{"id":3533,"date":"2022-07-04T00:31:19","date_gmt":"2022-07-03T17:31:19","guid":{"rendered":"https:\/\/bizuni.vn\/dau-tu\/?p=3533"},"modified":"2022-07-04T00:31:30","modified_gmt":"2022-07-03T17:31:30","slug":"chuye%cc%82n-gia-la%cc%82m-minh-chanh-thu-nha%cc%82p-20-trie%cc%82u-dong-thang-thi-du%cc%9bng-mua-bao-hie%cc%82%cc%89m-nha%cc%82n-tho-kieu-vung-tien","status":"publish","type":"post","link":"https:\/\/bizuni.vn\/dau-tu\/chuye%cc%82n-gia-la%cc%82m-minh-chanh-thu-nha%cc%82p-20-trie%cc%82u-dong-thang-thi-du%cc%9bng-mua-bao-hie%cc%82%cc%89m-nha%cc%82n-tho-kieu-vung-tien\/","title":{"rendered":"Chuye\u0302n gia La\u0302m Minh Ch\u00e1nh: Thu nh\u1ea1\u0302p 20 tri\u1eb9\u0302u \u0111\u1ed3ng\/th\u00e1ng th\u00ec \u0111u\u031b\u0300ng mua b\u1ea3o hie\u0302\u0309m nha\u0302n th\u1ecd ki\u1ec3u vung ti\u1ec1n!"},"content":{"rendered":"

\u201cBa\u0309o hie\u0302\u0309m nha\u0302n tho\u0323 ra\u0302\u0301t quan tro\u0323ng vo\u031b\u0301i tu\u031b\u0300ng ca\u0301 nha\u0302n, gia \u0111i\u0300nh. Ngu\u031bo\u031b\u0300i da\u0302n ne\u0302n chi 1% – 3% thu nh\u1eadp \u0111e\u0302\u0309 tham gia ba\u0309o hie\u0302\u0309m nha\u0302n tho\u0323 thua\u0302\u0300n tu\u0301y, hoa\u0323\u0306c 7% – 12% thu nh\u1eadp \u0111e\u0302\u0309 tham gia ba\u0309o hie\u0302\u0309m nha\u0302n tho\u0323 co\u0301 ti\u0301ch lu\u0303y. Mua i\u0301t qua\u0301 gia \u0111i\u0300nh se\u0303 kho\u0302ng \u0111u\u031bo\u031b\u0323c ba\u0309o ve\u0323\u0302. Mua nhie\u0302\u0300u qua\u0301 thi\u0300 co\u0301 kha\u0309 na\u0306ng kho\u0302ng theo \u0111u\u031bo\u031b\u0323c\u201d,<\/strong> o\u0302ng La\u0302m Minh Cha\u0301nh chia se\u0309.<\/p>\n

M\u1edbi \u0111\u00e2y chuy\u1ec7n mua B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u1ee7a v\u1ee3 ch\u1ed3ng anh Khoa ch\u1ecb Li\u00ean \u1edf \u0110\u1ed1ng \u0110a (H\u00e0 N\u1ed9i) thu h\u00fat s\u1ef1 ch\u00fa \u00fd c\u1ee7a c\u1ed9ng \u0111\u1ed3ng. Gia \u0111\u00ecnh c\u00f3 2 con nh\u1ecf, t\u1ed5ng thu nh\u1eadp c\u1ee7a hai v\u1ee3 ch\u1ed3ng l\u00e0 20 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng, tham gia hai h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u1edbi t\u1ed5ng ph\u00ed b\u1ea3o hi\u1ec3m h\u00e0ng n\u0103m l\u00e0 39 tri\u1ec7u \u0111\u1ed3ng, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 16% t\u1ed5ng thu nh\u1eadp c\u1ee7a hai v\u1ee3 ch\u1ed3ng\/n\u0103m.<\/p>\n

\u0110\u1ebfn n\u0103m th\u1ee9 5, do Covid-19, ng\u01b0\u1eddi v\u1ee3 th\u1ea5t nghi\u1ec7p 5 th\u00e1ng, c\u00f4ng vi\u1ec7c t\u00ecm \u0111\u01b0\u1ee3c l\u01b0\u01a1ng ch\u1ec9 c\u00f2n 7 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng k\u00e9o theo t\u1ed5ng thu nh\u1eadp hai v\u1ee3 ch\u1ed3ng gi\u1ea3m c\u00f2n 16 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng, kho\u1ea3n ti\u1ec1n 39 tri\u1ec7u \u0111\u1ed3ng \u0111\u00f3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd tr\u1edf th\u00e0nh g\u00e1nh n\u1eb7ng. B\u1ecf h\u1ee3p \u0111\u1ed3ng sau 5 n\u0103m tham gia \u0111\u1ec3 l\u1ea5y ti\u1ec1n v\u1ec1 th\u00ec l\u1ed7 nhi\u1ec1u qu\u00e1, c\u00f2n theo ti\u1ebfp th\u00ec m\u1ec7t m\u1ecfi v\u00f4 c\u00f9ng, ng\u01b0\u1eddi v\u1ee3 than th\u1edf.<\/p>\n

Ch\u00fang t\u00f4i \u0111\u00e3 \u0111em c\u00e2u chuy\u1ec7n n\u00e0y \u0111\u1ebfn g\u1eb7p \u00f4ng L\u00e2m Minh Ch\u00e1nh – Gi\u00e1m \u0111\u1ed1c H\u1ecdc vi\u1ec7n Kinh doanh & T\u00e0i ch\u00ednh BizUni, t\u00e1c gi\u1ea3 cu\u1ed1n s\u00e1ch b\u00e1n ch\u1ea1y “T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n d\u00e0nh cho ng\u01b0\u1eddi Vi\u1ec7t Nam”<\/a>, c\u00f3 nhi\u1ec1u n\u0103m kinh nghi\u1ec7m trong ng\u00e0nh t\u00e0i ch\u00ednh v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 trong ng\u00e0nh Ba\u0309o hie\u0302\u0309m nha\u0302n tho\u0323, v\u1edbi nh\u1eefng v\u1ecb tr\u00ed qu\u1ea3n l\u00fd cao c\u1ea5p t\u1ea1i c\u00e1c t\u1eadp \u0111o\u00e0n Ba\u0309o hie\u0302\u0309m nha\u0302n tho\u0323 n\u01b0\u1edbc ngo\u00e0i.<\/p>\n

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Chuye\u0302n gia La\u0302m Minh Ch\u00e1nh: Thu nh\u1ea1\u0302p 20 tri\u1eb9\u0302u \u0111\u1ed3ng\/th\u00e1ng th\u00ec \u0111u\u031b\u0300ng mua b\u1ea3o hie\u0302\u0309m nha\u0302n th\u1ecd ki\u1ec3u vung ti\u1ec1n!<\/figcaption><\/figure>\n

* L\u00e0 ng\u01b0\u1eddi t\u1eebng gi\u1eef c\u01b0\u01a1ng v\u1ecb cao \u1edf c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u01b0 AIA, Prudential, Dai-ichi, theo \u00f4ng, v\u00ec \u0111\u00e2u m\u1ecdi ng\u01b0\u1eddi hay \u0111\u1eb7t v\u1ea5n \u0111\u1ec1 c\u00f3 n\u00ean tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd hay kh\u00f4ng?<\/strong><\/span><\/p>\n

\u00d4ng L\u00e2m Minh Ch\u00e1nh:<\/strong> Ng\u01b0\u1eddi ta \u0111\u1eb7t v\u1ea5n \u0111\u1ec1 nh\u01b0 v\u1eady l\u00e0 ch\u01b0a th\u1eadt s\u1ef1 hi\u1ec3u v\u1ec1 gi\u00e1 tr\u1ecb c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, ho\u1eb7c do b\u1ecb c\u00e1c t\u01b0 v\u1ea5n ch\u01b0a chuy\u00ean nghi\u1ec7p n\u00f3i nhi\u1ec1u qu\u00e1, “d\u00ed” qu\u00e1 n\u00ean h\u1ecd m\u1edbi c\u00f3 \u00e1c c\u1ea3m v\u1edbi b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, v\u00e0 \u0111\u1eb7t v\u1ea5n \u0111\u1ec1 l\u00e0 c\u00f3 n\u00ean tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd kh\u00f4ng.<\/p>\n

C\u00e2u tr\u1ea3 l\u1eddi l\u00e0 ch\u00fang ta n\u00ean tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd! \u0110\u1eb7c bi\u1ec7t, nh\u1eefng ng\u01b0\u1eddi \u0111ang l\u00e0 lao \u0111\u1ed9ng ch\u00ednh, l\u00e0 tr\u1ee5 c\u1ed9t \u0111\u1ed1i v\u1edbi gia \u0111\u00ecnh, l\u00e0 ngu\u1ed3n t\u00e0i ch\u00ednh ch\u1ee7 y\u1ebfu c\u1ee7a gia \u0111\u00ecnh, ph\u1ea3i tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd m\u1ed9t c\u00e1ch \u0111\u1ea7y \u0111\u1ee7 v\u00e0 nghi\u00eam t\u00fac. M\u1ed9t n\u0103m, t\u00f9y theo l\u1ee9a tu\u1ed5i, s\u1ebd c\u00f3 m\u1ed9t t\u1ef7 l\u1ec7 ng\u01b0\u1eddi t\u1eed vong nh\u1ea5t \u0111\u1ecbnh. R\u1ee7i ro n\u00e0y th\u1ec3 x\u1ea3y ra v\u1edbi b\u1ea5t k\u1ef3 ai. N\u1ebfu c\u00f3 m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u1edbi m\u1ec7nh gi\u00e1 b\u1eb1ng v\u1edbi m\u1ee9c thu nh\u1eadp 3 n\u0103m, 5 n\u0103m c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng ch\u00ednh th\u00ec gia \u0111\u00ecnh c\u1ee7a h\u1ecd \u0111\u00e3 gi\u1ea3m \u0111i r\u1ea5t nhi\u1ec1u kh\u00f3 kh\u0103n khi ch\u1eb3ng may ng\u01b0\u1eddi lao \u0111\u1ed9ng ch\u00ednh b\u1ecb r\u1ee7i ro.<\/p>\n

Tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f2n gi\u00fap ch\u00fang ta \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc nh\u1eefng r\u1ee7i ro v\u1ec1 s\u1ee9c kh\u1ecfe, gi\u00fap ch\u00fang ta kh\u00f4ng ph\u1ea3i lo v\u1ec1 ph\u00ed \u0111i\u1ec1u tr\u1ecb khi b\u1ec7nh t\u1eadt.<\/p>\n

B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f2n gi\u00fap ch\u00fang ta ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0 m\u1ed9t c\u00e1ch k\u1ef7 lu\u1eadt \u0111\u1ec3 th\u1ef1c hi\u1ec7n nh\u1eefng k\u1ebf ho\u1ea1ch trong t\u01b0\u01a1ng lai, ch\u1eb3ng h\u1ea1n nh\u01b0 t\u1ea1o qu\u1ef9 \u0111\u1ec3 tr\u1ea3 h\u1ecdc ph\u00ed cho con trong t\u01b0\u01a1ng lai, t\u00edch l\u0169y \u0111\u1ec3 mua s\u1eafm t\u00e0i s\u1ea3n\u2026 ho\u1eb7c c\u00f3 ti\u1ec1n \u0111\u1ec3 ngh\u1ec9 h\u01b0u an nh\u00e0n.<\/p>\n

Theo th\u1ed1ng k\u00ea, t\u1ef7 l\u1ec7 ng\u01b0\u1eddi d\u00e2n tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u1ee7a c\u00e1c n\u01b0\u1edbc M\u1ef9, Anh, Nh\u1eadt: 90%, Singapore: 80%, Malaysia: 10%. Trong khi \u0111\u00f3, B\u1ed9 T\u00e0i ch\u00ednh cho bi\u1ebft \u0111\u1ebfn n\u0103m 2020 ch\u1ec9 m\u1edbi kho\u1ea3ng 10% ng\u01b0\u1eddi Vi\u1ec7t Nam tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd. Ng\u01b0\u1eddi Vi\u1ec7t Nam c\u1ea7n ph\u1ea3i hi\u1ec3u bi\u1ebft \u0111\u00fang, nh\u1eadn ra gi\u00e1 tr\u1ecb v\u00e0 mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd nhi\u1ec1u h\u01a1n.<\/p>\n

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“Ch\u00fang ta n\u00ean tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd! \u0110\u1eb7c bi\u1ec7t, nh\u1eefng ng\u01b0\u1eddi \u0111ang l\u00e0 lao \u0111\u1ed9ng ch\u00ednh, l\u00e0 tr\u1ee5 c\u1ed9t \u0111\u1ed1i v\u1edbi gia \u0111\u00ecnh, l\u00e0 ngu\u1ed3n t\u00e0i ch\u00ednh ch\u1ee7 y\u1ebfu c\u1ee7a gia \u0111\u00ecnh, ph\u1ea3i tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd m\u1ed9t c\u00e1ch \u0111\u1ea7y \u0111\u1ee7 v\u00e0 nghi\u00eam t\u00fac.” – \u00f4ng L\u00e2m Minh Ch\u00e1nh chia s\u1ebb<\/figcaption><\/figure>\n

* Khi tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, ng\u01b0\u1eddi mua n\u00ean t\u00ednh to\u00e1n tham gia h\u1ee3p \u0111\u1ed3ng v\u1edbi m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m chi\u1ebfm bao nhi\u00eau ph\u1ea7n tr\u0103m so v\u1edbi thu nh\u1eadp?<\/strong><\/span><\/p>\n

\u00d4ng L\u00e2m Minh Ch\u00e1nh:<\/strong> T\u1ef7 l\u1ec7 n\u00e0y ph\u1ee5 thu\u1ed9c v\u00e0o vi\u1ec7c ch\u00fang ta mua b\u1ea3o hi\u1ec3m lo\u1ea1i n\u00e0o.<\/p>\n

N\u1ebfu mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd thu\u1ea7n t\u00fay t\u1ee9c l\u00e0 c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m t\u1eed vong, t\u1eed vong do tai n\u1ea1n, th\u01b0\u01a1ng t\u1eadt to\u00e0n b\u1ed9 v\u0129nh vi\u1ec5n, c\u00e1c b\u1ea3o hi\u1ec3m li\u00ean quan \u0111\u1ebfn vi\u1ec7c kh\u00e1m ch\u1eefa b\u1ec7nh\u2026 th\u00ec ph\u00ed b\u1ea3o hi\u1ec3m ph\u1ea3i tr\u1ea3 h\u00e0ng n\u0103m c\u00f3 th\u1ec3 chi\u1ebfm kho\u1ea3ng 1% – 3% c\u1ee7a t\u1ed5ng thu nh\u1eadp. Khi r\u1ee7i ro x\u1ea3y ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u01b0\u1ee3c nh\u1eadn ti\u1ec1n b\u1ea3o hi\u1ec3m. Khi r\u1ee7i ro kh\u00f4ng x\u1ea3y ra th\u00ec ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m m\u1ea5t ti\u1ec1n \u0111\u00e3 \u0111\u00f3ng ph\u00ed b\u1ea3o hi\u1ec3m, nh\u01b0ng h\u1ecd n\u00ean th\u1ea5y vui v\u00ec r\u1ee7i ro \u0111\u00e3 kh\u00f4ng x\u1ea3y ra, v\u00e0 ti\u1ec1n ph\u00ed b\u1ea3o hi\u1ec3m m\u00e0 h\u1ecd \u0111\u00e3 \u0111\u00f3ng r\u1ebb h\u01a1n nhi\u1ec1u so v\u1edbi gi\u00e1 tr\u1ecb c\u1ee7a s\u1ef1 an t\u00e2m.<\/p>\n

N\u1ebfu mua b\u1ea3o hi\u1ec3m h\u1ed7n h\u1ee3p ho\u1eb7c b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0, t\u1ee9c l\u00e0 nh\u1eefng s\u1ea3n ph\u1ea9m g\u1ed3m c\u00f3 2 ph\u1ea7n: Ph\u1ea7n b\u1ea3o hi\u1ec3m thu\u1ea7n t\u00fay nh\u01b0 s\u1ea3n ph\u1ea9m b\u00ean tr\u00ean, v\u00e0 Ph\u1ea7n t\u00edch l\u0169y t\u00e0i ch\u00ednh, th\u00ec ph\u00ed b\u1ea3o hi\u1ec3m ph\u1ea3i tr\u1ea3 h\u00e0ng n\u0103m n\u00ean chi\u1ebfm kho\u1ea3ng 7 – 12% c\u1ee7a t\u1ed5ng thu nh\u1eadp. Nh\u1eefng ng\u01b0\u1eddi kh\u00e1 gi\u1ea3, t\u00e0i ch\u00ednh tho\u1ea3i m\u00e1i, c\u00f3 th\u1ec3 mua b\u1ea3o hi\u1ec3m d\u1ea1ng t\u00edch l\u0169y n\u00e0y \u0111\u1ebfn m\u1ee9c 15% thu nh\u1eadp c\u1ee7a h\u1ecd. Khi r\u1ee7i ro x\u1ea3y ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u01b0\u1ee3c nh\u1eadn ti\u1ec1n b\u1ea3o hi\u1ec3m. Khi r\u1ee7i ro kh\u00f4ng x\u1ea3y ra th\u00ec ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m v\u1eabn nh\u1eadn \u0111\u01b0\u1ee3c ti\u1ec1n khi \u0111\u00e1o h\u1ea1n, sau 15, 20, 25 n\u0103m. S\u1ed1 ti\u1ec1n h\u1ecd d\u00f9ng \u0111\u1ec3 h\u1ecdc ph\u00ed cho con, mua s\u1eafm t\u00e0i s\u1ea3n, ho\u1eb7c \u0111\u1ec3 ngh\u1ec9 h\u01b0u an nh\u00e0n, t\u1ef1 do t\u00e0i ch\u00ednh.<\/p>\n

\u0110\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p c\u1ee7a b\u00e0i b\u00e1o, gia \u0111\u00ecnh n\u00e0y \u0111ang \u1edf m\u1ee9c “ch\u1eadt v\u1eadt”, thu ch\u1ec9 \u0111\u1ee7 b\u00f9 chi, m\u00e0 chi tr\u1ea3 16% cho b\u1ea3o hi\u1ec3m l\u00e0 qu\u00e1 cao.<\/p>\n

* \u00d4ng c\u00f3 th\u1ec3 ph\u00e2n t\u00edch s\u00e2u v\u1ec1 vi\u1ec7c mua b\u1ea3o hi\u1ec3m c\u1ee7a gia \u0111\u00ecnh trong b\u00e0i b\u00e1o? V\u1edbi thu nh\u1eadp nh\u01b0 tr\u00ean, h\u1ecd n\u00ean mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd nh\u01b0 th\u1ebf n\u00e0o th\u00ec ph\u00f9 h\u1ee3p?<\/strong><\/span><\/p>\n

\u00d4ng L\u00e2m Minh Ch\u00e1nh:<\/strong> Theo nh\u01b0 l\u1eddi k\u1ec3 c\u1ee7a gia \u0111\u00ecnh \u0111\u00f3 tr\u00ean b\u00e1o, th\u00ec t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd \u0111ang \u1edf th\u1ebf ch\u1eadt v\u1eadt. Thu nh\u1eadp m\u1ee9c thu nh\u1eadp 20 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng m\u00e0 l\u1ea1i c\u00f3 con th\u00ec r\u1ea5t kh\u00f3 d\u01b0 ra ti\u1ec1n. Nguy\u00ean t\u1eafc qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n m\u00e0 t\u00f4i chia s\u1ebb, v\u00e0 vi\u1ebft r\u00f5 trong s\u00e1ch “T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n d\u00e0nh cho ng\u01b0\u1eddi Vi\u1ec7t Nam” l\u00e0:<\/p>\n

– Ki\u1ebfm ti\u1ec1n v\u1edbi c\u00f4ng su\u1ea5t cao nh\u1ea5t,<\/p>\n

– Ti\u1ebft ki\u1ec7m tr\u01b0\u1edbc khi chi ti\u00eau,<\/p>\n

– Chi ti\u00eau h\u1ebft s\u1ee9c th\u00f4ng minh,<\/p>\n

– T\u00edch l\u0169y v\u00e0o b\u1ea3o v\u1ec7 ti\u1ec1n,<\/p>\n

– \u0110\u1ea7u t\u01b0 ti\u1ec1n \u0111\u1ec3 ti\u1ec1n sinh ra ti\u1ec1n,<\/p>\n

– \u0110\u1ea1t m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh<\/p>\n

Gia \u0111\u00ecnh n\u00e0y \u0111ang b\u1ecb kh\u00f3 trong vi\u1ec7c ki\u1ebfm ra ti\u1ec1n. H\u1ecd c\u1ea7n ph\u1ea3i n\u1ed7 l\u1ef1c h\u01a1n \u0111\u1ec3 ki\u1ebfm ra nhi\u1ec1u ti\u1ec1n h\u01a1n. Khi ki\u1ebfm ra nhi\u1ec1u ti\u1ec1n h\u01a1n, v\u00e0 bi\u1ebft qu\u1ea3n l\u00fd ti\u1ec1n kh\u00f4n ngoan th\u00ec h\u1ecd m\u1edbi c\u00f3 d\u01b0 ra ti\u1ec1n \u0111\u1ec3 ti\u1ebft ki\u1ec7m, \u0111\u1ec3 \u0111\u1ea7u t\u01b0 hay \u0111\u1ec3 mua b\u1ea3o hi\u1ec3m d\u1ea1ng t\u00edch l\u0169y.<\/p>\n

V\u1edbi t\u00ecnh tr\u1ea1ng thu nh\u1eadp hi\u1ec7n nay, ti\u1ec1n d\u01b0 ra c\u00f2n \u00edt, khi mua b\u1ea3o hi\u1ec3m gia \u0111\u00ecnh n\u00e0y n\u00ean c\u00e2n nh\u1eafc hai l\u1ef1a ch\u1ecdn.<\/p>\n

M\u1ed9t l\u00e0 h\u1ecd mua b\u1ea3o hi\u1ec3m t\u00edch l\u0169y v\u1edbi m\u1ec7nh gi\u00e1 th\u1ea5p h\u01a1n, m\u1ee9c ph\u00ed \u0111\u00f3ng th\u1ea5p h\u01a1n. T\u00f4i ngh\u0129 kho\u1ea3ng 12 -15 tri\u1ec7u \u0111\u1ed3ng\/n\u0103m l\u00e0 ph\u00f9 h\u1ee3p. Nh\u01b0 v\u1eady h\u1ecd v\u1eeba b\u1ea3o v\u1ec7 \u0111\u01b0\u1ee3c r\u1ee7i ro, v\u1eeba c\u00f3 th\u1ec3 t\u00edch l\u0169y, tuy kh\u00f4ng l\u1edbn l\u1eafm cho t\u01b0\u01a1ng lai c\u1ee7a gia \u0111\u00ecnh.<\/p>\n

\"\"
Mua b\u1ea3o hi\u1ec3m kho\u1ea3ng 12 -15 tri\u1ec7u \u0111\u1ed3ng\/n\u0103m l\u00e0 ph\u00f9 h\u1ee3p. Nh\u01b0 v\u1eady b\u1ea1n v\u1eeba b\u1ea3o v\u1ec7 \u0111\u01b0\u1ee3c r\u1ee7i ro, v\u1eeba c\u00f3 th\u1ec3 t\u00edch l\u0169y, tuy kh\u00f4ng l\u1edbn l\u1eafm cho t\u01b0\u01a1ng lai c\u1ee7a gia \u0111\u00ecnh.<\/figcaption><\/figure>\n

Hai l\u00e0 h\u1ecd mua b\u1ea3o hi\u1ec3m thu\u1ea7n t\u00fay b\u1ea3o v\u1ec7. H\u1ecd ch\u1ec9 c\u1ea7n chi ra 4 – 6 tri\u1ec7u \u0111\u1ed3ng\/n\u0103m \u0111\u1ec3 mua s\u1ea3n ph\u1ea9m thu\u1ea7n t\u00fay b\u1ea3o v\u1ec7 r\u1ee7i ro. Ti\u1ec1n d\u01b0 ra 10 – 15 tri\u1ec7u \u0111\u1ed3ng\/n\u0103m, h\u1ecd c\u00f3 th\u1ec3 g\u1eedi ng\u00e2n h\u00e0ng \u0111\u1ec3 t\u0103ng tr\u01b0\u1edfng ti\u1ec1n, t\u00edch l\u0169y cho t\u01b0\u01a1ng lai. L\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng s\u1ebd cao h\u01a1n t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn c\u1ee7a s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m h\u1ed7n h\u1ee3p, v\u00e0 c\u00f3 th\u1ec3 th\u1ea5p h\u01a1n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0. \u01afu \u0111i\u1ec3m c\u1ee7a g\u1eedi ng\u00e2n h\u00e0ng l\u00e0 linh ho\u1ea1t h\u01a1n b\u1ea3o hi\u1ec3m t\u00edch l\u0169y. H\u1ecd d\u01b0 \u0111\u01b0\u1ee3c bao nhi\u00eau th\u00ec g\u1eedi b\u1ea5y nhi\u00eau, v\u00e0 khi kh\u00f3 kh\u0103n th\u00ec c\u00f3 th\u1ec3 r\u00fat ra d\u1ec5 d\u00e0ng. C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng t\u1ea1o \u0111i\u1ec1u ki\u1ec7n linh ho\u1ea1t cho kh\u00e1ch h\u00e0ng. Tuy v\u1eady, s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, v\u00ec c\u1ea7n c\u00f3 th\u1eddi gian \u0111\u1ec3 t\u00edch l\u0169y gi\u00e1 tr\u1ecb, n\u00ean kh\u00f4ng th\u1ec3 linh ho\u1ea1t b\u1eb1ng ng\u00e2n h\u00e0ng.<\/p>\n

N\u1ebfu ti\u1ebfp c\u1eadn v\u1ea5n \u0111\u1ec1 \u1edf g\u00f3c nh\u00ecn kh\u00e1c, th\u00ec s\u1ef1 kh\u00f4ng linh ho\u1ea1t cao c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd s\u1ebd gi\u00fap kh\u00e1ch h\u00e0ng ph\u1ea3i ti\u1ebft ki\u1ec7m m\u1ed9t c\u00e1ch k\u1ef9 lu\u1eadt, t\u1ee9c l\u00e0 h\u1ecd ph\u1ea3i c\u1ed1 g\u1eafng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh \u0111\u1ec3 \u0111\u00f3ng ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 t\u00edch l\u0169y h\u00e0ng n\u0103m, n\u1ebfu kh\u00f4ng th\u00ec s\u1ebd b\u1ecb thi\u1ec7t h\u1ea1i. Trong khi \u0111\u00f3, s\u1ef1 linh ho\u1ea1t c\u1ee7a ng\u00e2n h\u00e0ng s\u1ebd l\u00e0m cho nh\u1eefng kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng t\u1ef1 k\u1ef7 lu\u1eadt, s\u1ebd kh\u00f4ng t\u00edch l\u0169y \u0111\u01b0\u1ee3c \u0111\u1ec1u \u0111\u1eb7n.<\/p>\n

R\u1ea5t ti\u1ebfc l\u00e0 gia \u0111\u00ecnh n\u00e0y \u0111\u00e3 g\u1eb7p ph\u1ea3i m\u1ed9t t\u01b0 v\u1ea5n, ho\u1eb7c l\u00e0 kh\u00f4ng n\u1eafm ki\u1ebfn th\u1ee9c, ho\u1eb7c l\u00e0 ch\u1ec9 lo ngh\u0129 v\u1ec1 hoa h\u1ed3ng, v\u1ec1 ch\u1ec9 ti\u00eau c\u1ee7a m\u00ecnh m\u00e0 \u0111\u00e3 t\u01b0 v\u1ea5n ch\u01b0a ph\u00f9 h\u1ee3p cho h\u1ecd.<\/p>\n

B\u1ea1n c\u00f3 th\u1ec3 mua b\u1ea3o hi\u1ec3m thu\u1ea7n tu\u00fd (ph\u00ed th\u1ea5p) v\u00e0 d\u00f9ng s\u1ed1 ti\u1ec1n c\u00f2n l\u1ea1i \u0111\u1ec3 \u0111\u1ea7u t\u01b0 t\u00edch lu\u1ef9. B\u1ea1n h\u00e3y tham gia kho\u00e1 h\u1ecdc n\u00e0y \u0111\u1ec3 bi\u1ebft c\u00e1ch t\u00edch lu\u1ef9 ti\u1ec1n v\u1edbi l\u00e3i su\u1ea5t t\u1eeb 10% – 20%\/n\u0103m nh\u00e9. 3690 ng\u01b0\u1eddi \u0111\u00e3 h\u1ecdc v\u00e0 \u0111ang sinh s\u00f4i ti\u1ec1n c\u1ee7a m\u00ecnh. Link \u0111\u0103ng k\u00fd: https:\/\/bizuni.vn\/dau-tu-co-phieu-dai-han-dat-ty-suat-loi-nhuan-cao<\/a><\/p>\n

\n

B\u00e0i ph\u1ecfng v\u1ea5n \u00f4ng L\u00e2m Minh Ch\u00e1nh tr\u00ean b\u00e1o CafeBiz ng\u00e0y 21\/5\/2021
\n<\/em>Link b\u00e0i g\u1ed1c: https:\/\/cafebiz.vn\/chuyen-gia-lam-minh-chanh-thu-nhap-20-trieu-dong-thang-thi-phai-biet-mua-bao-hiem-nhan-tho-mot-cach-phu-hop-20210521150711319.chn<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

\u201cBa\u0309o hie\u0302\u0309m nha\u0302n tho\u0323 ra\u0302\u0301t quan tro\u0323ng vo\u031b\u0301i tu\u031b\u0300ng ca\u0301 nha\u0302n, gia \u0111i\u0300nh. Ngu\u031bo\u031b\u0300i da\u0302n ne\u0302n chi 1% – 3% thu nh\u1eadp \u0111e\u0302\u0309 tham gia ba\u0309o hie\u0302\u0309m nha\u0302n tho\u0323 thua\u0302\u0300n tu\u0301y, hoa\u0323\u0306c 7% – 12% thu nh\u1eadp \u0111e\u0302\u0309 tham gia ba\u0309o hie\u0302\u0309m nha\u0302n tho\u0323 co\u0301 ti\u0301ch lu\u0303y. Mua i\u0301t qua\u0301 gia \u0111i\u0300nh se\u0303 kho\u0302ng \u0111u\u031bo\u031b\u0323c…<\/p>\n","protected":false},"author":2,"featured_media":3537,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"default","_kad_post_title":"default","_kad_post_layout":"default","_kad_post_sidebar_id":"","_kad_post_content_style":"default","_kad_post_vertical_padding":"default","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[2],"tags":[55],"class_list":["post-3533","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tai-chinh-ca-nhan","tag-bao-hiem-nhan-tho"],"featured_image_src_large":["https:\/\/i0.wp.com\/bizuni.vn\/dau-tu\/wp-content\/uploads\/2022\/07\/lam-minh-chanh-tai-chinh-ca-nhan-1.jpg?fit=1024%2C536&ssl=1",1024,536,true],"author_info":{"display_name":"Hi\u1ec1n Nguy\u1ec5n","author_link":"https:\/\/bizuni.vn\/dau-tu\/author\/hn\/"},"comment_info":0,"category_info":[{"term_id":2,"name":"T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n","slug":"tai-chinh-ca-nhan","term_group":0,"term_taxonomy_id":2,"taxonomy":"category","description":"Chuy\u00ean trang g\u1ed3m nh\u1eefng b\u00e0i vi\u1ebft v\u1ec1 T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ee7a t\u00e1c gi\u1ea3 L\u00e2m Minh Ch\u00e1nh","parent":0,"count":17,"filter":"raw","cat_ID":2,"category_count":17,"category_description":"Chuy\u00ean trang g\u1ed3m nh\u1eefng b\u00e0i vi\u1ebft v\u1ec1 T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ee7a t\u00e1c gi\u1ea3 L\u00e2m Minh Ch\u00e1nh","cat_name":"T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n","category_nicename":"tai-chinh-ca-nhan","category_parent":0}],"tag_info":[{"term_id":55,"name":"b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd","slug":"bao-hiem-nhan-tho","term_group":0,"term_taxonomy_id":55,"taxonomy":"post_tag","description":"","parent":0,"count":2,"filter":"raw"}],"taxonomy_info":{"category":[{"value":2,"label":"T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n"}],"post_tag":[{"value":55,"label":"b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd"}]},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/bizuni.vn\/dau-tu\/wp-content\/uploads\/2022\/07\/lam-minh-chanh-tai-chinh-ca-nhan-1.jpg?fit=1200%2C628&ssl=1","_links":{"self":[{"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/posts\/3533","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/comments?post=3533"}],"version-history":[{"count":1,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/posts\/3533\/revisions"}],"predecessor-version":[{"id":3538,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/posts\/3533\/revisions\/3538"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/media\/3537"}],"wp:attachment":[{"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/media?parent=3533"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/categories?post=3533"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/tags?post=3533"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}