{"id":26900,"date":"2023-12-07T03:12:00","date_gmt":"2023-12-07T03:12:00","guid":{"rendered":"https:\/\/masterskills.org\/blog\/ke-toan-nhan-thuc-mental-accounting-va-anh-huong-trong-dau-tu.html"},"modified":"2023-12-22T14:42:52","modified_gmt":"2023-12-22T07:42:52","slug":"ke-toan-nhan-thuc-mental-accounting-va-anh-huong-trong-dau-tu","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/ke-toan-nhan-thuc-mental-accounting-va-anh-huong-trong-dau-tu.html","title":{"rendered":"K\u1ebf to\u00e1n nh\u1eadn th\u1ee9c (Mental Accounting) v\u00e0 \u1ea3nh h\u01b0\u1edfng trong \u0111\u1ea7u t\u01b0"},"content":{"rendered":"
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H\u00ecnh minh ho\u1ea1. Ngu\u1ed3n: thebehavioursagency<\/i><\/p>\n<\/div>\n<\/div>\n

K\u1ebf to\u00e1n nh\u1eadn th\u1ee9c\u00a0<\/font><\/h2>\n

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

K\u1ebf to\u00e1n nh\u1eadn th\u1ee9c<\/b> trong ti\u1ebfng Anh l\u00e0 Mental Accounting.<\/b><\/p>\n

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K\u1ebf to\u00e1n nh\u1eadn th\u1ee9c<\/i> \u0111\u1ec1 c\u1eadp \u0111\u1ebfn c\u00e1c gi\u00e1 tr\u1ecb kh\u00e1c nhau m\u00e0 m\u1ecdi ng\u01b0\u1eddi\u00a0 g\u00e1n cho ti\u1ec1n, d\u1ef1a tr\u00ean c\u00e1c ti\u00eau ch\u00ed ch\u1ee7 quan v\u00e0 th\u01b0\u1eddng d\u1eabn \u0111\u1ebfn k\u1ebft qu\u1ea3 b\u1ea5t l\u1ee3i. K\u1ebf to\u00e1n nh\u1eadn th\u1ee9c<\/i> l\u00e0 m\u1ed9t kh\u00e1i ni\u1ec7m trong l\u0129nh v\u1ef1c kinh t\u1ebf h\u1ecdc h\u00e0nh vi. K\u1ebf to\u00e1n nh\u1eadn th\u1ee9c <\/i>cho r\u1eb1ng c\u00e1c c\u00e1 nh\u00e2n ph\u00e2n lo\u1ea1i ti\u1ec1n th\u00e0nh c\u00e1c nh\u00f3m kh\u00e1c nhau v\u00e0 do \u0111\u00f3 d\u1ec5 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh phi l\u00ed trong h\u00e0nh vi chi ti\u00eau v\u00e0 \u0111\u1ea7u t\u01b0 c\u1ee7a h\u1ecd.<\/p>\n

V\u00ed d\u1ee5 v\u1ec1 k\u1ebf to\u00e1n nh\u1eadn th\u1ee9c<\/font><\/h3>\n

C\u00e1c c\u00e1 nh\u00e2n kh\u00f4ng nh\u1eadn ra c\u00e1ch suy ngh\u0129 theo k\u1ebf to\u00e1n nh\u1eadn th\u1ee9c<\/i> r\u1ea5t phi logic. Ch\u1eb3ng h\u1ea1n, m\u1ed9t s\u1ed1 ng\u01b0\u1eddi c\u1ea5t ti\u1ec1n \u1edf nh\u00e0 \u0111\u1ec3 d\u00e0nh cho m\u1ed9t k\u00ec ngh\u1ec9 ho\u1eb7c mua m\u1ed9t ng\u00f4i nh\u00e0 m\u1edbi, \u0111\u1ed3ng th\u1eddi l\u1ea1i c\u00f3 m\u1ed9t kho\u1ea3n n\u1ee3 kh\u00e1 l\u1edbn trong th\u1ebb t\u00edn d\u1ee5ng.\u00a0<\/p>\n

H\u1ecd c\u00f3 thi\u00ean h\u01b0\u1edbng \u0111\u1ed1i x\u1eed v\u1edbi ti\u1ec1n trong kho\u1ea3n ti\u1ebft ki\u1ec7m n\u00e0y kh\u00e1c v\u1edbi kho\u1ea3n ti\u1ec1n \u0111ang \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 tr\u1ea3 n\u1ee3, d\u00f9 th\u1ef1c t\u1ebf l\u00e0 vi\u1ec7c chia ti\u1ec1n th\u00e0nh hai kho\u1ea3n l\u00e0 ti\u1ebft ki\u1ec7m v\u00e0 tr\u1ea3 n\u1ee3 ch\u1ec9 khi\u1ebfn k\u00e9o d\u00e0i th\u1eddi gian tr\u1ea3 n\u1ee3, d\u1eabn \u0111\u1ebfn l\u00e3i ph\u1ea3i tr\u1ea3 t\u0103ng l\u00ean.<\/p>\n

Khi ph\u00e2n t\u00edch s\u00e2u h\u01a1n, vi\u1ec7c duy tr\u00ec m\u1ed9t kho\u1ea3n ti\u1ebft ki\u1ec7m ki\u1ebfm \u0111\u01b0\u1ee3c \u00edt ho\u1eb7c kh\u00f4ng c\u00f3 l\u00e3i trong khi \u0111\u1ed3ng th\u1eddi gi\u1eef n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng v\u1edbi l\u00e3i su\u1ea5t sao l\u00e0 kh\u00f4ng c\u00f3 l\u00ed v\u00e0 th\u1eadm ch\u00ed l\u00e0 g\u00e2y b\u1ea5t l\u1ee3i.\u00a0<\/p>\n

Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, ti\u1ec1n l\u00e3i ph\u1ea3i tr\u1ea3 cho kho\u1ea3n n\u1ee3 n\u00e0y s\u1ebd \u0103n m\u00f2n b\u1ea5t k\u00ec kho\u1ea3n l\u00e3i n\u00e0o th\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c t\u1eeb kho\u1ea3n ti\u1ebft ki\u1ec7m. C\u00e1c c\u00e1 nh\u00e2n trong t\u00ecnh hu\u1ed1ng n\u00e0y t\u1ed1t nh\u1ea5t n\u00ean s\u1eed d\u1ee5ng s\u1ed1 ti\u1ec1n h\u1ecd \u0111\u00e3 c\u1ea5t trong kho\u1ea3n ti\u1ebft ki\u1ec7m \u0111\u1ec3 tr\u1ea3 h\u1ebft kho\u1ea3n n\u1ee3 \u0111\u1eaft \u0111\u1ecf tr\u01b0\u1edbc khi ch\u00fang t\u0103ng l\u00ean.<\/p>\n

K\u1ebf to\u00e1n nh\u1eadn th\u1ee9c trong \u0111\u1ea7u t\u01b0<\/font><\/h3>\n

M\u1ecdi ng\u01b0\u1eddi c\u0169ng c\u00f3 xu h\u01b0\u1edbng s\u1eed d\u1ee5ng c\u00e1c \u0111\u1ecbnh ki\u1ebfn trong k\u1ebf to\u00e1n nh\u1eadn th\u1ee9c <\/i>trong \u0111\u1ea7u t\u01b0. Ch\u1eb3ng h\u1ea1n, nhi\u1ec1u nh\u00e0 \u0111\u1ea7u t\u01b0 ph\u00e2n chia t\u00e0i s\u1ea3n c\u1ee7a h\u1ecd th\u00e0nh danh m\u1ee5c \u0111\u1ea7u t\u01b0 an to\u00e0n v\u00e0 danh m\u1ee5c \u0111\u1ea7u c\u01a1. H\u1ecd cho r\u1eb1ng l\u00e0m v\u1eady gi\u00fap ng\u0103n ch\u1eb7n vi\u1ec7c thua l\u1ed7 t\u1eeb kho\u1ea3n \u0111\u1ea7u c\u01a1 g\u00e2y \u1ea3nh h\u01b0\u1edfng x\u1ea5u \u0111\u1ebfn \u0111\u1ebfn t\u1ed5ng danh m\u1ee5c \u0111\u1ea7u t\u01b0.\u00a0<\/p>\n

Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, s\u1ef1 kh\u00e1c bi\u1ec7t v\u1ec1 t\u00e0i s\u1ea3n r\u00f2ng b\u1eb1ng kh\u00f4ng, b\u1ea5t k\u1ec3 nh\u00e0 \u0111\u1ea7u t\u01b0 n\u1eafm gi\u1eef nhi\u1ec1u danh m\u1ee5c \u0111\u1ea7u t\u01b0 hay m\u1ed9t danh m\u1ee5c \u0111\u1ea7u t\u01b0 l\u1edbn h\u01a1n. S\u1ef1 kh\u00e1c bi\u1ec7t duy nh\u1ea5t trong hai t\u00ecnh hu\u1ed1ng n\u00e0y l\u00e0 l\u01b0\u1ee3ng th\u1eddi gian v\u00e0 c\u00f4ng s\u1ee9c m\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 b\u1ecf ra \u0111\u1ec3 chia t\u00e1ch c\u00e1c danh m\u1ee5c \u0111\u1ea7u t\u01b0 .<\/p>\n

M\u1ed9t v\u00ed d\u1ee5 kh\u00e1c v\u1ec1 k\u1ebf to\u00e1n nh\u1eadn th\u1ee9c<\/i> trong \u0111\u1ea7u t\u01b0: M\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0 s\u1edf h\u1eefu hai c\u1ed5 phi\u1ebfu: m\u1ed9t c\u1ed5 phi\u1ebfu c\u00f3 l\u00e3i ch\u01b0a th\u1ef1c hi\u1ec7n, v\u00e0 m\u1ed9t l\u00e0 c\u1ed5 phi\u1ebfu c\u00f3 l\u1ed7 ch\u01b0a th\u1ef1c hi\u1ec7n. Nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ea7n ti\u1ec1n m\u1eb7t v\u00e0 ph\u1ea3i b\u00e1n m\u1ed9t trong c\u00e1c c\u1ed5 phi\u1ebfu.\u00a0<\/p>\n

K\u1ebf to\u00e1n nh\u1eadn th\u1ee9c t<\/i>hi\u00ean v\u1ec1 l\u1ef1a ch\u1ecdn b\u00e1n c\u1ed5 phi\u1ebfu c\u00f3 l\u00e3i m\u1eb7c d\u00f9 th\u01b0\u1eddng th\u00ec b\u00e1n c\u1ed5 phi\u1ebfu c\u00f3 l\u1ed7 th\u01b0\u1eddng m\u1edbi l\u00e0 quy\u1ebft \u0111\u1ecbnh h\u1ee3p l\u00ed, do l\u1ee3i \u00edch thu\u1ebf nh\u1eadn \u0111\u01b0\u1ee3c khi hi\u1ec7n th\u1ef1c ho\u00e1 kho\u1ea3n l\u1ed7 c\u0169ng nh\u01b0 th\u1ef1c t\u1ebf l\u00e0 c\u1ed5 phi\u1ebfu \u0111ang thua l\u1ed7 l\u00e0 m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0 k\u00e9m h\u01a1n.\u00a0<\/p>\n

Nhi\u1ec1u nh\u00e0 \u0111\u1ea7u t\u01b0 kh\u00f4ng th\u1ec3 ch\u1ecbu \u0111\u01b0\u1ee3c vi\u1ec7c ghi nh\u1eadn m\u1ed9t kho\u1ea3n l\u1ed7, v\u00ec v\u1eady nh\u00e0 \u0111\u1ea7u t\u01b0 b\u00e1n ng\u01b0\u1eddi c\u1ed5 phi\u1ebfu \u0111ang c\u00f3 l\u00e3i \u0111i \u0111\u1ec3 tr\u00e1nh \u0111i\u1ec1u \u0111\u00f3. \u0110\u00e2y l\u00e0 hi\u1ec7u \u1ee9ng \u00e1c c\u1ea3m m\u1ea5t m\u00e1t, c\u00f3 th\u1ec3 khi\u1ebfn c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u01b0a ra c\u00e1c quy\u1ebft \u0111\u1ecbnh sai l\u1ea7m.<\/p>\n

(Theo\u00a0investopedia.com)<\/i><\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n K\u1ebf to\u00e1n nh\u1eadn th\u1ee9c (ti\u1ebfng Anh: Mental Accounting) l\u00e0 m\u1ed9t kh\u00e1i ni\u1ec7m \u0111\u1ec1 c\u1eadp \u0111\u1ebfn vi\u1ec7c m\u1ecdi ng\u01b0\u1eddi \u0111\u1eb7t ra gi\u00e1 tr\u1ecb kh\u00e1c nhau cho ti\u1ec1n d\u1ef1a tr\u00ean c\u00e1c ti\u00eau chu\u1ea9n ch\u1ee7 quan v\u00e0 d\u1eabn \u0111\u1ebfn k\u1ebft qu\u1ea3 b\u1ea5t l\u1ee3i.\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\/26900"}],"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=26900"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/26900\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=26900"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=26900"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=26900"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}