NAV for the Equity growth, accelerator Mid-cap and pure fund. 2.25% p.a for the equity index fund and asset allocation fund; 1.75% for the Bond fund and Luquid fund)…. Lo en chiang chhin teh..
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August 2nd, 2009 at 11:17 pm
Ka sawi peih tawh lo.. ka mu don. I chhiar chian hunah keimahni tan nilo.. kan mizo pui te tana tha zawk kan la sawi ho zel dawn nia.
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August 2nd, 2009 at 11:21 pm
A tha zawk e, a tha lo zawk e, ka tihna lam ni loin TERM INSURANCE leh ULIP-a insurance chungchang kha kan tuihnih ve lawk ang a. Term insurance-ah chuan premium thawh ngai zat kha a Sum Assured (SA) a zir leh age zirin fixed a ni a. Policy term chhung zawngin a boral lo a nih chuan insurance titu khan fixed premium inang pata a chawi ziah a ngai. Awmzia chu a policy term chhung zawng chu mortality charges kha SA atanga chhut a ni a.
ULIP-ah ve thung chuan mortality charge hi SA atanga chhut ni lovin Sum At Risk (Fund Value less SA) atang chuaha chhut a ni. Awmzia chu SA kha Rs 25,00,000 ni ta se, policyholder in a pawisa dah tawh zawng zawng leh a pung tlingkhawm (fund value) kha Rs 20,00,000 ni bawk ta se, mortality charge kha Rs 5,00,000 (Rs 25,000,000 – 20,00,000) atang chauha chhut tur a ni. Tin Fund Value-in SA a tluk (equal) atang chiahin mortality charge kha titawp ngahl tur a ni. Awmzia chu pure investment a nih tawh dawn tihna a nih deuh mai chu.
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August 2nd, 2009 at 11:28 pm
MF tan FMC kha 1.25% max a ni tih te, overall recurring expenses pawh average daily net assets a zirin 2.50% thleng an la thei tih hi SEBI thuchhiak a ni tih te, ULIPs chungchanga charge awm belh thei te pawh kha ka hria e.
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August 2nd, 2009 at 11:31 pm
@lalhratla
Spread Sheet Sample hi han click keuh la hetiang hi min han share hlom teh. Heihi misual trhian atranga ka dawn tho
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August 2nd, 2009 at 11:39 pm
@Mzvision
Thil/files han upload vel dan zung zung hi ka thiam ve vak lo a. Ka thiam dan danin remchang hmasa berah ka’n la upload a niang chu
Mu phawt ang.
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August 2nd, 2009 at 11:40 pm
Ni e… i chhutchhuah sa chu.. mut hma-a chhiar zuaih ah min han share teh khai.. kan tuihal anih hi…
mawi.mizo@gmail.com or duhsaka@gmail.com
kan nghakhlel…
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August 3rd, 2009 at 12:14 am
A va han ngaihnawm leh cher cher em ve aw…. Nia, lahratla chu spreadsheet sample chu han ti zeuh la… kan chiang kuarh hlawm dawn nia! He ti zawngin Pu Lily a leh Pu mzvision a tuhalna i ti reh dawn lo!
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