{"id":24785,"date":"2024-11-18T10:56:17","date_gmt":"2024-11-18T03:56:17","guid":{"rendered":"http:\/\/infina.vn\/blog\/?p=24785"},"modified":"2024-11-18T17:02:07","modified_gmt":"2024-11-18T10:02:07","slug":"hoc-cach-pay-yourself-first-nguoi-tre-nao-cung-can-biet","status":"publish","type":"post","link":"https:\/\/infina.vn\/blog\/hoc-cach-pay-yourself-first-nguoi-tre-nao-cung-can-biet\/","title":{"rendered":"H\u1ecdc c\u00e1ch Pay Yourself First – Ng\u01b0\u1eddi tr\u1ebb n\u00e0o c\u0169ng c\u1ea7n bi\u1ebft!"},"content":{"rendered":"\n\n
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\n \u0110\u00e1nh gi\u00e1 t\u1ea1i \u0111\u00e2y<\/span>\n <\/div>\n <\/div>\n

B\u1ea1n bi\u1ebft g\u00ec v\u1ec1 T\u00e0i ch\u00ednh C\u00e1 Nh\u00e2n?<\/b><\/p>\n

C\u00f3 ph\u1ea3i h\u00e0ng th\u00e1ng b\u1ea1n t\u00edch l\u0169y ti\u1ec1n b\u1eb1ng c\u00e1ch ki\u1ebfm ti\u1ec1n, sau \u0111\u00f3 chi ti\u00eau, s\u1eed d\u1ee5ng m\u1ed9t c\u00e1ch \u201cti\u1ebft ki\u1ec7m\u201d nh\u1ea5t \u0111\u1ec3 cu\u1ed1i th\u00e1ng c\u00f3 d\u01b0 v\u00e0 \u0111\u1ec3 d\u00e0nh v\u00e0o t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m ho\u1eb7c mang \u0111i \u0111\u1ea7u t\u01b0. Nghe th\u00ec c\u00f3 v\u1ebb h\u1ee3p l\u00fd \u0111\u1ea5y nh\u01b0ng li\u1ec7u \u0111\u00e2y c\u00f3 ph\u1ea3i l\u00e0 c\u00e1ch t\u1ed1i \u01b0u ch\u01b0a? Th\u1eadt ra, \u0111\u1ec3 ti\u1ebft ki\u1ec7m ti\u1ec1n hi\u1ec7u qu\u1ea3, b\u1ea1n c\u00f3 th\u1ec3 l\u00e0m ng\u01b0\u1ee3c l\u1ea1i m\u1ed9t t\u00fd: sau khi c\u00f3 thu nh\u1eadp, b\u1ea1n \u01b0u ti\u00ean h\u00e3y b\u1ecf m\u1ed9t kho\u1ea3ng v\u00e0o t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m tr\u01b0\u1edbc, sau \u0111\u00f3 \u0111\u1ec3 ph\u1ea7n c\u00f2n l\u1ea1i cho chi ti\u00eau, \u0111\u1ea7u t\u01b0 v\u00e0 ph\u1ee5c v\u1ee5 c\u00e1c m\u1ee5c \u0111\u00edch c\u00e1 nh\u00e2n nh\u01b0 l\u1eadp qu\u1ef9 d\u1ef1 ph\u00f2ng hay chu\u1ea9n b\u1ecb k\u1ebf ho\u1ea1ch cho t\u1ef1 do t\u00e0i ch\u00ednh. L\u00fd do m\u00e0 ph\u1ea3i th\u1ef1c hi\u1ec7n ti\u1ebft ki\u1ec7m tr\u01b0\u1edbc khi chi ti\u00eau, v\u00ec r\u1ea5t c\u00f3 th\u1ec3 ti\u1ec1n c\u1ee7a b\u1ea1n s\u1ebd kh\u00f4ng c\u00f2n l\u1ea1i bao nhi\u00eau sao khi ti\u00eau x\u00e0i. Trong khi th\u1ef1c hi\u1ec7n ti\u1ebft ki\u1ec7m tr\u01b0\u1edbc, b\u1ea1n \u0111\u1ea3m b\u1ea3o s\u1ed1 ti\u1ec1n b\u1ea1n ti\u1ebft ki\u1ec7m s\u1ebd \u0111\u1ec1u \u0111\u1eb7n m\u1ed7i th\u00e1ng v\u00e0 chi\u1ebfm m\u1ed9t ph\u1ea7n h\u1ee3p l\u00fd trong thu nh\u1eadp. \u0110\u1ebfn \u0111\u00e2y, h\u00e3y c\u00f9ng t\u00ecm hi\u1ec3u v\u1ec1 kh\u00e1i ni\u1ec7m \u201cPay yourself First\u201d – m\u1ed9t ph\u01b0\u01a1ng ph\u00e1p tuy \u0111\u01a1n gi\u1ea3n nh\u01b0ng s\u1ebd gi\u00fap b\u1ea1n \u201cc\u00e1ch m\u1ea1ng\u201d h\u00e0nh tr\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh.<\/span><\/p>\n

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\u201cPay Yourself Fi<\/i><\/b>rst\u201d<\/i><\/b> l\u00e0 g\u00ec? V\u00ec sao ng\u01b0\u1eddi tr\u1ebb c\u1ea7n quan t\u00e2m?<\/b><\/p>\n

\u201cPay Yourself First\u201d l\u00e0 m\u1ed9t<\/span>\u00a0kh\u00e1i ni\u1ec7m ph\u1ed5 bi\u1ebfn trong qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n, \u0111\u1eb7c bi\u1ec7t c\u00f3 l\u1ee3i cho nh\u1eefng ng\u01b0\u1eddi tr\u1ebb \u0111ang t\u00ecm c\u00e1ch x\u00e2y d\u1ef1ng n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh v\u1eefng ch\u1eafc. Nguy\u00ean t\u1eafc n\u00e0y nh\u1ea5n m\u1ea1nh vi\u1ec7c \u01b0u ti\u00ean ti\u1ebft ki\u1ec7m m\u1ed9t ph\u1ea7n thu nh\u1eadp tr\u01b0\u1edbc khi chi ti\u00eau cho nh\u1eefng nhu c\u1ea7u kh\u00e1c. Khi b\u1ea1n nh\u1eadn l\u01b0\u01a1ng ho\u1eb7c thu nh\u1eadp h\u00e0ng th\u00e1ng, h\u00e3y tr\u00edch ngay m\u1ed9t ph\u1ea7n (th\u01b0\u1eddng l\u00e0 10-20%) \u0111\u1ec3 g\u1eedi v\u00e0o qu\u1ef9 ti\u1ebft ki\u1ec7m ho\u1eb7c \u0111\u1ea7u t\u01b0. H\u00e0nh \u0111\u1ed9ng n\u00e0y gi\u00fap b\u1ea1n h\u00ecnh th\u00e0nh th\u00f3i quen ti\u1ebft ki\u1ec7m t\u1ef1 \u0111\u1ed9ng, kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o m\u1ee9c chi ti\u00eau hay c\u00e1c quy\u1ebft \u0111\u1ecbnh t\u00e0i ch\u00ednh t\u1ee9c th\u1eddi.<\/p>\n

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 <\/p>\n

L\u1ee3i \u00edch c\u1ee7a \u201cPay Yourself First\u201d:<\/b><\/p>\n

– Ph\u01b0\u01a1ng ph\u00e1p n\u00e0y gi\u00fap b\u1ea1o n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh v\u1eefng ch\u1eafc. B\u1ea1n s\u1ebd c\u00f3 m\u1ed9t kho\u1ea3n ti\u1ec1n d\u1ef1 ph\u00f2ng \u0111\u1ec3 \u1ee9ng ph\u00f3 v\u1edbi nh\u1eefng t\u00ecnh hu\u1ed1ng kh\u1ea9n c\u1ea5p, ho\u1eb7c t\u1eadn d\u1ee5ng c\u00e1c c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 khi c\u1ea7n.<\/span><\/p>\n

– Ngo\u00e0i ra, Pay Yourself First c\u00f2n gi\u00fap ki\u1ec3m so\u00e1t chi ti\u00eau t\u1ed1t h\u01a1n. Khi \u0111\u00e3 tr\u00edch m\u1ed9t ph\u1ea7n ti\u1ec1n ti\u1ebft ki\u1ec7m, b\u1ea1n bu\u1ed9c ph\u1ea3i s\u1ed1ng trong gi\u1edbi h\u1ea1n c\u00f2n l\u1ea1i. \u0110i\u1ec1u n\u00e0y th\u00fac \u0111\u1ea9y b\u1ea1n qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c h\u1ee3p l\u00fd h\u01a1n.<\/span><\/p>\n

– Cu\u1ed1i c\u00f9ng, n\u00f3 gi\u00fap gi\u00fap b\u1ea1n x\u00e2y d\u1ef1ng v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh d\u00e0i h\u1ea1n. Ch\u1ec9 b\u1eb1ng c\u00e1ch ti\u1ebft ki\u1ec7m \u0111\u1ec1u \u0111\u1eb7n, b\u1ea1n d\u1ec5 d\u00e0ng \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c m\u1ee5c ti\u00eau nh\u01b0 mua nh\u00e0, \u0111\u1ea7u t\u01b0 ho\u1eb7c ngh\u1ec9 h\u01b0u s\u1edbm.<\/span><\/p>\n

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C\u00e1ch m\u00e0 ti\u1ec1n c\u1ee7a b\u1ea1n t\u0103ng tr\u01b0\u1edfng<\/b><\/p>\n

\u0110\u1ec3 hi\u1ec3u r\u00f5 c\u00e1ch ti\u1ec1n c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 t\u0103ng tr\u01b0\u1edfng theo th\u1eddi gian, b\u1ea1n c\u1ea7n n\u1eafm v\u1eefng c\u00e1c kh\u00e1i ni\u1ec7m nh\u01b0 L\u00e3i su\u1ea5t, L\u00e3i k\u00e9p, v\u00e0 Annual Percentage Yield (APY).\u00a0<\/span><\/p>\n

– \u0110\u1ea7u ti\u00ean, <\/span>L\u00e3i su\u1ea5t<\/b> l\u00e0 s\u1ed1 ti\u1ec1n b\u1ea1n nh\u1eadn \u0111\u01b0\u1ee3c khi g\u1eedi ti\u1ec1n v\u00e0o m\u1ed9t t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m ho\u1eb7c \u0111\u1ea7u t\u01b0. \u0110\u00f3 l\u00e0 kho\u1ea3n “th\u01b0\u1edfng” m\u00e0 ng\u00e2n h\u00e0ng ho\u1eb7c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh tr\u1ea3 cho b\u1ea1n v\u00ec \u0111\u00e3 g\u1eedi ti\u1ec1n \u1edf \u0111\u00f3. L\u00e3i su\u1ea5t n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh d\u1ef1a tr\u00ean ph\u1ea7n tr\u0103m c\u1ee7a s\u1ed1 ti\u1ec1n b\u1ea1n \u0111\u00e3 g\u1eedi.<\/span><\/p>\n

– <\/span>L\u00e3i k\u00e9p<\/b> l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng gi\u00fap t\u00e0i s\u1ea3n c\u1ee7a b\u1ea1n t\u0103ng tr\u01b0\u1edfng nhanh ch\u00f3ng. Khi b\u1ea1n nh\u1eadn \u0111\u01b0\u1ee3c l\u00e3i t\u1eeb kho\u1ea3n ti\u1ebft ki\u1ec7m ban \u0111\u1ea7u, s\u1ed1 ti\u1ec1n l\u00e3i \u0111\u00f3 s\u1ebd \u0111\u01b0\u1ee3c t\u00e1i \u0111\u1ea7u t\u01b0 v\u00e0 ti\u1ebfp t\u1ee5c sinh l\u00e3i, t\u1ea1o ra m\u1ed9t chu k\u1ef3 sinh l\u1ee3i l\u00e2u d\u00e0i. \u0110\u1eb7c bi\u1ec7t, l\u00e3i k\u00e9p gi\u00fap b\u1ea1n t\u1ea1o ra nhi\u1ec1u l\u1ee3i nhu\u1eadn h\u01a1n so v\u1edbi l\u00e3i \u0111\u01a1n v\u00ec n\u00f3 kh\u00f4ng ch\u1ec9 t\u00ednh tr\u00ean kho\u1ea3n ti\u1ec1n g\u1ed1c ban \u0111\u1ea7u m\u00e0 c\u00f2n t\u00ednh tr\u00ean c\u1ea3 kho\u1ea3n l\u00e3i t\u00edch l\u0169y qua th\u1eddi gian.<\/span><\/p>\n

– <\/span>APY (Annual Percentage Yield)<\/b> l\u00e0 t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn h\u00e0ng n\u0103m t\u00ednh theo ph\u01b0\u01a1ng th\u1ee9c c\u1ed9ng d\u1ed3n hay n\u00f3i c\u00e1ch kh\u00e1c l\u00e0 ch\u1ec9 s\u1ed1 m\u00f4 t\u1ea3 l\u1ee3i su\u1ea5t th\u1ef1c s\u1ef1 c\u1ee7a kho\u1ea3n \u0111\u1ea7u t\u01b0 hay ti\u1ebft ki\u1ec7m trong m\u1ed9t n\u0103m, bao g\u1ed3m c\u1ea3 l\u00e3i su\u1ea5t v\u00e0 l\u00e3i k\u00e9p. APY cho b\u1ea1n th\u1ea5y m\u1ee9c l\u1ee3i nhu\u1eadn th\u1ef1c t\u1ebf m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c trong m\u1ed9t n\u0103m, gi\u00fap b\u1ea1n d\u1ec5 d\u00e0ng so s\u00e1nh gi\u1eefa c\u00e1c s\u1ea3n ph\u1ea9m ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0 kh\u00e1c nhau.<\/span><\/p>\n

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H\u00e3y nh\u00ecn v\u00e0o v\u00ed d\u1ee5 v\u1ec1 l\u00e3i k\u00e9p sau:\u00a0<\/span><\/p>\n

L\u00c3I SU\u1ea4T GH\u00c9P THEO N\u0102M VS. THEO NG\u00c0Y<\/b><\/p>\n

L\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c gh\u00e9p c\u00e0ng th\u01b0\u1eddng xuy\u00ean, ti\u1ec1n c\u00e0ng t\u0103ng tr\u01b0\u1edfng nhanh.<\/span><\/p>\n\n\n\n\n\n\n\n\n
Gh\u00e9p theo n\u0103m<\/b><\/td>\nGh\u00e9p theo ng\u00e0y<\/b><\/td>\n<\/tr>\n
B\u1eaft \u0111\u1ea7u v\u1edbi 24,000,000 VND<\/span><\/td>\nB\u1eaft \u0111\u1ea7u v\u1edbi 24,000,000 VND<\/span><\/td>\n<\/tr>\n
L\u00e3i su\u1ea5t 5%, gh\u00e9p l\u00e3i h\u00e0ng n\u0103m<\/span><\/td>\nL\u00e3i su\u1ea5t 5%, gh\u00e9p l\u00e3i h\u00e0ng ng\u00e0y<\/span><\/td>\n<\/tr>\n
V\u00e0o cu\u1ed1i ng\u00e0y \u0111\u1ea7u ti\u00ean, v\u1eabn l\u00e0 24,000,000 VND<\/span><\/td>\nV\u00e0o cu\u1ed1i ng\u00e0y \u0111\u1ea7u ti\u00ean, 24,000,084 VND<\/span><\/td>\n<\/tr>\n
V\u00e0o cu\u1ed1i n\u0103m, 25,200,000 VND<\/span><\/td>\nV\u00e0o cu\u1ed1i n\u0103m, 25,230,480 VND<\/span><\/td>\n<\/tr>\n
T\u1ed5ng c\u1ed9ng: 25,200,000 VND<\/span><\/td>\nT\u1ed5ng c\u1ed9ng: 25,230,480 VND<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

L\u00c3I SU\u1ea4T GH\u00c9P QUA TH\u1edcI GIAN<\/b><\/p>\n

Th\u1eddi gian g\u1eedi c\u00e0ng l\u00e2u, m\u1ee9c sinh l\u1eddi c\u00e0ng t\u1ed1i \u0111a.<\/span><\/p>\n\n\n\n\n\n\n\n
<\/td>\n5 n\u0103m<\/b><\/td>\n10 n\u0103m<\/b><\/td>\n<\/tr>\n
Kh\u00f4ng sinh l\u00e3i \u2013 C\u1ea5t gi\u1eef ti\u1ec1n m\u1eb7t<\/span><\/td>\n24,000,000 VND<\/span><\/td>\n24,000,000 VND<\/span><\/td>\n<\/tr>\n
Gh\u00e9p l\u00e3i h\u00e0ng n\u0103m v\u1edbi 5%<\/span><\/td>\n30,624,000 VND<\/span><\/td>\n39,096,000 VND<\/span><\/td>\n<\/tr>\n
Gh\u00e9p l\u00e3i h\u00e0ng th\u00e1ng v\u1edbi 5%<\/span><\/td>\n30,792,000 VND<\/span><\/td>\n39,528,000 VND<\/span><\/td>\n<\/tr>\n
Gh\u00e9p l\u00e3i h\u00e0ng ng\u00e0y v\u1edbi 5%<\/span><\/td>\n30,816,000 VND<\/span><\/td>\n39,576,000 VND<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

B\u1ed1n lo\u1ea1i s\u1ea3n ph\u1ea9m ti\u1ebft ki\u1ec7m ph\u1ed5 bi\u1ebfn hi\u1ec7n nay<\/b><\/p>\n

\u0110\u1ec3 t\u1ed1i \u01b0u h\u00f3a kho\u1ea3n ti\u1ebft ki\u1ec7m, h\u00e3y t\u00ecm hi\u1ec3u v\u00e0 ch\u1ecdn lo\u1ea1i t\u00e0i kho\u1ea3n ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c ti\u00eau v\u00e0 m\u1ee9c \u0111\u1ed9 linh ho\u1ea1t b\u1ea1n mong mu\u1ed1n. Sau \u0111\u00e2y l\u00e0 b\u1ed1n lo\u1ea1i t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m ph\u1ed5 bi\u1ebfn:<\/span><\/p>\n

– Club Account: \u0110\u00e2y l\u00e0 t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c \u0111\u1eb7t ra cho nh\u1eefng m\u1ee5c ti\u00eau ng\u1eafn h\u1ea1n, nh\u01b0 ti\u1ebft ki\u1ec7m \u0111\u1ec3 mua qu\u00e0 T\u1ebft, \u0111i du l\u1ecbch, ho\u1eb7c t\u1ed5 ch\u1ee9c ti\u1ec7c. Lo\u1ea1i t\u00e0i kho\u1ea3n n\u00e0y gi\u00fap b\u1ea1n d\u00e0nh ra m\u1ed9t kho\u1ea3n ti\u1ec1n nh\u1ea5t \u0111\u1ecbnh v\u00e0 h\u1ea1n ch\u1ebf b\u1ea1n r\u00fat ti\u1ec1n tr\u01b0\u1edbc th\u1eddi gian \u0111\u00e3 \u0111\u1ecbnh. V\u00e0 lo\u1ea1i t\u00e0i kho\u1ea3n n\u00e0y th\u01b0\u1eddng y\u00eau c\u1ea7u b\u1ea1n ph\u1ea3i g\u1eedi ti\u1ec1n \u0111\u1ecbnh k\u1ef3. Th\u01b0\u1eddng ch\u00fang ta s\u1ebd th\u1ea5y n\u00f3 t\u1ed3n t\u1ea1i d\u01b0\u1edbi d\u1ea1ng Qu\u1ef9 \u0111i du l\u1ecbch, Qu\u1ef9 li\u00ean hoan l\u1edbp, v.v\u00a0<\/span><\/p>\n

– Ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi: \u0110\u00e2y l\u00e0 t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m v\u1edbi l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh v\u00e0 k\u1ef3 h\u1ea1n nh\u1ea5t \u0111\u1ecbnh (c\u00f3 th\u1ec3 l\u00e0 6 th\u00e1ng, 1 n\u0103m, 5 n\u0103m,…). Khi g\u1eedi ti\u1ec1n v\u00e0o CD, b\u1ea1n cam k\u1ebft kh\u00f4ng r\u00fat ti\u1ec1n tr\u01b0\u1edbc k\u1ef3 h\u1ea1n \u0111\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c l\u00e3i su\u1ea5t cao h\u01a1n so v\u1edbi c\u00e1c t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m linh ho\u1ea1t. CD r\u1ea5t ph\u00f9 h\u1ee3p cho nh\u1eefng kho\u1ea3n ti\u1ebft ki\u1ec7m kh\u00f4ng c\u1ea7n d\u00f9ng \u0111\u1ebfn trong ng\u1eafn h\u1ea1n v\u00e0 mu\u1ed1n t\u1ed1i \u01b0u l\u00e3i su\u1ea5t.<\/span><\/p>\n

– T\u00e0i kho\u1ea3n th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7 (MMDAs): \u0110\u00e2y l\u00e0 t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m k\u1ebft h\u1ee3p gi\u1eefa t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m v\u00e0 t\u00e0i kho\u1ea3n thanh to\u00e1n, \u01b0u \u0111i\u1ec3m c\u1ee7a lo\u1ea1i t\u00e0i kho\u1ea3n l\u00e0 cho ph\u00e9p ng\u01b0\u1eddi g\u1eedi nh\u1eadn l\u00e3i su\u1ea5t cao h\u01a1n so v\u1edbi t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m th\u00f4ng th\u01b0\u1eddng, \u0111\u1ed3ng th\u1eddi cho ph\u00e9p b\u1ea1n r\u00fat ti\u1ec1n linh ho\u1ea1t. Tuy nhi\u00ean, th\u01b0\u1eddng c\u00f3 y\u00eau c\u1ea7u v\u1ec1 s\u1ed1 d\u01b0 t\u1ed1i thi\u1ec3u.<\/span><\/p>\n

– T\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m th\u00f4ng th\u01b0\u1eddng: \u0110\u00e2y l\u00e0 lo\u1ea1i t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m truy\u1ec1n th\u1ed1ng nh\u1ea5t, cho ph\u00e9p b\u1ea1n g\u1eedi v\u00e0 r\u00fat ti\u1ec1n t\u1ef1 do m\u00e0 v\u1eabn nh\u1eadn l\u00e3i su\u1ea5t. D\u00f9 c\u00f3 l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n so v\u1edbi CD ho\u1eb7c MMDAs, nh\u01b0ng t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m v\u1eabn l\u00e0 l\u1ef1a ch\u1ecdn l\u00fd t\u01b0\u1edfng cho nh\u1eefng ai c\u1ea7n t\u00ednh linh ho\u1ea1t v\u00e0 d\u1ec5 d\u00e0ng trong vi\u1ec7c r\u00fat ti\u1ec1n.<\/span><\/p>\n

\"\"<\/p>\n

Xu h\u01b0\u1edbng m\u1edbi ph\u00e1 b\u1ecf r\u00e0o c\u1ea3n \u0110\u1ea7u t\u01b0 v\u00e0 T\u00edch l\u0169y<\/b><\/p>\n

Ngo\u00e0i 4 lo\u1ea1i s\u1ea3n ph\u1ea9m ti\u1ebft ki\u1ec7m k\u1ec3 tr\u00ean, c\u00f3 th\u1ec3 c\u00e2n nh\u1eafc m\u1ed9t ph\u01b0\u01a1ng \u00e1n kh\u00e1c \u0111\u00f3 l\u1ea1i g\u1eedi t\u00edch l\u0169y t\u1ea1i c\u00e1c C\u00f4ng ty Fintech (c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh). K\u1ec3 t\u1eeb sau COVID-19, xu h\u01b0\u1edbng chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd v\u00e0 cho ra \u0111\u1eddi c\u00e1c gi\u1ea3i ph\u00e1p c\u00f4ng ngh\u1ec7 \u0111\u1ec3 gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 trong \u0111\u1eddi s\u1ed1ng hi\u1ec7n \u0111\u1ea1i, v\u00e0 trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh c\u0169ng kh\u00f4ng ngo\u1ea1i l\u1ec7. N\u1ed5i b\u1eadt l\u00e0 s\u1ef1 ra \u0111\u1eddi c\u1ee7a nh\u1eefng \u1ee9ng d\u1ee5ng \u0110\u1ea7u t\u01b0 v\u00e0 T\u00edch l\u0169y. \u0110\u01a1n c\u1eed c\u00f3 th\u1ec3 k\u1ec3 \u0111\u1ebfn s\u1ea3n ph\u1ea9m \u201cT\u00edch l\u0169y\u201d c\u1ee7a Infina<\/a>, cung c\u1ea5p cho b\u1ea1n m\u1ed9t gi\u1ea3i ph\u00e1p t\u00edch l\u0169y linh ho\u1ea1t v\u1edbi l\u1ee3i su\u1ea5t cao h\u01a1n so v\u1edbi ti\u1ebft ki\u1ec7m truy\u1ec1n th\u1ed1ng. Infina cho ph\u00e9p b\u1ea1n b\u1eaft \u0111\u1ea7u T\u00edch l\u0169y v\u1edbi s\u1ed1 v\u1ed1n nh\u1ecf ch\u1ec9 v\u1edbi 200.000 VND v\u00e0 \u0111\u1eb7c bi\u1ec7t c\u00f3 nhi\u1ec1u g\u00f3i T\u00edch l\u0169y \u0111a d\u1ea1ng k\u1ef3 h\u1ea1n, cho ph\u00e9p b\u1ea1n r\u00fat s\u1edbm m\u00e0 kh\u00f4ng b\u1ecb m\u1ea5t l\u00e3i su\u1ea5t.
\n\"\"
\n<\/span><\/p>\n

Cu\u1ed1i c\u00f9ng,<\/b> vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n hi\u1ec7u qu\u1ea3 kh\u00f4ng ch\u1ec9 gi\u00fap b\u1ea1n \u0111\u1ea1t \u0111\u01b0\u1ee3c s\u1ef1 \u1ed5n \u0111\u1ecbnh trong cu\u1ed9c s\u1ed1ng m\u00e0 c\u00f2n x\u00e2y d\u1ef1ng n\u1ec1n t\u1ea3ng \u0111\u1ec3 ph\u00e1t tri\u1ec3n t\u00e0i s\u1ea3n l\u00e2u d\u00e0i. \u00c1p d\u1ee5ng ph\u01b0\u01a1ng ph\u00e1p “Pay Yourself First” v\u00e0 t\u1eadn d\u1ee5ng s\u1ee9c m\u1ea1nh c\u1ee7a l\u00e3i k\u00e9p t\u1eeb c\u00e1c s\u1ea3n ph\u1ea9m ti\u1ebft ki\u1ec7m \u0111a d\u1ea1ng mang \u0111\u1ebfn c\u01a1 h\u1ed9i t\u0103ng tr\u01b0\u1edfng t\u00e0i s\u1ea3n b\u1ec1n v\u1eefng. B\u00e0i vi\u1ebft \u0111\u00e3 chia s\u1ebb nh\u1eefng ph\u01b0\u01a1ng ph\u00e1p ti\u1ebft ki\u1ec7m \u0111\u01a1n gi\u1ea3n, b\u1eaft \u0111\u1ea7u v\u1edbi nh\u1eefng b\u01b0\u1edbc nh\u1ecf nh\u01b0ng c\u1ea7n tu\u00e2n th\u1ee7 ch\u1eb7t ch\u1ebd \u0111\u1ec3 x\u00e2y d\u1ef1ng \u0111\u01b0\u1ee3c n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh v\u1eefng ch\u1eafc trong t\u01b0\u01a1ng lai!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Bạn biết gì về Tài chính Cá Nhân? Có phải hàng tháng bạn tích lũy tiền bằng cách kiếm tiền, sau đó chi tiêu, sử dụng một cách “tiết kiệm” nhất để cuối tháng có dư và để dành vào tài khoản tiết kiệm hoặc mang đi đầu tư. Nghe thì có vẻ hợp lý […]<\/p>\n","protected":false},"author":39,"featured_media":24806,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1247],"tags":[],"class_list":{"0":"post-24785","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-tai-chinh-ca-nhan"},"_links":{"self":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/24785","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\/39"}],"replies":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/comments?post=24785"}],"version-history":[{"count":0,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/24785\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media\/24806"}],"wp:attachment":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media?parent=24785"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/categories?post=24785"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/tags?post=24785"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}