{"id":25069,"date":"2024-12-16T14:50:47","date_gmt":"2024-12-16T07:50:47","guid":{"rendered":"http:\/\/infina.vn\/blog\/?p=25069"},"modified":"2024-12-31T11:06:41","modified_gmt":"2024-12-31T04:06:41","slug":"3-chien-luoc-dau-tu-an-toan-cho-nguoi-thu-nhap-trung-binh-tc","status":"publish","type":"post","link":"https:\/\/infina.vn\/blog\/3-chien-luoc-dau-tu-an-toan-cho-nguoi-thu-nhap-trung-binh-tc\/","title":{"rendered":"3 Chi\u1ebfn L\u01b0\u1ee3c \u0110\u1ea7u T\u01b0 An To\u00e0n Cho Ng\u01b0\u1eddi Thu Nh\u1eadp Trung B\u00ecnh"},"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;25069&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;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&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;0\\\/5 - (0 votes)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;3 Chi\u1ebfn L\u01b0\u1ee3c \u0110\u1ea7u T\u01b0 An To\u00e0n Cho Ng\u01b0\u1eddi Thu Nh\u1eadp Trung B\u00ecnh&quot;,&quot;width&quot;:&quot;0&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: 0px;\">\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            <span class=\"kksr-muted\">\u0110\u00e1nh gi\u00e1 t\u1ea1i \u0111\u00e2y<\/span>\n    <\/div>\n    <\/div>\n<p><strong>B\u1ea1n c\u00f3 thu nh\u1eadp trung b\u00ecnh v\u00e0 mu\u1ed1n \u0111\u1ea7u t\u01b0 an to\u00e0n?<\/strong> D\u01b0\u1edbi \u0111\u00e2y l\u00e0 3 chi\u1ebfn l\u01b0\u1ee3c \u0111\u01a1n gi\u1ea3n, d\u1ec5 \u00e1p d\u1ee5ng \u0111\u1ec3 b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n v\u00e0 gia t\u0103ng thu nh\u1eadp:<\/p>\n<ul>\n<li><strong>Ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n<\/strong>: L\u00e3i su\u1ea5t \u1ed5n \u0111\u1ecbnh 5-7%\/n\u0103m, r\u1ee7i ro th\u1ea5p, ph\u00f9 h\u1ee3p cho ng\u01b0\u1eddi m\u1edbi.<\/li>\n<li><strong>Qu\u1ef9 \u0111\u1ea7u t\u01b0<\/strong>: \u0110a d\u1ea1ng h\u00f3a danh m\u1ee5c v\u1edbi s\u1ed1 v\u1ed1n nh\u1ecf, linh ho\u1ea1t gi\u1eefa c\u00e1c qu\u1ef9 an to\u00e0n, c\u00e2n b\u1eb1ng, ho\u1eb7c t\u0103ng tr\u01b0\u1edfng.<\/li>\n<li><strong>V\u00e0ng<\/strong>: B\u1ea3o to\u00e0n gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n d\u00e0i h\u1ea1n, \u0111\u1eb7c bi\u1ec7t trong th\u1eddi k\u1ef3 l\u1ea1m ph\u00e1t.<\/li>\n<\/ul>\n<p><strong>So s\u00e1nh nhanh:<\/strong><\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">Chi\u1ebfn l\u01b0\u1ee3c<\/th>\n<th colspan=\"1\" rowspan=\"1\">L\u1ee3i \u00edch ch\u00ednh<\/th>\n<th colspan=\"1\" rowspan=\"1\">R\u1ee7i ro<\/th>\n<th colspan=\"1\" rowspan=\"1\">Ph\u00f9 h\u1ee3p v\u1edbi ai?<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n<\/td>\n<td colspan=\"1\" rowspan=\"1\">L\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh, an to\u00e0n tuy\u1ec7t \u0111\u1ed1i<\/td>\n<td colspan=\"1\" rowspan=\"1\">R\u1ea5t th\u1ea5p<\/td>\n<td colspan=\"1\" rowspan=\"1\">Ng\u01b0\u1eddi m\u1edbi, \u01b0u ti\u00ean an to\u00e0n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Qu\u1ef9 \u0111\u1ea7u t\u01b0<\/td>\n<td colspan=\"1\" rowspan=\"1\">\u0110a d\u1ea1ng h\u00f3a d\u1ec5 d\u00e0ng, ti\u1ec1m n\u0103ng cao<\/td>\n<td colspan=\"1\" rowspan=\"1\">Trung b\u00ecnh<\/td>\n<td colspan=\"1\" rowspan=\"1\">Ng\u01b0\u1eddi mu\u1ed1n th\u1eed s\u1ee9c d\u00e0i h\u1ea1n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">V\u00e0ng<\/td>\n<td colspan=\"1\" rowspan=\"1\">Thanh kho\u1ea3n cao, ch\u1ed1ng l\u1ea1m ph\u00e1t<\/td>\n<td colspan=\"1\" rowspan=\"1\">Th\u1ea5p-Trung b\u00ecnh<\/td>\n<td colspan=\"1\" rowspan=\"1\">Ng\u01b0\u1eddi c\u1ea7n b\u1ea3o to\u00e0n t\u00e0i s\u1ea3n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\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 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/infina.vn\/blog\/3-chien-luoc-dau-tu-an-toan-cho-nguoi-thu-nhap-trung-binh-tc\/#Hieu_ve_Rui_ro_Dau_tu_va_Cach_Dam_bao_An_toan\" title=\"Hi\u1ec3u v\u1ec1 R\u1ee7i ro \u0110\u1ea7u t\u01b0 v\u00e0 C\u00e1ch \u0110\u1ea3m b\u1ea3o An to\u00e0n\">Hi\u1ec3u v\u1ec1 R\u1ee7i ro \u0110\u1ea7u t\u01b0 v\u00e0 C\u00e1ch \u0110\u1ea3m b\u1ea3o An to\u00e0n<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/infina.vn\/blog\/3-chien-luoc-dau-tu-an-toan-cho-nguoi-thu-nhap-trung-binh-tc\/#Cac_Rui_ro_Pho_bien_Trong_Dau_tu\" title=\"C\u00e1c R\u1ee7i ro Ph\u1ed5 bi\u1ebfn Trong \u0110\u1ea7u t\u01b0\">C\u00e1c R\u1ee7i ro Ph\u1ed5 bi\u1ebfn Trong \u0110\u1ea7u t\u01b0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/infina.vn\/blog\/3-chien-luoc-dau-tu-an-toan-cho-nguoi-thu-nhap-trung-binh-tc\/#Tam_Quan_trong_cua_Da_dang_hoa_Dau_tu\" title=\"T\u1ea7m Quan tr\u1ecdng c\u1ee7a \u0110a d\u1ea1ng h\u00f3a \u0110\u1ea7u t\u01b0\">T\u1ea7m Quan tr\u1ecdng c\u1ee7a \u0110a d\u1ea1ng h\u00f3a \u0110\u1ea7u t\u01b0<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/infina.vn\/blog\/3-chien-luoc-dau-tu-an-toan-cho-nguoi-thu-nhap-trung-binh-tc\/#3_Lua_chon_Dau_tu_An_toan_cho_Nguoi_Thu_nhap_Trung_binh\" title=\"3 L\u1ef1a ch\u1ecdn \u0110\u1ea7u t\u01b0 An to\u00e0n cho Ng\u01b0\u1eddi Thu nh\u1eadp Trung b\u00ecnh\">3 L\u1ef1a ch\u1ecdn \u0110\u1ea7u t\u01b0 An to\u00e0n cho Ng\u01b0\u1eddi Thu nh\u1eadp Trung b\u00ecnh<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/infina.vn\/blog\/3-chien-luoc-dau-tu-an-toan-cho-nguoi-thu-nhap-trung-binh-tc\/#1_Tien_gui_Co_ky_han_Loi_nhuan_on_dinh_rui_ro_thap\" title=\"1. Ti\u1ec1n g\u1eedi C\u00f3 k\u1ef3 h\u1ea1n: L\u1ee3i nhu\u1eadn \u1ed5n \u0111\u1ecbnh, r\u1ee7i ro th\u1ea5p\">1. Ti\u1ec1n g\u1eedi C\u00f3 k\u1ef3 h\u1ea1n: L\u1ee3i nhu\u1eadn \u1ed5n \u0111\u1ecbnh, r\u1ee7i ro th\u1ea5p<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/infina.vn\/blog\/3-chien-luoc-dau-tu-an-toan-cho-nguoi-thu-nhap-trung-binh-tc\/#2_Quy_dau_tu_Da_dang_hoa_de_dang\" title=\"2. Qu\u1ef9 \u0111\u1ea7u t\u01b0: \u0110a d\u1ea1ng h\u00f3a d\u1ec5 d\u00e0ng\">2. Qu\u1ef9 \u0111\u1ea7u t\u01b0: \u0110a d\u1ea1ng h\u00f3a d\u1ec5 d\u00e0ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/infina.vn\/blog\/3-chien-luoc-dau-tu-an-toan-cho-nguoi-thu-nhap-trung-binh-tc\/#3_Vang_Bao_ve_tai_san_trong_dai_han\" title=\"3. V\u00e0ng: B\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n trong d\u00e0i h\u1ea1n\">3. V\u00e0ng: B\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n trong d\u00e0i h\u1ea1n<\/a><\/li><\/ul><\/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\/3-chien-luoc-dau-tu-an-toan-cho-nguoi-thu-nhap-trung-binh-tc\/#Cac_Buoc_Bat_Dau_Su_Dung_Chien_Luoc_Dau_Tu\" title=\"C\u00e1c B\u01b0\u1edbc B\u1eaft \u0110\u1ea7u S\u1eed D\u1ee5ng Chi\u1ebfn L\u01b0\u1ee3c \u0110\u1ea7u T\u01b0\">C\u00e1c B\u01b0\u1edbc B\u1eaft \u0110\u1ea7u S\u1eed D\u1ee5ng Chi\u1ebfn L\u01b0\u1ee3c \u0110\u1ea7u T\u01b0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/infina.vn\/blog\/3-chien-luoc-dau-tu-an-toan-cho-nguoi-thu-nhap-trung-binh-tc\/#Xac_Dinh_Muc_Tieu_va_Lap_Ke_Hoach_Ngan_Sach\" title=\"X\u00e1c \u0110\u1ecbnh M\u1ee5c Ti\u00eau v\u00e0 L\u1eadp K\u1ebf Ho\u1ea1ch Ng\u00e2n S\u00e1ch\">X\u00e1c \u0110\u1ecbnh M\u1ee5c Ti\u00eau v\u00e0 L\u1eadp K\u1ebf Ho\u1ea1ch Ng\u00e2n S\u00e1ch<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/infina.vn\/blog\/3-chien-luoc-dau-tu-an-toan-cho-nguoi-thu-nhap-trung-binh-tc\/#Ket_Luan_Tang_Truong_Tai_San_An_Toan_Theo_Thoi_Gian\" title=\"K\u1ebft Lu\u1eadn: T\u0103ng Tr\u01b0\u1edfng T\u00e0i S\u1ea3n An To\u00e0n Theo Th\u1eddi Gian\">K\u1ebft Lu\u1eadn: T\u0103ng Tr\u01b0\u1edfng T\u00e0i S\u1ea3n An To\u00e0n Theo Th\u1eddi Gian<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/infina.vn\/blog\/3-chien-luoc-dau-tu-an-toan-cho-nguoi-thu-nhap-trung-binh-tc\/#Tom_Tat_Cac_Chien_Luoc_Dau_Tu\" title=\"T\u00f3m T\u1eaft C\u00e1c Chi\u1ebfn L\u01b0\u1ee3c \u0110\u1ea7u T\u01b0\">T\u00f3m T\u1eaft C\u00e1c Chi\u1ebfn L\u01b0\u1ee3c \u0110\u1ea7u T\u01b0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/infina.vn\/blog\/3-chien-luoc-dau-tu-an-toan-cho-nguoi-thu-nhap-trung-binh-tc\/#Loi_Khuyen_Khi_Bat_Dau_Dau_Tu\" title=\"L\u1eddi Khuy\u00ean Khi B\u1eaft \u0110\u1ea7u \u0110\u1ea7u T\u01b0\">L\u1eddi Khuy\u00ean Khi B\u1eaft \u0110\u1ea7u \u0110\u1ea7u T\u01b0<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/infina.vn\/blog\/3-chien-luoc-dau-tu-an-toan-cho-nguoi-thu-nhap-trung-binh-tc\/#Cau_Hoi_Thuong_Gap\" title=\"C\u00e2u H\u1ecfi Th\u01b0\u1eddng G\u1eb7p\">C\u00e2u H\u1ecfi Th\u01b0\u1eddng G\u1eb7p<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/infina.vn\/blog\/3-chien-luoc-dau-tu-an-toan-cho-nguoi-thu-nhap-trung-binh-tc\/#Trong_ba_chien_luoc_dau_tu_dau_la_lua_chon_an_toan_nhat\" title=\"Trong ba chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0, \u0111\u00e2u l\u00e0 l\u1ef1a ch\u1ecdn an to\u00e0n nh\u1ea5t?\">Trong ba chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0, \u0111\u00e2u l\u00e0 l\u1ef1a ch\u1ecdn an to\u00e0n nh\u1ea5t?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/infina.vn\/blog\/3-chien-luoc-dau-tu-an-toan-cho-nguoi-thu-nhap-trung-binh-tc\/#Lam_the_nao_de_phan_bo_von_giua_cac_kenh_dau_tu\" title=\"L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ph\u00e2n b\u1ed5 v\u1ed1n gi\u1eefa c\u00e1c k\u00eanh \u0111\u1ea7u t\u01b0?\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ph\u00e2n b\u1ed5 v\u1ed1n gi\u1eefa c\u00e1c k\u00eanh \u0111\u1ea7u t\u01b0?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/infina.vn\/blog\/3-chien-luoc-dau-tu-an-toan-cho-nguoi-thu-nhap-trung-binh-tc\/#Khi_nao_nen_bat_dau_dau_tu_vao_quy_mo\" title=\"Khi n\u00e0o n\u00ean b\u1eaft \u0111\u1ea7u \u0111\u1ea7u t\u01b0 v\u00e0o qu\u1ef9 m\u1edf?\">Khi n\u00e0o n\u00ean b\u1eaft \u0111\u1ea7u \u0111\u1ea7u t\u01b0 v\u00e0o qu\u1ef9 m\u1edf?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/infina.vn\/blog\/3-chien-luoc-dau-tu-an-toan-cho-nguoi-thu-nhap-trung-binh-tc\/#Lam_sao_de_giam_rui_ro_khi_dau_tu_vang\" title=\"L\u00e0m sao \u0111\u1ec3 gi\u1ea3m r\u1ee7i ro khi \u0111\u1ea7u t\u01b0 v\u00e0ng?\">L\u00e0m sao \u0111\u1ec3 gi\u1ea3m r\u1ee7i ro khi \u0111\u1ea7u t\u01b0 v\u00e0ng?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Hieu_ve_Rui_ro_Dau_tu_va_Cach_Dam_bao_An_toan\"><\/span>Hi\u1ec3u v\u1ec1 R\u1ee7i ro \u0110\u1ea7u t\u01b0 v\u00e0 C\u00e1ch \u0110\u1ea3m b\u1ea3o An to\u00e0n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Tr\u01b0\u1edbc khi b\u1eaft \u0111\u1ea7u \u0111\u1ea7u t\u01b0, vi\u1ec7c hi\u1ec3u r\u00f5 c\u00e1c r\u1ee7i ro ti\u1ec1m \u1ea9n v\u00e0 c\u00e1ch ph\u00f2ng tr\u00e1nh l\u00e0 r\u1ea5t quan tr\u1ecdng, \u0111\u1eb7c bi\u1ec7t v\u1edbi nh\u1eefng ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp trung b\u00ecnh. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 nh\u1eefng r\u1ee7i ro ph\u1ed5 bi\u1ebfn v\u00e0 c\u00e1ch b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n hi\u1ec7u qu\u1ea3.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cac_Rui_ro_Pho_bien_Trong_Dau_tu\"><\/span>C\u00e1c R\u1ee7i ro Ph\u1ed5 bi\u1ebfn Trong \u0110\u1ea7u t\u01b0<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<table>\n<colgroup>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">Lo\u1ea1i r\u1ee7i ro<\/th>\n<th colspan=\"1\" rowspan=\"1\">T\u00e1c \u0111\u1ed9ng ch\u00ednh<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Bi\u1ebfn \u0111\u1ed9ng th\u1ecb tr\u01b0\u1eddng<\/td>\n<td colspan=\"1\" rowspan=\"1\">Gi\u00e1 tr\u1ecb \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 thay \u0111\u1ed5i \u0111\u1ed9t ng\u1ed9t, g\u00e2y t\u1ed5n th\u1ea5t ng\u1eafn h\u1ea1n.<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">L\u1ea1m ph\u00e1t<\/td>\n<td colspan=\"1\" rowspan=\"1\">L\u00e0m gi\u1ea3m gi\u00e1 tr\u1ecb ti\u1ec1n t\u1ec7, v\u1edbi m\u1ee9c trung b\u00ecnh 3.5% t\u1eeb n\u0103m 2012-2022.<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Kh\u1ea3 n\u0103ng r\u00fat v\u1ed1n<\/td>\n<td colspan=\"1\" rowspan=\"1\">Kh\u00f3 r\u00fat v\u1ed1n nhanh, d\u1ec5 d\u1eabn \u0111\u1ebfn b\u00e1n th\u00e1o v\u1edbi gi\u00e1 th\u1ea5p.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span class=\"ez-toc-section\" id=\"Tam_Quan_trong_cua_Da_dang_hoa_Dau_tu\"><\/span>T\u1ea7m Quan tr\u1ecdng c\u1ee7a \u0110a d\u1ea1ng h\u00f3a \u0110\u1ea7u t\u01b0<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<blockquote><p>&#8220;\u0110a d\u1ea1ng h\u00f3a l\u00e0 b\u1eefa \u0103n tr\u01b0a mi\u1ec5n ph\u00ed duy nh\u1ea5t trong \u0111\u1ea7u t\u01b0&#8221; &#8211; Harry Markowitz, Nh\u00e0 kinh t\u1ebf h\u1ecdc \u0111o\u1ea1t gi\u1ea3i Nobel.<\/p><\/blockquote>\n<p>\u0110a d\u1ea1ng h\u00f3a gi\u00fap gi\u1ea3m r\u1ee7i ro b\u1eb1ng c\u00e1ch ph\u00e2n b\u1ed5 v\u1ed1n v\u00e0o nhi\u1ec1u lo\u1ea1i t\u00e0i s\u1ea3n kh\u00e1c nhau. C\u00e1c chuy\u00ean gia khuy\u1ebfn ngh\u1ecb r\u1eb1ng ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp trung b\u00ecnh n\u00ean t\u1eadp trung v\u00e0o c\u00e1c k\u00eanh \u0111\u1ea7u t\u01b0 \u1ed5n \u0111\u1ecbnh v\u00e0 d\u00e0i h\u1ea1n thay v\u00ec theo \u0111u\u1ed5i l\u1ee3i nhu\u1eadn nhanh ch\u00f3ng.<\/p>\n<p><strong>Nh\u1eefng nguy\u00ean t\u1eafc c\u01a1 b\u1ea3n \u0111\u1ec3 \u0111a d\u1ea1ng h\u00f3a:<\/strong><\/p>\n<ul>\n<li>Ph\u00e2n b\u1ed5 v\u1ed1n v\u00e0o nhi\u1ec1u lo\u1ea1i t\u00e0i s\u1ea3n nh\u01b0 c\u1ed5 phi\u1ebfu, tr\u00e1i phi\u1ebfu, v\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/li>\n<li>Kh\u00f4ng \u0111\u1ea7u t\u01b0 qu\u00e1 30% t\u00e0i s\u1ea3n v\u00e0o m\u1ed9t k\u00eanh duy nh\u1ea5t.<\/li>\n<li>Duy tr\u00ec m\u1ed9t ph\u1ea7n ti\u1ec1n m\u1eb7t \u0111\u1ec3 s\u1eed d\u1ee5ng trong c\u00e1c t\u00ecnh hu\u1ed1ng kh\u1ea9n c\u1ea5p.<\/li>\n<\/ul>\n<p>C\u00e1c chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 s\u1eafp \u0111\u01b0\u1ee3c gi\u1edbi thi\u1ec7u \u0111\u1ec1u d\u1ef1a tr\u00ean nguy\u00ean t\u1eafc gi\u1ea3m r\u1ee7i ro v\u00e0 \u0111a d\u1ea1ng h\u00f3a. Sau khi n\u1eafm r\u00f5 r\u1ee7i ro v\u00e0 c\u00e1ch b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n, b\u1ea1n s\u1ebd s\u1eb5n s\u00e0ng kh\u00e1m ph\u00e1 3 chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 an to\u00e0n d\u00e0nh cho ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp trung b\u00ecnh.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"3_Lua_chon_Dau_tu_An_toan_cho_Nguoi_Thu_nhap_Trung_binh\"><\/span>3 L\u1ef1a ch\u1ecdn \u0110\u1ea7u t\u01b0 An to\u00e0n cho Ng\u01b0\u1eddi Thu nh\u1eadp Trung b\u00ecnh<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Tien_gui_Co_ky_han_Loi_nhuan_on_dinh_rui_ro_thap\"><\/span>1. Ti\u1ec1n g\u1eedi C\u00f3 k\u1ef3 h\u1ea1n: L\u1ee3i nhu\u1eadn \u1ed5n \u0111\u1ecbnh, r\u1ee7i ro th\u1ea5p<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n l\u00e0 m\u1ed9t k\u00eanh \u0111\u1ea7u t\u01b0 ph\u00f9 h\u1ee3p cho nh\u1eefng ai mu\u1ed1n gi\u1eef an to\u00e0n cho s\u1ed1 ti\u1ec1n c\u1ee7a m\u00ecnh. V\u1edbi m\u1ee9c l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh v\u00e0 cam k\u1ebft t\u1eeb ng\u00e2n h\u00e0ng ho\u1eb7c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, \u0111\u00e2y l\u00e0 l\u1ef1a ch\u1ecdn l\u00fd t\u01b0\u1edfng cho ng\u01b0\u1eddi m\u1edbi b\u1eaft \u0111\u1ea7u.<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">\u0110\u1eb7c \u0111i\u1ec3m<\/th>\n<th colspan=\"1\" rowspan=\"1\">Chi ti\u1ebft<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">L\u00e3i su\u1ea5t v\u00e0 k\u1ef3 h\u1ea1n<\/td>\n<td colspan=\"1\" rowspan=\"1\">5-7% m\u1ed7i n\u0103m, k\u1ef3 h\u1ea1n t\u1eeb 1-24 th\u00e1ng<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">S\u1ed1 ti\u1ec1n t\u1ed1i thi\u1ec3u<\/td>\n<td colspan=\"1\" rowspan=\"1\">Ch\u1ec9 t\u1eeb v\u00e0i tri\u1ec7u \u0111\u1ed3ng<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Hi\u1ec7n nay, nhi\u1ec1u ng\u00e2n h\u00e0ng cung c\u1ea5p c\u00e1c g\u00f3i ti\u1ec1n g\u1eedi v\u1edbi l\u00e3i su\u1ea5t c\u1ea1nh tranh. B\u1ea1n c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng theo d\u00f5i v\u00e0 r\u00fat v\u1ed1n linh ho\u1ea1t n\u1ebfu c\u1ea7n.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Quy_dau_tu_Da_dang_hoa_de_dang\"><\/span>2. Qu\u1ef9 \u0111\u1ea7u t\u01b0: \u0110a d\u1ea1ng h\u00f3a d\u1ec5 d\u00e0ng<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Qu\u1ef9 \u0111\u1ea7u t\u01b0 l\u00e0 l\u1ef1a ch\u1ecdn h\u1ee3p l\u00fd cho nh\u1eefng ai mu\u1ed1n \u0111a d\u1ea1ng h\u00f3a danh m\u1ee5c m\u00e0 kh\u00f4ng ph\u1ea3i b\u1ecf ra s\u1ed1 v\u1ed1n l\u1edbn. \u0110\u00e2y l\u00e0 c\u00e1ch gi\u00fap b\u1ea1n tham gia th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n m\u00e0 kh\u00f4ng c\u1ea7n qu\u00e1 nhi\u1ec1u kinh nghi\u1ec7m.<\/p>\n<p>C\u00e1c qu\u1ef9 \u0111\u1ea7u t\u01b0 th\u01b0\u1eddng chia th\u00e0nh ba nh\u00f3m ch\u00ednh, t\u00f9y theo m\u1ee9c \u0111\u1ed9 r\u1ee7i ro:<\/p>\n<ul>\n<li><strong>An to\u00e0n<\/strong>: T\u1eadp trung v\u00e0o tr\u00e1i phi\u1ebfu, \u00edt bi\u1ebfn \u0111\u1ed9ng.<\/li>\n<li><strong>C\u00e2n b\u1eb1ng<\/strong>: K\u1ebft h\u1ee3p gi\u1eefa c\u1ed5 phi\u1ebfu v\u00e0 tr\u00e1i phi\u1ebfu.<\/li>\n<li><strong>T\u0103ng tr\u01b0\u1edfng<\/strong>: Ch\u1ee7 y\u1ebfu \u0111\u1ea7u t\u01b0 v\u00e0o c\u1ed5 phi\u1ebfu.<\/li>\n<\/ul>\n<p>Th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n Vi\u1ec7t Nam \u0111ang m\u1edf ra nhi\u1ec1u c\u01a1 h\u1ed9i t\u1eeb c\u00e1c ng\u00e0nh kinh t\u1ebf quan tr\u1ecdng, gi\u00fap b\u1ea1n t\u1eadn d\u1ee5ng ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng m\u00e0 kh\u00f4ng c\u1ea7n t\u1ef1 m\u00ecnh qu\u1ea3n l\u00fd danh m\u1ee5c.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Vang_Bao_ve_tai_san_trong_dai_han\"><\/span>3. V\u00e0ng: B\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n trong d\u00e0i h\u1ea1n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>V\u00e0ng lu\u00f4n l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn \u0111\u00e1ng c\u00e2n nh\u1eafc khi mu\u1ed1n b\u1ea3o v\u1ec7 gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n, \u0111\u1eb7c bi\u1ec7t trong th\u1eddi k\u1ef3 kinh t\u1ebf bi\u1ebfn \u0111\u1ed9ng ho\u1eb7c l\u1ea1m ph\u00e1t. C\u00f3 nhi\u1ec1u c\u00e1ch \u0111\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0ng:<\/p>\n<ul>\n<li><strong>V\u00e0ng mi\u1ebfng<\/strong>: D\u1ec5 d\u00e0ng mua b\u00e1n, thanh kho\u1ea3n cao.<\/li>\n<li><strong>Qu\u1ef9 giao d\u1ecbch v\u00e0ng<\/strong>: Giao d\u1ecbch qua s\u00e0n ch\u1ee9ng kho\u00e1n, ti\u1ec7n l\u1ee3i h\u01a1n.<\/li>\n<li><strong>V\u00e0ng s\u1ed1<\/strong>: Th\u1ef1c hi\u1ec7n giao d\u1ecbch nhanh ch\u00f3ng tr\u00ean c\u00e1c n\u1ec1n t\u1ea3ng s\u1ed1.<\/li>\n<\/ul>\n<p>Khi \u0111\u00e3 ch\u1ecdn \u0111\u01b0\u1ee3c k\u00eanh \u0111\u1ea7u t\u01b0, h\u00e3y l\u00ean k\u1ebf ho\u1ea1ch chi ti\u1ebft \u0111\u1ec3 b\u1eaft \u0111\u1ea7u m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cac_Buoc_Bat_Dau_Su_Dung_Chien_Luoc_Dau_Tu\"><\/span>C\u00e1c B\u01b0\u1edbc B\u1eaft \u0110\u1ea7u S\u1eed D\u1ee5ng Chi\u1ebfn L\u01b0\u1ee3c \u0110\u1ea7u T\u01b0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Xac_Dinh_Muc_Tieu_va_Lap_Ke_Hoach_Ngan_Sach\"><\/span>X\u00e1c \u0110\u1ecbnh M\u1ee5c Ti\u00eau v\u00e0 L\u1eadp K\u1ebf Ho\u1ea1ch Ng\u00e2n S\u00e1ch<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u0110\u1ec3 \u0111\u1ea7u t\u01b0 hi\u1ec7u qu\u1ea3, b\u1ea1n c\u1ea7n m\u1ed9t k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh r\u00f5 r\u00e0ng. H\u00e3y th\u1eed \u00e1p d\u1ee5ng nguy\u00ean t\u1eafc 50\/30\/20:<\/p>\n<ul>\n<li><strong>50%<\/strong> d\u00e0nh cho c\u00e1c chi ph\u00ed thi\u1ebft y\u1ebfu.<\/li>\n<li><strong>30%<\/strong> cho c\u00e1c kho\u1ea3n chi ti\u00eau c\u00e1 nh\u00e2n.<\/li>\n<li><strong>20%<\/strong> \u0111\u1ec3 ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0.<\/li>\n<\/ul>\n<p>V\u00ed d\u1ee5, n\u1ebfu thu nh\u1eadp h\u00e0ng th\u00e1ng c\u1ee7a b\u1ea1n l\u00e0 10 tri\u1ec7u \u0111\u1ed3ng, b\u1ea1n c\u00f3 th\u1ec3 d\u00e0nh 2 tri\u1ec7u \u0111\u1ed3ng cho \u0111\u1ea7u t\u01b0 v\u00e0 ph\u00e2n b\u1ed5 kho\u1ea3n n\u00e0y theo m\u1ee5c ti\u00eau c\u00e1 nh\u00e2n.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ket_Luan_Tang_Truong_Tai_San_An_Toan_Theo_Thoi_Gian\"><\/span>K\u1ebft Lu\u1eadn: T\u0103ng Tr\u01b0\u1edfng T\u00e0i S\u1ea3n An To\u00e0n Theo Th\u1eddi Gian<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Tom_Tat_Cac_Chien_Luoc_Dau_Tu\"><\/span>T\u00f3m T\u1eaft C\u00e1c Chi\u1ebfn L\u01b0\u1ee3c \u0110\u1ea7u T\u01b0<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>T\u1ea7ng l\u1edbp trung l\u01b0u t\u1ea1i Vi\u1ec7t Nam \u0111ang m\u1edf r\u1ed9ng nhanh ch\u00f3ng, mang l\u1ea1i nhi\u1ec1u c\u01a1 h\u1ed9i cho c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 an to\u00e0n v\u00e0 hi\u1ec7u qu\u1ea3. Ba chi\u1ebfn l\u01b0\u1ee3c \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp d\u01b0\u1edbi \u0111\u00e2y ph\u00f9 h\u1ee3p kh\u00f4ng ch\u1ec9 v\u1edbi nh\u1eefng ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp trung b\u00ecnh m\u00e0 c\u00f2n gi\u00fap duy tr\u00ec s\u1ef1 \u1ed5n \u0111\u1ecbnh l\u00e2u d\u00e0i cho danh m\u1ee5c \u0111\u1ea7u t\u01b0.<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">Chi\u1ebfn l\u01b0\u1ee3c<\/th>\n<th colspan=\"1\" rowspan=\"1\">\u0110\u1ed1i t\u01b0\u1ee3ng ph\u00f9 h\u1ee3p<\/th>\n<th colspan=\"1\" rowspan=\"1\">M\u1ee9c \u0111\u1ed9 qu\u1ea3n l\u00fd<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n<\/td>\n<td colspan=\"1\" rowspan=\"1\">Ng\u01b0\u1eddi \u01b0u ti\u00ean s\u1ef1 an to\u00e0n tuy\u1ec7t \u0111\u1ed1i<\/td>\n<td colspan=\"1\" rowspan=\"1\">T\u1ed1i thi\u1ec3u<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Qu\u1ef9 \u0111\u1ea7u t\u01b0<\/td>\n<td colspan=\"1\" rowspan=\"1\">Ng\u01b0\u1eddi mu\u1ed1n \u0111a d\u1ea1ng h\u00f3a t\u00e0i s\u1ea3n<\/td>\n<td colspan=\"1\" rowspan=\"1\">Trung b\u00ecnh<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">V\u00e0ng<\/td>\n<td colspan=\"1\" rowspan=\"1\">Ng\u01b0\u1eddi c\u1ea7n b\u1ea3o to\u00e0n gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n l\u00e2u d\u00e0i<\/td>\n<td colspan=\"1\" rowspan=\"1\">Th\u1ea5p<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Sau khi hi\u1ec3u r\u00f5 c\u00e1c t\u00f9y ch\u1ecdn, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 b\u1eaft tay v\u00e0o th\u1ef1c hi\u1ec7n chi\u1ebfn l\u01b0\u1ee3c ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u v\u00e0 m\u1ee5c ti\u00eau c\u00e1 nh\u00e2n.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Loi_Khuyen_Khi_Bat_Dau_Dau_Tu\"><\/span>L\u1eddi Khuy\u00ean Khi B\u1eaft \u0110\u1ea7u \u0110\u1ea7u T\u01b0<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh t\u1ea1i Vi\u1ec7t Nam hi\u1ec7n nay mang \u0111\u1ebfn nhi\u1ec1u c\u01a1 h\u1ed9i cho ng\u01b0\u1eddi m\u1edbi tham gia. V\u1edbi s\u1ef1 h\u1ed7 tr\u1ee3 t\u1eeb c\u00e1c n\u1ec1n t\u1ea3ng \u0111\u1ea7u t\u01b0, b\u1ea1n c\u00f3 th\u1ec3 kh\u1edfi \u0111\u1ea7u v\u1edbi s\u1ed1 v\u1ed1n nh\u1ecf v\u00e0 d\u1ea7n x\u00e2y d\u1ef1ng danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a m\u00ecnh.<\/p>\n<p>\u0110i\u1ec1u c\u1ea7n nh\u1edb: ki\u00ean nh\u1eabn v\u00e0 k\u1ef7 lu\u1eadt l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng trong \u0111\u1ea7u t\u01b0. M\u1ee5c ti\u00eau kh\u00f4ng ph\u1ea3i l\u00e0 l\u00e0m gi\u00e0u nhanh ch\u00f3ng, m\u00e0 l\u00e0 x\u00e2y d\u1ef1ng m\u1ed9t n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh \u1ed5n \u0111\u1ecbnh. D\u00f9 b\u1eaft \u0111\u1ea7u nh\u1ecf, s\u1ef1 ki\u00ean nh\u1eabn s\u1ebd gi\u00fap b\u1ea1n \u0111\u1ea1t \u0111\u01b0\u1ee3c nh\u1eefng k\u1ebft qu\u1ea3 l\u00e2u d\u00e0i.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cau_Hoi_Thuong_Gap\"><\/span>C\u00e2u H\u1ecfi Th\u01b0\u1eddng G\u1eb7p<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>D\u01b0\u1edbi \u0111\u00e2y l\u00e0 c\u00e2u tr\u1ea3 l\u1eddi cho m\u1ed9t s\u1ed1 th\u1eafc m\u1eafc ph\u1ed5 bi\u1ebfn, gi\u00fap b\u1ea1n d\u1ec5 d\u00e0ng b\u1eaft \u0111\u1ea7u h\u00e0nh tr\u00ecnh \u0111\u1ea7u t\u01b0 c\u1ee7a m\u00ecnh.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Trong_ba_chien_luoc_dau_tu_dau_la_lua_chon_an_toan_nhat\"><\/span>Trong ba chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0, \u0111\u00e2u l\u00e0 l\u1ef1a ch\u1ecdn an to\u00e0n nh\u1ea5t?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n \u0111\u01b0\u1ee3c xem l\u00e0 an to\u00e0n nh\u1ea5t. \u0110\u00e2y l\u00e0 h\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0 v\u1edbi l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh, \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m b\u1edfi nh\u00e0 n\u01b0\u1edbc v\u00e0 c\u00f3 t\u00ednh thanh kho\u1ea3n cao khi c\u1ea7n thi\u1ebft.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Lam_the_nao_de_phan_bo_von_giua_cac_kenh_dau_tu\"><\/span>L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ph\u00e2n b\u1ed5 v\u1ed1n gi\u1eefa c\u00e1c k\u00eanh \u0111\u1ea7u t\u01b0?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>M\u1ed9t danh m\u1ee5c \u0111\u1ea7u t\u01b0 h\u1ee3p l\u00fd c\u00f3 th\u1ec3 ph\u00e2n b\u1ed5 nh\u01b0 sau: 50-60% cho ti\u1ec1n g\u1eedi, 30-40% cho qu\u1ef9 \u0111\u1ea7u t\u01b0, v\u00e0 10-20% cho v\u00e0ng. C\u00e1ch ph\u00e2n b\u1ed5 n\u00e0y gi\u00fap b\u1ea1n gi\u1ea3m thi\u1ec3u r\u1ee7i ro v\u00e0 t\u1ed1i \u01b0u h\u00f3a l\u1ee3i nhu\u1eadn, \u0111\u1eb7c bi\u1ec7t ph\u00f9 h\u1ee3p v\u1edbi ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp trung b\u00ecnh.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Khi_nao_nen_bat_dau_dau_tu_vao_quy_mo\"><\/span>Khi n\u00e0o n\u00ean b\u1eaft \u0111\u1ea7u \u0111\u1ea7u t\u01b0 v\u00e0o qu\u1ef9 m\u1edf?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>B\u1ea1n n\u00ean c\u00e2n nh\u1eafc \u0111\u1ea7u t\u01b0 v\u00e0o qu\u1ef9 m\u1edf khi \u0111\u00e3 c\u00f3 kho\u1ea3n ti\u1ebft ki\u1ec7m \u0111\u1ee7 chi ti\u00eau t\u1eeb 3-6 th\u00e1ng, hi\u1ec3u r\u00f5 c\u00e1c r\u1ee7i ro li\u00ean quan, v\u00e0 s\u1eb5n s\u00e0ng \u0111\u1ea7u t\u01b0 \u0111\u1ecbnh k\u1ef3 t\u1eeb 1 tri\u1ec7u \u0111\u1ed3ng m\u1ed7i th\u00e1ng. \u0110i\u1ec1u n\u00e0y gi\u00fap \u0111\u1ea3m b\u1ea3o b\u1ea1n c\u00f3 n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh \u1ed5n \u0111\u1ecbnh tr\u01b0\u1edbc khi tham gia.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Lam_sao_de_giam_rui_ro_khi_dau_tu_vang\"><\/span>L\u00e0m sao \u0111\u1ec3 gi\u1ea3m r\u1ee7i ro khi \u0111\u1ea7u t\u01b0 v\u00e0ng?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u0110\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0ng hi\u1ec7u qu\u1ea3, h\u00e3y mua t\u1eeb nh\u1eefng n\u01a1i uy t\u00edn, kh\u00f4ng \u0111\u1ec3 t\u1ef7 l\u1ec7 v\u00e0ng v\u01b0\u1ee3t qu\u00e1 20% t\u1ed5ng t\u00e0i s\u1ea3n, xem \u0111\u00e2y l\u00e0 kho\u1ea3n \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n v\u00e0 ch\u1ec9 mua khi gi\u00e1 h\u1ee3p l\u00fd. \u0110i\u1ec1u n\u00e0y s\u1ebd gi\u00fap b\u1ea3o v\u1ec7 gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n c\u1ee7a b\u1ea1n trong th\u1eddi gian d\u00e0i.<\/p>\n<p>\u00c1p d\u1ee5ng nh\u1eefng nguy\u00ean t\u1eafc tr\u00ean s\u1ebd gi\u00fap b\u1ea1n x\u00e2y d\u1ef1ng n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh \u1ed5n \u0111\u1ecbnh v\u00e0 h\u01b0\u1edbng \u0111\u1ebfn m\u1ed9t t\u01b0\u01a1ng lai v\u1eefng ch\u1eafc.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>B&#7841;n c&oacute; thu nh&#7853;p trung b&igrave;nh v&agrave; mu&#7889;n &#273;&#7847;u t&#432; an to&agrave;n? D&#432;&#7899;i &#273;&acirc;y l&agrave; 3 chi&#7871;n l&#432;&#7907;c &#273;&#417;n gi&#7843;n, d&#7877; &aacute;p d&#7909;ng &#273;&#7875; b&#7843;o v&#7879; t&agrave;i s&#7843;n v&agrave; gia t&#259;ng thu nh&#7853;p: Ti&#7873;n g&#7917;i c&oacute; k&#7923; h&#7841;n: L&atilde;i su&#7845;t &#7893;n &#273;&#7883;nh 5-7%\/n&#259;m, r&#7911;i ro th&#7845;p, ph&ugrave; h&#7907;p cho ng&#432;&#7901;i m&#7899;i. Qu&#7929; &#273;&#7847;u t&#432;: &#272;a [&hellip;]<\/p>\n","protected":false},"author":40,"featured_media":25568,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,1247],"tags":[],"class_list":{"0":"post-25069","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-kien-thuc-tai-chinh","8":"category-tai-chinh-ca-nhan"},"_links":{"self":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/25069","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\/40"}],"replies":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/comments?post=25069"}],"version-history":[{"count":0,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/25069\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media\/25568"}],"wp:attachment":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media?parent=25069"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/categories?post=25069"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/tags?post=25069"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}