{"id":24474,"date":"2023-12-06T12:16:42","date_gmt":"2023-12-06T12:16:42","guid":{"rendered":"https:\/\/masterskills.org\/blog\/tang-truong-kep-compound-growth-la-gi.html"},"modified":"2023-12-22T09:47:45","modified_gmt":"2023-12-22T02:47:45","slug":"tang-truong-kep-compound-growth-la-gi","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/tang-truong-kep-compound-growth-la-gi.html","title":{"rendered":"T\u0103ng tr\u01b0\u1edfng k\u00e9p (Compound Growth) l\u00e0 g\u00ec?"},"content":{"rendered":"
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H\u00ecnh minh h\u1ecda. Ngu\u1ed3n: SmartAsset.com<\/p>\n<\/figcaption><\/figure>\n

T\u0103ng tr\u01b0\u1edfng k\u00e9p (Compound Growth)<\/font><\/h2>\n

Kh\u00e1i ni\u1ec7m<\/b><\/p>\n

T\u0103ng tr\u01b0\u1edfng k\u00e9p <\/b>trong ti\u1ebfng Anh l\u00e0 Compound Growth<\/b>.<\/p>\n

T\u0103ng tr\u01b0\u1edfng k\u00e9p<\/i> l\u00e0 kh\u00e1i ni\u1ec7m d\u00f9ng \u0111\u1ec3 ch\u1ec9 s\u1ef1 t\u0103ng tr\u01b0\u1edfng \u0111\u01b0\u1ee3c t\u00edch l\u0169y trong m\u1ed9t th\u1eddi gian d\u00e0i, gi\u1ed1ng nh\u01b0 s\u1ef1 gia t\u0103ng c\u1ee7a m\u1ed9t kho\u1ea3n ti\u1ec1n \u0111\u01b0\u1ee3c h\u01b0\u1edfng\u00a0l\u00e3i k\u00e9p.<\/p>\n

N\u00f3i c\u00e1ch kh\u00e1c, ch\u00fang ta c\u00f3 th\u1ec3 \u0111\u1ecbnh ngh\u0129a\u00a0t\u0103ng tr\u01b0\u1edfng k\u00e9p<\/b> l\u00e0\u00a0t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng\u00a0trung b\u00ecnh m\u00e0 m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0 tr\u1ea3i qua trong th\u1eddi gian nhi\u1ec1u n\u0103m.<\/p>\n

N\u1ebfu c\u00f3 t\u0103ng tr\u01b0\u1edfng k\u00e9p, th\u00ec s\u1ef1 kh\u00e1c bi\u1ec7t nh\u1ecf trong t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng c\u1ee7a c\u00e1c n\u01b0\u1edbc c\u00f3 th\u1ec3 d\u1eabn t\u1edbi s\u1ef1 kh\u00e1c bi\u1ec7t r\u1ea5t l\u1edbn trong thu nh\u1eadp v\u00e0 m\u1ee9c s\u1ed1ng c\u1ee7a h\u1ecd sau m\u1ed9t th\u1eddi gian d\u00e0i.<\/p>\n

*L\u00e3i k\u00e9p (Compound interest)<\/i>\u00a0l\u00e0 s\u1ed1 ti\u1ec1n l\u00e3i \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh d\u1ef1a tr\u00ean c\u01a1 s\u1edf s\u1ed1 ti\u1ec1n l\u00e3i c\u1ee7a c\u00e1c th\u1eddi k\u00ec tr\u01b0\u1edbc \u0111\u00f3 \u0111\u01b0\u1ee3c g\u1ed9p v\u00e0o v\u1ed1n g\u1ed1c \u0111\u1ec3 l\u00e0m c\u0103n c\u1ee9 t\u00ednh ti\u1ec1n l\u00e3i cho c\u00e1c th\u1eddi k\u00ec ti\u1ebfp theo.<\/p>\n

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

Gi\u1ea3 s\u1eed Sam v\u1eeba tr\u00fang tuy\u1ec3n v\u00e0o v\u1ecb tr\u00ed chuy\u00ean vi\u00ean ph\u00e2n t\u00edch t\u00e0i ch\u00ednh.\u00a0Trong tu\u1ea7n \u0111\u1ea7u ti\u00ean \u0111i l\u00e0m, s\u1ebfp y\u00eau c\u1ea7u Sam xem x\u00e9t m\u1ed9t c\u00f4ng ty c\u1ee5 th\u1ec3 v\u00e0 cung c\u1ea5p l\u1ea1i con s\u1ed1 t\u0103ng tr\u01b0\u1edfng h\u00e0ng n\u0103m trong b\u1ed1n n\u0103m qua.<\/p>\n

Theo k\u1ebft qu\u1ea3 nghi\u00ean c\u1ee9u c\u1ee7a Sam<\/span>, Sam \u0111\u01b0a ra c\u00e1c s\u1ed1 li\u1ec7u sau.\u00a0Ch\u00fang \u0111\u1ea1i di\u1ec7n cho t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng trung b\u00ecnh h\u00e0ng n\u0103m l\u00e0 23,8%.<\/p>\n

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Doanh s\u1ed1 t\u00ednh (\u0111vt: tri\u1ec7u USD)<\/th>\nT\u0103ng tr\u01b0\u1edfng h\u00e0ng n\u0103m %<\/th>\n<\/tr>\n
10<\/td>\n–<\/td>\n<\/tr>\n
12<\/td>\n20%<\/td>\n<\/tr>\n
9<\/td>\n-25%<\/td>\n<\/tr>\n
15<\/td>\n67%<\/td>\n<\/tr>\n
20<\/td>\n33%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

Sau khi xem qua s\u1ed1 li\u1ec7u c\u1ee7a Sam<\/span>, s\u1ebfp c\u1ee7a Sam<\/span> b\u1eaft \u0111\u1ea7u h\u1ecfi v\u1ec1 gi\u00e1 tr\u1ecb cu\u1ed1i k\u00ec c\u1ee7a kho\u1ea3n \u0111\u1ea7u t\u01b0 10 tri\u1ec7u USD ban \u0111\u1ea7u v\u1edbi t\u1ec9 l\u1ec7 ho\u00e0n v\u1ed1n h\u00e0ng n\u0103m l\u00e0 23,8% m\u1ed7i n\u0103m.\u00a0\u0110\u1ec3 tr\u1ea3 l\u1eddi c\u00e2u h\u1ecfi c\u1ee7a s\u1ebfp, Sam<\/span> s\u1eed d\u1ee5ng c\u00f4ng th\u1ee9c l\u00e3i k\u00e9p, k\u1ebft qu\u1ea3 nh\u01b0 sau:<\/p>\n

10 x (1 + 0,238)4<\/sup> = 23,45 tri\u1ec7u USD<\/p>\n

Tuy nhi\u00ean, d\u1eef li\u1ec7u c\u1ee7a Sam<\/span> cho th\u1ea5y gi\u00e1 tr\u1ecb k\u1ebft th\u00fac l\u00e0 20 tri\u1ec7u USD;\u00a0Sam<\/span> \u0111\u00e3 sai \u1edf \u0111\u00e2u v\u00e0 quan tr\u1ecdng h\u01a1n, l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3\u00a0Sam<\/span> c\u00f3 th\u1ec3 cung c\u1ea5p cho s\u1ebfp\u00a0c\u00e2u tr\u1ea3 l\u1eddi ch\u00ednh x\u00e1c cho c\u00e2u h\u1ecfi n\u00e0y.<\/p>\n

D\u1ec5 th\u1ea5y, t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng trung b\u00ecnh cu\u1ed1i n\u0103m kh\u00f4ng th\u1ec3 cung c\u1ea5p cho ch\u00fang ta m\u1ed9t th\u01b0\u1edbc \u0111o ch\u00ednh x\u00e1c v\u1ec1 t\u0103ng tr\u01b0\u1edfng k\u00e9p trong v\u00e0i n\u0103m. Mu\u1ed1n t\u00ednh to\u00e1n t\u1ed1c \u0111\u1ed9\u00a0t\u0103ng tr\u01b0\u1edfng k\u00e9p ph\u1ea3i x\u00e9t \u0111\u1ebfn t\u1ea5t c\u1ea3 c\u00e1c ng\u1ecdn \u0111\u1ed3i v\u00e0 thung l\u0169ng (c\u00e1c giai \u0111o\u1ea1n t\u0103ng, gi\u1ea3m) trong b\u1ed1i c\u1ea3nh \u0111\u1ea7u t\u01b0. Ta c\u00f3 c\u00f4ng th\u1ee9c nh\u01b0 sau:<\/p>\n

CG = (V<\/span>0<\/sub>\/V<\/span>f<\/sub>)<\/span>1\/n<\/sup> – 1<\/span><\/p>\n

CG: t\u0103ng tr\u01b0\u1edfng k\u00e9p<\/p>\n

V0<\/sub>: gi\u00e1 tr\u1ecb \u0111\u1ea7u k\u00ec c\u1ee7a kho\u1ea3n \u0111\u1ea7u t\u01b0<\/p>\n

Vf<\/sub>: gi\u00e1 tr\u1ecb cu\u1ed1i k\u00ec c\u1ee7a kho\u1ea3n \u0111\u1ea7u t\u01b0<\/p>\n

n: s\u1ed1 n\u0103m<\/p>\n

T\u1eeb \u0111\u00e2y, ta gi\u1ea3i b\u00e0i to\u00e1n tr\u00ean nh\u01b0 sau:<\/p>\n

CG = (20\/10)1\/4 – 1 = 0,189 = 18,9%<\/p>\n

Gi\u00e1 tr\u1ecb cu\u1ed1i k\u00ec c\u1ee7a kho\u1ea3n \u0111\u1ea7u t\u01b0 l\u00e0: 10 x (1+18,9%)4<\/sup> = 20 tri\u1ec7u USD, kh\u1edbp v\u1edbi d\u1eef li\u1ec7u g\u1ed1c.<\/p>\n

L\u01b0u \u00fd<\/b><\/p>\n

M\u1ed9t \u0111i\u1ec1u c\u1ea7n l\u01b0u \u00fd \u1edf \u0111\u00e2y l\u00e0 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng 18,9% th\u1ea5p h\u01a1n \u0111\u00e1ng k\u1ec3 so v\u1edbi t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng 23,8% m\u00e0 Sam c\u00f3 \u0111\u01b0\u1ee3c b\u1eb1ng c\u00e1ch l\u1ea5y trung b\u00ecnh t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng cu\u1ed1i n\u0103m.<\/p>\n

Kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o hai k\u1ebft qu\u1ea3 n\u00e0y c\u0169ng kh\u00e1c nhau nhi\u1ec1u.\u00a0Khi kho\u1ea3n \u0111\u1ea7u t\u01b0 t\u0103ng tr\u01b0\u1edfng kh\u00e1 \u1ed5n \u0111\u1ecbnh theo th\u1eddi gian, th\u00ec c\u1ea3 hai ph\u01b0\u01a1ng ph\u00e1p s\u1ebd cho k\u1ebft qu\u1ea3 l\u00e0 nh\u1eefng con s\u1ed1 t\u01b0\u01a1ng t\u1ef1 nhau. Ng\u01b0\u1ee3c l\u1ea1i, trong tr\u01b0\u1eddng h\u1ee3p thay \u0111\u1ed5i c\u00e0ng l\u1edbn v\u00e0 h\u1ed7n lo\u1ea1n t\u1eeb n\u0103m n\u00e0y sang n\u0103m kh\u00e1c, ph\u01b0\u01a1ng ph\u00e1p t\u00ednh to\u00e1n t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng k\u00e9p s\u1ebd ph\u00e1t huy hi\u1ec7u qu\u1ea3 h\u01a1n.<\/p>\n

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

\n T\u0103ng tr\u01b0\u1edfng k\u00e9p (ti\u1ebfng Anh: Compound Growth) l\u00e0 kh\u00e1i ni\u1ec7m d\u00f9ng \u0111\u1ec3 ch\u1ec9 s\u1ef1 t\u0103ng tr\u01b0\u1edfng \u0111\u01b0\u1ee3c t\u00edch l\u0169y trong m\u1ed9t th\u1eddi gian d\u00e0i, gi\u1ed1ng nh\u01b0 s\u1ef1 gia t\u0103ng c\u1ee7a m\u1ed9t kho\u1ea3n ti\u1ec1n \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u00e3i k\u00e9p.\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\/24474"}],"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=24474"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/24474\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=24474"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=24474"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=24474"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}