Financial Page 65-88

Financial Page 65-88 - 65...

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Unformatted text preview: 65 √Ÿâ√Õ∫¥â“π..·ºπ°“√‡ß‘π √Õ∫§Õ∫°—∫™’«‘μ ¥â«¬°“√«“ß·ºπ°“√‡ß‘π‡æ◊ËÕ°“√‡°…’¬≥ (Retirement Planning) 48-CP-004_065-088_G 10/11/05, 10:39 AM 65 Financial Planning 66 ‡¡◊ËÕ †¬—ßÕ¬Ÿà„π«—¬Àπÿà¡ “« ‡√“¡—°‰¡à§àÕ¬π÷°∂÷ß°“√«“ß·ºπ°“√‡ß‘π ”À√—∫Õπ“§μ ‡∑à“‰√π—° ‚¥¬‡©æ“–·ºπ°“√‡ß‘π∑’Ë®– ”√Õ߉«â„™â‡¡◊ËÕ∂÷ß«—¬‡°…’¬≥ à«π„À≠à®–¡—«·μà∫√‘À“√ ®—¥°“√‡©æ“–§à“„™â®à“¬∑’Ë®”‡ªìπ„πªí®®ÿ∫—π ‚¥¬Õ“®®–º—¥ºàÕπ°“√«“ß·ºπ°“√‡ß‘π„π«—¬‡°…’¬≥ ‰ª°àÕπÕ¬à“߉¡à¡’°”Àπ¥ ‚¥¬∑’ËÀ“√Ÿâ‰¡à«à“ ¬‘Ë߇√‘Ë¡≈ß¡◊ՙⓇ∑à“„¥ ¬‘Ëß∑”„Àâ¬Õ¥‡ß‘π – ¡ „πÕπ“§μ≈¥≈ß À√◊Õ‰¡à‡ªìπ‰ªμ“¡‡ªÑ“À¡“¬‰¥â¡“°¢÷Èπ‡∑à“π—Èπ ·¡â«à“°“√«“ß·ºπ°“√‡ß‘π‡æ◊ËÕ°“√‡°…’¬≥®–¡’§«“¡ ”§—≠¡“°‡æ’¬ß„¥°Áμ“¡ ·μà §π à«π„À≠àÕ“®¡Õ߉¡à‡ÀÁ𧫓¡ ”§—≠ „π¢≥–‡¥’¬«°—π ∫“ߧπ°ÁÕ“®®–«“ß·ºπ„π‡√◊ËÕßπ’È ‰«â·≈â««à“®–μâÕß∑”ß“πÀπ—°‡ªìπ‡«≈“ 40 ªï‡æ◊ËÕ∑’Ë®–¡’‡ß‘π·≈–∑√—æ¬å ¡∫—μ‘ – ¡‰«â ®“°∑—Èß °Õß∑ÿπ ”√Õ߇≈’Ȭߙ’æ °Õß∑ÿπ∫”π“≠ À√◊Õ ‘π∑√—æ¬åÕ◊ËπÊ ‡æ◊ËÕ„Àâ‡æ’¬ßæÕ∑’Ë®–„™â®à“¬ ‡¡◊ËÕ∂÷ß«—¬‡°…’¬≥ À“°¡’°“√¡Õß°“√≥剰≈‰«âμ—Èß·μàμâπ ‚¥¬«“ß·ºπ∑“ß°“√‡ß‘π‡æ◊ËÕ ”√Õ߉«â„™â®à“¬„𠬓¡‡°…’¬≥ ‡∑à“°—∫‡ªìπ‡§√◊ËÕß√—∫ª√–°—π‰¥â«à“§ÿ≥®–¡’™’«‘μ∑’Ë ÿ¢ ∫“¬μ≈Õ¥‰ª ‚¥¬‰¡àμâÕß ¡“‡¥◊Õ¥√âÕπ¬“¡·°à‡≤à“‡æ√“–∑”ß“πÀ“√“¬‰¥â¡“‡≈’Ȭßμ—«‡Õ߉¡à‰¥â ‡¡◊ËÕμ√–Àπ—°∂÷ߧ«“¡ ”§—≠ ¢Õß·ºπ°“√‡ß‘π„π à«ππ’È·≈â« ¡“‡√àß«“߇ªÑ“À¡“¬„π°“√«“ß·ºπ°“√‡ß‘π‡æ◊ËÕ°“√‡°…’¬≥‰«âμ—Èß·μà ‡π‘Ëπʆ¥’°«à“ 48-CP-004_065-088_G 10/11/05, 10:39 AM 66 67 √Ÿâ√Õ∫¥â“π..·ºπ°“√‡ß‘π ¡Õ߉ª¢â“ßÀπâ“ μ—È߇ªÑ“À¡“¬∑’Ë™—¥‡®π„π°“√‡°…’¬≥ ‡æ◊ËÕ„Àâ·ºπ∑“ß°“√‡ß‘π‡æ◊ËÕ„™â„π°“√‡°…’¬≥¥”‡π‘π‰ªÕ¬à“ß¡’ª√– ‘∑∏‘¿“æ μâÕß¡’°“√...
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