laabh dhoran

napha-saha dhoran (rashtrakul) kinwa sahbhagi dhoran (yuu.ess.) haah eka vima karar aahe joou jeevan vima companychya nafyat sahbhagi hoto. hii company anekada paraspar jeevan vima company asate kinwa jevha tine nafyasah utpadananchi malika suru kelee tevha tee eka hotee. europe khandasarkhya itar deshanmadhyehi ashach prakarchya vyavastha aadhaltat.
anek varshant nafyasah dhorane vikasit jhaali. moolatah teey aniyojit atirikt vitaran karnyache sadhan mhanoon vikasit jhaale, udaa.jee. apekshit mrutyuchya pramanapeksha qamee. alikadech dirghakalin bhandavali vaadh sadhya karnyachya uddeshane adhik sahsi guntavanuk dhoran rabavanyasathi lavchikta pradan karnyasathi tyancha vapar keela gela aahe. dirghakalin samoohik guntavanukicha eka prakar mhanoon teey sweekarle gele aahet, jyamadhye guntavanukdar aarthik takad, aitihasik paratava aanee deu kelelya kararachya atinsarkhya ghatakanchya aadhare vima companychi nivad karato.
napha-saha aanee napha-nasalele policidharkanni bharalele hapte vima companychya jeevan nidhimadhye (rashtrakul) kinwa samanya khatyat (america) jamaa kele jaatat. company davyanchi paratfed karnyasathi ektrit malmattecha vapar karate. jeevan nidhicha motha bhag sambhag, rokhe aanee malmattet guntavala jaato, jyacha uddesh ekoon uchch paratava midvane haah asato.
vima companyche uddisht tyachya nafyacha kahee bhag nafadharkanna tyanchya policyshi sanlagn bonus (rashtrakul) kinwa labhansh (usa) chya swarupat vitarit karane heey aahe (bonus vibhag pahaa). bonus darr haah antarnihit malmattanvaril paratava, mageel varshant ghoshit kelelya bonaschi patali aanee itar vima gruhitke (visheshtah bhavishyatil dayitve aanee apekshit guntavanuk paratava), tasech vipananvishayak vichar yasarkhya vividh ghatakancha vichar kelyanantar tharavala jaato.
dhorananche prakar.
laabh-dhorananche done mukhya prakar aaheth
paramparik aanee ekatmik.
paramparik laabh-saha-kararanmadhye eka moolbhut hummy rakkam asate jyamadhye bonus jodale jaatat. vimyachi moolbhut rakkam hii mrutyunantar dey asaleli jeevan hamichi kiman rakkam aahe; denagi kararansathi tee paripakvata velee dey asaleli kiman ekarakami rakkam dekhil aahe.
hamichi moolbhut rakkam ulat bonus aakarshit karate, jyacha vapar policymadhye napha vitarit karnyasathi keela jaato. ekada riversionary bonus jodala gelyanantar too policymadhun kadhoon takala jaau shakat nahee. hamichi moolbhut rakkam aanee bonus milanyasathi aavashyak hapte kayam thewale gele asavet. jarr hapte kayam thewale gele nastil, tarr qamee keleli rakkam (kinwa kahee prakarananmadhye ekahi nahee) dilee jaeel. vima rokhyansathi, moolbhut hummy rakkam aanee bonus heey yojaneche moolya darshavtat. jevha policy paripakv hote, tevha policycha adyap vitarit naan jhalela napha darshavinyasathi antim bonus jodala jaau shakato.
dhoran moolya anek ghatak mhanoon vyakt kele jaate heey vagalata ekatmik laabh-dhoran tyach prakare karya karate. vegvegalya vima kampanyanni vividh models sweekarle aahet, parantu samanyatah ektarah
jaree hii policycha sanrachanatmak bhag nasoon kalpanatmak asoo shakate, taree dengya ajunahi hamichi moolbhut rakkam (bahutansh prakarananmadhye) rakhoon thevatat.
1970 chya dashakat upalabdh jhalelya ekak-sanlagn jeevan dhorananchya spardhes pratisad mhanoon ekatmik laabh-dhorananchi suruvat karnyat aalee. ekatmik aavrutti paramparik aavruttipeksha kahishi qamee apardarshak hotee, qamee atirikt rakkam mage thewali gelee aanee nafyasah aanee ekak-sanlagn nidhimadhye badal karane dekhil shakya jhaale.
paramparik dhorananmadhye tyanchya hamichya moolbhut rakmechya karar swarupadware pradan kelelya hamicha eka ghatak asato. nafyashi sambandhit nasalelya yaa hummy ghatakamule vima companyanna vastavadi ahwal vyavasthet samasya nirman jhalya aahet (khalee pahaa). aaj jaaree keleli bahutek dhorane ekatmik asatat aanee bahutekda jeevan companychya purn nafyat bhag ghenyaivaji jeevan nidhichya ring-fencing up-nidhimadhye thewali jaatat.
chikatavane.
laabh-nidhisah nidhi gulgulit karnyachya sankalpanecha vapar karatat. mhanjech, kharab kamgirichya varshanmadhye vajvi paratava deela jaeel heey sunishchit karnyachya uddeshane changlya varshanmadhye midavalelya nafyache praman mage thewale jaate. itar sambhag kinwa sambhaganchya dainandin kimmatit samanyatah samanyatah chadhautaranchya ulat, yacha parinam ekak kimmatichya vadhivar sahaj parinam houu shakato. heey aanee smothingchya samanya sankhyikeey bhavnemadhil eka mahattvacha farak mhanje bhavishyatil ghadamodinchya dnyanashivay teey karnyacha prayatna karava lagato, jyamule 'smooth' moolya 'anmoot' mulyachya reshebaher pudhe aanee pudhe jaau shakate, jyamule bhavishyat kadhitari tivra durusti aavashyak aahe.
bonasache prakar.
vima kararachya kalavadhit eka ulat bonus deela jaato aanee too paripakvata kalat deela jaeel yachee hummy dilee jaate. ghoshana kelyanantar tee kadhoon takali jaau shakat nahee. varshik bonasache done bhag asoo shakatat. hummy bonus hii samanyatah prati 1,000 poundchi hummy rakkam mhanoon vyakt kelee jaanari rakkam aahe. heey dhoranachya suruvatila nishchit kele jaate aanee sahasa tyat badal karata yet naheet. urvarit varshik bonus haah nidhine midavalelya guntavanukichya paratavyavar avalambun asel, joou suralit hoil.
antim bonus deela jaato aanee paripakvata jhalyavar aanee kadhikadhi policyche samarpan kartana deela jaato. tyamule, kararachya paripakvatapurvi teey adnyat aahe. yala kadhikadhi antim bonus mhanoon sambodhale jaate. antim bonus haah nidhichya tyaa pramanavaril sadasyachya adhikarache pratinidhitva karato joou nidhi suralit karnyachya uddeshane mage thevanyat aala aahe. kahee vishisht paristhitinmadhye, ekoon dhoran moolya qamee karnyasathi, sadasyanchya vajvi bhagachya vajvi gunankaparyant deyake maryadit karnyasathi, bajar moolya samayojankarta lagoo keela jaau shakato.
bonasache konate mishran bharayache heey tharvanyache kahise swatantrya vima companyla aahe. vima company qamee varshik bonus aanee uchch antim bonus denyacha nirnay gheu shakate. asha prakarchi policy vima companyla guntavanuk bajarat padnyapasun vachvel kaaran ekada dilele varshik bonus kadhoon ghetale jaau shakat naheet. tathapi, heey dhoran guntavanukdaransathi aakarshak nasel kaaran tyat anek hummy nasatat aanee paratava qamee darane (policychi paripakvata hoiparyant) midato.
kadhikadhi vima company kadachit companychya punarrachanemule kinwa apavadatmak guntavanukichya paratavyamule apavadatmak bonus denyacha nirnay gheu shakate. heey aajkal jawaljawal naan aikalele aahe.
bajar moolya qamee karane (emm. vhee. aar.).
bajar moolya kapat kinwa bajar moolya samayojan hii vima kampanidware jeevan nidhichya malmattevaril policychya yogya hakkanchya sandarbhat policychya paise kadhanyachi deyake vajvi aahet yachee khatri karnyasathi vaparali jaanari eka yantrana aahe. guntavanukichya kharab kamgirichya kalavadhinantar jeevan nidhichya malmattechya antarnihit mulyatil ghat pratibimbit karnyasathi paise kadhanyache moolya "qamee" kele jaate.
jokhim aanee vastavik jokhim.
anek guntavanukdaransathi (visheshtah vruddha guntavanukdaransathi) jamaa khatyansathi surakshit paryay mhanoon anek varshanpasun laabh-saha-dhoranankade pahile jaat hote. varshanuvarshe sthir vishvasarh paratavyachya aanee vima companyanchya anaitik vikrichya davpechanchya sanyogane, 'qamee jokhim asalelya' guntavanukdarane nafyasah guntavanuk karavi ashee dharana nirman jhaali. hii qamee jokhim asalyache lakshat aalyane, paratava midvanyasathi uchch sambhagatil guntavanuk aanee uchch jokhim asaleli vittiy sadhane sadhane anek vima companyanchya antarnihit guntavanuk dhorananche vastav khote tharale.
2000 chya dashakachya suruvatichya kalat aswal bajarachya madhyabhagi, 'bajar moolya kapat' lagoo jhalyanantar grahakanchya vadhatya takrarinna pratisad mhanoon, yooke niyamkane (vittiy seva pradhikaran) napha-puravathadaransathi eka naveen niyamak vyavastha lagoo kelee. vastavadi ahwal vyavasthecha ektrit parinam assa jhaala qee vima kampanyanni tyanche adhik nidhi qamee jokhim asalelya guntavanukinmadhye (corporate rokhe aanee gilts) dene aavashyak hote, jenekarun dayitvancha samavesh karata yeil aanee bhavishyatil paratavyacha adhik achook andaj lavnyasathi nidhichya naveen malmatta mishranachya anushangane andaj darr qamee karata yeteel.
niyam.
policyche moolya ektar hummy dilelya moolbhut rakmeche sadhyache moolya aanee dilele bonus, bhavishyatil qamee hapte (paramparik kararansathi) kinwa ekatmik laabh-dhoranasathi boolii moolya asate. heey moolya sthoolpane antarnihit malmattechya mulyachya samatulya aahe. tathapi, guntavanukitil chadhautaranmule aanee policy jaaree kartana jhalelya kharchamule, heey moolya antarnihit malmattechya bajar mulyapeksha jaast asoo shakate.
yogya niyaman naan karata vima kampanikade tyachya policyche moolya bharnyasathi purese paise nastil. brittenmadhil nyayya jeevan hummy sansthechya babatit asey ghadale hote, jevha kahee policidharkanna aashvasan dilyapramane nyayalayanni nishchit kelelya varshiki hamichya kharchacha arth assa hota qee companyla naveen vyavasay suru karane thambavave lagale aanee company jawaljawal kosalali.
united kingadammadhil vittiy seva pradhikaranane (eff. ess. aii.) yacha parinam mhanoon aanee itar vyavasthapan apayshanmule vima company bajarat padalyas companyche sanrakshn karnyasathi pureshi vinamulya sathavanuk thevate yachee khatri karnyasathi niyamanat badal keela. naveen moolyankan paddhatisathi, atirikt "stambh" mhanoon, nidhichya malmatteche aanee vadhichya sambhavyateche vastavadi moolyankan aavashyak aahe. yavyatirikt, pratyek sansthene aata pratyek napha-nidhisathi "vittiy vyavasthapanachi tattve aanee paddhati" (pii. pii. eff. emm.) navacha eka dastaivaj prakashit karane aavashyak aahe, jyamadhye malmatteche vibhajan aanee nidhisathichya vyavasthapan prakriyeche spashtikaran aahe. hii kagadpatre, jaree atishay tapshilvar asali taree, grahakansathi mothya pramanat samajanyajogi naheet aanee keval swatantra vittiy sallagar aanee itar udyog vyavsayikansathi upayukt aahet asey manale jaate aanee company atirikt vitaran kase karate yavar adthala mhanoon dekhil kaam karatat. 
vastavadi ahwal paddhaticha ullekh manak jeevan hummy companychya parasparvirodhikaranat yogdan denara ghatak mhanoon keela gela aahe.
americet, vima companyanche rajya-darr-rajya aadharavar niyaman kele jaate. tathapi, tyanni jyaa rajyat tyancha samavesh keela aahe tyaa rajyachya aavashyaktanchech navhe tarr jyaa rajyat teey parvanadharak aahet tyaa pratyek rajyachya niyamanchehi palan kele pahije. vima aayuktanchi rashtriy sanghatana (aine. aii. aay. see.) suchavaleli margdarshak tattve pradan karate, jyanche palan pratyek rajya karoo shakate kinwa shakat nahee. udaharanarth, vima mahitee sanstha, "jeevan vima kampanya heey nayakchya aantarrajya vima utpadan niyaman kararanche uddisht aahet, jee 2002 madhye jeevan vima utpadanansathi twarit punaravalokan aanee niyamak manjuri pradan karnyasathi eksaman manke aanee kendriya samashodhan kendra vikasit karnyacha eka marg mhanoon suru karnyat aalee."
pratishtha.
anek varshe napha-nidhi khoop lokpriy hota aanee united kingdam aanee americet asha dhorananchi mothya sankhyene vikri kelee jaat hotee.
emm. vhee. aar. ess. chya parichayamule alikadech nafyasah nidhimadhye mothya pramanat nakaratmak prasarmadhyame aahet. yamule lokanna bonus darr nishchit karnyatil apardarshakta aanee sarvasadharanpane utpadanachya atee-guntaguntivar prashna vicharave lagale aahet. samajoon ghenyajogya sopya utpadananna alikadech protsahan denyat aale aahe aanee paramparik laabh-nidhiche swaroop asha sopya dhorananshi julat nahee. adhik nidhi-prakarche utpadan, see. pii. pii. aay. kinwa gulgulit vyavasthapit nidhi yasarkhe paryay grahakanmadhye adyap lakshaniy lokpriyata darshavu shakalele naheet.
dusare mhanje nyayya jeevan companyne kararatil hamisah mothya sankhyene dhorane vikali. nyayalayin prakarananchya malikenantar kahee dhoranansathichya hamiche swaroop punha spasht kele gele, jeey adhik katheen jhaale. companyla yaa hummy purn karane aavashyak asalyane, sarvasadharanpane tyachya policidharkanna bonus vatap karnyasathi upalabdh asaleli rakkam mothya pramanat qamee karnyat aalee, jaree companyne yaa bonaschi dekhbhal kelee jaeel yaa aadharavar andajit labhanchi udaharane dilee hotee. yamule companyne jaaree kelelya anek dhorananche moolya qamee jhaale. yaa kapatis lakshaniy nakaratmak prasiddhi midali aanee nafyasah dhorananchya pratishthela haanee pohochali.

