{"id":23966,"date":"2023-12-06T09:02:03","date_gmt":"2023-12-06T09:02:03","guid":{"rendered":"https:\/\/masterskills.org\/blog\/qui-tac-72-rule-of-72-la-gi-vi-du.html"},"modified":"2023-12-22T09:29:51","modified_gmt":"2023-12-22T02:29:51","slug":"qui-tac-72-rule-of-72-la-gi-vi-du","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/qui-tac-72-rule-of-72-la-gi-vi-du.html","title":{"rendered":"Qui t\u1eafc 72 (Rule of 72) l\u00e0 g\u00ec? V\u00ed d\u1ee5"},"content":{"rendered":"
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H\u00ecnh minh h\u1ecda. (\u1ea2nh: Investopedia)<\/p>\n<\/figcaption><\/figure>\n

Qui t\u1eafc 72 (Rule of 72)<\/font><\/h2>\n

\u0110\u1ecbnh ngh\u0129a<\/b><\/p>\n

Qui t\u1eafc 72<\/b> trong ti\u1ebfng Anh l\u00e0 Rule of 72<\/b>.<\/p>\n

Vi\u1ec7c \u01b0\u1edbc t\u00ednh gi\u00e1 tr\u1ecb t\u01b0\u01a1ng lai c\u1ee7a m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 \u0111\u00f2i h\u1ecfi nh\u1eefng ph\u01b0\u01a1ng tr\u00ecnh \u0111\u1ea1i s\u1ed1 ph\u1ee9c t\u1ea1p. Qui t\u1eafc 72<\/i> l\u00e0 m\u1ed9t c\u00e1ch t\u00ednh nhanh, d\u1ec5 d\u00e0ng \u0111\u1ec3 \u01b0\u1edbc l\u01b0\u1ee3ng t\u00e1c \u0111\u1ed9ng c\u1ee7a l\u00e3i k\u00e9p.<\/p>\n

*L\u00e3i k\u00e9p (compound interest) l\u00e0 s\u1ed1 ti\u1ec1n l\u00e3i kh\u00f4ng ch\u1ec9 t\u00ednh tr\u00ean s\u1ed1 ti\u1ec1n g\u1ed1c m\u00e0 c\u00f2n t\u00ednh tr\u00ean s\u1ed1 ti\u1ec1n l\u00e3i do ti\u1ec1n g\u1ed1c \u0111\u00f3 sinh ra v\u00e0 thay \u0111\u1ed5i theo t\u1eebng k\u00ec.<\/p>\n

N\u00f3i c\u00e1ch kh\u00e1c, qui t\u1eafc 72<\/b> l\u00e0 qui t\u1eafc t\u00ednh nh\u1ea9m \u01b0\u1edbc t\u00ednh kho\u1ea3ng th\u1eddi gian c\u1ea7n thi\u1ebft \u0111\u1ec3 s\u1ed1 v\u1ed1n \u0111\u1ea7u t\u01b0 ban \u0111\u1ea7u c\u00f3 th\u1ec3 t\u0103ng l\u00ean g\u1ea5p \u0111\u00f4i d\u1ef1a v\u00e0o m\u1ee9c l\u00e3i su\u1ea5t h\u00e0ng n\u0103m c\u1ed1 \u0111\u1ecbnh.<\/p>\n

C\u00e1ch s\u1eed d\u1ee5ng qu\u00ed t\u1eafc 72:<\/u><\/i><\/p>\n

B\u1eafng c\u00e1ch l\u1ea5y 72 chia cho t\u1ec9 l\u1ec7 t\u0103ng tr\u01b0\u1edfng d\u1ef1 ki\u1ebfn c\u1ee7a m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0, k\u1ebft qu\u1ea3 thu \u0111\u01b0\u1ee3c l\u00e0 s\u1ed1 n\u0103m \u0111\u1ec3 kho\u1ea3n ti\u1ec1n \u0111\u1ea7u t\u01b0 n\u00e0y t\u0103ng g\u1ea5p \u0111\u00f4i.<\/p>\n

V\u00ed d\u1ee5<\/font><\/h3>\n

Qui t\u1eafc 72 cho bi\u1ebft v\u1edbi gi\u00e1 tr\u1ecb kho\u1ea3n \u0111\u1ea7u t\u01b0 ban \u0111\u1ea7u l\u00e0 1 \u0111\u00f4 la v\u00e0 l\u00e3i su\u1ea5t h\u00e0ng n\u0103m c\u1ed1 \u0111\u1ecbnh l\u00e0 10%, s\u1ebd c\u1ea7n 7,2 n\u0103m \u0111\u1ec3\u00a0 kho\u1ea3n \u0111\u1ea7u t\u01b0 \u0111\u00f3 t\u0103ng l\u00ean m\u1ee9c 2 \u0111\u00f4 la. Tr\u00ean th\u1ef1c t\u1ebf, kho\u1ea3n \u0111\u1ea7u t\u01b0 n\u00e0y s\u1ebd m\u1ea5t 7,3 n\u0103m \u0111\u1ec3 t\u0103ng g\u1ea5p \u0111\u00f4i v\u00ec 1*107,3<\/sup>=2.<\/p>\n

M\u1eb7c d\u00f9 qui t\u1eafc n\u00e0y ch\u1ec9 mang t\u00ednh ch\u1ea5t t\u01b0\u01a1ng \u0111\u1ed1i v\u00e0 b\u1ea1n ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 t\u00ednh \u0111\u01b0\u1ee3c th\u1eddi gian v\u1edbi \u0111\u1ed9 ch\u00ednh x\u00e1c cao nh\u1edd v\u00e0o c\u00f4ng th\u1ee9c t\u00ednh\u00a0gi\u00e1 tr\u1ecb t\u01b0\u01a1ng lai c\u1ee7a ti\u1ec1n\u00a0theo l\u00e3i k\u00e9p, tuy nhi\u00ean qui t\u1eafc n\u00e0y c\u00f3 \u01b0u \u0111i\u1ec3m l\u00e0 gi\u00fap t\u00ednh nh\u1ea9m d\u1ec5 d\u00e0ng v\u00e0 nhanh ch\u00f3ng.<\/p>\n

B\u1ea3ng d\u01b0\u1edbi \u0111\u00e2y so s\u00e1nh con s\u1ed1 \u0111\u01b0\u1ee3c \u0111\u01b0a ra b\u1edfi qui t\u1eafc 72 v\u00e0 s\u1ed1 n\u0103m th\u1ef1c t\u1ebf \u0111\u1ec3 kho\u1ea3n \u0111\u1ea7u t\u01b0 \u0111\u1ec3 t\u0103ng g\u1ea5p \u0111\u00f4i.<\/p>\n

\n\n\n\n\n\n\n\n\n\n\n\n\n\n
L\u00e3i su\u1ea5t<\/b><\/td>\nQui t\u1eafc 72<\/b><\/td>\n\n
S\u1ed1 n\u0103m th\u1ef1c t\u1ebf<\/b><\/div>\n
(t\u00ednh theo l\u00e3i k\u00e9p)<\/b><\/div>\n<\/td>\n
Ch\u00eanh l\u1ec7ch<\/b><\/td>\n<\/tr>\n
2%<\/td>\n36<\/td>\n35<\/td>\n1<\/td>\n<\/tr>\n
3%<\/td>\n24<\/td>\n23,45<\/td>\n0,6<\/td>\n<\/tr>\n
5%<\/td>\n14,4<\/td>\n14,21<\/td>\n0,2<\/td>\n<\/tr>\n
7%<\/td>\n10,3<\/td>\n10,24<\/td>\n0,0<\/td>\n<\/tr>\n
9%<\/td>\n8<\/td>\n8,04<\/td>\n0.0<\/td>\n<\/tr>\n
12%<\/td>\n6<\/td>\n6,12<\/td>\n0,1<\/td>\n<\/tr>\n
25%<\/td>\n2,9<\/td>\n3,11<\/td>\n0,2<\/td>\n<\/tr>\n
50%<\/td>\n1,4<\/td>\n1,71<\/td>\n0,3<\/td>\n<\/tr>\n
72%<\/td>\n1,0<\/td>\n1,28<\/td>\n0,3<\/td>\n<\/tr>\n
100%<\/td>\n0,7<\/td>\n1<\/td>\n0,3<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

Li\u00ean h\u1ec7 th\u1ef1c t\u1ebf<\/font><\/h3>\n

N\u1ebfu Aaron \u0111\u1ea7u t\u01b0 5.000 \u0111\u00f4 la v\u00e0o m\u1ed9t m\u00e3 c\u1ed5 phi\u1ebfu blue chip v\u1edbi l\u1ee3i su\u1ea5t h\u00e0ng n\u0103m kho\u1ea3ng 2%, th\u00ec kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a anh ta s\u1ebd \u0111\u1ea1t 10.000 \u0111\u00f4 la sau 6 n\u0103m.<\/p>\n

C\u00f4ng th\u1ee9c n\u00e0y c\u0169ng c\u00f3 th\u1ec3 gi\u00fap minh h\u1ecda t\u1eafc \u0111\u1ed9ng c\u1ee7a l\u1ea1m ph\u00e1t v\u00e0 chi ph\u00ed.<\/p>\n

N\u1ebfu Aaron k\u00ec v\u1ecdng t\u1ec9 l\u1ec7 l\u1ea1m ph\u00e1t d\u00e0i h\u1ea1n l\u00e0 3%, th\u00ec m\u1ecdi kho\u1ea3n ti\u1ebft ki\u1ec7m anh ta kh\u00f4ng \u0111\u1ea7u t\u01b0 s\u1ebd m\u1ea5t \u0111i m\u1ed9t n\u1eeda gi\u00e1 tr\u1ecb sau 24 n\u0103m.<\/p>\n

Nh\u01b0 v\u1eady, b\u1ea1n c\u00f3 th\u1ec3 d\u00f9ng qui t\u1eafc 72 \u0111\u1ec3 d\u1ec5 d\u00e0ng h\u00ecnh dung ra t\u00e1c \u0111\u1ed9ng c\u1ee7a l\u00e3i su\u1ea5t k\u00e9p \u0111\u1ebfn ti\u1ec1n.<\/p>\n

(T\u00e0i li\u1ec7u tham kh\u1ea3o: Investopedia)<\/i><\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n Qui t\u1eafc 72 (ti\u1ebfng Anh: Rule of 72) l\u00e0 qui t\u1eafc t\u00ednh nh\u1ea9m \u01b0\u1edbc t\u00ednh kho\u1ea3ng th\u1eddi gian c\u1ea7n thi\u1ebft \u0111\u1ec3 s\u1ed1 v\u1ed1n \u0111\u1ea7u t\u01b0 ban \u0111\u1ea7u c\u00f3 th\u1ec3 t\u0103ng l\u00ean g\u1ea5p \u0111\u00f4i d\u1ef1a v\u00e0o m\u1ee9c l\u00e3i su\u1ea5t h\u00e0ng n\u0103m c\u1ed1 \u0111\u1ecbnh.\n <\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[414],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/23966"}],"collection":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/comments?post=23966"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/23966\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=23966"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=23966"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=23966"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}