ื“ืœื’ ืœืชื•ื›ืŸ ื”ืจืืฉื™
ืžื•ืžืœืฅ 2026

ื‘ื™ื˜ื•ื— ืจื›ื‘ ืžื•ืžืœืฅ 2026

ื‘ื“ืงื ื• ื•ื“ื™ืจื’ื ื• ืืช 5 ื—ื‘ืจื•ืช ื‘ื™ื˜ื•ื— ื”ืจื›ื‘ ื”ืžื•ื‘ื™ืœื•ืช ื‘ื™ืฉืจืืœ ืœืคื™ ืžื—ื™ืจ, ืฉื™ืจื•ืช ื•ืื—ื•ื–ื™ ืื™ืฉื•ืจ ืชื‘ื™ืขื•ืช. ื”ืžื“ืจื™ืš ื›ื•ืœืœ ื”ืžืœืฆื•ืช ืžื•ืชืืžื•ืช ืœืคืจื•ืคื™ืœ ืฉืœืš - ื ื”ื’ ื—ื“ืฉ, ืฆืขื™ืจ, ืžืฉืคื—ื” ืื• ื‘ืขืœ ืจื›ื‘ ื—ืฉืžืœื™.

ืœื“ื™ืจื•ื’ ื”ืžืœื

ื’ื™ืœื•ื™ ื ืื•ืช: ื“ืฃ ื–ื” ืขืฉื•ื™ ืœื›ืœื•ืœ ืงื™ืฉื•ืจื™ ืฉื•ืชืคื™ื ืœื—ื‘ืจื•ืช ื‘ื™ื˜ื•ื— ื•ืกืคืงื™ ืฉื™ืจื•ืชื™ื. ืื ืชื‘ืฆืขื• ืคื ื™ื™ื” ืื• ืจื›ื™ืฉื” ื“ืจืš ืงื™ืฉื•ืจื™ื ืืœื•, ืขืฉื•ื™ื” ื”ื—ื‘ืจื” ืœืงื‘ืœ ืขืžืœื” โ€” ืœืœื ืขืœื•ืช ื ื•ืกืคืช ืขืœื™ื›ื. ื˜ื•ื•ื—ื™ ื”ืžื—ื™ืจ ื•ื”ืชื ืื™ื ืฉื‘ื“ืฃ ื”ื ืœื”ืชืจืฉืžื•ืช ื›ืœืœื™ืช ื‘ืœื‘ื“, ื•ื”ืžื—ื™ืจ ืฉื™ื•ืฆืข ืœื›ื ื ืงื‘ืข ื‘ื”ืฆืขื” ืื™ืฉื™ืช ืžื•ืœ ื”ื—ื‘ืจื”. ืคืจื˜ื™ื ื ื•ืกืคื™ื

ืžื‘ื˜ ืžื”ื™ืจ

3 ื‘ื™ื˜ื•ื—ื™ ื”ืจื›ื‘ ื”ืžื•ืžืœืฆื™ื ื‘ื™ื•ืชืจ

ื‘ื—ื™ืจืช ื”ืขื•ืจื›ื™ื
#1

ืœื™ื‘ืจื”

ืžื” ืžืืคื™ื™ืŸ: ืชื‘ื™ืขื” ืžื•ื’ืฉืช ื•ืžื ื•ื”ืœืช ื‘ืืคืœื™ืงืฆื™ื”

ืžื™ ืฉืจื•ืฆื” ืฉื™ืจื•ืช ืžืขื•ืœื” ื‘ืžื—ื™ืจ ื”ื•ื’ืŸ - ืžืงื™ืฃ

#2

ืื™ื™ืœื•ืŸ

ืžื” ืžืืคื™ื™ืŸ: ืžืชืžื—ื” ื‘ืคื•ืœื™ืกื•ืช ื—ื•ื‘ื” ื•ืฆื“ ื’

ืžื™ ืฉืจื•ืฆื” ื‘ื™ื˜ื•ื— ื—ื•ื‘ื” ืื™ื›ื•ืชื™ - ื”ื˜ื•ื‘ ื‘ื™ื•ืชืจ ืœื—ื•ื‘ื”

#3

ื”ืคื ื™ืงืก

ืžื” ืžืืคื™ื™ืŸ: ืขืจื•ืฆื™ื ื“ื™ื’ื™ื˜ืœื™ื™ื ืœืฆื“ ืจืฉืช ืกื•ื›ื ื™ื

ืžื—ืคืฉื™ ืื™ื–ื•ืŸ ื‘ื™ืŸ ืžื—ื™ืจ ืœืฉื™ืจื•ืช ืžื•ื›ื—

ืงื‘ืœ ื”ืฆืขืช ืžื—ื™ืจ ืœื‘ื™ื˜ื•ื— ืจื›ื‘

ื”ืฉืื™ืจื• ืฉื ื•ื˜ืœืคื•ืŸ โ€” ื ืฉื•ื•ื” ืขื‘ื•ืจื›ื ื‘ื™ืŸ ื—ื‘ืจื•ืช ื”ื‘ื™ื˜ื•ื— ื”ืžื•ื‘ื™ืœื•ืช. ื—ื™ื ื ื•ืœืœื ื”ืชื—ื™ื™ื‘ื•ืช.

1 ื‘ื—ืจ ืกื•ื’ ื‘ื™ื˜ื•ื—

ื‘ืื™ื–ื” ื‘ื™ื˜ื•ื— ืืชื” ืžืขื•ื ื™ื™ืŸ?

ื“ื™ืจื•ื’ ื—ื‘ืจื•ืช ื‘ื™ื˜ื•ื— ืจื›ื‘ 2026

ื ื™ืชื•ื— ืžืคื•ืจื˜ ืฉืœ 5 ื”ื—ื‘ืจื•ืช ื”ืžื•ื‘ื™ืœื•ืช ื‘ืฉื•ืง

1

ืœื™ื‘ืจื”

ืžื” ืžืืคื™ื™ืŸ ืืช ื”ื”ืฆืขื”
ืชื‘ื™ืขื” ืžื•ื’ืฉืช ื•ืžื ื•ื”ืœืช ื‘ืืคืœื™ืงืฆื™ื”

ื™ืชืจื•ื ื•ืช

  • ืชื”ืœื™ืš ืชื‘ื™ืขื” ื“ื™ื’ื™ื˜ืœื™ ืžืงืฆื” ืœืงืฆื”
  • ืžื—ื™ืจื™ื ืชื—ืจื•ืชื™ื™ื
  • ืืคืœื™ืงืฆื™ื” ืœื ื™ื”ื•ืœ ื”ืคื•ืœื™ืกื”

ื—ืกืจื•ื ื•ืช

  • ื—ื‘ืจื” ืฆืขื™ืจื” ื™ื—ืกื™ืช
  • ืจืฉืช ืžื•ืกื›ื™ื ื‘ื‘ื ื™ื™ื”

ืžื•ืžืœืฅ ืœ: ืžื™ ืฉืจื•ืฆื” ืฉื™ืจื•ืช ืžืขื•ืœื” ื‘ืžื—ื™ืจ ื”ื•ื’ืŸ - ืžืงื™ืฃ

2

ืื™ื™ืœื•ืŸ

ืžื” ืžืืคื™ื™ืŸ ืืช ื”ื”ืฆืขื”
ืžืชืžื—ื” ื‘ืคื•ืœื™ืกื•ืช ื—ื•ื‘ื” ื•ืฆื“ ื’

ื™ืชืจื•ื ื•ืช

  • ื”ืชืžื—ื•ืช ื‘ื‘ื™ื˜ื•ื— ื—ื•ื‘ื” ื•ืฆื“ ื’
  • ืžื—ื™ืจื™ื ืชื—ืจื•ืชื™ื™ื ืœืฆืขื™ืจื™ื

ื—ืกืจื•ื ื•ืช

  • ืจืฉืช ืžื•ืกื›ื™ื ื‘ื™ื ื•ื ื™ืช
  • ืคื—ื•ืช ืžื•ื›ืจืช

ืžื•ืžืœืฅ ืœ: ืžื™ ืฉืจื•ืฆื” ื‘ื™ื˜ื•ื— ื—ื•ื‘ื” ืื™ื›ื•ืชื™ - ื”ื˜ื•ื‘ ื‘ื™ื•ืชืจ ืœื—ื•ื‘ื”

3

ื”ืคื ื™ืงืก

ืžื” ืžืืคื™ื™ืŸ ืืช ื”ื”ืฆืขื”
ืขืจื•ืฆื™ื ื“ื™ื’ื™ื˜ืœื™ื™ื ืœืฆื“ ืจืฉืช ืกื•ื›ื ื™ื

ื™ืชืจื•ื ื•ืช

  • ื™ื—ืก ืžื—ื™ืจ-ืขืจืš ื˜ื•ื‘
  • ืฉื™ืจื•ืช ื“ื™ื’ื™ื˜ืœื™ ืœืฆื“ ืจืฉืช ืกื•ื›ื ื™ื

ื—ืกืจื•ื ื•ืช

  • ืžื—ื™ืจ ื’ื‘ื•ื” ืžืœื™ื‘ืจื”
  • ืคื—ื•ืช ืžืžื•ืงื“ ื‘ืจื›ื‘

ืžื•ืžืœืฅ ืœ: ืžื—ืคืฉื™ ืื™ื–ื•ืŸ ื‘ื™ืŸ ืžื—ื™ืจ ืœืฉื™ืจื•ืช ืžื•ื›ื—

4

ื‘ื™ื˜ื•ื— ื—ืงืœืื™

ืžื” ืžืืคื™ื™ืŸ ืืช ื”ื”ืฆืขื”
ืžื—ื™ืจื™ื ืชื—ืจื•ืชื™ื™ื, ืจืฉืช ืžื•ืกื›ื™ื ืงื˜ื ื” ื™ื—ืกื™ืช

ื™ืชืจื•ื ื•ืช

  • ืžื—ื™ืจื™ื ืชื—ืจื•ืชื™ื™ื ืžืื•ื“
  • ื—ื‘ืจื” ื•ืชื™ืงื” ื•ื™ืฆื™ื‘ื”

ื—ืกืจื•ื ื•ืช

  • ืคื—ื•ืช ืžื•ื›ืจืช
  • ืืคืœื™ืงืฆื™ื” ื‘ืกื™ืกื™ืช

ืžื•ืžืœืฅ ืœ: ืžื™ ืฉืžื—ืคืฉ ืžื—ื™ืจ ื˜ื•ื‘ ืขื ืฉื™ืจื•ืช ืžืขืœ ื”ืžืžื•ืฆืข

5

ืžื’ื“ืœ

ืžื” ืžืืคื™ื™ืŸ ืืช ื”ื”ืฆืขื”
ืจืฉืช ืžื•ืกื›ื™ ื”ืกื“ืจ ืจื—ื‘ื”, ืคืจืžื™ื” ื’ื‘ื•ื”ื” ื™ื—ืกื™ืช

ื™ืชืจื•ื ื•ืช

  • ืžื•ืชื’ ืžื•ื›ืจ
  • ืจืฉืช ืžื•ืกื›ื™ื ืจื—ื‘ื”

ื—ืกืจื•ื ื•ืช

  • ืคืจืžื™ื” ื’ื‘ื•ื”ื” ื™ื—ืกื™ืช ืœืžืชื—ืจื•ืช

ืžื•ืžืœืฅ ืœ: ืžื™ ืฉืžืจื›ื– ื›ืžื” ืคื•ืœื™ืกื•ืช ื‘ืื•ืชื” ื—ื‘ืจื” ื•ืžืงื‘ืœ ื”ื ื—ืช ืจื™ื›ื•ื–

ืžื” ื‘ืืžืช ืžื‘ื“ื™ืœ ื‘ื™ืŸ ื”ื”ืฆืขื•ืช?

ื”ื”ื‘ื“ืœ ื”ื’ื“ื•ืœ ื‘ื™ืŸ ื—ื‘ืจื•ืช ืื™ื ื• ื”ืคืจืžื™ื” ื‘ืœื‘ื“ ืืœื ืื•ืคืŸ ื ื™ื”ื•ืœ ื”ืชื‘ื™ืขื”: ื™ืฉ ื—ื‘ืจื•ืช ืฉื‘ื”ืŸ ื›ืœ ื”ืชื”ืœื™ืš ืžืชื ื”ืœ ื‘ืืคืœื™ืงืฆื™ื” ื•ื™ืฉ ื›ืืœื” ืฉืขื•ื‘ื“ื•ืช ืžื•ืœ ืกื•ื›ืŸ ื•ืžื•ืงื“ ื˜ืœืคื•ื ื™. ืฉื ื™ ื”ืžืกืœื•ืœื™ื ืœื’ื™ื˜ื™ืžื™ื™ื, ื•ื”ืฉืืœื” ื”ื™ื ืžื” ื ื•ื— ืœื›ื ื›ืฉืงื•ืจื” ื ื–ืง.

ืžื” ื›ื“ืื™ ืœืฉืื•ืœ ืœืคื ื™ ื”ื—ืชื™ืžื”: ืžื”ื• ื–ืžืŸ ื”ื˜ื™ืคื•ืœ ื”ืžืžื•ืฆืข ื‘ืชื‘ื™ืขื” ืžื”ืกื•ื’ ืฉืœื›ื, ื›ืžื” ืžื•ืกื›ื™ ื”ืกื“ืจ ื™ืฉ ื‘ืื–ื•ืจ ื”ืžื’ื•ืจื™ื, ืžื” ื’ื•ื‘ื” ื”ื”ืฉืชืชืคื•ืช ื”ืขืฆืžื™ืช, ื•ื›ืžื” ื™ืžื™ ืจื›ื‘ ื—ืœื•ืคื™ ื›ืœื•ืœื™ื. ืืช ื”ืชืฉื•ื‘ื•ืช ืืคืฉืจ ืœืงื‘ืœ ื‘ื›ืชื‘, ื•ื”ืŸ ืžืฉืชื ื•ืช ื‘ื™ืŸ ื—ื‘ืจื•ืช ื”ืจื‘ื” ื™ื•ืชืจ ืžื”ืคืจืžื™ื”.

ื”ืžืฉืžืขื•ืช ืœืฆืจื›ืŸ: ื’ื•ื“ืœ ื”ื—ื‘ืจื” ื•ืžื•ื›ืจื•ืช ื”ืžื•ืชื’ ืื™ื ื ืขืจื•ื‘ื” ืœืฉื™ืจื•ืช. ื‘ื“ืงื• ืืช ืžื“ื“ ื”ืฉื™ืจื•ืช ื”ืจืฉืžื™ ืœืคื ื™ ืฉืชื—ืœื™ื˜ื•.

ื–ื™ืจืช ื”ื‘ื™ื˜ื•ื— ื”ื™ืฉื™ืจ: ืžืขื‘ืจ ืœื—ื‘ืจื•ืช ื”ืžืกื•ืจืชื™ื•ืช ืคื•ืขืœืช ื‘ืฉื•ืง ื’ื AIG, ืฉืžืฆื™ืขื” ื‘ื™ื˜ื•ื— ืจื›ื‘ ื‘-AIG ืื•ื ืœื™ื™ืŸ ืœืœื ืกื•ื›ืŸ โ€” ืžืงื™ืฃ, ื—ื•ื‘ื” ื•ืฆื“ ื’', ืขื ื—ื‘ื™ืœืช ื—ื™ื•ื‘ ืœืคื™ ืงื™ืœื•ืžื˜ืจืื–' ืœื ื”ื’ื™ื ืฉื ื•ืกืขื™ื ืžืขื˜. ืžื™ ืฉืžืขื“ื™ืฃ ื”ืชื ื”ืœื•ืช ื“ื™ื’ื™ื˜ืœื™ืช ืžืœืื” ืžื•ืœ ื”ื—ื‘ืจื” ื™ืžืฆื ื‘ื›ืš ืืœื˜ืจื ื˜ื™ื‘ื”.

ืชื•ื‘ื ืช ืžื•ืžื—ื”: "ืžืงื™ืฃ ื•ื—ื•ื‘ื” ื‘ืฉืชื™ ื—ื‘ืจื•ืช ืฉื•ื ื•ืช"

ืจื•ื‘ ื”ืื ืฉื™ื ืงื•ื ื™ื ืžืงื™ืฃ ื•ื—ื•ื‘ื” ื‘ืื•ืชื” ื—ื‘ืจื” - ื•ื–ื• ื˜ืขื•ืช. ืœื™ื‘ืจื” ืžื•ื‘ื™ืœื” ื‘ืžืงื™ืฃ, ืื‘ืœ ืื™ื™ืœื•ืŸ ืžื•ื‘ื™ืœื” ื‘ื—ื•ื‘ื”. ื”ื˜ืจื™ืง: ืงื ื• ืžืงื™ืฃ ื‘ืœื™ื‘ืจื” ื•ื—ื•ื‘ื” ื‘ืื™ื™ืœื•ืŸ. ืชืงื‘ืœื• ืืช ื”ืฉื™ืจื•ืช ื”ื˜ื•ื‘ ื‘ื™ื•ืชืจ ื‘ืฉื ื™ ื”ืกื•ื’ื™ื, ื•ืœืขืชื™ื ื’ื ืžื—ื™ืจ ื˜ื•ื‘ ื™ื•ืชืจ ืž"ื—ื‘ื™ืœื”".

ืขืฅ ื”ื—ืœื˜ื•ืช: ืื™ื–ื” ื‘ื™ื˜ื•ื— ืจื›ื‘ ืžืชืื™ื ืœืš?

1

ืžื” ื™ื•ืชืจ ื—ืฉื•ื‘ - ืฉื™ืจื•ืช ืื• ืžื—ื™ืจ? ืฉื™ืจื•ืช โ† ืœื™ื‘ืจื” (ืžืงื™ืฃ) / ืื™ื™ืœื•ืŸ (ื—ื•ื‘ื”). ืžื—ื™ืจ โ† ื‘ื™ื˜ื•ื— ื—ืงืœืื™.

2

ืžื” ื”ืจื›ื‘ ืฉืœืš? ืจื›ื‘ ื—ื“ืฉ/ื™ืงืจ โ† ืžืงื™ืฃ ื‘ืœื™ื‘ืจื”. ืจื›ื‘ ื™ืฉืŸ (8+ ืฉื ื™ื) โ† ืฆื“ ื’' ืžื•ืจื—ื‘ ื‘ื‘ื™ื˜ื•ื— ื—ืงืœืื™. ื˜ืกืœื”/ื—ืฉืžืœื™ โ† ื”ืคื ื™ืงืก (ืกื•ื›ืŸ ืจืฉืžื™).

3

ื›ืžื” ืืชื” ื ื•ืกืข? ืคื—ื•ืช ืž-8,000 ืง"ืž/ืฉื ื” โ† ื‘ื™ื˜ื•ื— ืœืคื™ ืงื™ืœื•ืžื˜ืจ ื‘ืœื™ื‘ืจื”. ื™ื•ืชืจ โ† ื‘ื™ื˜ื•ื— ืจื’ื™ืœ.

4

ื™ืฉ ืœืš ืจื™ื‘ื•ื™ ื‘ื™ื˜ื•ื—ื™ื ื‘ืžืงื•ื ืื—ื“? ื›ืŸ โ† ืชื™ืฉืืจื• ืจืง ืื ื”ื”ื ื—ื” ืขื•ืœื” ืขืœ 20%. ืื ืคื—ื•ืช โ† ืขื‘ืจื• ืœืœื™ื‘ืจื” + ืื™ื™ืœื•ืŸ.

ื”ืžืœืฆื•ืช ืžื•ืชืืžื•ืช

ื‘ื™ื˜ื•ื— ืจื›ื‘ ืžื•ืžืœืฅ ืœืคื™ ืคืจื•ืคื™ืœ

ืœื ื›ืœ ื‘ื™ื˜ื•ื— ืžืชืื™ื ืœื›ื•ืœื - ืžืฆืื• ืืช ื”ื”ืžืœืฆื” ืฉืžืชืื™ืžื” ืœื›ื

ื ื”ื’ ื—ื“ืฉ

ืขื“ ืฉื ืชื™ื™ื ื•ืชืง ื ื”ื™ื’ื”

ื—ื‘ืจื•ืช ืžื•ืžืœืฆื•ืช:
ืœื™ื‘ืจื”ืื™ื™ืœื•ืŸ
ื˜ื•ื•ื— ืžื—ื™ืจื™ื: 4,500-9,000 ืฉ"ื—/ืฉื ื”

ื˜ื™ืค: ืœื™ื‘ืจื” ื•ืื™ื™ืœื•ืŸ ืžืชืžื—ื•ืช ื‘ื ื”ื’ื™ื ื—ื“ืฉื™ื ืขื ืžื—ื™ืจื™ื ืชื—ืจื•ืชื™ื™ื ื•ืฉื™ืจื•ืช ืžืขื•ืœื”

ืžื” ืœื—ืคืฉ:
ื”ืฉืชืชืคื•ืช ืขืฆืžื™ืช ื ืžื•ื›ื” ืœืชืื•ื ื” ืจืืฉื•ื ื”ืชื‘ื™ืขื•ืช ื“ื™ื’ื™ื˜ืœื™ื•ืช ืžื”ื™ืจื•ืชืืคืœื™ืงืฆื™ื” ืžืขื•ืœื”

ื ื”ื’ ืฆืขื™ืจ (17-24)

ื’ื™ืœืื™ 17-24

ื—ื‘ืจื•ืช ืžื•ืžืœืฆื•ืช:
ืœื™ื‘ืจื”ื‘ื™ื˜ื•ื— ื—ืงืœืื™
ื˜ื•ื•ื— ืžื—ื™ืจื™ื: 5,500-12,000 ืฉ"ื—/ืฉื ื”

ื˜ื™ืค: ืฉืงืœื• ื‘ื™ื˜ื•ื— ืœืคื™ ืงื™ืœื•ืžื˜ืจ ืื ืืชื ืœื ื ื•ืกืขื™ื ื”ืจื‘ื” - ื—ื™ืกื›ื•ืŸ ืฉืœ ืขื“ 40%

ืžื” ืœื—ืคืฉ:
ื‘ื™ื˜ื•ื— ืœืคื™ ืงื™ืœื•ืžื˜ืจืžื—ื™ืจื™ื ืชื—ืจื•ืชื™ื™ื ืœืฆืขื™ืจื™ืืืคืœื™ืงืฆื™ื” ืœื ื™ื˜ื•ืจ ื ื”ื™ื’ื”

ืžืฉืคื—ื”

2+ ื ื”ื’ื™ื ืขืœ ืื•ืชื• ืจื›ื‘

ื—ื‘ืจื•ืช ืžื•ืžืœืฆื•ืช:
ืœื™ื‘ืจื”ื”ืคื ื™ืงืก
ื˜ื•ื•ื— ืžื—ื™ืจื™ื: 3,200-6,500 ืฉ"ื—/ืฉื ื”

ื˜ื™ืค: ื‘ืงืฉื• ื”ื ื—ืช ืจื™ื‘ื•ื™ ื ื”ื’ื™ื - ืขื“ 15% ื”ื ื—ื” ื›ืฉื›ืœ ื”ื ื”ื’ื™ื ื•ืชื™ืงื™ื

ืžื” ืœื—ืคืฉ:
ื›ื™ืกื•ื™ ืœื›ืœ ื”ื ื”ื’ื™ื ื‘ืžืฉืคื—ื”ืจื›ื‘ ื—ืœื•ืคื™ ืžืฉืคื—ืชื™ื”ื ื—ืช ืจื™ื‘ื•ื™ ื ื”ื’ื™ื

ืจื›ื‘ ื—ืฉืžืœื™

ื‘ืขืœื™ ืจื›ื‘ื™ื ื—ืฉืžืœื™ื™ื ืื• ื”ื™ื‘ืจื™ื“ื™ื™ื

ื—ื‘ืจื•ืช ืžื•ืžืœืฆื•ืช:
ืœื™ื‘ืจื”ื”ืคื ื™ืงืก
ื˜ื•ื•ื— ืžื—ื™ืจื™ื: 3,500-8,000 ืฉ"ื—/ืฉื ื”

ื˜ื™ืค: ื•ื“ืื• ืฉื”ืคื•ืœื™ืกื” ืžื›ืกื” ืืช ื”ืกื•ืœืœื” - ื–ื• ื”ื”ื•ืฆืื” ื”ื’ื“ื•ืœื” ื‘ื™ื•ืชืจ ื‘ืชื™ืงื•ืŸ. ื”ืคื ื™ืงืก = ืกื•ื›ืŸ ื˜ืกืœื” ืจืฉืžื™

ืžื” ืœื—ืคืฉ:
ื›ื™ืกื•ื™ ืกื•ืœืœื” ืžืœืืขืžื“ืช ื˜ืขื™ื ื” ื‘ื™ืชื™ืชื’ืจื™ืจื” ืœืขืžื“ืช ื˜ืขื™ื ื”

ื ื”ื’ ื•ืชื™ืง (10+ ืฉื ื™ื)

ื•ืชืง ื ื”ื™ื’ื” ืžืขืœ 10 ืฉื ื™ื, ื”ื™ืขื“ืจ ืชื‘ื™ืขื•ืช

ื—ื‘ืจื•ืช ืžื•ืžืœืฆื•ืช:
ื‘ื™ื˜ื•ื— ื—ืงืœืื™ืœื™ื‘ืจื”
ื˜ื•ื•ื— ืžื—ื™ืจื™ื: 2,200-4,500 ืฉ"ื—/ืฉื ื”

ื˜ื™ืค: ืขื ื”ื™ืกื˜ื•ืจื™ื” ื ืงื™ื™ื” ืืชื ืžืงื‘ืœื™ื ืืช ื”ืžื—ื™ืจื™ื ื”ื˜ื•ื‘ื™ื ื‘ื™ื•ืชืจ - ื”ืฉื•ื• ื”ืฆืขื•ืช!

ืžื” ืœื—ืคืฉ:
ื”ื ื—ืช ื”ื™ืขื“ืจ ืชื‘ื™ืขื•ืช 20-25%ืžื—ื™ืจื™ื ืชื—ืจื•ืชื™ื™ืืฉื™ืจื•ืช ืžืขื•ืœื”

ื˜ื‘ืœืช ื”ืฉื•ื•ืื” ืžืงื™ืคื”

ื”ืฉื•ื•ืื” ืžืคื•ืจื˜ืช ืฉืœ ื›ืœ ื”ืคืจืžื˜ืจื™ื ื”ื—ืฉื•ื‘ื™ื

ืคืจืžื˜ืจ ืœื™ื‘ืจื” ืื™ื™ืœื•ืŸ ื”ืคื ื™ืงืก ื‘ื™ื˜ื•ื— ื—ืงืœืื™ ืžื’ื“ืœ
ืžื—ื™ืจ ื‘ื™ื˜ื•ื— ืžืงื™ืฃ (ืžืžื•ืฆืข) 3,600 3,900 4,000 3,500 4,500
ืžื—ื™ืจ ื‘ื™ื˜ื•ื— ืฆื“ ื’ 550 600 650 520 750
ื”ืฉืชืชืคื•ืช ืขืฆืžื™ืช ืžื™ื ื™ืžืœื™ืช 1,200 1,300 1,200 1,100 1,500
ืจื›ื‘ ื—ืœื•ืคื™ (ื™ืžื™ื) 7 5 5 5 7
ืžืกืคืจ ืžื•ืกื›ื™ ื”ืกื“ืจ 300+ 280+ 350+ 250+ 400+
ืืคืœื™ืงืฆื™ื” ืœื ื™ื”ื•ืœ ืคื•ืœื™ืกื” ืžืขื•ืœื” ื˜ื•ื‘ื” ื˜ื•ื‘ื” ื‘ืกื™ืกื™ืช ื˜ื•ื‘ื”
ื”ื ื—ื” ืœื”ื™ืขื“ืจ ืชื‘ื™ืขื•ืช 22% 20% 20% 18% 18%

ืื™ืš ื‘ื—ืจื ื• ืืช ื”ื“ื™ืจื•ื’?

ื”ื“ื™ืจื•ื’ ืฉืœื ื• ืžื‘ื•ืกืก ืขืœ ื ื™ืชื•ื— ืฉืœ ืžืื•ืช ื—ื•ื•ืช ื“ืขืช, ื ืชื•ื ื™ ืžืฉืจื“ ื”ืื•ืฆืจ, ื•ื‘ื“ื™ืงื•ืช ืฉื˜ื—. ืœื”ืœืŸ ื”ืงืจื™ื˜ืจื™ื•ื ื™ื ื•ื”ืžืฉืงืœ ืฉื ืชื ื• ืœื›ืœ ืื—ื“ ืžื”ื:

25%

ืžื—ื™ืจ

ื”ืฉื•ื•ืืช ืขืœื•ืช ื”ืคืจืžื™ื” ื”ืฉื ืชื™ืช ืขืœ ื›ื™ืกื•ื™ื™ื ื–ื”ื™ื

25%

ืฉื™ืจื•ืช ืœืงื•ื—ื•ืช

ื–ืžื™ื ื•ืช, ืžืงืฆื•ืขื™ื•ืช ื•ื–ืžื ื™ ื”ืžืชื ื”

20%

ืื—ื•ื– ืื™ืฉื•ืจ ืชื‘ื™ืขื•ืช

ืื—ื•ื– ื”ืชื‘ื™ืขื•ืช ืฉืžืื•ืฉืจื•ืช ื•ืžืฉื•ืœืžื•ืช

15%

ื–ืžืŸ ื˜ื™ืคื•ืœ ื‘ืชื‘ื™ืขื”

ืžืžื•ืฆืข ื™ืžื™ื ืžื”ื’ืฉื” ืขื“ ืชืฉืœื•ื

10%

ืจืฉืช ืžื•ืกื›ื™ื

ืžืกืคืจ ืžื•ืกื›ื™ ื”ืกื“ืจ ื•ื–ืžื™ื ื•ืช ื’ื™ืื•ื’ืจืคื™ืช

5%

ื›ื™ืกื•ื™ื™ื ื ื•ืกืคื™ื

ืจื›ื‘ ื—ืœื•ืคื™, ื’ืจื™ืจื”, ืฉืžืฉื•ืช ื•ื›ื“'

ืฉืืœื•ืช ื•ืชืฉื•ื‘ื•ืช

ืฉืืœื•ืช ื ืคื•ืฆื•ืช

ืื™ื–ื• ื—ื‘ืจืช ื‘ื™ื˜ื•ื— ืจื›ื‘ ื”ื›ื™ ื˜ื•ื‘ื” ื‘-2026?
ืื™ืŸ ื—ื‘ืจื” ืื—ืช ืฉื”ื™ื ื”ื˜ื•ื‘ื” ืœื›ื•ืœื โ€” ื”ืคืจืžื™ื” ื ืงื‘ืขืช ืœืคื™ ื”ืจื›ื‘, ื•ืชืง ื”ื ื”ื™ื’ื”, ืื–ื•ืจ ื”ืžื’ื•ืจื™ื ื•ื”ื™ืกื˜ื•ืจื™ื™ืช ื”ืชื‘ื™ืขื•ืช, ื•ืื•ืชื• ื ื”ื’ ื™ื›ื•ืœ ืœืงื‘ืœ ืคืขืจื™ื ืฉืœ ืืœืคื™ ืฉืงืœื™ื ื‘ื™ืŸ ื—ื‘ืจื•ืช. ื”ื“ืจืš ื”ืžืขืฉื™ืช: ื‘ืงืฉื• ืฉืœื•ืฉ-ื—ืžืฉ ื”ืฆืขื•ืช ืœืื•ืชื• ื›ื™ืกื•ื™ ื‘ื“ื™ื•ืง, ื”ืฉื•ื• ืืช ื”ื”ืฉืชืชืคื•ืช ื”ืขืฆืžื™ืช ื•ืืช ื™ืžื™ ื”ืจื›ื‘ ื”ื—ืœื•ืคื™, ื•ื‘ื“ืงื• ื‘ืืชืจ ืจืฉื•ืช ืฉื•ืง ื”ื”ื•ืŸ ืืช ื ืชื•ื ื™ ื”ืฉื™ืจื•ืช ื•ื”ืชืœื•ื ื•ืช ื‘ืขื ืฃ ื”ืจื›ื‘.
ื›ืžื” ืขื•ืœื” ื‘ื™ื˜ื•ื— ืจื›ื‘ ืžืงื™ืฃ ืžื•ืžืœืฅ?
ืื™ืŸ ืžื—ื™ืจื•ืŸ ืื—ื™ื“: ื”ืคืจืžื™ื” ืžื—ื•ืฉื‘ืช ืคืจื˜ื ื™ืช ืœื›ืœ ื ื”ื’ ืœืคื™ ื“ื’ื ื”ืจื›ื‘ ื•ืฉื ืชื•ืŸ, ื•ืชืง ื”ืจื™ืฉื™ื•ืŸ ื•ื’ื™ืœ ื”ื ื”ื’, ืื–ื•ืจ ื”ืžื’ื•ืจื™ื, ื”ื™ืกื˜ื•ืจื™ื™ืช ื”ืชื‘ื™ืขื•ืช ื•ื”ื›ื™ืกื•ื™ื™ื ืฉื ื‘ื—ืจื• โ€” ื•ืœื›ืŸ ืื•ืชื• ืจื›ื‘ ืžืงื‘ืœ ื”ืฆืขื•ืช ืฉื•ื ื•ืช ืžืื•ื“ ื‘ื™ืŸ ื—ื‘ืจื•ืช. ื”ื“ืจืš ื”ื™ื—ื™ื“ื” ืœื“ืขืช ื›ืžื” ื–ื” ืขื•ืœื” ืœื›ื ื”ื™ื ืœื”ืฉื•ื•ืช ื”ืฆืขื•ืช ืœืื•ืชื• ื›ื™ืกื•ื™ ื‘ื“ื™ื•ืง, ื•ืœื•ื•ื“ื ืฉื”ื”ืฉืชืชืคื•ืช ื”ืขืฆืžื™ืช ื•ื™ืžื™ ื”ืจื›ื‘ ื”ื—ืœื•ืคื™ ื–ื”ื™ื ื‘ื›ื•ืœืŸ.
ืžื” ื—ืฉื•ื‘ ืœื‘ื“ื•ืง ื›ืฉื‘ื•ื—ืจื™ื ื‘ื™ื˜ื•ื— ืจื›ื‘?
ื—ืžื™ืฉื” ื“ื‘ืจื™ื ืขื™ืงืจื™ื™ื: 1) ืžื—ื™ืจ ื”ืคืจืžื™ื” ื”ืฉื ืชื™ืช, 2) ื’ื•ื‘ื” ื”ื”ืฉืชืชืคื•ืช ื”ืขืฆืžื™ืช, 3) ืื—ื•ื– ืื™ืฉื•ืจ ื”ืชื‘ื™ืขื•ืช, 4) ื–ืžืŸ ื”ื˜ื™ืคื•ืœ ื‘ืชื‘ื™ืขื•ืช, 5) ืื™ื›ื•ืช ืฉื™ืจื•ืช ื”ืœืงื•ื—ื•ืช. ื”ืฉื•ื• ืœืคื—ื•ืช 3-5 ื—ื‘ืจื•ืช ืœืคื ื™ ื”ื”ื—ืœื˜ื”.
ื”ืื ื›ื“ืื™ ืœืขื‘ื•ืจ ื—ื‘ืจืช ื‘ื™ื˜ื•ื— ื›ืœ ืฉื ื”?
ืœื ื‘ื”ื›ืจื—. ืื ื™ืฉ ืœื›ื ื”ื™ืกื˜ื•ืจื™ื™ืช ื”ื™ืขื“ืจ ืชื‘ื™ืขื•ืช, ื”ื—ื‘ืจื” ื”ื ื•ื›ื—ื™ืช ืขืฉื•ื™ื” ืœื”ืฆื™ืข ื”ื ื—ื•ืช ืžืฉืžืขื•ืชื™ื•ืช. ืขื ื–ืืช, ื›ื“ืื™ ืœื”ืฉื•ื•ืช ืžื—ื™ืจื™ื ื›ืœ ืฉื ื” - ืœืคืขืžื™ื ื—ื‘ืจื” ืื—ืจืช ืชืฆื™ืข ืžื—ื™ืจ ื ืžื•ืš ื™ื•ืชืจ ื’ื ืขื ื”ื”ื ื—ื•ืช.
ืžื” ื”ื”ื‘ื“ืœ ื‘ื™ืŸ ื‘ื™ื˜ื•ื— ื™ืฉื™ืจ ืœื‘ื™ื˜ื•ื— ื“ืจืš ืกื•ื›ืŸ?
ื‘ื™ื˜ื•ื— ื™ืฉื™ืจ ื–ื•ืœ ื™ื•ืชืจ (10-25%) ื›ื™ ืื™ืŸ ืขืžืœืช ืกื•ื›ืŸ, ืื‘ืœ ืื™ืŸ ืœื™ื•ื•ื™ ืื™ืฉื™. ืกื•ื›ืŸ ื‘ื™ื˜ื•ื— ืขื•ื–ืจ ื‘ื”ืฉื•ื•ืืช ืžื—ื™ืจื™ื, ืžื™ื™ืขืฅ ืขืœ ื›ื™ืกื•ื™ื™ื, ื•ืžืœื•ื•ื” ื‘ืชื‘ื™ืขื•ืช. ืœืžื™ ืฉืœื ื‘ืงื™ื ื‘ื‘ื™ื˜ื•ื—ื™ื, ืกื•ื›ืŸ ื™ื›ื•ืœ ืœื—ืกื•ืš ื›ืกืฃ ื‘ื˜ืขื•ื™ื•ืช.
ืื™ื–ื” ื‘ื™ื˜ื•ื— ืžื•ืžืœืฅ ืœื ื”ื’ ื—ื“ืฉ?
ืœื ื”ื’ื™ื ื—ื“ืฉื™ื ืžื•ืžืœืฆื•ืช ืื™ื™ืœื•ืŸ ื•ื”ืคื ื™ืงืก - ื”ืŸ ืžืชืžื—ื•ืช ื‘ืคืœื— ื”ื–ื” ื•ืžืฆื™ืขื•ืช ืžื—ื™ืจื™ื ืชื—ืจื•ืชื™ื™ื ื™ื•ืชืจ. ื—ืฉื•ื‘ ืœื‘ืงืฉ ื”ืฉืชืชืคื•ืช ืขืฆืžื™ืช ื ืžื•ื›ื” ืœืชืื•ื ื” ืจืืฉื•ื ื” ื•ืœืฉืงื•ืœ ื‘ื™ื˜ื•ื— ืœืคื™ ืงื™ืœื•ืžื˜ืจ.
ืชื•ืš 60 ืฉื ื™ื•ืช

ืžื•ื›ื ื™ื ืœืžืฆื•ื ืืช ื”ื‘ื™ื˜ื•ื— ื”ืžื•ืฉืœื?

ื”ืฉื•ื• ืžื—ื™ืจื™ื ื‘ื™ืŸ ื›ืœ ื”ื—ื‘ืจื•ืช ื•ืงื‘ืœื• ืืช ื”ื”ืฆืขื” ื”ื˜ื•ื‘ื” ื‘ื™ื•ืชืจ ืขื‘ื•ืจื›ื

ืงื‘ืœ ื”ืฆืขืช ืžื—ื™ืจ ื”ืฉื•ื•ื” ืžื—ื™ืจื™ื

ื ื•ืฉืื™ื ืงืฉื•ืจื™ื

ืื™ืš ืœื‘ื—ื•ืจ ื‘ื™ื˜ื•ื— ืจื›ื‘

ืžื“ืจื™ืš ืžืœื โ†

ื”ืฉื•ื•ืืช ืžื—ื™ืจื™ ื‘ื™ื˜ื•ื— ืจื›ื‘

ื˜ื‘ืœืช ื”ืฉื•ื•ืื” ืžืœืื” โ†

ืžื“ืจื™ืš ื‘ื™ื˜ื•ื— ืจื›ื‘

ื›ืœ ืžื” ืฉืฆืจื™ืš ืœื“ืขืช โ†
ืงื‘ืœ ื”ืฆืขืช ืžื—ื™ืจ ื—ื™ื ื