{"id":1504,"date":"2024-05-07T20:22:19","date_gmt":"2024-05-07T13:22:19","guid":{"rendered":"https:\/\/realstake.net\/blog\/?p=1504"},"modified":"2025-04-03T09:57:00","modified_gmt":"2025-04-03T02:57:00","slug":"lai-suat-kep-la-gi","status":"publish","type":"post","link":"https:\/\/infina.vn\/blog\/lai-suat-kep-la-gi\/","title":{"rendered":"L\u00e3i su\u1ea5t k\u00e9p l\u00e0 g\u00ec? C\u00f4ng th\u1ee9c t\u00ednh l\u00e3i su\u1ea5t k\u00e9p chu\u1ea9n nh\u1ea5t"},"content":{"rendered":"\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-right kksr-valign-top\"\n    data-payload='{&quot;align&quot;:&quot;right&quot;,&quot;id&quot;:&quot;1504&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;top&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;10&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;4.4&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;2&quot;,&quot;greet&quot;:&quot;\u0110\u00e1nh gi\u00e1 t\u1ea1i \u0111\u00e2y&quot;,&quot;legend&quot;:&quot;4.4\\\/5 - (10 votes)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;L\u00e3i su\u1ea5t k\u00e9p l\u00e0 g\u00ec? C\u00f4ng th\u1ee9c t\u00ednh l\u00e3i su\u1ea5t k\u00e9p chu\u1ea9n nh\u1ea5t&quot;,&quot;width&quot;:&quot;113.4&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 113.4px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            4.4\/5 - (10 votes)    <\/div>\n    <\/div>\n<p>Khi \u0111\u01b0\u1ee3c h\u1ecfi l\u00e0m th\u1ebf n\u00e0o c\u00f3 kh\u1ed1i t\u00e0i s\u1ea3n t\u1ef7 \u0111\u00f4 nh\u01b0 hi\u1ec7n t\u1ea1i, Warren Buffett n\u00f3i r\u1eb1ng: C\u00f3 3 \u0111i\u1ec3m. Th\u1ee9 nh\u1ea5t, n\u01b0\u1edbc M\u1ef9 c\u00f3 nh\u1eefng c\u01a1 h\u1ed9i tuy\u1ec7t v\u1eddi. Th\u1ee9 2, nh\u1edd c\u00f3 gen t\u1ed1t, t\u00f4i c\u00f3 th\u1ec3 s\u1ed1ng l\u00e2u. Th\u1ee9 ba, \u0111\u00f3 l\u00e0 <strong>l\u00e3i su\u1ea5t k\u00e9p<\/strong>. V\u1eady, l\u00e3i su\u1ea5t k\u00e9p l\u00e0 g\u00ec? H\u00e3y c\u00f9ng <a href=\"https:\/\/www.infina.vn\" target=\"_blank\" rel=\"noopener noreferrer\">Infina<\/a> t\u00ecm hi\u1ec3u chi ti\u1ebft trong b\u00e0i vi\u1ebft n\u00e0y nh\u00e9!<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_73 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">N\u1ed9i dung ch\u00ednh<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 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ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/infina.vn\/blog\/lai-suat-kep-la-gi\/#Cac_cong_thuc_tinh_lai_suat_kep\" title=\"C\u00e1c c\u00f4ng th\u1ee9c t\u00ednh l\u00e3i su\u1ea5t k\u00e9p\">C\u00e1c c\u00f4ng th\u1ee9c t\u00ednh l\u00e3i su\u1ea5t k\u00e9p<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/infina.vn\/blog\/lai-suat-kep-la-gi\/#Cong_thuc_tinh_lai_kep_co_ban\" title=\"C\u00f4ng th\u1ee9c t\u00ednh l\u00e3i k\u00e9p c\u01a1 b\u1ea3n\">C\u00f4ng th\u1ee9c t\u00ednh l\u00e3i k\u00e9p c\u01a1 b\u1ea3n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/infina.vn\/blog\/lai-suat-kep-la-gi\/#Cong_thuc_tinh_lai_suat_kep_theo_thang\" title=\"C\u00f4ng th\u1ee9c t\u00ednh l\u00e3i su\u1ea5t k\u00e9p theo th\u00e1ng\">C\u00f4ng th\u1ee9c t\u00ednh l\u00e3i su\u1ea5t k\u00e9p theo th\u00e1ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/infina.vn\/blog\/lai-suat-kep-la-gi\/#Cong_thuc_tinh_lai_kep_theo_nam\" title=\"C\u00f4ng th\u1ee9c t\u00ednh l\u00e3i k\u00e9p theo n\u0103m\">C\u00f4ng th\u1ee9c t\u00ednh l\u00e3i k\u00e9p theo n\u0103m<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/infina.vn\/blog\/lai-suat-kep-la-gi\/#Vi_sao_khong_nen_bo_qua_ky_quan_thu_8\" title=\"V\u00ec sao kh\u00f4ng n\u00ean b\u1ecf qua k\u1ef3 quan th\u1ee9 8?\">V\u00ec sao kh\u00f4ng n\u00ean b\u1ecf qua k\u1ef3 quan th\u1ee9 8?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/infina.vn\/blog\/lai-suat-kep-la-gi\/#Tiet_kiem_tai_dau_de_tan_dung_toi_da_suc_manh_cua_lai_kep\" title=\"Ti\u1ebft ki\u1ec7m t\u1ea1i \u0111\u00e2u \u0111\u1ec3 t\u1eadn d\u1ee5ng t\u1ed1i \u0111a s\u1ee9c m\u1ea1nh c\u1ee7a l\u00e3i k\u00e9p?\">Ti\u1ebft ki\u1ec7m t\u1ea1i \u0111\u00e2u \u0111\u1ec3 t\u1eadn d\u1ee5ng t\u1ed1i \u0111a s\u1ee9c m\u1ea1nh c\u1ee7a l\u00e3i k\u00e9p?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/infina.vn\/blog\/lai-suat-kep-la-gi\/#Ket_luan\" title=\"K\u1ebft lu\u1eadn\">K\u1ebft lu\u1eadn<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Lai_suat_kep_la_gi\"><\/span>L\u00e3i su\u1ea5t k\u00e9p l\u00e0 g\u00ec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">L\u00e3i su\u1ea5t k\u00e9p (c\u00f2n g\u1ecdi l\u00e0 l\u00e3i k\u00e9p) \u0111\u01b0\u1ee3c hi\u1ec3u \u0111\u01a1n gi\u1ea3n l\u00e0 sau khi l\u1ea5y l\u00e3i v\u1ec1, d\u1ed3n v\u00e0o ti\u1ec1n v\u1ed1n, ti\u1ebfp t\u1ee5c \u0111\u01b0a t\u1ea5t c\u1ea3 s\u1ed1 ti\u1ec1n \u0111\u00f3 ti\u1ebfp t\u1ee5c \u0111\u1ea7u t\u01b0 sinh ra l\u00e3i su\u1ea5t c\u00f3 gi\u00e1 tr\u1ecb cao h\u01a1n. V\u1ed1n g\u1eedi c\u00e0ng nhi\u1ec1u th\u00ec l\u00e3i c\u00e0ng cao \u1edf nh\u1eefng giai \u0111o\u1ea1n ti\u1ebfp sau.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u0110i\u1ec3m m\u1ea5u ch\u1ed1t c\u1ee7a l\u00e3i su\u1ea5t k\u00e9p l\u00e0 th\u1eddi gian v\u00e0 l\u00e3i su\u1ea5t. Qua v\u00e0i n\u0103m \u0111\u1ea7u c\u00f3 th\u1ec3 s\u1ebd kh\u00f4ng th\u1ea5y g\u00ec kh\u00e1c bi\u1ec7t nh\u01b0ng sau kho\u1ea3ng 20, 30 n\u0103m, s\u1ed1 ti\u1ec1n s\u1ea3n sinh ra s\u1ebd th\u1ef1c s\u1ef1 kh\u1ee7ng khi\u1ebfp. <\/span><span style=\"font-weight: 400;\">Th\u1ef1c t\u1ebf kh\u00f4ng ch\u1ec9 Warren Buffett m\u00e0 nhi\u1ec1u b\u1eadc v\u0129 nh\u00e2n tr\u00ean th\u1ebf gi\u1edbi \u0111\u00e3 th\u1eeba nh\u1eadn s\u1ef1 k\u1ef3 di\u1ec7u c\u1ee7a l\u00e3i k\u00e9p.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Albert Einstein t\u1eebng n\u00f3i:<em> &#8220;<\/em><\/span><em><b>L\u00e3i su\u1ea5t k\u00e9p l\u00e0 k\u1ef3 quan th\u1ee9 8 trong th\u1ebf gi\u1edbi n\u00e0y. Nh\u1eefng ai hi\u1ec3u n\u00f3, v\u1eadn d\u1ee5ng n\u00f3 s\u1ebd ch\u1eb3ng ph\u1ea3i tr\u1ea3 g\u00ec cho n\u00f3 c\u1ea3<\/b><\/em><span style=\"font-weight: 400;\">\u201d<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-1613 size-large\" src=\"http:\/\/infina.vn\/blog\/wp-content\/uploads\/2020\/11\/Eisten-1024x1024.jpg\" alt=\"L\u00e3i su\u1ea5t k\u00e9p l\u00e0 g\u00ec?\" width=\"696\" height=\"696\" title=\"\" srcset=\"https:\/\/infina.vn\/blog\/wp-content\/uploads\/2020\/11\/Eisten-1024x1024.jpg 1024w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2020\/11\/Eisten-300x300.jpg 300w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2020\/11\/Eisten-150x150.jpg 150w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2020\/11\/Eisten-768x768.jpg 768w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2020\/11\/Eisten-696x696.jpg 696w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2020\/11\/Eisten-1068x1068.jpg 1068w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2020\/11\/Eisten-420x420.jpg 420w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2020\/11\/Eisten.jpg 1315w\" sizes=\"(max-width: 696px) 100vw, 696px\" \/><\/p>\n<p><em><strong>V\u00ed d\u1ee5: <\/strong><span style=\"font-weight: 400;\">N\u0103m nay b\u1ea1n 25 tu\u1ed5i, m\u1ed7i th\u00e1ng b\u1ea1n \u0111\u1ec3 d\u00e0nh \u0111\u01b0\u1ee3c 1 tri\u1ec7u ti\u1ec1n nh\u00e0n r\u1ed7i. B\u1ea1n g\u1eedi g\u00f3p 1 tri\u1ec7u \/ th\u00e1ng v\u00e0o t\u00e0i kho\u1ea3n t\u00edch l\u0169y. B\u1ea1n duy tr\u00ec vi\u1ec7c ti\u1ebft ki\u1ec7m h\u00e0ng th\u00e1ng \u0111\u1ec1u \u0111\u1eb7n nh\u01b0 v\u1eady trong su\u1ed1t 20 n\u0103m, cho t\u1edbi khi 45 tu\u1ed5i. C\u00f9ng <a href=\"https:\/\/infina.vn\" data-internallinksmanager029f6b8e52c=\"2\" title=\"Infina\" target=\"_blank\" rel=\"noopener\">Infina<\/a> t\u00ednh th\u1eed xem sau 20 n\u0103m b\u1ea1n s\u1ebd c\u00f3 bao nhi\u00eau ti\u1ec1n nh\u00e9.<\/span><\/em><\/p>\n<p><span style=\"font-weight: 400;\">B\u1eb1ng vi\u1ec7c ti\u1ebft ki\u1ec7m 1 tri\u1ec7u \/ th\u00e1ng \u0111\u1ec1u \u0111\u1eb7n, sau 20 n\u0103m b\u1ea1n s\u1ebd c\u00f3 <\/span><b>399,444,747<\/b><b> VN\u0110 <\/b><b>(g\u1ed3m 240,000,000\u0111 ti\u1ec1n g\u1ed1c v\u00e0 <\/b><b>158,444,747\u0111<\/b><b> ti\u1ec1n l\u00e3i)<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Nh\u01b0 v\u1eady, khi ch\u00fang ta \u0111\u1ea7u t\u01b0 \u0111\u1ec3 ti\u1ec1n c\u1ee7a m\u00ecnh sinh l\u00e3i k\u00e9p, ti\u1ec1n s\u1ebd sinh s\u00f4i theo th\u1eddi gian. L\u00e3i su\u1ea5t c\u00e0ng cao, th\u1eddi gian \u0111\u1ea7u t\u01b0 c\u00e0ng d\u00e0i th\u00ec s\u1ed1 ti\u1ec1n thu \u0111\u01b0\u1ee3c c\u00e0ng l\u1edbn.<\/span><\/p>\n<h2 class=\"has-text-align-left\"><span class=\"ez-toc-section\" id=\"Cac_cong_thuc_tinh_lai_suat_kep\"><\/span><span id=\"Cong-thuc-tinh-lai-suat-kep-theo-thang-nam\">C\u00e1c c\u00f4ng th\u1ee9c t\u00ednh l\u00e3i su\u1ea5t k\u00e9p<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 class=\"has-text-align-left\"><span class=\"ez-toc-section\" id=\"Cong_thuc_tinh_lai_kep_co_ban\"><\/span><strong><span id=\"Cong-thuc-tinh-lai-kep-co-ban\">C\u00f4ng th\u1ee9c t\u00ednh l\u00e3i k\u00e9p c\u01a1 b\u1ea3n<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>C\u00e1c b\u1ea1n c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng t\u00ednh \u0111\u01b0\u1ee3c l\u00e3i su\u1ea5t k\u00e9p c\u1ee7a m\u00ecnh th\u00f4ng qua c\u00f4ng th\u1ee9c c\u01a1 b\u1ea3n sau:<\/p>\n<p style=\"text-align: center;\"><span class=\"td_btn td_btn_md td_outlined_btn\">A = P x (1 + r)^n<\/span><\/p>\n<p>Trong \u0111\u00f3:<\/p>\n<ul>\n<li>A = FV (Future Value) l\u00e0 s\u1ed1 ti\u1ec1n b\u1ea1n nh\u1eadn \u0111\u01b0\u1ee3c trong t\u01b0\u01a1ng lai.<\/li>\n<li>P = PV (Present Value) l\u00e0 s\u1ed1 ti\u1ec1n g\u1ed1c b\u1ea1n \u0111\u1ea7u t\u01b0 ban \u0111\u1ea7u.<\/li>\n<li>r l\u00e0 l\u00e3i su\u1ea5t h\u1eb1ng n\u0103m.<\/li>\n<li>n l\u00e0 s\u1ed1 chu k\u1ef3 c\u1ee7a l\u00e3i k\u00e9p.<\/li>\n<\/ul>\n<p>V\u00ed d\u1ee5: Anh Th\u00e0nh c\u00f3 ti\u1ec1n v\u1ed1n 1 t\u1ef7 VN\u0110, g\u1eedi t\u00edch l\u0169y v\u1edbi l\u1ee3i nhu\u1eadn 7.7%\/n\u0103m. Sau 10 n\u0103m, ta c\u00f3 c\u00f4ng th\u1ee9c nh\u01b0 sau:<\/p>\n<p style=\"text-align: center;\"><span class=\"td_btn td_btn_md td_outlined_btn\">A = 1 t\u1ef7 x (1 + 7.7%)^10 = 2.099.698.959 VN\u0110 (S\u1ed1 ti\u1ec1n n\u00e0y bao g\u1ed3m c\u1ea3 v\u1ed1n l\u1eabn l\u00e3i).<\/span><\/p>\n<h3 class=\"has-text-align-left\"><span class=\"ez-toc-section\" id=\"Cong_thuc_tinh_lai_suat_kep_theo_thang\"><\/span><strong><span id=\"Cong-thuc-tinh-lai-kep-theo-thang\">C\u00f4ng th\u1ee9c t\u00ednh l\u00e3i su\u1ea5t k\u00e9p theo th\u00e1ng<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>V\u00ed d\u1ee5: T\u00ednh l\u00e3i su\u1ea5t k\u00e9p h\u00e0ng th\u00e1ng v\u1edbi 100 tri\u1ec7u VN\u0110, l\u00e3i su\u1ea5t l\u00e0 10%\/n\u0103m, sau 20 n\u0103m s\u1ebd l\u00e0 bao nhi\u00eau?<\/p>\n<p>Ta c\u00f3:<\/p>\n<ul>\n<li>P = 100 tri\u1ec7u VN\u0110.<\/li>\n<li>r = 10%\/n\u0103m = 0,1\/12 th\u00e1ng (L\u00e3i su\u1ea5t h\u00e0ng th\u00e1ng = 0,00833333).<\/li>\n<li>n = 20 n\u0103m x 12 th\u00e1ng (20*12= 240)<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><span class=\"td_btn td_btn_md td_outlined_btn\">A = 100 tri\u1ec7u x (1 + 0,00833333)^240= 732,807,363 VN\u0110<\/span><\/p>\n<h3 class=\"has-text-align-left\"><span class=\"ez-toc-section\" id=\"Cong_thuc_tinh_lai_kep_theo_nam\"><\/span><strong><span id=\"Cong-thuc-tinh-lai-kep-theo-nam\">C\u00f4ng th\u1ee9c t\u00ednh l\u00e3i k\u00e9p theo n\u0103m<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: center;\"><span class=\"td_btn td_btn_md td_outlined_btn\">A = P x (1+r\/n)^nt<\/span><\/p>\n<p>Trong \u0111\u00f3:<\/p>\n<ul>\n<li>A l\u00e0 s\u1ed1 ti\u1ec1n nh\u1eadn \u0111\u01b0\u1ee3c trong t\u01b0\u01a1ng lai.<\/li>\n<li>P l\u00e0 s\u1ed1 ti\u1ec1n v\u1ed1n ban \u0111\u1ea7u.<\/li>\n<li>r l\u00e0 l\u00e3i su\u1ea5t h\u00e0ng n\u0103m<\/li>\n<li>n l\u00e0 s\u1ed1 l\u1ea7n ti\u1ec1n l\u00e3i nh\u1eadp g\u1ed1c h\u1eb1ng n\u0103m.<\/li>\n<li>t l\u00e0 s\u1ed1 n\u0103m g\u1eedi ti\u1ec1n.<\/li>\n<\/ul>\n<p>V\u00ed d\u1ee5: B\u1ea1n c\u00f3 1 t\u1ef7 VN\u0110 g\u1eedi ti\u1ebft ki\u1ec7m ng\u00e2n h\u00e0ng, l\u00e3i su\u1ea5t h\u00e0ng n\u0103m l\u00e0 4.3%, \u0111\u01b0\u1ee3c nh\u1eadp g\u1ed1c h\u00e0ng qu\u00fd. Sau 6 n\u0103m, b\u1ea1n s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c t\u1ed5ng s\u1ed1 ti\u1ec1n l\u00e0?<\/p>\n<p style=\"text-align: center;\"><span class=\"td_btn td_btn_md td_outlined_btn\">A = 1 t\u1ef7 x (1 + 4.3%\/ 4)^ 4\u00d76 = 1,292,557,881 VN\u0110.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Vi_sao_khong_nen_bo_qua_ky_quan_thu_8\"><\/span>V\u00ec sao kh\u00f4ng n\u00ean b\u1ecf qua k\u1ef3 quan th\u1ee9 8?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">L\u00e3i su\u1ea5t k\u00e9p ch\u00ednh l\u00e0 ch\u00eca kh\u00f3a gi\u00fap b\u1ea1n \u0111\u1ea7u t\u01b0 th\u00e0nh c\u00f4ng v\u00e0 tr\u1edf th\u00e0nh ng\u01b0\u1eddi gi\u00e0u c\u00f3. Nh\u01b0ng l\u00e3i su\u1ea5t k\u00e9p kh\u00f4ng cho b\u1ea1n gi\u00e0u c\u00f3 trong m\u1ed9t \u0111\u00eam v\u00e0 b\u1ea1n ph\u1ea3i hi\u1ec3u r\u1eb1ng, con \u0111\u01b0\u1eddng \u0111\u01b0a b\u1ea1n \u0111\u1ebfn v\u1edbi s\u1ef1 gi\u00e0u c\u00f3 l\u00e0 con \u0111\u01b0\u1eddng l\u00e2u d\u00e0i. Th\u00e0nh qu\u1ea3 s\u1ebd x\u1ee9ng \u0111\u00e1ng cho nh\u1eefng ng\u01b0\u1eddi bi\u1ebft t\u1eadn d\u1ee5ng v\u00e0 bi\u1ebft ch\u1edd \u0111\u1ee3i.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ch\u00ednh v\u00ec th\u1ebf, h\u00e3y th\u1ef1c hi\u1ec7n ti\u1ebft ki\u1ec7m ngay t\u1eeb b\u00e2y gi\u1edd. \u0110\u1eebng tr\u00ec ho\u00e3n, \u0111\u00f3 ch\u00ednh l\u00e0 sai l\u1ea7m nghi\u00eam tr\u1ecdng trong vi\u1ec7c ti\u1ebft ki\u1ec7m. C\u00e1i gi\u00e1 c\u1ee7a vi\u1ec7c tr\u00ec ho\u00e3n kh\u00f4ng h\u1ec1 nh\u1ecf, d\u00f9 ch\u1ec9 l\u00e0 m\u1ed9t n\u0103m c\u0169ng t\u1ea1o n\u00ean s\u1ef1 kh\u00e1c bi\u1ec7t<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tiet_kiem_tai_dau_de_tan_dung_toi_da_suc_manh_cua_lai_kep\"><\/span>Ti\u1ebft ki\u1ec7m t\u1ea1i \u0111\u00e2u \u0111\u1ec3 t\u1eadn d\u1ee5ng t\u1ed1i \u0111a s\u1ee9c m\u1ea1nh c\u1ee7a l\u00e3i k\u00e9p?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u1ee8ng d\u1ee5ng \u0111\u1ea7u t\u01b0 v\u00e0 t\u00edch l\u0169y Infina s\u1ebd mang \u0111\u1ebfn cho b\u1ea1n l\u1ee3i nhu\u1eadn kh\u00f4ng k\u1ef3 h\u1ea1n 4.6%\/n\u0103m v\u1edbi t\u00ednh ch\u1ea5t ti\u1ebft ki\u1ec7m linh ho\u1ea1t, gi\u00fap b\u1ea1n c\u00f3 th\u1ec3 v\u00f4 t\u01b0 r\u00fat b\u1ea5t c\u1ee9 l\u00fac n\u00e0o m\u00e0 kh\u00f4ng m\u1ea5t l\u1ee3i nhu\u1eadn.<\/p>\n<p>\u0110\u1eb7c bi\u1ec7t, \u0111i\u1ec1u l\u00e0m n\u00ean s\u1ef1 kh\u00e1c bi\u1ec7t c\u1ee7a <a href=\"https:\/\/www.infina.vn\/tich-luy\" target=\"_blank\" rel=\"noopener noreferrer\">T\u00edch L\u0169y<\/a> t\u1ea1i Infina so v\u1edbi c\u00e1c \u1ee9ng d\u1ee5ng ti\u1ebft ki\u1ec7m c\u1ee7a ng\u00e2n h\u00e0ng ch\u00ednh l\u00e0 b\u1ea1n ch\u1ec9 c\u1ea7n s\u1ed1 v\u1ed1n nh\u1ecf. Kh\u00f4ng c\u1ea7n \u0111\u1ebfn v\u00e0i tri\u1ec7u m\u00e0 ch\u1ec9 c\u1ea7n b\u1eaft \u0111\u1ea7u v\u1edbi s\u1ed1 v\u1ed1n nh\u1ecf 200.000\u0111 l\u00e0 b\u1ea1n \u0111\u00e3 c\u00f3 th\u1ec3 t\u0103ng thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng t\u1ea1i nh\u00e0 c\u1ef1c ti\u1ec7n l\u1ee3i.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ket_luan\"><\/span>K\u1ebft lu\u1eadn<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Ti\u1ebft ki\u1ec7m l\u00e0 m\u1ed9t th\u00f3i quen r\u1ea5t t\u1ed1t cho ch\u00fang ta \u1edf c\u1ea3 hi\u1ec7n t\u1ea1i v\u00e0 t\u01b0\u01a1ng lai. L\u00e3i su\u1ea5t k\u00e9p t\u1eeb vi\u1ec7c ti\u1ebft ki\u1ec7m v\u1eeba gi\u00fap ch\u00fang ta c\u00f3 th\u1ec3 r\u00e8n luy\u1ec7n \u0111\u01b0\u1ee3c t\u00ednh k\u1ef7 lu\u1eadt \u1edf b\u1ea3n th\u00e2n (kh\u00f4ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng kho\u1ea3n ti\u1ebft ki\u1ec7m n\u00e0y cho chi ti\u00eau), v\u00e0 \u1edf t\u01b0\u01a1ng lai b\u1ea1n s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c m\u1ed9t s\u1ed1 ti\u1ec1n \u0111\u1ebfm kh\u00f4ng xu\u1ec3.<\/p>\n<p>B\u1ea1n c\u00f3 c\u1ea3m ngh\u0129 nh\u01b0 th\u1ebf n\u00e0o? H\u00e3y \u0111\u1ec3 l\u1ea1i b\u00ecnh lu\u1eadn ph\u00eda d\u01b0\u1edbi nh\u00e9!<\/p>\n<p>Xem th\u00eam: 5 c\u00e1ch ki\u1ebfm ti\u1ec1n online ngo\u00e0i b\u00e1n h\u00e0ng online c\u1ef1c hi\u1ec7u qu\u1ea3<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Khi &#273;&#432;&#7907;c h&#7887;i l&agrave;m th&#7871; n&agrave;o c&oacute; kh&#7889;i t&agrave;i s&#7843;n t&#7927; &#273;&ocirc; nh&#432; hi&#7879;n t&#7841;i, Warren Buffett n&oacute;i r&#7857;ng: C&oacute; 3 &#273;i&#7875;m. Th&#7913; nh&#7845;t, n&#432;&#7899;c M&#7929; c&oacute; nh&#7919;ng c&#417; h&#7897;i tuy&#7879;t v&#7901;i. Th&#7913; 2, nh&#7901; c&oacute; gen t&#7889;t, t&ocirc;i c&oacute; th&#7875; s&#7889;ng l&acirc;u. Th&#7913; ba, &#273;&oacute; l&agrave; l&atilde;i su&#7845;t k&eacute;p. V&#7853;y, l&atilde;i su&#7845;t k&eacute;p l&agrave; [&hellip;]<\/p>\n","protected":false},"author":14,"featured_media":4216,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[189,1315],"class_list":{"0":"post-1504","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-tiet-kiem","8":"tag-lai-suat","9":"tag-lai-suat-kep"},"_links":{"self":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/1504","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/comments?post=1504"}],"version-history":[{"count":0,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/1504\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media\/4216"}],"wp:attachment":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media?parent=1504"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/categories?post=1504"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/tags?post=1504"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}