{"id":24502,"date":"2023-12-06T12:18:26","date_gmt":"2023-12-06T12:18:26","guid":{"rendered":"https:\/\/masterskills.org\/blog\/xu-huong-tiet-kiem-binh-quan-average-propensity-to-save-aps-la-gi-dac-diem.html"},"modified":"2023-12-22T09:47:46","modified_gmt":"2023-12-22T02:47:46","slug":"xu-huong-tiet-kiem-binh-quan-average-propensity-to-save-aps-la-gi-dac-diem","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/xu-huong-tiet-kiem-binh-quan-average-propensity-to-save-aps-la-gi-dac-diem.html","title":{"rendered":"Xu h\u01b0\u1edbng ti\u1ebft ki\u1ec7m b\u00ecnh qu\u00e2n (Average Propensity To Save – APS) l\u00e0 g\u00ec? \u0110\u1eb7c \u0111i\u1ec3m"},"content":{"rendered":"
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Hi\u0300nh minh ho\u0323a. Ngu\u00f4\u0300n: Betterment.com<\/p>\n<\/figcaption><\/figure>\n

Xu h\u01b0\u1edbng ti\u1ebft ki\u1ec7m b\u00ecnh qu\u00e2n<\/span><\/font><\/h2>\n

Kha\u0301i ni\u00ea\u0323m<\/b><\/p>\n

Xu h\u01b0\u1edbng ti\u1ebft ki\u1ec7m b\u00ecnh qu\u00e2n<\/span><\/b> trong ti\u00ea\u0301ng Anh la\u0300 Average Propensity To Save\u00a0– APS.<\/b><\/p>\n

Xu h\u01b0\u1edbng ti\u1ebft ki\u1ec7m b\u00ecnh qu\u00e2n<\/span> (APS)<\/b> l\u00e0 m\u1ed9t thu\u1eadt ng\u1eef kinh t\u1ebf d\u00f9ng \u0111\u1ec3 ch\u1ec9 t\u1ec9 l\u1ec7 thu nh\u1eadp t\u0103ng l\u00ean \u0111\u01b0\u1ee3c tr\u00edch v\u00e0o kho\u1ea3n ti\u1ebft ki\u1ec7m thay v\u00ec chi cho h\u00e0ng h\u00f3a v\u00e0 d\u1ecbch v\u1ee5.\u00a0<\/p>\n

T\u01b0\u01a1ng t\u1ef1 nh\u01b0 t\u1ec9 l\u1ec7 ti\u1ebft ki\u1ec7m, xu h\u01b0\u1edbng ti\u1ebft ki\u1ec7m b\u00ecnh qu\u00e2n<\/span> \u0111\u01b0\u1ee3c bi\u1ec3u di\u1ec5n b\u1eb1ng t\u1ec9 l\u1ec7 ph\u1ea7n tr\u0103m ti\u1ebft ki\u1ec7m c\u1ee7a t\u1ed5ng thu nh\u1eadp kh\u1ea3 d\u1ee5ng c\u1ee7a h\u1ed9 gia \u0111\u00ecnh (thu nh\u1eadp \u0111\u00e3 tr\u1eeb thu\u1ebf).\u00a0<\/i><\/p>\n

Ngh\u1ecbch \u0111\u1ea3o c\u1ee7a xu h\u01b0\u1edbng ti\u1ebft ki\u1ec7m b\u00ecnh qu\u00e2n<\/span> l\u00e0\u00a0xu h\u01b0\u1edbng ti\u00eau d\u00f9ng b\u00ecnh qu\u00e2n\u00a0(APC).<\/i>\u00a0<\/p>\n

\u0110\u1eb7c \u0111i\u1ec3m Xu h\u01b0\u1edbng ti\u1ebft ki\u1ec7m b\u00ecnh qu\u00e2n<\/span><\/font><\/h3>\n

Xu h\u01b0\u1edbng ti\u1ebft ki\u1ec7m b\u00ecnh qu\u00e2n<\/span>\u00a0(APS) <\/b>l\u00e0 m\u1ed9t ch\u1ec9 s\u1ed1 kinh t\u1ebf quan tr\u1ecdng.\u00a0<\/p>\n

T\u1ec9 l\u1ec7 ti\u1ebft ki\u1ec7m hi\u1ec7n t\u1ea1i c\u1ee7a d\u00e2n s\u1ed1 m\u1ed9t qu\u1ed1c gia li\u00ean quan \u0111\u1ebfn c\u00e1c h\u00e0nh vi kinh t\u1ebf, ch\u1eb3ng h\u1ea1n nh\u01b0 ti\u1ebft ki\u1ec7m cho ngh\u1ec9 h\u01b0u.\u00a0<\/p>\n

– Xu h\u01b0\u1edbng ti\u1ebft ki\u1ec7m b\u00ecnh qu\u00e2n<\/span> c\u1ee7a d\u00e2n s\u1ed1 c\u00f3 th\u1ec3 b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi c\u00e1c y\u1ebfu t\u1ed1 nh\u00e2n kh\u1ea9u h\u1ecdc nh\u01b0 t\u1ec9 l\u1ec7 ng\u01b0\u1eddi l\u1edbn tu\u1ed5i trong \u0111\u1ecba ph\u01b0\u01a1ng.\u00a0<\/p>\n

Ng\u01b0\u1eddi l\u1edbn tu\u1ed5i th\u01b0\u1eddng \u0111\u00e3 qua giai \u0111o\u1ea1n t\u00edch l\u0169y c\u1ee7a c\u1ea3i v\u00e0 kh\u1ea3 n\u0103ng ti\u00eau d\u00f9ng cao h\u01a1n l\u00e0 chi ti\u00eau. Nh\u1eefng ng\u01b0\u1eddi tr\u1ebb tu\u1ed5i h\u01a1n \u0111ang trong giai \u0111o\u1ea1n t\u00edch l\u0169y c\u1ee7a c\u1ea3i n\u00ean ti\u1ebft ki\u1ec7m c\u1ee7a h\u1ecd cao h\u01a1n \u0111\u1ec3 cho c\u00e1c giao d\u1ecbch mua gi\u00e1 tr\u1ecb cao nh\u01b0 nh\u00e0 \u1edf v\u00e0 cho ngh\u1ec9 h\u01b0u. \u00a0 \u00a0\u00a0<\/i><\/p>\n

M\u1ed9t d\u00e2n s\u1ed1 c\u00f3 xu h\u01b0\u1edbng ti\u1ebft ki\u1ec7m b\u00ecnh qu\u00e2n<\/span><\/b> th\u1ea5p c\u00f3 th\u1ec3 c\u00f3 t\u1ec9 l\u1ec7 ng\u01b0\u1eddi l\u1edbn tu\u1ed5i cao ho\u1eb7c t\u1ec9 l\u1ec7 ng\u01b0\u1eddi tr\u1ebb tu\u1ed5i chi ti\u00eau nhi\u1ec1u h\u01a1n ti\u1ebft ki\u1ec7m cao.\u00a0<\/p>\n

– C\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c c\u00f3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn Xu h\u01b0\u1edbng ti\u1ebft ki\u1ec7m b\u00ecnh qu\u00e2n<\/span> d\u00e2n s\u1ed1 l\u00e0 t\u1ec9 l\u1ec7 l\u1ea1m ph\u00e1t v\u00e0 l\u00e3i su\u1ea5t hi\u1ec7n h\u00e0nh.\u00a0<\/p>\n

N\u1ebfu l\u1ea1m ph\u00e1t cao, gi\u00e1 c\u1ea3 d\u1ef1 ki\u1ebfn s\u1ebd t\u0103ng trong t\u01b0\u01a1ng lai n\u00ean ng\u01b0\u1eddi d\u00e2n s\u1ebd t\u0103ng ti\u00eau ti\u1ec1n cho h\u00e0ng h\u00f3a v\u00e0 d\u1ecbch v\u1ee5 t\u1ea1i th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c m\u1ee9c gi\u00e1 t\u1ed1t h\u01a1n. \u00a0\u00a0<\/p>\n

L\u00e3i su\u1ea5t th\u1ea5p c\u0169ng khuy\u1ebfn kh\u00edch m\u1ecdi ng\u01b0\u1eddi mua h\u00e0ng ngay t\u1ea1i th\u1eddi \u0111i\u1ec3m \u0111\u00f3 do l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c tr\u1ea3 kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 h\u1ecd xem vi\u1ec7c g\u1eedi ti\u1ebft ki\u1ec7m l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t.\u00a0<\/p>\n

Ng\u01b0\u1ee3c l\u1ea1i, m\u00f4i tr\u01b0\u1eddng kinh t\u1ebf c\u00f3 l\u1ea1m ph\u00e1t th\u1ea5p (hay gi\u1ea3m ph\u00e1t) v\u00e0 l\u00e3i su\u1ea5t cao s\u1ebd khuy\u1ebfn kh\u00edch ti\u1ebft ki\u1ec7m nhi\u1ec1u h\u01a1n v\u00e0 h\u1ea1n ch\u1ebf chi ti\u00eau h\u00e0ng h\u00f3a d\u1ecbch v\u1ee5. \u00a0\u00a0<\/p>\n

Khi thu nh\u1eadp thay \u0111\u1ed5i, s\u1eed d\u1ee5ng xu h\u01b0\u1edbng ti\u1ebft ki\u1ec7m b\u00ecnh qu\u00e2n<\/span><\/b> \u0111\u1ec3 \u0111o l\u01b0\u1eddng nh\u1eefng thay \u0111\u1ed5i trong ti\u1ebft ki\u1ec7m th\u01b0\u1eddng kh\u00f4ng ch\u00ednh x\u00e1c, thay v\u00e0o \u0111\u00f3, c\u00e1c nh\u00e0 kinh t\u1ebf th\u01b0\u1eddng s\u1eed d\u1ee5ng xu h\u01b0\u1edbng ti\u1ebft ki\u1ec7m c\u1eadn bi\u00ean (MPS). \u00a0\u00a0<\/i><\/p>\n

T\u00ednh Xu h\u01b0\u1edbng ti\u1ebft ki\u1ec7m b\u00ecnh qu\u00e2n<\/span><\/font><\/h3>\n

C\u00f4ng th\u1ee9c t\u00ednh xu h\u01b0\u1edbng ti\u1ebft ki\u1ec7m b\u00ecnh qu\u00e2n<\/span> (APS)<\/b> l\u00e0 t\u1ed5ng ti\u1ebft ki\u1ec7m chia cho m\u1ee9c thu nh\u1eadp kh\u1ea3 d\u1ee5ng.<\/p>\n

V\u00ed d\u1ee5: n\u1ebfu m\u1ee9c thu nh\u1eadp l\u00e0 10 tri\u1ec7u v\u00e0 t\u1ed5ng ti\u1ebft ki\u1ec7m tr\u00ean m\u1ee9c thu nh\u1eadp \u0111\u00f3 l\u00e0 3 tri\u1ec7u, th\u00ec APS l\u00e0 3\/10 hay 0,3.<\/p>\n

Gi\u00e1 tr\u1ecb APS lu\u00f4n lu\u00f4n nh\u1ecf h\u01a1n 1 v\u00e0 c\u00f3 th\u1ec3 c\u00f3 gi\u00e1 tr\u1ecb \u00e2m. APS \u00e2m khi thu nh\u1eadp b\u1eb1ng 0 v\u00e0 ti\u00eau d\u00f9ng c\u00f3 gi\u00e1 tr\u1ecb d\u01b0\u01a1ng.\u00a0<\/p>\n

V\u00ed d\u1ee5 m\u1ed9t ng\u01b0\u1eddi kh\u00f4ng c\u00f3 thu nh\u1eadp v\u00e0 chi ti\u00eau 3 tri\u1ec7u m\u1ed7i th\u00e1ng, th\u00ec gi\u00e1 tr\u1ecb APS c\u1ee7a ng\u01b0\u1eddi \u0111\u00f3 l\u00e0 -0.3.\u00a0 \u00a0<\/i><\/p>\n

(Theo Investopedia<\/i>)<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n Xu h\u01b0\u1edbng ti\u1ebft ki\u1ec7m b\u00ecnh qu\u00e2n (ti\u1ebfng Anh: Average Propensity To Save – APS) l\u00e0 m\u1ed9t thu\u1eadt ng\u1eef kinh t\u1ebf d\u00f9ng \u0111\u1ec3 ch\u1ec9 t\u1ec9 l\u1ec7 thu nh\u1eadp t\u0103ng l\u00ean \u0111\u01b0\u1ee3c tr\u00edch v\u00e0o kho\u1ea3n ti\u1ebft ki\u1ec7m thay v\u00ec chi cho h\u00e0ng h\u00f3a v\u00e0 d\u1ecbch v\u1ee5.\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\/24502"}],"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=24502"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/24502\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=24502"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=24502"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=24502"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}