Nang Bang Dan Nam Sumkholmet-sak Mi Na Hiam?

 Sumkholmet-sak ciang in ah, mikhem peuh portfolio nam khat bek ah ki ta-gai-lo hi. Na sumkholmet-sak dan ding pen nang e na dinmun, cih ciang in ah -> na kum, alau-huai thuakzawh na lungsim, na nuntak zia, leh na kisap te cih dan a hihi.

A Lauhuai Thuakzawh na Lungsim

A lauhuai thuakzawh na lungsim in na portfolio thusai(met ding maw metlo ding) pen ding hi, aikeileh a lauhuai te nang bang ci vaihawm. A lauhuai thuakzawh na lungsim pen nang e dan(na luhek, gamtat...) leh hun bang tan nei cih te tung ah ki nga ding hi. A huam kim in gen ding ci leng, hun tam a nei zaw sumkholmetsak-nuam-te pen a khiat na pan in ah a thawh kik hun ding hun nei zaw hi. Gentehna in, a naupang zaw sumkholmetsak-nuam khat in ah, a sum a lom in a khang theih na ding in ah a sumsup ding a lauhuai zaw te zong hih zaw ngam ding hi. A kumtam-tawlnga kuan sumkholmetsak-nuam khat in ah, hun tawm nei zaw in, sumsup ding aa a lauhuai te zong sawk nuam lualo zaw ding hi.


Bangbang ih ci zong in ah, ih ngaih sut ciang in hun bang zah nei cih thu pen bek ngaih sut ding hilo hi. A lauhuai na-thuakzawh na pen na thuak ngei sa te leh nang e dan tung ah zong ki nga lai hi. Sumkholmetsak-nuam te pawl khat a ding in a lian zaw a khang na ding in ah amau e portfolio a kiat pen a et ding in man neilo hi.

Khat na theih ding in ah, sumkholmetsak-nuam ciang in ah sum ki suum thei cih a lauhuai thu pen khengtheih loh thu hi. Tanglai aa a ki zang sumkholmetsak dan te ah zong sumsup ding a lauhuai pen om veve hi. Gentehna in ah, nang pen tanglai-thu tawh gamta in ah, summan kiam lauhuai na, aikeileh van leh mi-cial man tha man te pen khang semsem in na sum a man neih na kiam semsem ding aa, na ngimna na tung na ding in hong nawng kai sak thei ding hi.


Tua a lauhuai sumsup theih na pen ki pel theilo a hih man in, a lauhuai na a tawm theithei na ding in, a hih theih na ding sumkholmetsak-na lampi tuamtuam in hong huh thei ding hi. Bangbang ih ci zong in, a lauhuai tawm semsem leh sum-ngah kik zong tawm zaw pah cih na a hihi.

Hih a naui aa lim en leng, portfolios kum khat a ding summet ngah a lauhuai thuakzawh na a tuamtuam te ki mu thei ding hi. Sumkholmetsak-na tuamtuam te ki gawm na hang in ah, tua portfolios te zong a lauhuai na ki lamdang dan zong ki bang lo pah hi. A nuai ah na muh mah bang in ah, a lauhuai na tawm portfolios pen kum hoihlo pen ah a dang te sang in sia lualo in, kum hoih pen ah zong a dang te sang in hoih lualo pah hi.


A lauhuai na a sang pen leh a ngiam pen a ki lamdang na pen 13.75% hi in, a lai pen 2.65% bek a hihi. Hun saupi a ngaih sun sumkholmetsak-ten ih theih ding pen A hoihlo pan A lailam ki khin, tau a khiat na in a lauhuai a sang pen hi ta leh a ngiam pen hi ta leh alai(pongman) mun mah ah pai kik zaw hi. Hih a tung a lim genteh na pen kum khat a ding bek hi a, hun sau ngaih sun sumkholmetsak-nuam te a ding hilo hi. Aihiang in ah kumkhat sung in 16% a kiam pen na thuak zawh kei a leh, nang pen a lauhuai thuakzawh na neilo hi teh.

Na Kisap Te

Bang dan nuntak na nungta nuam na hiam? Bang ngim na pen nang a ding thupi a hiam? Mopawi a ding aikeileh na ta sang kah na ding sum na khol leh, a lauhuai thuakzawh na in na hun ciangtan zah pen hong ki lamdang sak ding hi. Khat veivei ciang, ngimna khat a ding sum na khol ciang in, a dang sumtawh kisai ngim na na hih teng na khawl phot kul hi. Na kisap, na deih, na lamet cih dan in na ngim na pen na khen khak kul ding hi.


 

Kumtamtawlngak-hun tawh ki tuak na ngimna a ding in, kum na tam semsem ciang nang bang teng ki sam ding cih limtak in na ngaihsut kul ding hi. Kumtamtawlngak-hun lam ah a pil a siam te in, kumtamtawlnga ding ten pen a mau nungtak zia a ki laih loh na ding in a kumtamtawlngak kha sum 80% bang ki sam ding ci uh a, tua zong khat leh khat a ding ki banglo lai ding hi. Na kumtamtawlngak-hun ciang in na nasep na khasum lut a lite ding % pen wage replacement ratio ki ci hi.


 

Mailam ah, na kisap ding te leh, kum bang zah nung ta ding cih ten na sumkholmetsak-na ngim na, ki lite sak kha thei ding hi. Kumtamtawlngak-hun ciang a na nuntak zia tu a sang aa a hoih zaw sak nuam sumkholmetsak-nuam te leh kumtamtawlngak-hun ciang aa sum tawm a zat sawm sumkholmetsak-nuam te a sumkholmet-sak zia uh ki bang lo pah ding hi.

Mi khat leh khat e kisap leh ngimna te a tuamtuam om mah ding hita se leh, sumkholmetsak-nuam te a ding a ki bang gai khat pen: mailam nuamtak a nuntak theih na ding leh lungmuang na a neih na ding in sumkholmetsak pen ngimna ki bang gai ciat phial a hihi.

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