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дҫқж“ҡеңӢ家зҷјеұ•е§”е“ЎжңғжҺЁдј°пјҢж°‘еңӢ115е№ҙиҖҒе№ҙдәәеҸЈе°Үи¶…йҒҺзёҪдәәеҸЈж•ёзҡ„20пј…пјҢиҲҮж—Ҙжң¬гҖҒеҚ—йҹ“гҖҒж–°еҠ еқЎеҸҠжӯҗжҙІйғЁеҲҶеңӢ家еҗҢеҲ—зӮәгҖҢи¶…й«ҳйҪЎзӨҫжңғгҖҚгҖӮйқўе°Қй•·еЈҪй«ҳйҪЎйўЁжҡҙдҫҶиҘІпјҢеҰӮдҪ•йҖҸйҒҺжҠ•иіҮзҗҶиІЎжҸҗй«ҳжүҖеҫ—жӣҝд»ЈзҺҮпјҢжҲ–ж“ҙеӨ§иіҮйҮ‘ж•ҲзӣҠпјҢйҒ”еҲ°дәәз”ҹдёҚеҗҢйҡҺж®өзҡ„зӣ®жЁҷпјҢжҲҗзӮә當дёӢжңҖйҮҚиҰҒзҡ„иӘІйЎҢгҖӮжңүй‘‘ж–јжӯӨпјҢиӢұеңӢдҝқиӘ дәәеЈҪжҺЁеҮә5зЁ®е№ЈеҲҘиЁҲеғ№зҡ„гҖҢдҝқиӘ дәәеЈҪж–°еҜҢеҲ©ж»ҝж»ҝи®ҠйЎҚе№ҙйҮ‘дҝқйҡӘв•ұи®ҠйЎҚеЈҪйҡӘпјҲж–°иҮәе№Јв•ұеӨ–е№ЈпјүгҖҚпјҢж”ңжүӢйҮҺжқ‘жҠ•дҝЎд»ҘжҠ•иіҮеһӢдҝқе–®йҖЈзөҗгҖҢйҮҺжқ‘е…ӯе№ҙзӣ®жЁҷеҲ°жңҹдәһеӨӘж–°иҲҲеӮөеҲёеҹәйҮ‘гҖҚпјҢеҸҠгҖҢйҮҺжқ‘е…ӯе№ҙйҡҺжўҜеҲ°жңҹдәһеӨӘж–°иҲҲеӮөеҲёеҹәйҮ‘гҖҚпјҢз”ұиҮәзҒЈдјҒйҠҖзҚЁе®¶йҠ·е”®пјҢжҸҗдҫӣеҫҢ收еһӢи®ҠйЎҚе№ҙйҮ‘дҝқйҡӘеҸҠи®ҠйЎҚеЈҪйҡӘе№іеҸ°пјҢдҝқиІ»зҷҫеҲҶзҷҫжҠ•иіҮпјҢжҗ¶еҫ—еёӮе ҙе…Ҳж©ҹпјҢдҝқйҡңжҠ•иіҮйӣҷж•ҲеҗҲдёҖпјҢдёҰдҫқдҝқжҲ¶дёҚеҗҢзҡ„зӣ®жЁҷиЁӯе®ҡпјҢеҸҜйҒёж“ҮгҖҢдёҖиҲ¬еһӢгҖҚзӣ®жЁҷеҲ°жңҹеҹәйҮ‘пјҢжҲ–йҒёж“ҮгҖҢйҡҺжўҜеһӢгҖҚзӣ®жЁҷеҲ°жңҹеҹәйҮ‘пјҢиіҮйҮ‘йҒӢз”ЁжӣҙеҪҲжҖ§пјҢжү“йҖ жҠ•иіҮж–°зӯ–з•ҘпјҢе…ұеүөең“ж»ҝдәәз”ҹгҖӮгҖҢдҝқиӘ дәәеЈҪж–°еҜҢеҲ©ж»ҝж»ҝи®ҠйЎҚе№ҙйҮ‘дҝқйҡӘв•ұи®ҠйЎҚеЈҪйҡӘпјҲж–°иҮәе№Јв•ұеӨ–е№ЈпјүгҖҚе…·еӮҷдёүеӨ§зү№иүІпјҡдёҖгҖҒдҫқдҝқжҲ¶дёҚеҗҢзӣ®жЁҷиЁӯе®ҡпјҢеҪҲжҖ§йҒёж“Үзӣ®жЁҷеҲ°жңҹеҹәйҮ‘пјҢеҜҰзҸҫиІЎеҜҢжӣҙйқҲжҙ»пјҡдҝқиӘ дәәеЈҪгҖҢж–°еҜҢеҲ©ж»ҝж»ҝгҖҚйҖЈзөҗгҖҢйҮҺжқ‘е…ӯе№ҙзӣ®жЁҷеҲ°жңҹдәһеӨӘж–°иҲҲеӮөеҲёеҹәйҮ‘гҖҚеҸҠгҖҢйҮҺжқ‘е…ӯе№ҙйҡҺжўҜеҲ°жңҹдәһеӨӘж–°иҲҲеӮөеҲёеҹәйҮ‘гҖҚпјҢзӮәжҘӯз•Ңе°‘ж•ёжҸҗдҫӣгҖҢдёҖиҲ¬еһӢгҖҚеҸҠгҖҢйҡҺжўҜеһӢгҖҚдёҚеҗҢйҒёж“Үзҡ„зӣ®жЁҷеҲ°жңҹеҹәйҮ‘е•Ҷе“ҒпјҢдёҖиҲ¬еһӢзӣ®жЁҷеҲ°жңҹеҹәйҮ‘зӮәе…ӯе№ҙеҲ°жңҹиІ·еӣһпјҢиҖҢйҡҺжўҜеһӢзӣ®жЁҷеҲ°жңҹеҹәйҮ‘еүҮ於第еӣӣе№ҙгҖҒ第дә”е№ҙиҮӘеӢ•жҸҗеүҚиІ·еӣһйғЁеҲҶжҜ”дҫӢе–®дҪҚж•ёпјҢдҝқжҲ¶еҸҜд»Ҙдҫқж“ҡеҖӢдәәе°Қж–јиІЎеҜҢзҙҜз©Қзҡ„зӣ®жЁҷдҪңдёҚеҗҢйҒёж“ҮпјҢи®“иіҮйҮ‘йҒӢз”ЁжӣҙжңүеҪҲжҖ§гҖӮдәҢгҖҒе№ҙйҮ‘в•ұеЈҪйҡӘе№іеҸ°пјҢдә”зЁ®е№ЈеҲҘиҮӘз”ұйҒёпјҢж»ҝи¶ідёҚеҗҢйңҖжұӮпјҡи©Іе•Ҷе“ҒеҗҢжҷӮжҺЁеҮәи®ҠйЎҚе№ҙйҮ‘дҝқйҡӘгҖҒи®ҠйЎҚеЈҪйҡӘе…©зЁ®йҒёж“ҮпјҢеңЁжЁҷзҡ„иЁҲеғ№е№ЈеҲҘж–№йқўпјҢжӣҙжҳҜзӣ®еүҚеёӮе ҙдёҠйҖЈзөҗзӣ®жЁҷеҲ°жңҹеӮөеҲёеҹәйҮ‘зҡ„дҝқйҡӘе•Ҷе“ҒдёӯпјҢж“ҒжңүжңҖеӨҡе№ЈеҲҘйҒёй …пјҢеҢ…жӢ¬ж–°иҮәе№ЈгҖҒзҫҺе…ғгҖҒдәәж°‘е№ЈгҖҒеҚ—йқһе№ЈгҖҒжҫіе№Јзӯүдә”зЁ®е№ЈеҲҘйҒёж“ҮпјҢж»ҝи¶ідёҚеҗҢж—ҸзҫӨзҡ„иіҮйҮ‘иҰҸз•«йңҖжұӮпјҢдҝқжҲ¶еҸҜиҰ–жғ…жіҒйҒёж“ҮйҒ©еҗҲиҮӘе·ұзҡ„и®ҠйЎҚе№ҙйҮ‘дҝқйҡӘжҲ–и®ҠйЎҚеЈҪйҡӘпјҢж»ҝи¶ідәәз”ҹеҗ„йҡҺж®өзҡ„иҰҸз•«гҖӮдёүгҖҒз„ЎеүҚзҪ®иІ»з”ЁпјҢдҝқиІ»зҷҫеҲҶзҷҫжҠ•иіҮпјҢеҜҢеҲ©дәәз”ҹеҘҪең“ж»ҝпјҡи©Іе•Ҷе“ҒзӮәеҫҢ收еһӢе•Ҷе“ҒпјҢеҚіж”¶еҸ–0%зҡ„еүҚзҪ®иІ»з”ЁпјҢз®ЎзҗҶ費第дёҖиҮідёүе№ҙжҜҸжңҲеғ…0.1125%пјҢ第еӣӣе№ҙпјҲеҗ«пјүд»ҘеҫҢзӮә0%пјҢдҝқжҲ¶еҸҜд»Ҙе……еҲҶжҺҢжҸЎжҠ•иіҮе…Ҳж©ҹпјҢз”ЁијғеӨҡзҡ„иіҮйҮ‘йҖІиЎҢжҠ•иіҮпјҢйҖҸйҒҺйҖЈзөҗе…ӯе№ҙжңҹзӣ®жЁҷеҲ°жңҹеӮөеҲёеҹәйҮ‘пјҢеңЁжҠ•иіҮжңҹй–“жҜҸе№ҙзҚІеҫ—з©©еҒҘ收зӣҠгҖӮдҝқиӘ дәәеЈҪз§үжҢҒдёҖиІ«зҡ„е“ҒзүҢзІҫзҘһгҖҢеӮҫиҒҪе®ўжҲ¶зҡ„иҒІйҹіпјҢеӣһжҮүе®ўжҲ¶зҡ„йңҖжұӮгҖҚпјҢд»ҘгҖҢеӮҫиҒҪгҖҚпјҲHEARпјүзӮәеғ№еҖјж ёеҝғпјҢй—ңеҝғе®ўжҲ¶еңЁдәәз”ҹеҗ„йҡҺж®өзҡ„еҒҘеә·иҲҮдҝқйҡңпјҲHealth & ProtectionпјүгҖҒеӯҗеҘіж•ҷиӮІпјҲEducationпјүгҖҒиіҮз”ўиҰҸз•«иҲҮеӮіжүҝпјҲAsset Planning & Transferringпјүд»ҘеҸҠжЁӮжҙ»йҖҖдј‘пјҲRetirementпјүзӯүеӣӣеӨ§йңҖжұӮгҖӮиҮӘеҚіж—Ҙиө·пјҢж°‘зңҫеҸҜиҮіе…ЁеңӢиҮәзҒЈдјҒйҠҖжҠ•дҝқгҖҢдҝқиӘ дәәеЈҪж–°еҜҢеҲ©ж»ҝж»ҝи®ҠйЎҚе№ҙйҮ‘дҝқйҡӘв•ұи®ҠйЎҚеЈҪйҡӘгҖҚе•Ҷе“ҒпјҢиЁұ家дәәдёҖеҖӢең“ж»ҝзҡ„е№ёзҰҸдәәз”ҹгҖӮ