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

ื‘ื™ื˜ื•ื— ื‘ืจื™ืื•ืช ืžื•ืžืœืฅ 2026

ื“ื™ืจื•ื’ ืžืงื™ืฃ ืฉืœ ื‘ื™ื˜ื•ื—ื™ ื‘ืจื™ืื•ืช ืคืจื˜ื™ื™ื ื‘ื™ืฉืจืืœ. ื”ืฉื•ื•ืื” ืžืคื•ืจื˜ืช ื‘ื™ืŸ ื‘ื™ื˜ื•ื— ืคืจื˜ื™ ืœืฉื‘"ืŸ, ื”ืžืœืฆื•ืช ืžื•ืชืืžื•ืช ืœื’ื™ืœ ืฉืœืš, ื•ืžื“ืจื™ืš ืœื‘ื—ื™ืจืช ื”ื›ื™ืกื•ื™ ื”ื ื›ื•ืŸ ืœืฆืจื›ื™ื ืฉืœืš.

ื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™ืื•ืช ื”ืžื•ืžืœืฆื™ื ื‘ื™ื•ืชืจ

ื‘ื—ื™ืจืช ื”ืขื•ืจื›ื™ื
#1

AIG

ืžื—ื™ืจ ื—ื•ื“ืฉื™: 160-400 ืฉ"ื—
ืžื” ืžืืคื™ื™ืŸ: ื›ื™ืกื•ื™ ืจื—ื‘ ืœืชืจื•ืคื•ืช ืžื—ื•ืฅ ืœืกืœ

ืžื™ ืฉืจื•ืฆื” ืฉื™ืจื•ืช ืžืขื•ืœื” ื•ืชื‘ื™ืขื•ืช ืžื”ื™ืจื•ืช

#2

ื”ืคื ื™ืงืก

ืžื—ื™ืจ ื—ื•ื“ืฉื™: 150-380 ืฉ"ื—
ืžื” ืžืืคื™ื™ืŸ: ื™ื—ืก ืžื—ื™ืจ-ื›ื™ืกื•ื™ ื˜ื•ื‘, ื›ื•ืœืœ ืจืคื•ืื” ืžืฉืœื™ืžื”

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

#3

ื›ืœืœ

ืžื—ื™ืจ ื—ื•ื“ืฉื™: 140-360 ืฉ"ื—
ืžื” ืžืืคื™ื™ืŸ: ืžื—ื™ืจ ื ืžื•ืš, ืชื”ืœื™ื›ื™ื ืคืฉื•ื˜ื™ื

ืžื™ ืฉืžื—ืคืฉ ื‘ื™ื˜ื•ื— ื‘ืจื™ืื•ืช ื‘ืกื™ืกื™ ื‘ืžื—ื™ืจ ื ื’ื™ืฉ

ื”ืฉื•ื•ืื” ื—ืฉื•ื‘ื”

ื‘ื™ื˜ื•ื— ื‘ืจื™ืื•ืช ืคืจื˜ื™ vs ืฉื‘"ืŸ

ื”ื‘ื ืช ื”ื”ื‘ื“ืœื™ื ืชืขื–ื•ืจ ืœืš ืœื”ื—ืœื™ื˜ ืžื” ืžืชืื™ื ืœืš

ื”ื™ื‘ื˜ ื‘ื™ื˜ื•ื— ืคืจื˜ื™ ืฉื‘"ืŸ (ืงื•ืคืช ื—ื•ืœื™ื) ืขื“ื™ืคื•ืช
ืžื—ื™ืจ ื—ื•ื“ืฉื™ 150-450 ืฉ"ื— 30-150 ืฉ"ื— ืฉื‘"ืŸ
ืชื•ืจื™ื ืœื ื™ืชื•ื— ืžื™ื™ื“ื™ - ืฉื‘ื•ืขื•ืช ื—ื•ื“ืฉื™ื ืขื“ ืฉื ื™ื ืคืจื˜ื™
ื‘ื—ื™ืจืช ืจื•ืคื ื—ื•ืคืฉื™ืช ืœื—ืœื•ื˜ื™ืŸ ืžื•ื’ื‘ืœืช ืœืจืฉื™ืžื” ืคืจื˜ื™
ืชืจื•ืคื•ืช ืžื—ื•ืฅ ืœืกืœ ื›ื™ืกื•ื™ ืžืœื/ื—ืœืงื™ ื›ื™ืกื•ื™ ื—ืœืงื™ ืคืจื˜ื™
ื ื™ืชื•ื—ื™ื ื‘ื—ื•"ืœ ื›ื™ืกื•ื™ ืžืœื ืœืœื ื›ื™ืกื•ื™ ืคืจื˜ื™
ื”ืฉืชืœื•ืช ื›ื™ืกื•ื™ ืžืœื ื‘ื—ื•"ืœ ื›ื™ืกื•ื™ ืžื•ื’ื‘ืœ ืคืจื˜ื™
ื—ื“ืจ ืคืจื˜ื™ ื‘ืืฉืคื•ื– ื›ืœื•ืœ ืœื ื›ืœื•ืœ ืคืจื˜ื™
ืจืคื•ืื” ืžืฉืœื™ืžื” ื›ื™ืกื•ื™ ื ืจื—ื‘ ื›ื™ืกื•ื™ ื‘ืกื™ืกื™ ืคืจื˜ื™

ื”ืžืœืฆืชื ื•: ืœืจื•ื‘ ื”ืื ืฉื™ื, ืฉื™ืœื•ื‘ ืฉืœ ืฉื‘"ืŸ (ืœื›ื™ืกื•ื™ ื‘ืกื™ืกื™ ื‘ืžื—ื™ืจ ื ืžื•ืš) ืขื ื‘ื™ื˜ื•ื— ืคืจื˜ื™ ืœื ื™ืชื•ื—ื™ื ื•ืชืจื•ืคื•ืช ื”ื•ื ื”ืคืชืจื•ืŸ ื”ืื•ืคื˜ื™ืžืœื™. ื›ืš ื ื”ื ื™ื ืžื”ื˜ื•ื‘ ื‘ืฉื ื™ ื”ืขื•ืœืžื•ืช.

ื“ื™ืจื•ื’ ื‘ื™ื˜ื•ื—ื™ ื‘ืจื™ืื•ืช ืคืจื˜ื™ 2026

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

1

AIG

ืžื—ื™ืจ ื—ื•ื“ืฉื™
160-400 ืฉ"ื—
ืžื” ืžืืคื™ื™ืŸ ืืช ื”ื”ืฆืขื”
ื›ื™ืกื•ื™ ืจื—ื‘ ืœืชืจื•ืคื•ืช ืžื—ื•ืฅ ืœืกืœ

ื™ืชืจื•ื ื•ืช

  • ื›ื™ืกื•ื™ ืจื—ื‘ ืœืชืจื•ืคื•ืช ืžื—ื•ืฅ ืœืกืœ
  • ืชื”ืœื™ืš ืชื‘ื™ืขื” ืžืงื•ื•ืŸ

ื—ืกืจื•ื ื•ืช

  • ืคื—ื•ืช ืžื•ื›ืจืช ื‘ื™ืฉืจืืœ
  • ืจืฉืช ืžื•ืกื“ื•ืช ื‘ื™ื ื•ื ื™ืช
ื›ื™ืกื•ื™ื™ื ืขื™ืงืจื™ื™ื: ื ื™ืชื•ื—ื™ื ืคืจื˜ื™ื™ืืชืจื•ืคื•ืช ืžื—ื•ืฅ ืœืกืœืจืคื•ืื” ืžืฉืœื™ืžื”ื“ืขื” ืจืคื•ืื™ืช ืฉื ื™ื™ื”

ืžื•ืžืœืฅ ืœ: ืžื™ ืฉืจื•ืฆื” ืฉื™ืจื•ืช ืžืขื•ืœื” ื•ืชื‘ื™ืขื•ืช ืžื”ื™ืจื•ืช

2

ื”ืคื ื™ืงืก

ืžื—ื™ืจ ื—ื•ื“ืฉื™
150-380 ืฉ"ื—
ืžื” ืžืืคื™ื™ืŸ ืืช ื”ื”ืฆืขื”
ื™ื—ืก ืžื—ื™ืจ-ื›ื™ืกื•ื™ ื˜ื•ื‘, ื›ื•ืœืœ ืจืคื•ืื” ืžืฉืœื™ืžื”

ื™ืชืจื•ื ื•ืช

  • ืžื—ื™ืจื™ื ืชื—ืจื•ืชื™ื™ื
  • ื›ื™ืกื•ื™ ืœืจืคื•ืื” ืžืฉืœื™ืžื”
  • ืืคืœื™ืงืฆื™ื” ืœื ื™ื”ื•ืœ ื”ืคื•ืœื™ืกื”

ื—ืกืจื•ื ื•ืช

  • ืชืงืจื•ืช ื ืžื•ื›ื•ืช ื™ื•ืชืจ ื‘ื—ืœืง ืžื”ื›ื™ืกื•ื™ื™ื
  • ื›ื™ืกื•ื™ ืžื•ื’ื‘ืœ ืœื ื™ืชื•ื—ื™ื ื‘ื—ื•"ืœ
ื›ื™ืกื•ื™ื™ื ืขื™ืงืจื™ื™ื: ื ื™ืชื•ื—ื™ืืชืจื•ืคื•ืชืจืคื•ืื” ืžืฉืœื™ืžื”ืคื™ื–ื™ื•ืชืจืคื™ื”

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

3

ื›ืœืœ

ืžื—ื™ืจ ื—ื•ื“ืฉื™
140-360 ืฉ"ื—
ืžื” ืžืืคื™ื™ืŸ ืืช ื”ื”ืฆืขื”
ืžื—ื™ืจ ื ืžื•ืš, ืชื”ืœื™ื›ื™ื ืคืฉื•ื˜ื™ื

ื™ืชืจื•ื ื•ืช

  • ืžื—ื™ืจ ื ืžื•ืš
  • ืชื”ืœื™ื›ื™ื ืคืฉื•ื˜ื™ื
  • ืฉื™ืจื•ืช ื“ื™ื’ื™ื˜ืœื™ ืžืชืงื“ื

ื—ืกืจื•ื ื•ืช

  • ื›ื™ืกื•ื™ ื‘ืกื™ืกื™ ื™ื•ืชืจ
  • ืคื—ื•ืช ืืคืฉืจื•ื™ื•ืช ื”ืชืืžื” ืื™ืฉื™ืช
ื›ื™ืกื•ื™ื™ื ืขื™ืงืจื™ื™ื: ื ื™ืชื•ื—ื™ื ื‘ืกื™ืกื™ื™ืืชืจื•ืคื•ืชืืฉืคื•ื–

ืžื•ืžืœืฅ ืœ: ืžื™ ืฉืžื—ืคืฉ ื‘ื™ื˜ื•ื— ื‘ืจื™ืื•ืช ื‘ืกื™ืกื™ ื‘ืžื—ื™ืจ ื ื’ื™ืฉ

4

ืžื ื•ืจื”

ืžื—ื™ืจ ื—ื•ื“ืฉื™
155-400 ืฉ"ื—
ืžื” ืžืืคื™ื™ืŸ ืืช ื”ื”ืฆืขื”
ื’ืžื™ืฉื•ืช ื‘ื›ื™ืกื•ื™ื™ื, ืชื‘ื™ืขื•ืช ืื™ื˜ื™ื•ืช

ื™ืชืจื•ื ื•ืช

  • ื’ืžื™ืฉื•ืช ื‘ื‘ื ื™ื™ืช ื”ืคื•ืœื™ืกื”
  • ื›ื™ืกื•ื™ ื˜ื•ื‘ ืœืžืฆื‘ื™ื ื›ืจื•ื ื™ื™ื
  • ื”ื ื—ื•ืช ืœืขื•ื‘ื“ื™ ืืจื’ื•ื ื™ื

ื—ืกืจื•ื ื•ืช

  • ืชื”ืœื™ืš ืชื‘ื™ืขื•ืช ืืจื•ืš ื™ื•ืชืจ
  • ืคื—ื•ืช ืžื•ื›ืจ ื‘ืชื—ื•ื ื”ื‘ืจื™ืื•ืช
ื›ื™ืกื•ื™ื™ื ืขื™ืงืจื™ื™ื: ื ื™ืชื•ื—ื™ืืžืฆื‘ื™ื ื›ืจื•ื ื™ื™ืืฉื™ืงื•ื

ืžื•ืžืœืฅ ืœ: ื‘ืขืœื™ ืžืฆื‘ื™ื ืจืคื•ืื™ื™ื ืงื™ื™ืžื™ื ืฉืžื—ืคืฉื™ื ื’ืžื™ืฉื•ืช

5

ื”ืจืืœ

ืžื—ื™ืจ ื—ื•ื“ืฉื™
180-450 ืฉ"ื—
ืžื” ืžืืคื™ื™ืŸ ืืช ื”ื”ืฆืขื”
ื—ื‘ืจื” ื’ื“ื•ืœื”, ืจื›ื™ืฉื” ื“ืจืš ืกื•ื›ืŸ

ื™ืชืจื•ื ื•ืช

  • ื›ื™ืกื•ื™ ืจืคื•ืื™ ืจื—ื‘
  • ืจืฉืช ืจื•ืคืื™ื ื ืจื—ื‘ืช
  • ืžื•ืชื’ ืžื•ื›ืจ

ื—ืกืจื•ื ื•ืช

  • ืคืจืžื™ื” ื’ื‘ื•ื”ื” ื™ื—ืกื™ืช
ื›ื™ืกื•ื™ื™ื ืขื™ืงืจื™ื™ื: ื ื™ืชื•ื—ื™ื ืคืจื˜ื™ื™ืืชืจื•ืคื•ืช ืžื—ื•ืฅ ืœืกืœืจืคื•ืื” ืžืฉืœื™ืžื”ื”ืฉืชืœื•ืช ื‘ื—ื•"ืœ

ืžื•ืžืœืฅ ืœ: ืจืง ืœืžื™ ืฉืฆืจื™ืš ืจืฉืช ืจื•ืคืื™ื ืกืคืฆื™ืคื™ืช ืฉื™ืฉ ืจืง ื‘ื”ืจืืœ

ื”ืžืœืฆื•ืช ืžื•ืชืืžื•ืช

ื‘ื™ื˜ื•ื— ื‘ืจื™ืื•ืช ืžื•ืžืœืฅ ืœืคื™ ื’ื™ืœ

ื”ืฆืจื›ื™ื ื”ืจืคื•ืื™ื™ื ืžืฉืชื ื™ื ืขื ื”ื’ื™ืœ - ื›ืš ื’ื ื”ื‘ื™ื˜ื•ื— ืฉืœืš

ืฆืขื™ืจื™ื (20-35)

ื›ื™ืกื•ื™ ื‘ืกื™ืกื™ ื‘ืžื—ื™ืจ ื ืžื•ืš + ืฉื™ืจื•ืช ื˜ื•ื‘

ื—ื‘ืจื•ืช ืžื•ืžืœืฆื•ืช:
ื”ืคื ื™ืงืกื›ืœืœ
ืžื—ื™ืจ ื—ื•ื“ืฉื™: 120-200 ืฉ"ื—
ื˜ื™ืคื™ื:
  • ื”ืชื—ื™ืœื• ืขื ืคื•ืœื™ืกื” ื‘ืกื™ืกื™ืช
  • ืฉื“ืจื’ื• ืขื ื”ื’ื™ืœ
  • ืฉื‘"ืŸ ื™ื›ื•ืœ ืœื”ืกืคื™ืง ืœืจื•ื‘ ื”ืฆืจื›ื™ื
ื›ื™ืกื•ื™ื™ื ื—ื•ื‘ื”:
ืชืื•ื ื•ืช ืื™ืฉื™ื•ืชื ื™ืชื•ื—ื™ื ื“ื—ื•ืคื™ืืชืจื•ืคื•ืช ืžื™ื•ื—ื“ื•ืช

ืžืฉืคื—ื•ืช (35-50)

ื›ื™ืกื•ื™ ืžืงื™ืฃ ืœื›ืœ ื”ืžืฉืคื—ื” ืขื ืฉื™ืจื•ืช ืžืขื•ืœื”

ื—ื‘ืจื•ืช ืžื•ืžืœืฆื•ืช:
AIGื”ืคื ื™ืงืก
ืžื—ื™ืจ ื—ื•ื“ืฉื™: 350-600 ืฉ"ื—
ื˜ื™ืคื™ื:
  • ื‘ืงืฉื• ื”ื ื—ืช ืจื™ื‘ื•ื™ ืžื‘ื•ื˜ื—ื™ื
  • ื•ื“ืื• ื›ื™ืกื•ื™ ืœื™ืœื“ื™ื
  • ื‘ื“ืงื• ื›ื™ืกื•ื™ ื”ืจื™ื•ืŸ ื•ืœื™ื“ื”
ื›ื™ืกื•ื™ื™ื ื—ื•ื‘ื”:
ื›ื™ืกื•ื™ ืœื›ืœ ื”ืžืฉืคื—ื”ื™ืœื“ื™ื ืขื“ ื’ื™ืœ 21ื”ืจื™ื•ืŸ ื•ืœื™ื“ื”ื‘ื“ื™ืงื•ืช ื”ืชืคืชื—ื•ืชื™ื•ืช

ื’ื™ืœ 50+

ื›ื™ืกื•ื™ ืžืงื™ืฃ ืขื ื“ื’ืฉ ืขืœ ืžืฆื‘ื™ื ื›ืจื•ื ื™ื™ื ื•ืฉื™ืจื•ืช ืžื”ื™ืจ

ื—ื‘ืจื•ืช ืžื•ืžืœืฆื•ืช:
AIGื”ืคื ื™ืงืก
ืžื—ื™ืจ ื—ื•ื“ืฉื™: 450-800 ืฉ"ื—
ื˜ื™ืคื™ื:
  • ืืœ ืชื—ื›ื• - ื”ืžื—ื™ืจ ืขื•ืœื” ืขื ื”ื’ื™ืœ
  • ื‘ื“ืงื• ื›ื™ืกื•ื™ ืœืžืฆื‘ื™ื ืงื™ื™ืžื™ื
  • ืฉืœื‘ื• ืขื ื‘ื™ื˜ื•ื— ืกื™ืขื•ื“ื™
ื›ื™ืกื•ื™ื™ื ื—ื•ื‘ื”:
ืชืจื•ืคื•ืช ื›ืจื•ื ื™ื•ืชื ื™ืชื•ื—ื™ื ืืœืงื˜ื™ื‘ื™ื™ืื”ืฉืชืœื•ืชืฉื™ืงื•ื

ื˜ื‘ืœืช ืžื—ื™ืจื™ื ืœืคื™ ื’ื™ืœ

ืžื—ื™ืจื™ื ื—ื•ื“ืฉื™ื™ื ื‘ืฉ"ื— (ืžืžื•ืฆืข ื‘ืฉื•ืง)

ื’ื™ืœ ื‘ืกื™ืกื™ ืกื˜ื ื“ืจื˜ื™ ืคืจื™ืžื™ื•ื
20-29 80-120 ืฉ"ื— 150-220 ืฉ"ื— 250-350 ืฉ"ื—
30-39 120-180 ืฉ"ื— 200-300 ืฉ"ื— 350-500 ืฉ"ื—
40-49 180-280 ืฉ"ื— 300-450 ืฉ"ื— 500-700 ืฉ"ื—
50-59 280-400 ืฉ"ื— 450-650 ืฉ"ื— 700-950 ืฉ"ื—
60+ 400-600 ืฉ"ื— 650-900 ืฉ"ื— 950-1,400 ืฉ"ื—
* ื”ืžื—ื™ืจื™ื ืžืฉืชื ื™ื ื‘ื™ืŸ ื—ื‘ืจื•ืช ื•ืชืœื•ื™ื™ื ื‘ืžืฆื‘ ื‘ืจื™ืื•ืชื™. ื‘ืกื™ืกื™ = ื ื™ืชื•ื—ื™ื ื‘ืœื‘ื“, ืกื˜ื ื“ืจื˜ื™ = ื ื™ืชื•ื—ื™ื + ืชืจื•ืคื•ืช, ืคืจื™ืžื™ื•ื = ื›ื™ืกื•ื™ ืžืœื.

ื ื™ืชื•ื— ืžืขืžื™ืง: ืžื” ื‘ืืžืช ืงื•ื‘ืข ืืช ืื™ื›ื•ืช ื‘ื™ื˜ื•ื— ื‘ืจื™ืื•ืช?

ืžื” ื‘ืืžืช ืžื‘ื“ื™ืœ ื‘ื™ืŸ ื”ืคื•ืœื™ืกื•ืช: ื”ื”ื‘ื“ืœ ื”ื’ื“ื•ืœ ืื™ื ื• ื‘ืคืจืžื™ื” ืืœื ื‘ืฉืืœื” ืžื” ืžื›ื•ืกื” ื›ืฉืฆืจื™ืš โ€” ืื™ืœื• ืชืจื•ืคื•ืช ืžื—ื•ืฅ ืœืกืœ ื›ืœื•ืœื•ืช, ืžื”ื™ ืชืงืจืช ื”ื›ื™ืกื•ื™ ืœื ื™ืชื•ื— ื‘ื—ื•"ืœ, ื•ืžื”ื™ ืชืงื•ืคืช ื”ืื›ืฉืจื” ืœืคื ื™ ืฉื”ื›ื™ืกื•ื™ ื ื›ื ืก ืœืชื•ืงืฃ. ืฉืชื™ ืคื•ืœื™ืกื•ืช ื‘ืื•ืชื• ืžื—ื™ืจ ื™ื›ื•ืœื•ืช ืœื”ื™ืจืื•ืช ืฉื•ื ื” ืœื’ืžืจื™ ื‘ื™ื•ื ื”ืชื‘ื™ืขื”.

ืžื” ื–ื” ืื•ืžืจ ื‘ืคื•ืขืœ? ื–ืžืŸ ื˜ื™ืคื•ืœ ื‘ืชื‘ื™ืขื•ืช ื‘-AIG ืขื•ืžื“ ืขืœ 2-5 ื™ืžื™ ืขืกืงื™ื ื‘ืžืžื•ืฆืข. ื‘ื”ืจืืœ? 14-21 ื™ืžื™ื. ื›ืฉืžื“ื•ื‘ืจ ื‘ื ื™ืชื•ื— ื“ื—ื•ืฃ ืื• ืชืจื•ืคื” ืžืฆื™ืœืช ื—ื™ื™ื, ื”ื”ื‘ื“ืœ ื”ื–ื” ืงืจื™ื˜ื™. ื”ืžื—ื™ืจ ื”ื ืžื•ืš ื™ื•ืชืจ ืฉืœ ื”ืจืืœ ืœื ืฉื•ื•ื” ื”ืจื‘ื” ืื ื”ืชืฉืœื•ื ืžื’ื™ืข ื—ื•ื“ืฉ ืื—ืจื™ ื”ื ื™ืชื•ื—.

ื”ื ืงื•ื“ื” ื”ื—ืฉื•ื‘ื” ื‘ืืžืช: ื‘ื™ื˜ื•ื— ื‘ืจื™ืื•ืช ืคืจื˜ื™ ืœื ืžื—ืœื™ืฃ ืืช ืงื•ืคืช ื”ื—ื•ืœื™ื ื•ื”ืฉื‘"ืŸ - ื”ื•ื ืžืฉืœื™ื ืื•ืชื. ืœืคื ื™ ืฉืจืฆื™ื ืœืงื ื•ืช ื‘ื™ื˜ื•ื— ืคืจื˜ื™ ื‘-300 ืฉ"ื— ืœื—ื•ื“ืฉ, ื›ื“ืื™ ืœื•ื•ื“ื ืฉื”ืฉื‘"ืŸ ืฉืœ ื”ืงื•ืคื” (50-130 ืฉ"ื— ืœื—ื•ื“ืฉ) ืœื ืžืกืคืง ื›ื‘ืจ ืืช ืžื” ืฉืฆืจื™ื›ื™ื.

ืชื•ื‘ื ืช ืžื•ืžื—ื”: ืžืชื™ ื‘ืืžืช ืฆืจื™ืš ื‘ื™ื˜ื•ื— ื‘ืจื™ืื•ืช ืคืจื˜ื™?

ื”ื›ืœืœ ื”ืคืฉื•ื˜: ืื ื™ืฉ ืœื›ื ืฉื‘"ืŸ ื˜ื•ื‘ (ื›ืœืœื™ืช ืžื•ืฉืœื/ืžื›ื‘ื™ ืฉืœื™) ื•ืืชื ื‘ืจื™ืื™ื - ื‘ื™ื˜ื•ื— ืคืจื˜ื™ ื”ื•ื ืžื™ื•ืชืจ. ื”ื•ื ื”ื•ืคืš ืœื—ืฉื•ื‘ ืจืง ืื: (1) ื™ืฉ ืžืฆื‘ ืจืคื•ืื™ ืงื•ื“ื ืฉื”ืฉื‘"ืŸ ืœื ืžื›ืกื”, (2) ืืชื ืจื•ืฆื™ื ื’ื™ืฉื” ืžื”ื™ืจื” ืœืจื•ืคืื™ื ืคืจื˜ื™ื™ื ืกืคืฆื™ืคื™ื™ื, ืื• (3) ืืชื ืžืขืœ ื’ื™ืœ 50 ื•ืจื•ืฆื™ื ื›ื™ืกื•ื™ ืžื•ืจื—ื‘ ืœื˜ื™ืคื•ืœื™ื ื™ืงืจื™ื. ื‘ื’ื™ืœ 30 ื‘ืจื™ื? ื—ืกื›ื• ืืช ื”ื›ืกืฃ ืœืคื ืกื™ื”.

ืžืชื™ ืœื‘ื—ื•ืจ ืžื”? ืขืฅ ื”ื—ืœื˜ื•ืช

ืกืฆื ืจื™ื• 1 ืฆืขื™ืจ (25-35), ื‘ืจื™ื, ืœืœื ืžืฆื‘ื™ื ืงื•ื“ืžื™ื

ืื™ืŸ ืฆื•ืจืš ื‘ื‘ื™ื˜ื•ื— ืคืจื˜ื™. ื”ืฉื‘"ืŸ ืฉืœ ืงื•ืคืช ื”ื—ื•ืœื™ื ืžืกืคื™ืง ื‘ื”ื—ืœื˜.

ื”ืžืœืฆื”: ืฉื‘"ืŸ ื‘ืกื™ืกื™ (ื›ืœืœื™ืช/ืžื›ื‘ื™) + ืœื—ืกื•ืš 200 ืฉ"ื— ื‘ื—ื•ื“ืฉ
ืกืฆื ืจื™ื• 2 ืžืฉืคื—ื” ืขื ื™ืœื“ื™ื, ืชืงืฆื™ื‘ ื‘ื™ื ื•ื ื™

ืฉื‘"ืŸ ืžืฉื•ื“ืจื’ ืžืกืคื™ืง ืœืจื•ื‘ ื”ืžืงืจื™ื. ื‘ื™ื˜ื•ื— ืคืจื˜ื™ ืจืง ืื ื™ืฉ ื”ื™ืกื˜ื•ืจื™ื” ืžืฉืคื—ืชื™ืช.

ื”ืžืœืฆื”: ืฉื‘"ืŸ ื–ื”ื‘/ืคืœื˜ื™ื ื•ื + AIG ื‘ืกื™ืกื™ ืœื™ืœื“ื™ื (ืื ื™ืฉ ืชืงืฆื™ื‘)
ืกืฆื ืจื™ื• 3 ื’ื™ืœ 45+, ืžืฆื‘ ื‘ืจื™ืื•ืชื™ ืงื™ื™ื

ื›ืืŸ ื‘ื™ื˜ื•ื— ืคืจื˜ื™ ืžืฉืชืœื. ืชื‘ื™ืขื•ืช ื™ืงืจื•ืช ืฆืคื•ื™ื•ืช - ืฆืจื™ื›ื™ื ืฉื™ืจื•ืช ืžื”ื™ืจ.

ื”ืžืœืฆื”: AIG ืื• ื”ืคื ื™ืงืก ืคืจื™ืžื™ื•ื - ื›ื™ืกื•ื™ ืจื—ื‘ ืœืชืจื•ืคื•ืช ื•ืœื ื™ืชื•ื—ื™ื ื‘ื—ื•"ืœ
ืกืฆื ืจื™ื• 4 ืชืงืฆื™ื‘ ืžืฆื•ืžืฆื, ืฆืจื™ื›ื™ื ื›ื™ืกื•ื™

ื›ืœืœ ืžืฆื™ืขื” ืžื—ื™ืจื™ื ื ืžื•ื›ื™ื ื™ื•ืชืจ ืขื ืฉื™ืจื•ืช ืกื‘ื™ืจ. ืœื #1, ืื‘ืœ ื™ื—ืก ืžื—ื™ืจ-ืขืจืš ื˜ื•ื‘.

ื”ืžืœืฆื”: ื›ืœืœ ื‘ื™ื˜ื•ื— ืกื˜ื ื“ืจื˜ื™ - ื—ื™ืกื›ื•ืŸ ืฉืœ ~15% ืžื•ืœ AIG

ืžื” ืฉืจื•ื‘ ื”ืื ืฉื™ื ืœื ื™ื•ื“ืขื™ื

ื‘ื™ื˜ื•ื— ื‘ืจื™ืื•ืช ืคืจื˜ื™ ืœื ืžื›ืกื” ืžืฆื‘ื™ื ืงื•ื“ืžื™ื. ืื ื™ืฉ ืœื›ื ืืกืชืžื” ื•ืืชื ืงื•ื ื™ื ื‘ื™ื˜ื•ื— - ืœื ื™ื›ืกื• ื˜ื™ืคื•ืœื™ ืืกืชืžื”. ื”ืงื•ืคื” ื•ื”ืฉื‘"ืŸ ื›ืŸ. ืœื›ืŸ, ืœืคืขืžื™ื ืฉื‘"ืŸ ื˜ื•ื‘ ื™ื•ืชืจ ืžื‘ื™ื˜ื•ื— ืคืจื˜ื™ ื™ืงืจ ื™ื•ืชืจ.

ืฉืืœื•ืช ื•ืชืฉื•ื‘ื•ืช

ืฉืืœื•ืช ื ืคื•ืฆื•ืช

ืžื” ื”ื”ื‘ื“ืœ ื‘ื™ืŸ ื‘ื™ื˜ื•ื— ื‘ืจื™ืื•ืช ืคืจื˜ื™ ืœืฉื‘"ืŸ?
ื‘ื™ื˜ื•ื— ืคืจื˜ื™ ืžืืคืฉืจ ื’ื™ืฉื” ืžื™ื™ื“ื™ืช ืœื ื™ืชื•ื—ื™ื, ื‘ื—ื™ืจื” ื—ื•ืคืฉื™ืช ืฉืœ ืจื•ืคืื™ื, ื•ื›ื™ืกื•ื™ ืœื˜ื™ืคื•ืœื™ื ื•ืชืจื•ืคื•ืช ืฉืœื ื‘ืกืœ ื”ื‘ืจื™ืื•ืช. ืฉื‘"ืŸ (ืฉื™ืจื•ืชื™ ื‘ืจื™ืื•ืช ื ื•ืกืคื™ื) ืฉืœ ืงื•ืคื•ืช ื”ื—ื•ืœื™ื ื–ื•ืœ ื™ื•ืชืจ ืืš ืžื•ื’ื‘ืœ ื™ื•ืชืจ - ืชื•ืจื™ื ืืจื•ื›ื™ื, ืจืฉื™ืžืช ืจื•ืคืื™ื ืžืฆื•ืžืฆืžืช, ื•ื›ื™ืกื•ื™ ื—ืœืงื™. ืจื‘ื™ื ืžืฉืœื‘ื™ื ืืช ืฉื ื™ื”ื.
ืžืชื™ ื›ื“ืื™ ืœืขืฉื•ืช ื‘ื™ื˜ื•ื— ื‘ืจื™ืื•ืช ืคืจื˜ื™?
ืžื•ืžืœืฅ ืœื”ืชื—ื™ืœ ืžื•ืงื“ื ื›ื›ืœ ื”ืืคืฉืจ - ื”ืžื—ื™ืจ ื ืงื‘ืข ืœืคื™ ื’ื™ืœ ื”ื”ืฆื˜ืจืคื•ืช ื•ื ืฉืืจ ื™ืฆื™ื‘ ื™ื—ืกื™ืช. ื‘ืžื™ื•ื—ื“ ื—ืฉื•ื‘ ืœืคื ื™ ื”ืจื™ื•ืŸ ืžืชื•ื›ื ืŸ, ืœืคื ื™ ื’ื™ืœ 40, ืื• ืื ื™ืฉ ื”ื™ืกื˜ื•ืจื™ื” ืžืฉืคื—ืชื™ืช ืฉืœ ืžื—ืœื•ืช. ื›ื›ืœ ืฉืžื—ื›ื™ื ื™ื•ืชืจ, ื”ืžื—ื™ืจ ืขื•ืœื” ื•ื™ืฉ ื™ื•ืชืจ ื”ื’ื‘ืœื•ืช.
ื›ืžื” ืขื•ืœื” ื‘ื™ื˜ื•ื— ื‘ืจื™ืื•ืช ืคืจื˜ื™?
ื”ืžื—ื™ืจ ืžืฉืชื ื” ืœืคื™ ื’ื™ืœ ื•ืจืžืช ื”ื›ื™ืกื•ื™: ืฆืขื™ืจื™ื (20-35) ืžืฉืœืžื™ื 80-350 ืฉ"ื—/ื—ื•ื“ืฉ, ื’ื™ืœืื™ 35-50 ืžืฉืœืžื™ื 150-700 ืฉ"ื—/ื—ื•ื“ืฉ, ื•ืžืขืœ 50 ื”ืžื—ื™ืจ 280-1,400 ืฉ"ื—/ื—ื•ื“ืฉ. ืคื•ืœื™ืกื” ื‘ืกื™ืกื™ืช ื–ื•ืœื” ื™ื•ืชืจ ืžืคื•ืœื™ืกื” ืคืจื™ืžื™ื•ื.
ื”ืื ืฉื‘"ืŸ ืžืกืคื™ืง ืื• ืฆืจื™ืš ื’ื ืคืจื˜ื™?
ืชืœื•ื™ ื‘ืžืฆื‘ ืฉืœืš. ืœืฆืขื™ืจื™ื ื‘ืจื™ืื™ื, ืฉื‘"ืŸ ื™ื›ื•ืœ ืœื”ืกืคื™ืง ืœืจื•ื‘ ื”ืฆืจื›ื™ื. ืœืžืฉืคื—ื•ืช ื•ืœื’ื™ืœืื™ 40+, ืžื•ืžืœืฅ ืœืฉืœื‘ ื‘ื™ื˜ื•ื— ืคืจื˜ื™ ืœื ื™ืชื•ื—ื™ื ื•ืชืจื•ืคื•ืช ื™ืงืจื•ืช. ืื ื™ืฉ ืœืš ื”ื™ืกื˜ื•ืจื™ื” ืจืคื•ืื™ืช ืื• ืขื‘ื•ื“ื” ืคื™ื–ื™ืช, ื‘ื™ื˜ื•ื— ืคืจื˜ื™ ื—ืฉื•ื‘ ื™ื•ืชืจ.
ืžื” ื–ื” ืชืงื•ืคืช ืื›ืฉืจื”?
ืชืงื•ืคืช ืื›ืฉืจื” ื”ื™ื ื–ืžืŸ ื”ืžืชื ื” ืžืจื’ืข ื”ื”ืฆื˜ืจืคื•ืช ื•ืขื“ ืฉื”ื›ื™ืกื•ื™ ื ื›ื ืก ืœืชื•ืงืฃ ืœืžืฆื‘ื™ื ืžืกื•ื™ืžื™ื. ืœืจื•ื‘ 3-6 ื—ื•ื“ืฉื™ื ืœืžืฆื‘ื™ื ื—ื“ืฉื™ื, ื•ืขื“ 12-24 ื—ื•ื“ืฉื™ื ืœืžืฆื‘ื™ื ืงื™ื™ืžื™ื. ืœื›ืŸ ื—ืฉื•ื‘ ืœื”ืฆื˜ืจืฃ ื›ืฉืืชื” ื‘ืจื™ื.
ืื™ื–ื” ื‘ื™ื˜ื•ื— ื‘ืจื™ืื•ืช ืžื•ืžืœืฅ ืœืžืฉืคื—ื•ืช?
ืœืžืฉืคื—ื•ืช ืžื•ืžืœืฆื•ืช ื”ืจืืœ ื•ืžื’ื“ืœ - ืฉืชื™ื”ืŸ ืžืฆื™ืขื•ืช ื”ื ื—ื•ืช ืœืจื™ื‘ื•ื™ ืžื‘ื•ื˜ื—ื™ื, ื›ื™ืกื•ื™ ืœื™ืœื“ื™ื ืขื“ ื’ื™ืœ 21, ื•ื›ื™ืกื•ื™ ื”ืจื™ื•ืŸ ื•ืœื™ื“ื”. ื—ืฉื•ื‘ ืœื‘ื“ื•ืง ืฉื”ืคื•ืœื™ืกื” ื›ื•ืœืœืช ื‘ื“ื™ืงื•ืช ื”ืชืคืชื—ื•ืชื™ื•ืช ืœื™ืœื“ื™ื ื•ื›ื™ืกื•ื™ ืœืžื—ืœื•ืช ื™ืœื“ื™ื ื ืคื•ืฆื•ืช.
ื”ื‘ืจื™ืื•ืช ืฉืœืš ื—ืฉื•ื‘ื”

ืžื•ื›ื ื™ื ืœื”ื’ืŸ ืขืœ ื”ื‘ืจื™ืื•ืช ืฉืœื›ื?

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

ื”ืฉื•ื•ื” ืžื—ื™ืจื™ื ืขื›ืฉื™ื•

ื ื•ืฉืื™ื ืงืฉื•ืจื™ื

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

ื˜ื‘ืœืช ืžื—ื™ืจื™ื ืžืœืื” โ†

ืžื“ืจื™ืš ื‘ื™ื˜ื•ื— ื‘ืจื™ืื•ืช

ื›ืœ ืžื” ืฉืฆืจื™ืš ืœื“ืขืช โ†

ืื™ืš ืœื‘ื—ื•ืจ ื‘ื™ื˜ื•ื— ื‘ืจื™ืื•ืช

ืžื“ืจื™ืš ืžืœื โ†
ืงื‘ืœ ื”ืฆืขืช ืžื—ื™ืจ ื—ื™ื ื