ULIP Vrs Mutual Fund

ULIP Vs Mutual Fund

Mizoram ah ULIP hi invest-na hmanraw tha ber thaw thangin an chhuah thin. A chhan ni thei bera ka rin 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 ka ring 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 aia la tlem zokin Mutual fund a neih theih bawk.. ULIP ah Rs.2,00,000-3,00,000 velin luman Rs 25 lacs anlei tlangpui 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. 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 kan dah lang ang e. 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;

ULIP;

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, bum nawm-in lo awm tawh suh…  Ka Lawm e.

Zawlbuk Real Estate

Zawlbuk Real Estate chungchang ah hian zawhna ka hmu thin mai ni lovin ka dawng thin a, Ka ziak hreh deuh hlek thin, mahse ka mutheilo (mu theilo lehpek) in ka ngaihtuah chet chet hnu in “aaa ziak pawp mai teng, anih na tak hriat hi tu tan pawh a tha zawk e” ka ti ta a. ‘Un-Professional Code of Ethics’ kan bawhchhe riau riau ang tih te pawh ka hlau hlel love, han professional lem lo mahila 

A nihna tak chu hei hi a hi e. A LEM anni lo. Sub-Broker angin Mizoram ah an operate berin ka hria. An business run dan (inziah dan tlangpui) ah chuan anmahni hian an va deal a ang ber. Property dealer ang deuh in. Mimal, society etc. te tan an inhmun, commercial place tur te lo zawn saka, enge hlawk ber anga tih lo zawn sak tu an ang deuh ber. Chutiangin a hralh duh te tan pawh.

Mahse, Mizoram ah chuan hetiang ti ta lo hian, sum an khawnkhawm ringot hian mi rilru a tibuai ta ber niin a lang. Real estate investment ah hian chi 2 a awm a: 1. Direct property Investment ( Anmahni in building, plot, etc te leiin a pung tur beisei-na nen anva invest ang).  2. Indirect property investment ( Mutual Fund ang deuh hian, hetianga hlawkna pe thei tu tur lo zir chianga, sawrkar hriatpui-na nena pawl indin ah te ava dah theih leh).

Hetah hian a 2-na hi India ramah ala awm ve tlat lo. A khawi inhmun, ram, building hian nge hlawk-na pe thei anga, enge reliable ber ang tih lo zirchiang tu tur, sawrkar registration nei leh sorkar regulate thlap an awm ve lo. Chuti a nih chuan zawlbuk real estate hian anmahniin (Direct Investment) an run ve tawp angai tihna.

Real estate investment Trust (REIT) anti maia, ram dang (India nilo) ah chuan an hmang deuh fur tawh a ni. Anni hian stock market-a in register company ten a share ang zawnga an pe chhuak ang hian mipui tan antih sak thin. Tuna Zawlbuk real estate tih danah chuan anmahni hian an rin zawng leh a pung tha tura an rin ho ah pawisa an zuk invest tawp (Inhmun, nakina apung beisei rana i lei anih chuan investment anga chhiar a ni) mai ni berin a hriat. Entirna:

Aizawl veng thenkhat, in luahman leh inhmun pun chak em em na bik (E.g Zarkawt, Chanmari etc) ah an pawisa khawnkhawm hmangin anlo lei then ve ta a, a floor khat/hnih chauh emaw, a building tawp emaw, a hmun(plot) chauh emaw. Chuan Inhmun/luahman etc. a lo to chuan a hlawk-na kha an pawisa puk-na te hnen ah an sem darh ve leh ta thin tihna  anih chu. ( Anni hian heta tang hian Ei an nei ngei bawkin a rin- awm, MF angah chuan a hlawk-na an hmuh ang ang an sem chhuak leh vek)

Heta ka sawi duh pakhat chu, a risk a sang em em. An zuk invest na hi mimal leh pawl, company etc te inhmun leh building velah ani maia. An market practise danah hian sawrkar in regulation mumal ala neilo zui (An duh dan leh rilrem zongin an chalai thei tihna tluk ). A market tur lo research tih velah pawh tute nge lo titha tawh, tute nge past performance tha deuh ti-a han chhui zui tur an awm ve tlat lo( Mutual Fund leh Insurance ULIP te angah chuan an past performance a zirin pawisa zuk dahna tur kan thlang tlangpui thin).

Direct investment ti mai ila, real estate company lian (DLF, Unitech etc.) ah te an share leia invest pawh hi a risk a sang bon top.  Tun market tlak vak lai pawh hian 60% velin an tla dawrh bik mai ni. Chutah Satyam Scam ( Book of Account atanga mipui leh regulator aka SEBI a lo bum reng na kha) atang khan Real Estate Company ho hi rinhlelh-na a nasat em avangin an tla leh rawih rawih bawk. (Satyam scam hma-in DLF share Rs.1100/- vel a ni a, Satyam scam hnu deuh kha Rs.125 velah a tla rawk2 mai ani). A chhan chu an book of account hi access theih a ni tlat lo, anmahni chuan a dik loh-na a awm hran lo, chu ti khati anti ve bawka, India ram expert leh FII ho rinhlelh an la kai tlat.

Chuvangin REAL ESTATE INVESTMENT hi risk la sang ngam lo tan chuan pan chi a nilo.

Aam Admi Bima Yojana (Aam Admi) hi enge?

Social Security Scheme (Insurance) peng pakhat a ni a. Hemi hnuai ah hian kuthnathawka eizawng tute tan tih bik a ni. Landless hi anti deuh kher a, Mizoram ah chuan BPL tan lak theih turin sawrkar hian a ruahman thei a ni. State sawrkar kaih hruaina hnuai ah agency siamin a din theih bawk (Mizoram ah din ala nilo).

Chhungkaw eizawng tu ber, pa ber emaw, nu ber, tlangval neih chhun etc an boral emaw, hnathawk thei lova anlo awmin he scheme hian a thlawn liau liau in Rs. 75,000/- a pe thei a ni. Chutah chumi vanduaina tawk te fa (mipa leh hmeichhia) ten an zirlai an chhunzawm theih nan thlatin Rs. 100 ve ve, a tam berah fa pahnih tan pek a ni bawk.

NLUP sum kan beisei sup sup khawp hian he thil hi beisei ve chi a ni khawp mai. A premium ti mai ila, hemi cover neih theih nana sum thawh ngai hi Rs.200 per person chiah a ni, chutah 50% hi state sawrkar thawh tur, a dang 50% hi central Sawrkar, a cover te ber thingtlang lo neitu bak berh tak tak ten cheng khat pawh an thawh a ngai loving.

Hetiang hi kan sawrkar hian ngaihven deuh se a lawmawm khawp ang. Tin, henglo pawh, State sawrkar contribute tur scheme hrang hrang hi a tam khawp mai. NLUP ah Rs.1,00,000/- an phal ta rau rau, chhungkaw khata Rs.100 thawhsaka an vanduai na tawh palh huna Rs.75,000/- anlo dawn ve na tur ngaihtuahsak hi sawrkar tih makmawh a ni e.

Pension

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