Kan ram zim teah hian Banking Corporation hrang hrang leh Non-Banking Financial Company(NBFC) lian leh rintlak tak tak an rawn lut tih thuah leh an la rawn lut zel bawk dawn tih thuah zawng, keia thingtlang-pa mawl hian han lawm vak ngaihna emaw han lungngaihna tur chhan ka hre lem lo na in; Unit Link Investment Plan(ULIP) hi kan hlawkpui em? tih thuah sawi ve duh tlem ka nei.
Sawi duah erawh ka tum hran lo, a hria leh thiam zawk te cho na nise.. Investment Plan(ULIP) te hi enkawl ngai tak mai leh enkawla awmze thui tak nei thei a nih avangin Sakuh ser nghah a nghaka, nghak sual ta sawitur an awm nual ta mai. Investment tihna chang chu kan hria a, a enkawlna chang erawh chu kan hre lemlo. A then te chuan Fund Manager te nei in emaw mahni pawhin lo enkawl bawk mahse, kan ram a Investor tam zawk te hi chuan enkawl theih a nih pawh kan hrelo in a enkawl dan lah kan thiam hek lo.
Kan Premium te kan pek tlak tawh chuan a mature hun tur nghakhhlel takin kan thlir tawh mai thin. Chutia Tlumtea thlir taka kan lo thlir thin chu a hun a lo thleng ta…! Lunghnur fe in kan inchhir thu kan chham zui chiam a, “Min Bum” kan ti leh ringawt mai thin. “Market Risk” a ni miau a, Company lam thiam loh lah ni hek suh. Tun kum(2011)ah ringawt pawh hian chawibelha an Policy surrender an awm nual tawh awm e. Thurawn kan inpek theih chhun chu “Unit Link Investment Plan(ULIP) leh Banking Investment Plan(BIP) te hi kan hriat hran a hun ta e”
Fund Switch: (1) Fund Switch tur hian Policy kan leina office-ah khan dilna form siam sa fill-up a theh luh mai tur a ni. A in process hun chhung erawh a rei deuh (2) Online atangin reilote chhung a switch mai theih a ni bawk.(Online atanga Fund Swith tur hian User ID leh Password siam hmasat a ngai) Fund Switch tur hian ngaihtuah chian erawh a ngai khawp mai a, mi tam takin an hlawkpui rual in a then chuan an switch hma a fund value pawh pha zo lova mature ta mai an awm bawk.
Fund re-purchase a ni tih kan hriat reng a tul. A sang a piangah sawn mai chi a ni lova, market chet dan ngun taka zir chian hmasak phawt a fund thanglaiah chauh sawn thin tur a ni.
Fund Manager: Heng Investment Company te hian Fund Manager an nei vek tho na in, customer sang-sing-nuai(?) eng emaw zat tan chuan an daihzai seng vek bik lo. Chuvang chuan Policy holder hnenah Free switch an offer ta thin a, Mutual Fund a ni emaw, ULIP a ni emaw Policy nihphung chiang taka chhiar thin hi kan tihtur leh chanvo a ni ve tlat.
Thil awmzia kan hriat tawk loh avanga bum a in ngai leh hlawkna tur ai chan ta kan awm leh thin hi thil pawi tak a ni. Policy Document te hi Thul mawnga lo dahthat ngawt a him ber lo fo.. Mahni in kan enkawl theilo/thiamlo/hmanlo a nih pawhin Fund Manager rintlak rawih hi a pawimawh in, kan in tihhmuh a hun ta khawp mai.
Kan sawi kim vek seng lo ang. Tuna kan dinhmunah chuan Investment hi hlawkpui kan awm rual in, ti fuhlo ngial ngial pawh kan tam khawp mai. Chuti chu lo ni tase a tuartu chu tunge? Investor leh kan ram Economics a ni thei mai em?
July 11th, 2011 at 5:02 pm
😀
July 11th, 2011 at 5:03 pm
A ngaihnawm dawn e, misual 2awng 2awngin chhiar ang u le 😀
July 11th, 2011 at 5:03 pm
chhangte val em em a che, chhiar hma hmain 😀 😀
2.kawlhawk 😉 😉 lol
July 11th, 2011 at 5:05 pm
Ka hriat thiam ve phak thil a ni lo tlat, a thiam ho sawiah khek ang 🙂
July 11th, 2011 at 5:07 pm
Roseparvul 1st theih na thuruk ka hrilh ve ang che fb lamah 😛
July 11th, 2011 at 5:14 pm
Ka ngaihdan chuan Investment hi felfai taka plan ngai ani ve a..
Entirnan ahmasa berah chuan Term Plan lak a tha..!! Term plan ah chuan coverage kan ngah a,
eg premium Rs 5000/year velin nuai 30 coverage lak theih te pawh a awm. Kum 10 term te a ni thin a.. Mahse he Rs 5000 hi kan hmu let leh lo.. Hei plan tankaina hi chu “lo thi thut ta la” i chhungte an rethei ang tih a hlawuawm a.. Cover siam a pawimawh tihna ani..
ULIP hi a fund a zirin an performance a tha in a tha lo thei.. Entirnan 2009 recesion lai kha chuan Financial market a ULIp fund ho chu an che chhe hle.. ICICI Fun pakhat phei chu a che chhe ngei mai..
Kum 1 hma khan nuai khat invest ta la, recession peak lai vel khan Rs 10000 vel kha a Fund Value a ni tawk…
A tlangpui in Long term investment plan deuh ania.. Kum 5 tal target neihloh chuan ULIP tih vel hi a thra lo maithei.. exit load entry load tihvelah poisa seng a ngai bawk sia..
ULIP hi 6% return in han chhut ta ila.. Incometax bracket ah awm ta bawk ila.. ULIP ah hian pawisa lo invest ve ta ila.. Effective interest chu 16% anga chhut theih a ni (10% (income tax)+ 6%).. sawi peih tawhlo..! Financial market hi sawizau a harsa em mai..!!
Invest vak vak ai chuan uikom a tha zawk… hehehe..
July 11th, 2011 at 5:15 pm
Mutual funds investments are subjected to market risk….tih ads vela rang deua an chhiar thin kha ka hre chhuak zawk mai 😛
tak a, hei aia chiang deuh hian a hria ten(emaw a post tu hian) sawi zau theih se a lawmawm ngawt ang.
July 11th, 2011 at 5:17 pm
“Ka ngaihdan chuan Investment hi felfai taka plan ngai ani ve a..”
I ngaihdan lo pawn ngai e 🙂
July 11th, 2011 at 5:20 pm
ka hman hunah ka lo comment dawn ania..lily parmawia ten lo ‘batti’ chhit phawt teh se
July 11th, 2011 at 5:24 pm
ULIP sawizau hi a har ltk..!! Market ah Fund chi hrang2 a tam bawk sia…!! Market condition, economy, Disaster te thleng hi a risk a ni thei..!! A tangkai dan leh mahni “Risk Profile” ngaihtuah a chet chi ani.. Mi zawng2 sum hmandan leh mamoh dan a in an lova, Plan dan a in ang thei lo. thil duh leh responsibility a zir te in i plan a ngai ang..
Ma 2 hlawh(salary) hi lo in ang reng ta se.. Hlawh in ang reng mahse mi pakhat chuan Kum 3 hnuah Car lei a duh a, a dang zawk chuan Kum 3 hnuah In (House) a lo le duh ta a.. An financial plan dana in ang lova, ULIP, Insurance tih vel an lak dan tur pawh a in ang lo..! Growth Fund ah chuan risk a sang a..!! Mi zawng2 in Financial isk an la vek thei kher lo..! Mi tam tak tan chuan Financial Growth risk sang bawk si ai chuan Financial Security (risk sang lo, pung tlem se) an duh zawk mai thei..
July 11th, 2011 at 5:25 pm
8 benjamin rualthanzauva : nia a ngai chiang e..! 🙂
July 11th, 2011 at 5:38 pm
A bengvar thlak thin e..Lo ziak zel teh u…
July 11th, 2011 at 6:16 pm
Ka va bo kher em…. (H)
July 11th, 2011 at 6:28 pm
Kei pawh bo tak ka ni…
July 11th, 2011 at 7:25 pm
ULIP= Unit-Linked ‘Insurance’ Plan
July 11th, 2011 at 8:03 pm
Kan inbo siak mai dawn em ni?
July 11th, 2011 at 8:17 pm
Biodiversity hriatthiam chuan man a har lo ang. Ecological pyramid siam tum ang vel ni maiin ka hria. A hun leh hmunin pawimawhna a neih mai bakah a biomass-te kha trophic level tinah an balance ve a ngai a, nih loh chuan Thlaler ramro kan chhuah a ni mai. 😀
Duham avanga RISK vak vak hi a chang chuan a kristian lo deuh em aw ka ti mai mai. :-S
July 11th, 2011 at 8:22 pm
Unit Link Investment Plan(ULIP) or ULIP= Unit-Linked ‘Insurance’ Plan? Kan chhiar nawn leh ngat teh ang..
July 11th, 2011 at 8:57 pm
Fund switch na tur hre dik tlangpui tur ringawt pawh hian inzir fe bakah inchhiar fe ala ngai.. 😀
Agents vak chak deuh deuh ho vang hi ania hetianga buai an awm thin. Agent ten market movement an hrethiam lo, anlo return toh kha return leh zel turah an ngaia, an mi zawrha te an hrilh chhawng ve leh, annin anlo awih tak tak. Chhe chhawnga te unau ang chiah 😛
A man hian kan la hman hlawm hlol lo.. Inbumna kan ti sam si.
Longterm (5-10 yrs) atan chuan stock (blue chip) a tha thawkhat. Bank return aiin a sang. Mahse a sanna erawh a chuti bik em em hranlo. Investment tih vanga a let khat/hnih or a chanve tal beisei hi a dik lo a ni. A tam berah 15-30% p.a. bak beisei loh tur.
July 11th, 2011 at 10:00 pm
Lily_parmawia a rawn lang tawh a, khawnge maawma hi? An comment lo chhiar ila, kan fin hmel deuh zawk ang a!!!!
July 11th, 2011 at 11:46 pm
In va duhtawk hma ve rawn thawhkhawm zel ula that nen sum peipun dan tha deuh te hi kan hre ve chak a nia ha ha 🙂
July 11th, 2011 at 11:53 pm
19# i sawi dik khawp mai, heng company agent te hian thahnem an ngaih luatah kum thum hnuah a thlep a return an lo tiam ve leh ngawt thin a. An power in a daih thin lo…:-)
July 11th, 2011 at 11:59 pm
Ignatia : i sawifiah dan khi a tha reuh lutuk. I rawn khaikhawm ta mai emaw ka lo ti hman lawm le..
July 12th, 2011 at 12:02 am
Misual : Sum peipun dan tha ber chu maw… “Mamawh tih tlem” ..haha.. Market down a awm ve ngai meuh lo..
July 12th, 2011 at 12:05 am
Kei misual hian ka investment hriat ve chhun chu rim taka hnathawh hi a ni mai…
July 12th, 2011 at 7:46 am
Regular takin ULIP ah invest la, charge neuh neuh engemaw vangin kum 4 vel tal a ral hma loh chuan i pawisa sen ral pawh i hmuh let ka ring lo chiangkuang khawp mai.
July 12th, 2011 at 8:35 am
Fund switch hi a awmzia kan hriat phawt loh chuan eng tin nge kan Switch hlawhtlin theih teh lul ang?
Fund Switch awm zia chu ULIP ah investment kan lei tan chiah hian Fund duh thlan tur a lo awm ta a, HDFC Life Pension Plan hi entirnan hmang ta i la, chutah chuan heng fund te hi a lo awm ta a ni.
Liquid Fund II
Stable Managed Fund II
Defensive Managed Fund II
Balanced Managed Fund II
Equity Managed Fund II
Growth Fund II
Secure Managed Fund II
Growth Fund II hi kan thlan chuan kan unit neih zawng zawng kha Stock market ah a lut vek dawn tihna a nia, Stock market chu kan hriat angin a chang leh a sang a, a chang leh a hniam leh a, chutiang chuan a che reng a, Growth Fund II kan thlan chuan nitin in kan ULIP investment kha a che dawn tihna a nih chu, a chang leh a hniam anga a chang leh a sang ang. Hemi che vel hi Nifty/Sensex chart ah lo thlir tur a ni. Chutiang bawk in Liquid Fund II kan thlan chuan kan unit neih ho kha nitin a che ve tawh lo anga, Stock market crash/Bear Market eng zat sawmsarih hmun sawmsarih pawh awm se a him tawh tihna a ni. Mahse a pung hi a tlem hle thung Bank Fixed deposit ang vel a ni. http://business.rediff.com/report/2009/jul/14/perfin-all-about-liquid-funds.htm
Ti zawng hian sawifiah teh ang. Rs 10000 in mahni in Bank Fixed Deposit atangin Mutual Fund (Equity) ah sawn kual tawn chhen thin ta i la, chutiang chu Fund Switch hi a ni.
Stock market ah chuan a pawimawh ber lai kan sawi cham chi chu “when to pull the trigger?” tih kha a ni. Hemi lai hi ULIP ah Fund Switch dawn chuan “When to switch?” kha a pawimawh ta a ni.
ULIP ah investment kan ti duh a nih chuan heti hian en a tha, Nifty/Sensex a san lai a lei a nih chuan Liquid Fund II thlan phawt tur a nia, tichuan Nifty/Sensex hniam veleh Growth Fund II ah Fund switch hmiah tur ti chuan NIFTY/Sensex a rawn san veleh Liquid Fund II ah switch let leh tur a ni. Tikhan a hun taka Switch fuh chuan a pun phah thei a ni. Fund Switch hi Swing Trading angin a hman theih tihna a ni “Buy Low Sell high”. Mahse a opposite zawnga a Switch chuan Hero to Zero a ni mai 🙂
Hetiang hian Nifty Chart Multi monitor atanga en kawp in fund Switch hi ka ti kual thin. Tunah tak hian Liquid Fund II ah Fund Switch leh daih tawh a chhan chu Market sentiment hi a bearish tlat. http://maawma.com/wp-content/uploads/2011/07/fundswitch.jpg
Fund Switch hun in hriat duh chuan “The Bears Growl” series hi lo chhiar mai teh un. http://maawma.com/?p=957
Fund manager hian engtikah mah Fund switch hi an rawn ti lo ang, Wall Street broker hoin Managed Account an tih nen hian hriat pawlh loh a tha. Managed account ah chuan Professional Trader (Certified CFT, CFA, CMT & CTA) emaw trading Track record nei tha hoin an client te an tih sak thin man chawi in, hei hi India ah hian an tan tawh em ka chiang chiah lo. Fund Manager ah te hian in nghat lutuk suh u, Nifty/Sensex san laiin ULIP ah lo invest ta ula Growth Fund II ah ngei mai, tichuan Bear market nasa tak rawn thleng ta se, market sentiment in a rawn hril a nih ngawt loh chaun Fund manager pakhat ve mai hian engti kawng mahin mi mal in Bull market an siam thei lo, hmabak chu mahni a mal tuar ngawt ngawt a ni mai.
July 12th, 2011 at 4:41 pm
A va han fiah chiangkuang tak em. hin tak em.
July 12th, 2011 at 6:45 pm
27 : ka post i rawn sawifiah a, ka lawm em em e… Ka kawm duh zawng tak i ni..:-)
July 12th, 2011 at 7:22 pm
@Mr Holms ti hian kan in kawm a ni nghal zel mai lom 🙂