{"id":26775,"date":"2023-12-07T03:07:11","date_gmt":"2023-12-07T03:07:11","guid":{"rendered":"https:\/\/masterskills.org\/blog\/qui-tro-cap-pension-fund-la-gi-muc-dich-cua-qui-tro-cap.html"},"modified":"2023-12-22T14:54:40","modified_gmt":"2023-12-22T07:54:40","slug":"qui-tro-cap-pension-fund-la-gi-muc-dich-cua-qui-tro-cap","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/qui-tro-cap-pension-fund-la-gi-muc-dich-cua-qui-tro-cap.html","title":{"rendered":"Qu\u0129 tr\u1ee3 c\u1ea5p (Pension Fund) l\u00e0 g\u00ec? M\u1ee5c \u0111\u00edch c\u1ee7a qu\u0129 tr\u1ee3 c\u1ea5p"},"content":{"rendered":"
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H\u00ecnh minh h\u1ecda. Ngu\u1ed3n: Vectorstock<\/p>\n<\/div>\n<\/div>\n

Qu\u0129 tr\u1ee3 c\u1ea5p (Pension Fund)<\/font><\/b><\/h2>\n

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

Qu\u0129<\/span> tr\u1ee3 c\u1ea5p<\/b> trong ti\u1ebfng Anh g\u1ecdi l\u00e0 Pension Fund<\/b>.<\/p>\n

Qu\u0129<\/span> tr\u1ee3 c\u1ea5p<\/b> l\u00e0 m\u1ed9t \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh phi ng\u00e2n h\u00e0ng, th\u1ef1c hi\u1ec7n huy \u0111\u1ed9ng v\u1ed1n b\u1eb1ng c\u00e1c kho\u1ea3n \u0111\u00f3ng g\u00f3p c\u1ee7a nh\u1eefng ng\u01b0\u1eddi tham gia, v\u00e0 s\u1eed d\u1ee5ng v\u1ed1n \u0111\u00f3 v\u00e0o m\u1ee5c \u0111\u00edch ch\u1ee7 y\u1ebfu l\u00e0 chi tr\u1ea3 tr\u1ee3 c\u1ea5p th\u01b0\u1eddng xuy\u00ean cho nh\u1eefng ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m khi h\u1ecd \u0111\u1ebfn tu\u1ed5i ngh\u1ec9 h\u01b0u, v\u00ec v\u1eady c\u00f2n g\u1ecdi l\u00e0 qu\u0129<\/span> h\u01b0u b\u1ed5ng.<\/p>\n

qu\u0129<\/span> n\u00e0y \u0111\u1ea3m b\u1ea3o cho c\u00e1c c\u00e1 nh\u00e2n v\u00e0 gia \u0111\u00ecnh khi t\u1edbi tu\u1ed5i h\u01b0u s\u1ebd c\u00f3 thu nh\u1eadp b\u00f9 v\u00e0o c\u00e1c kho\u1ea3n l\u1ee3i t\u1ee9c m\u00e0 h\u1ecd \u0111\u00e3 m\u1ea5t \u0111i khi ngh\u1ec9 h\u01b0u. Ti\u1ec1n \u0111\u00f3ng qu\u0129<\/span> h\u01b0u tr\u00ed c\u0169ng gi\u1ed1ng nh\u01b0 nh\u1eefng kho\u1ea3n ti\u1ec1n ti\u1ebft ki\u1ec7m \u0111\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng khi v\u1ec1 h\u01b0u.<\/p>\n

Ngo\u00e0i ra, trong th\u1eddi gian ch\u01b0a s\u1eed d\u1ee5ng ngu\u1ed3n v\u1ed1n v\u00e0o m\u1ee5c \u0111\u00edch chi tr\u1ea3 tr\u1ee3 c\u1ea5p, ngu\u1ed3n v\u1ed1n t\u1ea1m th\u1eddi th\u1eeba c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c qu\u0129<\/span> s\u1eed d\u1ee5ng v\u00e0o m\u1ee5c \u0111\u00edch \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c t\u00e0i s\u1ea3n t\u00e0i ch\u00ednh \u0111\u1ec3 sinh l\u1ee3i.<\/p>\n

M\u1ee5c \u0111\u00edch ho\u1ea1t \u0111\u1ed9ng c\u1ee7a qu\u0129<\/span> tr\u1ee3 c\u1ea5p<\/font><\/b><\/h3>\n

Qu\u0129<\/span> tr\u1ee3 c\u1ea5p ho\u1ea1t \u0111\u1ed9ng nh\u1eb1m \u0111\u1ea3m b\u1ea3o m\u1ed9t m\u1ee9c thu nh\u1eadp \u1ed5n \u0111\u1ecbnh cho ng\u01b0\u1eddi lao \u0111\u1ed9ng khi v\u1ec1 h\u01b0u. \u0110\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c \u0111\u00edch n\u00e0y, gi\u1edbi ch\u1ee7, ng\u01b0\u1eddi l\u00e0m c\u00f4ng, c\u00e1c t\u1ed5 ch\u1ee9c c\u00f4ng \u0111o\u00e0n v\u00e0 Ch\u00ednh ph\u1ee7 c\u00f9ng nhau x\u00e2y d\u1ef1ng k\u1ebf ho\u1ea1ch l\u01b0\u01a1ng h\u01b0u tr\u00ed, trong \u0111\u00f3 qui\u00a0\u0111\u1ecbnh t\u1ec9 l\u1ec7 \u0111\u00f3ng g\u00f3p \u0111\u1ecbnh k\u00ec c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng c\u00f2n \u0111ang l\u00e0m vi\u1ec7c.\u00a0<\/p>\n

Chi ph\u00ed tr\u1ea3 cho ng\u01b0\u1eddi v\u1ec1 h\u01b0u di\u1ec5n ra h\u00e0ng n\u0103m, c\u00f3 th\u1ec3 d\u01b0\u1edbi h\u00ecnh th\u1ee9c tr\u1ea3 m\u1ed9t l\u1ea7n ho\u1eb7c tr\u1ea3 \u0111\u1ec1u \u0111\u1eb7n theo \u0111\u1ecbnh k\u00ec. H\u01a1n n\u1eefa, c\u00e1c qu\u0129<\/span> n\u00e0y c\u00f3 th\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c t\u00e0i s\u1ea3n c\u00f3 t\u00ednh an to\u00e0n nh\u01b0 ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng ho\u1eb7c c\u00e1c k\u00ec phi\u1ebfu do ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh.<\/p>\n

Ph\u01b0\u01a1ng th\u1ee9c qu\u1ea3n l\u00ed qu\u0129 tr\u1ee3 c\u1ea5p<\/font><\/b><\/h3>\n

Qu\u0129 tr\u1ee3 c\u1ea5p \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed theo hai ph\u01b0\u01a1ng th\u1ee9c:<\/b><\/p>\n

\u2022 Ch\u01b0\u01a1ng tr\u00ecnh tr\u1ee3 c\u1ea5p ri\u00eang: do c\u00e1c c\u00f4ng ty l\u1edbn l\u1eadp ra. <\/p>\n

M\u1ee5c \u0111\u00edch c\u1ee7a qu\u0129<\/span> l\u00e0 th\u1ef1c hi\u1ec7n ch\u01b0\u01a1ng tr\u00ecnh tr\u1ee3 c\u1ea5p cho c\u00f4ng nh\u00e2n khi h\u1ecd c\u00f3 th\u1eddi gian l\u00e0m vi\u1ec7c t\u1ed1i thi\u1ec3u cho c\u00f4ng ty. Tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u1ee7 th\u1eddi gian l\u00e0m vi\u1ec7c theo qui\u00a0\u0111\u1ecbnh, d\u00f9 l\u00e0 t\u1ef1 \u00fd ra \u0111i ho\u1eb7c b\u1ecb th\u1ea3i h\u1ed3i \u0111\u1ec1u kh\u00f4ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng quy\u1ec1n tr\u1ee3 c\u1ea5p.<\/p>\n

C\u00e1i kh\u00f3 c\u1ee7a ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y l\u00e0 c\u00e1c kho\u1ea3n \u0111\u00f3ng g\u00f3p v\u00e0 thu nh\u1eadp c\u1ee7a ch\u00fang qua c\u00e1c n\u0103m, c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u1ee7 tr\u1ea3 tr\u1ee3 c\u1ea5p khi \u0111\u1ebfn k\u00ec thanh to\u00e1n v\u00e0 c\u00e1c qu\u0129<\/span> \u0111\u00f3 c\u00f3 nguy c\u01a1 thua l\u1ed7 k\u00e9o d\u00e0i. \u0110\u1ec3 kh\u1eafc ph\u1ee5c t\u00ecnh tr\u1ea1ng \u0111\u00f3, Nh\u00e0 n\u01b0\u1edbc th\u01b0\u1eddng l\u00e0 ng\u01b0\u1eddi tham gia \u0111\u00f3ng g\u00f3p v\u1edbi t\u01b0 c\u00e1ch h\u1ed7 tr\u1ee3 cho c\u00e1c doanh nghi\u1ec7p \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o thu nh\u1eadp h\u01b0u tr\u00ed cho nh\u1eefng ng\u01b0\u1eddi l\u00e0m c\u00f4ng.<\/p>\n

\u2022 Ch\u01b0\u01a1ng tr\u00ecnh tr\u1ee3 c\u1ea5p c\u00f4ng c\u1ed9ng: \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed b\u1edfi ch\u00ednh ph\u1ee7. <\/p>\n

Theo ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y, h\u1ea7u h\u1ebft ng\u01b0\u1eddi lao \u0111\u1ed9ng \u0111\u1ec1u nh\u1eadn tr\u1ee3 c\u1ea5p h\u01b0u tr\u00ed. \u0110\u00e2y l\u00e0 ch\u01b0\u01a1ng tr\u00ecnh tr\u1ee3 c\u1ea5p quan tr\u1ecdng nh\u1ea5t m\u00e0 ng\u01b0\u1eddi ta quen g\u1ecdi l\u00e0 b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i. V\u1ed1n c\u1ee7a ch\u01b0\u01a1ng tr\u00ecnh thu \u0111\u01b0\u1ee3c t\u1eeb \u0111\u00f3ng g\u00f3p \u0111\u1ecbnh k\u00ec c\u1ee7a nh\u1eefng ng\u01b0\u1eddi lao \u0111\u1ed9ng \u0111\u01b0\u1ee3c t\u00ednh theo m\u1ed9t t\u1ec9 l\u1ec7 nh\u1ea5t \u0111\u1ecbnh tr\u00ean m\u1ee9c l\u01b0\u01a1ng c\u1ee7a h\u1ecd.<\/p>\n

C\u00e1c kho\u1ea3n tr\u1ee3 c\u1ea5p x\u00e3 h\u1ed9i bao g\u1ed3m ti\u1ec1n thu nh\u1eadp h\u01b0u tr\u00ed, ti\u1ec1n thanh to\u00e1n y t\u1ebf, v\u00e0 tr\u1ee3 c\u1ea5p m\u1ea5t s\u1ee9c lao \u0111\u1ed9ng. Nh\u01b0ng ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y c\u0169ng g\u1eb7p kh\u00f3 kh\u0103n khi t\u1ec9 tr\u1ecdng ng\u01b0\u1eddi v\u1ec1 h\u01b0u so v\u1edbi s\u1ed1 ng\u01b0\u1eddi \u0111i l\u00e0m ng\u00e0y c\u00e0ng t\u0103ng l\u00ean. \u0110\u00e2y l\u00e0 \u0111i\u1ec3m \u0111\u00e1ng lo ng\u1ea1i trong vi\u1ec7c th\u1ef1c hi\u1ec7n ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i m\u00e0 Ch\u00ednh ph\u1ee7 \u0111ang c\u1ed1 g\u1eafng \u0111\u1ec3 can thi\u1ec7p.<\/p>\n

(T\u00e0i li\u1ec7u tham kh\u1ea3o: Gi\u00e1o tr\u00ecnh Ti\u1ec1n t\u1ec7 Ng\u00e2n h\u00e0ng, NXB Ph\u01b0\u01a1ng \u0110\u00f4ng)<\/i><\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n Qu\u0129 tr\u1ee3 c\u1ea5p (ti\u1ebfng Anh: Pension fund) l\u00e0 m\u1ed9t trong nh\u1eefng lo\u1ea1i h\u00ecnh c\u01a1 b\u1ea3n c\u1ee7a \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh phi ng\u00e2n h\u00e0ng. C\u00f9ng v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, qu\u0129 tr\u1ee3 c\u1ea5p ng\u00e0y c\u00e0ng c\u00f3 vai tr\u00f2 quan tr\u1ecdng trong n\u1ec1n kinh t\u1ebf.\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\/26775"}],"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=26775"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/26775\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=26775"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=26775"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=26775"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}