{"id":3539,"date":"2022-07-04T00:49:10","date_gmt":"2022-07-03T17:49:10","guid":{"rendered":"https:\/\/bizuni.vn\/dau-tu\/?p=3539"},"modified":"2022-07-04T00:49:10","modified_gmt":"2022-07-03T17:49:10","slug":"doc-lap-tai-chinh-vs-giau-co-tien-bac-dau-tu-tich-luy-vs-dau-tu-chuyen-nghiep","status":"publish","type":"post","link":"https:\/\/bizuni.vn\/dau-tu\/doc-lap-tai-chinh-vs-giau-co-tien-bac-dau-tu-tich-luy-vs-dau-tu-chuyen-nghiep\/","title":{"rendered":"\u0110\u1ed9c l\u1eadp t\u00e0i ch\u00ednh Vs Gi\u00e0u c\u00f3 ti\u1ec1n b\u1ea1c. \u0110\u1ea7u t\u01b0 t\u00edch lu\u1ef9 Vs \u0110\u1ea7u t\u01b0 chuy\u00ean nghi\u1ec7p"},"content":{"rendered":"

M\u1ed9t b\u1ea1n tr\u1ebb 9x b\u1eaft \u0111\u1ea7u l\u00e0m qu\u1ea3n l\u00fd (junior manager), \u0111\u00e3 \u0111\u1eb7t cho Doanh nh\u00e2n, Chuy\u00ean gia t\u00e0i ch\u00ednh, T\u00e1c gi\u1ea3 L\u00e2m Minh Ch\u00e1nh, nh\u1eefng c\u00e2u h\u1ecfi v\u1ec1 ti\u1ec1n b\u1ea1c, t\u00e0i ch\u00ednh nh\u01b0 sau:<\/p>\n

– C\u00e2u 1: \u0110\u1ed9c l\u1eadp t\u00e0i ch\u00ednh (financial independence)\/T\u1ef1 do t\u00e0i ch\u00ednh (financial freedom) c\u00f3 c\u1ea7n ph\u1ea3i gi\u00e0u c\u00f3 v\u1ec1 ti\u1ec1n b\u1ea1c?
\n– C\u00e2u 2: Li\u1ec7u c\u00e1c \u00f4ng ch\u1ee7 doanh nghi\u1ec7p c\u00f3 h\u00e0ng ng\u00e0n t\u1ef7 \u0111\u1ed3ng c\u00f3 th\u1ef1c s\u1ef1 l\u00e0 ng\u01b0\u1eddi \u0111\u1ed9c l\u1eadp\/t\u1ef1 do t\u00e0i ch\u00ednh?
\n– C\u00e2u 3: Ai c\u0169ng th\u00edch ti\u1ec1n \u0111i l\u00e0m thay cho m\u00ecnh. V\u1eady c\u00f3 n\u00ean b\u1ecf job, h\u1ecdc v\u1ec1 \u0111\u1ea7u t\u01b0 v\u00e0 t\u1eadp trung v\u00e0o \u0111\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n, b\u1ea5t \u0111\u1ed9ng s\u1ea3n?
\nBizUni tr\u00edch d\u1eabn nh\u1eefng c\u00e2u tr\u1ea3 l\u1eddi t\u1ea1i Facebook c\u1ee7a \u00d4ng L\u00e2m Minh Ch\u00e1nh nh\u01b0 sau:<\/p>\n

** C\u00e2u 1 & C\u00e2u 2:<\/strong><\/p>\n

\u0110\u1ed9c l\u1eadp hay t\u1ef1 do t\u00e0i ch\u00ednh kh\u00e1c h\u1eb3n v\u1edbi s\u1ef1 gi\u00e0u c\u00f3 v\u1ec1 ti\u1ec1n b\u1ea1c. Gi\u00e0u c\u00f3 v\u1ec1 ti\u1ec1n b\u1ea1c l\u00e0 c\u00f3 nhi\u1ec1u ti\u1ec1n.
\nTh\u1ee9 nh\u1ea5t, gi\u00e0u l\u00e0 m\u1ed9t kh\u00e1i ni\u1ec7m t\u01b0\u01a1ng \u0111\u1ed1i, tu\u1ef3 v\u00e0o h\u00ea quy chi\u1ebfu c\u1ee7a t\u1eebng ng\u01b0\u1eddi. Ng\u01b0\u1eddi c\u00f3 100 tri\u1ec7u s\u1ebd n\u00f3i ng\u01b0\u1eddi c\u00f3 1 t\u1ef7 l\u00e0 gi\u00e0u. Ng\u01b0\u1eddi c\u00f3 1 t\u1ef7 s\u1ebd n\u00f3i ng\u01b0\u1eddi c\u00f3 100 t\u1ef7 l\u00e0 gi\u00e0u….
\nTh\u1ee9 hai, gi\u00e0u kh\u00e1c v\u1edbi \u0111\u1ed9c l\u1eadp\/ t\u1ef1 do t\u00e0i ch\u00ednh. Ng\u01b0\u1eddi A \u0111\u1ed9c l\u1eadp t\u00e0i ch\u00ednh, c\u00f3 th\u1ec3 s\u1ebd kh\u00f4ng gi\u00e0u b\u1eb1ng ng\u01b0\u1eddi B, nh\u01b0ng A th\u1ea5y \u201c\u0111\u1ee7\u201d v\u1edbi t\u00ecnh tr\u1ea1ng t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh.
\nTh\u1ee9 ba, c\u00e1c \u00f4ng ch\u1ee7 doanh nghi\u1ec7p c\u00f3 h\u00e0ng ng\u00e0n t\u1ef7 \u0111\u1ed3ng kh\u00f4ng h\u1eb3n l\u00e0 ng\u01b0\u1eddi ng\u01b0\u1eddi \u0111\u1ed9c l\u1eadp\/t\u1ef1 do t\u00e0i ch\u00ednh.<\/p>\n

T\u00f4i t\u1ea1m chia c\u00e1c \u00f4ng ch\u1ee7 ra c\u00e1c nh\u00f3m sau:
\n– \u00d4ng ch\u1ee7 X \u0111\u00e3 c\u00f3 \u0111\u1ee7 ti\u1ec1n \u0111\u1ec3 s\u1ed1ng cu\u1ed9c s\u1ed1ng \u00f4ng ta mong mu\u1ed1n. Anh ta v\u1eabn ti\u1ebfp t\u1ee5c v\u1eadn h\u00e0nh doanh nghi\u1ec7p \u0111\u1ec3 t\u1ea1o ra gi\u00e1 tr\u1ecb cho b\u1ea3n th\u00e2n, c\u1ed9ng \u0111\u1ed3ng x\u00e3 h\u1ed9i. \u00d4ng ch\u1ee7 X n\u00e0y \u0111\u1ea1t v\u00e0 v\u01b0\u1ee3t m\u1ee9c t\u1ef1 do t\u00e0i ch\u00ednh.
\n– \u00d4ng ch\u1ee7 Y c\u00f3 ng\u00e0n t\u1ef7, nh\u01b0ng doanh nghi\u1ec7p ch\u01b0a b\u1ec1n v\u1eefng. \u00d4ng ph\u1ea3i li\u00ean t\u1ee5c l\u00e0m vi\u1ec7c \u0111\u1ec3 gi\u1eef, ph\u00e1t tri\u1ec3n doanh nghi\u1ec7p. \u00d4ng ch\u1ee7 Y n\u00e0y ch\u01b0a \u0111\u1ea1t t\u1ef1 do t\u00e0i ch\u00ednh.
\n– \u00d4ng ch\u1ee7 Z c\u00f3 ng\u00e0n t\u1ef7, doanh nghi\u1ec7p b\u1ec1n v\u1eefng. Nh\u01b0ng \u00f4ng tham ti\u1ec1n v\u00e0 ti\u1ebfng t\u0103m. \u00d4ng ph\u1ea3i li\u00ean t\u1ee5c c\u1eadt l\u1ef1c \u0111\u1ec3 ki\u1ebfm th\u00eam ti\u1ec1n. \u00d4ng ch\u1ee7 Z n\u00e0y n\u00f4 l\u1ec7 cho \u0111\u1ed3ng ti\u1ec1n.<\/p>\n

Nh\u1eefng ng\u01b0\u1eddi nh\u01b0 \u00f4ng Z ng\u00e0y c\u00e0ng nhi\u1ec1u trong x\u00e3 h\u1ed9i. H\u1ecd \u0111\u00e3 \u0111\u1ee7 ti\u1ec1n \u0111\u1ec3 s\u1ed1ng gi\u00e0u c\u00f3 v\u00e0 tho\u1ea3i m\u00e1i, nh\u01b0ng h\u1ecd v\u1eabn t\u00ecm m\u1ecdi c\u00e1ch, k\u1ec3 c\u1ea3 th\u1ee7 \u0111o\u1ea1n, k\u1ec3 c\u1ea3 vi\u1ec7c \u00e1c, \u0111\u1ec3 ki\u1ebfm th\u00eam ti\u1ec1n. H\u1ecd b\u1ec7nh ho\u1ea1n v\u1ec1 ti\u1ec1n.<\/p>\n

– \u0110\u1ed9c l\u1eadp v\u1ec1 t\u00e0i ch\u00ednh l\u00e0 tr\u1ea1ng th\u00e1i ch\u00fang ta c\u00f3 \u0111\u1ee7 ti\u1ec1n \u0111\u1ec3 ch\u0103m lo cho cu\u1ed9c s\u1ed1ng c\u1ee7a m\u00ecnh m\u1ea3 kh\u00f4ng c\u1ea7n ph\u1ea3i l\u00e0m vi\u1ec7c. V\u00ed d\u1ee5 n\u0103m nay b\u1ea1n 25 tu\u1ed5i, v\u00e0 b\u1ea1n l\u00ean k\u1ebf ho\u1ea1ch \u0111\u1ed9c l\u1eadp v\u1ec1 t\u00e0i ch\u00ednh n\u0103m b\u1ea1n 50 tu\u1ed5i.
\nGi\u1ea3 s\u1eed, nh\u1eefng n\u0103m 25-30 tu\u1ed5i: b\u1ea1n ti\u1ebft ki\u1ec7m m\u1ed7i th\u00e1ng 3 tri\u1ec7u, t\u1ee9c l\u00e0 m\u1ed7i n\u0103m 36
\n25-30 tu\u1ed5i: m\u1ed7i th\u00e1ng 4 tri\u1ec7u, m\u1ed7i n\u0103m 48 tri\u1ec7u. 30-40 tu\u1ed5i: 60 tri\u1ec7u\/n\u0103m, 40-45 tu\u1ed5i: 72 tri\u1ec7u\/n\u0103m, 45-50 tu\u1ed5i: 84 tri\u1ec7u.
\nGi\u1ea3 s\u1eed b\u1ea1n \u0111\u1ea7u t\u01b0 t\u1ea5t c\u1ea3 s\u1ed1 ti\u1ec1n n\u00e0y v\u1edbi l\u00e3i su\u1ea5t trung b\u00ecnh t\u00e0i ch\u00ednh: 15%\/n\u0103m. L\u00e3i\/c\u1ed5 t\u1ee9c \u0111\u1ebb ra b\u1ea1n kh\u00f4ng r\u00fat, m\u00e0 d\u1ed3n ti\u1ebfp v\u00e0o \u0111\u1ec3 \u0111\u1ea7u t\u01b0.
\n\u0110\u1ebfn cu\u1ed1i n\u0103m 50 tu\u1ed5i b\u1ea1n s\u1ebd c\u00f3 s\u1ed1 ti\u1ec1n l\u00e0 11,067,108,484 VN\u0110.
\nL\u00fac \u1ea5y b\u1ea1n c\u00f3 th\u1ec3 r\u00fat l\u00e3i (15%) ra \u0111\u1ec3 s\u1eed d\u1ee5ng h\u00e0ng n\u0103m. S\u1ed1 l\u00e3i n\u00e0y l\u00e0: 1,660,066,273 VN\u0110\/n\u0103m hay 138,333,756 VN\u0110\/ th\u00e1ng
\nN\u1ebfu s\u1ed1 ti\u1ec1n n\u00e0y \u0111\u1ee7 cho nhu c\u1ea7u b\u00ecnh th\u01b0\u1eddng c\u1ee7a b\u1ea1n th\u00ec \u0111\u00f3 l\u00e0 \u0111\u1ed9c l\u1eadp t\u00e0i ch\u00ednh.
\nN\u1ebfu s\u1ed1 ti\u1ec1n n\u00e0y \u0111\u1ee7 cho cu\u1ed9c s\u1ed1ng tho\u1ea3i m\u00e1i, bay b\u1ed5ng c\u1ee7a b\u1ea1n th\u00ec \u0111\u00f3 l\u00e0 t\u1ef1 do t\u00e0i ch\u00ednh.<\/p>\n

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\u0110\u1ed9c l\u1eadp hay t\u1ef1 do t\u00e0i ch\u00ednh kh\u00e1c h\u1eb3n v\u1edbi s\u1ef1 gi\u00e0u c\u00f3 v\u1ec1 ti\u1ec1n b\u1ea1c.<\/figcaption><\/figure>\n

Ghi ch\u00fa: N\u1ebfu m\u1ee9c l\u1ea1m ph\u00e1t trung b\u00ecnh l\u00e0 3.5%\/n\u0103m th\u00ec s\u1ed1 ti\u1ec1n 11,067,108,484 VN\u0110. v\u00e0o n\u0103m 2046 s\u1ebd c\u00f3 gi\u00e1 tr\u1ecb ti\u00eau d\u00f9ng t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi 5,562,951,163 VN\u0110 n\u0103m nay (2021).
\nS\u1ed1 ti\u1ec1n l\u00e3i n\u0103m 2046 1,660,066,273 VN\u0110 s\u1ebd c\u00f3 gi\u00e1 tr\u1ecb ti\u00eau d\u00f9ng t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 834,292,674 VN\u0110 hi\u1ec7n nay.
\n(B\u1ea1n mu\u1ed1n bi\u1ebft l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u1ea7u t\u01b0 \u0111\u1ea1t t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn trung b\u00ecnh t\u00e0i ch\u00ednh 15%\/n\u0103m th\u00ec xem t\u1ea1i \u0111\u00e2y<\/a> nh\u00e9.)<\/p>\n

** C\u00e2u 3:
\n<\/strong>\u201cAi c\u0169ng th\u00edch ti\u1ec1n \u0111i l\u00e0m thay cho m\u00ecnh. V\u1eady c\u00f3 n\u00ean b\u1ecf job, h\u1ecdc v\u1ec1 \u0111\u1ea7u t\u01b0 v\u00e0 t\u1eadp trung v\u00e0o \u0111\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n, b\u1ea5t \u0111\u1ed9ng s\u1ea3n?\u201d B\u1ea1n \u0111ang nh\u1ea7m l\u1eabn gi\u1eefa nh\u00e0 \u0111\u1ea7u t\u01b0 chuy\u00ean nghi\u1ec7p v\u00e0 c\u00e1 nh\u00e2n \u0111\u1ea7u t\u01b0 theo ki\u1ec3u t\u00edch lu\u1ef9 \u0111\u1ec3 t\u0103ng tr\u01b0\u1edfng ti\u1ec1n v\u00e0 \u0111\u1ea1t t\u1ef1 do t\u00e0i ch\u00ednh.<\/p>\n

Nh\u00e0 \u0111\u1ea7u t\u01b0 chuy\u00ean nghi\u1ec7p ki\u1ebfm s\u1ed1ng, l\u00e0m gi\u00e0u b\u1eb1ng ngh\u1ec1 \u0111\u1ea7u t\u01b0. H\u1ecd d\u00f9ng ti\u1ec1n \u0111\u1ec3 t\u1ea1o ra nhi\u1ec1u ti\u1ec1n h\u01a1n. \u0110\u1ec3 l\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 chuy\u00ean nghi\u1ec7p, h\u1ecd ph\u1ea3i c\u00f3 1 s\u1ed1 ti\u1ec1n \u201ct\u01b0\u01a1ng \u0111\u1ed1i\u201d. Gi\u1ea3 s\u1eed l\u00e3i su\u1ea5t trung b\u00ecnh 15%\/n\u0103m, h\u1ecd mu\u1ed1n c\u00f3 50 tri\u1ec7u \/ th\u00e1ng, hay 600 tri\u1ec7u\/n\u0103m \u0111\u1ec3 sinh s\u1ed1ng, ti\u00eau x\u00e0i th\u00ec h\u1ecd ph\u1ea3i c\u00f3 s\u1ed1 ti\u1ec1n \u00edt nh\u1ea5t 4 t\u1ef7, n\u1ebfu kh\u00f4ng d\u00f9ng \u0111\u00f2n b\u1eaby. Ngo\u00e0i l\u01b0\u1ee3ng ti\u1ec1n \u0111\u1ee7 l\u1edbn, nh\u00e0 \u0111\u1ea7u t\u01b0 chuy\u00ean nghi\u1ec7p ph\u1ea3i gi\u1ecfi ki\u1ebfn th\u1ee9c v\u1eefng, \u0111\u1ee7 th\u00f4ng tin v\u00e0 v\u1eefng b\u1ea3n l\u00e3nh.<\/p>\n

C\u00f2n c\u00e1 nh\u00e2n ch\u00fang ta, l\u00e0m thu\u00ea, hay l\u00e0m t\u1ef1 do, th\u00ec \u0111\u1ea7u t\u01b0 \u0111\u1ec3 ti\u1ec1n sinh ra ti\u1ec1n theo ki\u1ec3u t\u00edch lu\u1ef9 t\u1eeb t\u1eeb. Trong th\u1eddi gian t\u00edch lu\u1ef9 th\u00ec ph\u1ea3i li\u00ean t\u1ee5c \u0111\u01b0a ti\u1ec1n v\u00e0o c\u00f4ng c\u1ee5 \u0111\u1ea7u t\u01b0. L\u00e3i sinh ra c\u0169ng ti\u1ebfp t\u1ee5c \u0111\u1ea7u t\u01b0. Theo th\u1eddi gian th\u00ec ch\u00fang ta s\u1ebd c\u00f3 s\u1ed1 ti\u1ec1n l\u1edbn. Khi \u0111\u00f3 ch\u00fang ta \u0111\u1ea1t \u0111\u1ed9c l\u1eadp hay t\u1ef1 do t\u00e0i ch\u00ednh. Ho\u1eb7c l\u00fac \u1ea5y, ch\u00fang ta c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh nh\u00e0 \u0111\u1ea7u t\u01b0 chuy\u00ean nghi\u1ec7p, ch\u1ee7 \u0111\u1ed9ng d\u00f9ng ti\u1ec1n ki\u1ebfm ra nhi\u1ec1u ti\u1ec1n h\u01a1n.<\/p>\n

M\u1ed9t trong nh\u1eefng c\u00e1ch \u0111\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0 t\u00edch lu\u1ef9 ti\u1ec1n \u0111\u1ec3 t\u1ea1o qu\u1ef9 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u00e0: \u0111\u1ea7u t\u01b0 c\u1ed5 phi\u1ebfu d\u00e0i h\u1ea1n<\/a>. Ch\u00fang ta ch\u1ecdn c\u1ed5 phi\u1ebfu t\u1ed1t, mua trong v\u00f9ng gi\u00e1 h\u1ee3p l\u00fd, gi\u1eef l\u00e2u d\u00e0i kh\u00f4ng mua mua b\u00e1n b\u00e1n, ch\u00fang ta s\u1ebd \u0111\u1ea1t t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn k\u1ef3 v\u1ecdng.<\/p>\n

Gi\u1ea3 s\u1eed m\u1ed9t ng\u01b0\u1eddi ch\u01b0a \u0111\u01b0\u1ee3c h\u1ecdc \u0111\u1ec3 ch\u1ecdn c\u1ed5 phi\u1ebfu t\u1ed1t, h\u1ecd \u0111\u1ea7u t\u01b0 600 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ec1u v\u00e0o 6 c\u1ed5 phi\u1ebfu. V\u00ec h\u1ecd ch\u01b0a h\u1ecdc b\u00e0i b\u1ea3n n\u00ean t\u00f4i gi\u1ea3 s\u1eed r\u1eb1ng h\u1ecd s\u1ebd ch\u1ecdn \u0111\u01b0\u1ee3c 2 c\u1ed5 phi\u1ebfu t\u1ed1t, 2 c\u1ed5 phi\u1ebfu trung b\u00ecnh, v\u00e0 2 c\u1ed5 phi\u1ebfu c\u1ef1c x\u1ea5u.<\/p>\n

C\u1ed5 phi\u1ebfu t\u1ed1t \u0111\u1ea7u ti\u00ean, gi\u1ea3 s\u1eed l\u00e0 c\u1ed5 phi\u1ebfu PDR (B\u1ea5t \u0111\u1ed9ng s\u1ea3n Ph\u00e1t \u0110\u1ea1t) m\u00e0 anh Ph\u00fac l\u00e0 th\u00e0nh vi\u00ean H\u0110QT. Gi\u00e1 \u0111\u00f3ng c\u1eeda ng\u00e0y 15\/4\/2016 l\u00e0 15.8. N\u1ebfu t\u00ednh \u0111\u1ebfn t\u00e1c \u0111\u1ed9ng c\u1ee7a c\u1ed5 t\u1ee9c, chia t\u00e1ch CP, th\u00ec gi\u00e1 \u0111\u00f3ng c\u1eeda \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a PDR ng\u00e0y 15\/4\/2016 l\u00e0 6.76. Gi\u00e1 \u0111\u00f3ng c\u1ee7a v\u00e0 c\u0169ng l\u00e0 gi\u00e1 \u0111\u00f3ng c\u1eeda \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a PDR ng\u00e0y 15\/4\/2021 l\u00e0 67.6.<\/p>\n

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M\u1ed9t trong nh\u1eefng c\u00e1ch \u0111\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0 t\u00edch lu\u1ef9 ti\u1ec1n \u0111\u1ec3 t\u1ea1o qu\u1ef9 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u00e0: \u0111\u1ea7u t\u01b0 c\u1ed5 phi\u1ebfu d\u00e0i h\u1ea1n.\u00a0<\/figcaption><\/figure>\n

T\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn cho c\u1ea3 5 n\u0103m l\u00e0: 900%. TSLN trung b\u00ecnh n\u0103m: 58.49%. N\u1ebfu \u0111\u1ea7u t\u01b0 100 tri\u1ec7u v\u00e0o ng\u00e0y 15\/4\/2016 th\u00ec gi\u00e1 tr\u1ecb v\u00e0o ng\u00e0y 15\/4\/2021 l\u00e0 1,000 tri\u1ec7u (1 t\u1ef7). C\u1ed5 phi\u1ebfu t\u1ed1t th\u1ee9 hai l\u00e0 MWG (Th\u1ebf gi\u1edbi di \u0111\u1ed9ng). Gi\u00e1 \u0110C 15\/4\/2016: 76.0. Gi\u00e1 \u0110C\u0110C 15\/4\/2016: 26.51. Gi\u00e1 \u0110C\u0110C 15\/4\/2021: 133.7. T\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn cho c\u1ea3 5 n\u0103m l\u00e0: 404%. TSLN trung b\u00ecnh n\u0103m: 38.21%. N\u1ebfu \u0111\u1ea7u t\u01b0 100 tri\u1ec7u v\u00e0o ng\u00e0y 15\/4\/2016 th\u00ec gi\u00e1 tr\u1ecb v\u00e0o ng\u00e0y 15\/4\/2021 l\u00e0 504 tri\u1ec7u.<\/p>\n

C\u1ed5 phi\u1ebfu trung b\u00ecnh 1 c\u00f3 TSLB n\u0103m 9%. N\u1ebfu \u0111\u1ea7u t\u01b0 100 tri\u1ec7u v\u00e0o ng\u00e0y 15\/4\/2016 th\u00ec gi\u00e1 tr\u1ecb v\u00e0o ng\u00e0y 15\/4\/2021 l\u00e0 154 tri\u1ec7u.
\nC\u1ed5 phi\u1ebfu trung b\u00ecnh 2 c\u00f3 TSLB n\u0103m 10%. N\u1ebfu \u0111\u1ea7u t\u01b0 100 tri\u1ec7u v\u00e0o ng\u00e0y 15\/4\/2016 th\u00ec gi\u00e1 tr\u1ecb v\u00e0o ng\u00e0y 15\/4\/2021 l\u00e0 161 tri\u1ec7u.
\nHai c\u1ed5 phi\u1ebfu x\u1ea5u xem nh\u01b0 m\u1ea5t tr\u1eafng. N\u1ebfu \u0111\u1ea7u t\u01b0 100 tri\u1ec7u v\u00e0o ng\u00e0y 15\/4\/2016 th\u00ec gi\u00e1 tr\u1ecb v\u00e0o ng\u00e0y 15\/4\/2021 l\u00e0 v\u00e0i ba tri\u1ec7u. Ta c\u1ee9 gi\u1ea3 s\u1eed b\u1eb1ng 0 tri\u1ec7u.
\nNh\u01b0 v\u1eady t\u1ed5ng \u0111\u1ea7u t\u01b0 ng\u00e0y 15\/4\/2016 l\u00e0 600 tri\u1ec7u. T\u1ed5ng gi\u00e1 tr\u1ecb ng\u00e0y 15\/4\/2021 l\u00e0 = 1,000 + 504 + 154 + 161 +0 + 0 = 1,819 tri\u1ec7u.
\nTSLN trung b\u00ecnh n\u0103m = 24.84%.
\nN\u1ebfu b\u1ea1n mu\u1ed1n h\u1ecdc c\u00e1ch ch\u1ecdn c\u1ed5 phi\u1ebfu t\u1ed1t, tr\u00e1nh \u0111\u1ea7u t\u01b0 v\u00e0o c\u1ed5 phi\u1ebfu trung b\u00ecnh, c\u1ed5 phi\u1ebfu x\u1ea5u th\u00ec h\u00e3y tham gia l\u1edbp h\u1ecdc: Ph\u01b0\u01a1ng ph\u00e1p \u0110\u1ea7u t\u01b0 c\u1ed5 phi\u1ebfu d\u00e0i h\u1ea1n \u0111\u1ea1t t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn cao.<\/a> H\u01a1n 3000 h\u1ecdc vi\u00ean \u0111\u00e3 h\u1ecdc v\u00e0 \u0111\u1ea7u t\u01b0 th\u00e0nh c\u00f4ng.\u00a0<\/p>\n

*** File Excel c\u1ee7a c\u00e1c t\u00ednh to\u00e1n tr\u00ean: https:\/\/drive.google.com\/file\/d\/1FiEinjbzmwndHQVF9TUXAWNCl4DqbR2m\/view?fbclid=IwAR1ZZoANU4Iu2CyS-Yj9hpqb9nkgHR1VXUMOG7_vWrGYanW_DjatMRM928I<\/a><\/p>\n

\n

B\u00e0i vi\u1ebft t\u1eeb Facebook c\u1ee7a \u00d4ng L\u00e2m Minh Ch\u00e1nh: https:\/\/www.facebook.com\/LamMinhChanh\/posts\/3914861278601334<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

M\u1ed9t b\u1ea1n tr\u1ebb 9x b\u1eaft \u0111\u1ea7u l\u00e0m qu\u1ea3n l\u00fd (junior manager), \u0111\u00e3 \u0111\u1eb7t cho Doanh nh\u00e2n, Chuy\u00ean gia t\u00e0i ch\u00ednh, T\u00e1c gi\u1ea3 L\u00e2m Minh Ch\u00e1nh, nh\u1eefng c\u00e2u h\u1ecfi v\u1ec1 ti\u1ec1n b\u1ea1c, t\u00e0i ch\u00ednh nh\u01b0 sau: – C\u00e2u 1: \u0110\u1ed9c l\u1eadp t\u00e0i ch\u00ednh (financial independence)\/T\u1ef1 do t\u00e0i ch\u00ednh (financial freedom) c\u00f3 c\u1ea7n ph\u1ea3i gi\u00e0u c\u00f3 v\u1ec1…<\/p>\n","protected":false},"author":2,"featured_media":3541,"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":[56,52,29],"class_list":["post-3539","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tai-chinh-ca-nhan","tag-dau-tu-co-phieu-dai-han","tag-dau-tu-de-tu-do-tai-chinh","tag-doc-lap-tai-chinh"],"featured_image_src_large":["https:\/\/i0.wp.com\/bizuni.vn\/dau-tu\/wp-content\/uploads\/2022\/07\/mail-9X.jpg?fit=600%2C314&ssl=1",600,314,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":56,"name":"\u0111\u1ea7u t\u01b0 c\u1ed5 phi\u1ebfu d\u00e0i h\u1ea1n","slug":"dau-tu-co-phieu-dai-han","term_group":0,"term_taxonomy_id":56,"taxonomy":"post_tag","description":"","parent":0,"count":2,"filter":"raw"},{"term_id":52,"name":"\u0111\u1ea7u t\u01b0 \u0111\u1ec3 t\u1ef1 do t\u00e0i ch\u00ednh","slug":"dau-tu-de-tu-do-tai-chinh","term_group":0,"term_taxonomy_id":52,"taxonomy":"post_tag","description":"","parent":0,"count":4,"filter":"raw"},{"term_id":29,"name":"\u0111\u1ed9c l\u1eadp t\u00e0i ch\u00ednh","slug":"doc-lap-tai-chinh","term_group":0,"term_taxonomy_id":29,"taxonomy":"post_tag","description":"","parent":0,"count":3,"filter":"raw"}],"taxonomy_info":{"category":[{"value":2,"label":"T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n"}],"post_tag":[{"value":56,"label":"\u0111\u1ea7u t\u01b0 c\u1ed5 phi\u1ebfu d\u00e0i h\u1ea1n"},{"value":52,"label":"\u0111\u1ea7u t\u01b0 \u0111\u1ec3 t\u1ef1 do t\u00e0i ch\u00ednh"},{"value":29,"label":"\u0111\u1ed9c l\u1eadp t\u00e0i ch\u00ednh"}]},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/bizuni.vn\/dau-tu\/wp-content\/uploads\/2022\/07\/mail-9X.jpg?fit=600%2C314&ssl=1","_links":{"self":[{"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/posts\/3539","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=3539"}],"version-history":[{"count":2,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/posts\/3539\/revisions"}],"predecessor-version":[{"id":3546,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/posts\/3539\/revisions\/3546"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/media\/3541"}],"wp:attachment":[{"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/media?parent=3539"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/categories?post=3539"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/tags?post=3539"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}