{"id":27334,"date":"2023-12-07T03:47:46","date_gmt":"2023-12-07T03:47:46","guid":{"rendered":"https:\/\/masterskills.org\/blog\/ke-hoach-tiet-kiem-tu-dong-automatic-savings-plan-la-gi.html"},"modified":"2023-12-07T03:47:46","modified_gmt":"2023-12-07T03:47:46","slug":"ke-hoach-tiet-kiem-tu-dong-automatic-savings-plan-la-gi","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/ke-hoach-tiet-kiem-tu-dong-automatic-savings-plan-la-gi.html","title":{"rendered":"K\u1ebf ho\u1ea1ch ti\u1ebft ki\u1ec7m t\u1ef1 \u0111\u1ed9ng (Automatic Savings Plan) l\u00e0 g\u00ec?"},"content":{"rendered":"
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\"Automatic<\/div>\n
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H\u00ecnh minh h\u1ecda<\/i><\/p>\n<\/div>\n<\/div>\n

K\u1ebf ho\u1ea1ch ti\u1ebft ki\u1ec7m t\u1ef1 \u0111\u1ed9ng<\/font><\/h2>\n

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

K\u1ebf ho\u1ea1ch ti\u1ebft ki\u1ec7m t\u1ef1 \u0111\u1ed9ng <\/b>trong ti\u1ebfng Anh l\u00e0\u00a0Automatic Savings Plan.<\/b><\/p>\n

K\u1ebf ho\u1ea1ch ti\u1ebft ki\u1ec7m t\u1ef1 \u0111\u1ed9ng<\/i> l\u00e0 m\u1ed9t ki\u1ec3u h\u1ec7 th\u1ed1ng ti\u1ebft ki\u1ec7m c\u00e1 nh\u00e2n, trong \u0111\u00f3 ng\u01b0\u1eddi tham gia t\u1ef1 \u0111\u1ed9ng g\u1eedi m\u1ed9t kho\u1ea3n ti\u1ec1n c\u1ed1 \u0111\u1ecbnh v\u00e0o t\u00e0i kho\u1ea3n c\u1ee7a m\u00ecnh sau c\u00e1c kho\u1ea3ng th\u1eddi gian x\u00e1c \u0111\u1ecbnh. C\u1ea5u tr\u00fac \u0111i\u1ec3n h\u00ecnh c\u1ee7a k\u1ebf ho\u1ea1ch n\u00e0y l\u00e0 t\u1ef1 \u0111\u1ed9ng chuy\u1ec3n ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng c\u1ee7a m\u1ed9t c\u00e1 nh\u00e2n v\u00e0o t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m ho\u1eb7c t\u00e0i kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a anh ta\/ c\u00f4 ta sau m\u1ed7i hai tu\u1ea7n.<\/p>\n

M\u1ed7i khi nh\u1eadn \u0111\u01b0\u1ee3c ti\u1ec1n l\u01b0\u01a1ng, m\u1ed9t kho\u1ea3n ti\u1ec1n \u0111\u1ecbnh tr\u01b0\u1edbc s\u1ebd t\u1ef1 \u0111\u1ed9ng \u0111\u01b0\u1ee3c chuy\u1ec3n v\u00e0o t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m c\u1ee7a c\u00e1 nh\u00e2n.<\/p>\n

B\u00ean c\u1ea1nh s\u1ef1 ti\u1ec7n l\u1ee3i c\u1ee7a vi\u1ec7c kh\u00f4ng ph\u1ea3i g\u1eedi ti\u1ec1n v\u00e0o t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m m\u1ed7i th\u00e1ng m\u1ed9t c\u00e1ch th\u1ee7 c\u00f4ng, k\u1ebf ho\u1ea1ch ti\u1ebft ki\u1ec7m t\u1ef1 \u0111\u1ed9ng c\u00f2n mang l\u1ea1i nh\u1eefng l\u1ee3i \u00edch kh\u00e1c. Ch\u1eb3ng h\u1ea1n, h\u1ec7 th\u1ed1ng n\u00e0y gi\u00fap m\u1ed9t ng\u01b0\u1eddi d\u1ec5 d\u00e0ng tu\u00e2n th\u1ee7 ng\u00e2n s\u00e1ch c\u00e1 nh\u00e2n h\u01a1n, v\u00ec s\u1ebd kh\u00f3 \u0111\u1ec3 chi ti\u00eau qu\u00e1 m\u1ee9c m\u1ed9t khi ti\u1ec1n \u0111\u00e3 \u0111\u01b0\u1ee3c t\u1ef1 \u0111\u1ed9ng g\u1eedi v\u00e0o t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m.<\/p>\n

\n

H\u1ec7 th\u1ed1ng n\u00e0y c\u0169ng gi\u00fap c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 ti\u1ebfp t\u1ee5c \u0111\u00f3ng g\u00f3p ti\u1ebft ki\u1ec7m v\u00e0o danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a h\u1ecd trong l\u00e2u d\u00e0i, \u0111i\u1ec1u m\u00e0 c\u00f3 th\u1ec3 kh\u00e1 kh\u00f3 \u0111\u1ec3 th\u1ef1c hi\u1ec7n v\u00ec nh\u1eefng \u1ea3nh h\u01b0\u1edfng c\u1ee7a c\u1ea3m x\u00fac sau khi h\u1ee9ng ch\u1ecbu m\u1ed9t v\u00e0i kho\u1ea3n l\u1ed7.<\/p>\n

Thi\u1ebft l\u1eadp k\u1ebf ho\u1ea1ch ti\u1ebft ki\u1ec7m t\u1ef1 \u0111\u1ed9ng<\/b><\/p>\n

K\u1ebf ho\u1ea1ch ti\u1ebft ki\u1ec7m t\u1ef1 \u0111\u1ed9ng\u00a0c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp kh\u00e1 \u0111\u01a1n gi\u1ea3n b\u1eb1ng c\u00e1ch l\u1eadp m\u1ed9t t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m v\u00e0 li\u00ean k\u1ebft v\u1edbi t\u00e0i kho\u1ea3n v\u00e3ng lai; v\u00e0 li\u00ean h\u1ec7 v\u1edbi c\u00f4ng ty l\u00e0m vi\u1ec7c \u0111\u1ec3 l\u1ef1a ch\u1ecdn chuy\u1ec3n m\u1ed9t ph\u1ea7n ti\u1ec1n l\u01b0\u01a1ng tr\u1ef1c ti\u1ebfp v\u00e0o t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m, v\u00e0 ph\u1ea7n c\u00f2n l\u1ea1i chuy\u1ec3n v\u00e0o t\u00e0i kho\u1ea3n thanh to\u00e1n.<\/p>\n

K\u1ebf ho\u1ea1ch ti\u1ebft ki\u1ec7m t\u1ef1 \u0111\u1ed9ng v\u00e0 k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/font><\/h3>\n

K\u1ebf ho\u1ea1ch ti\u1ebft ki\u1ec7m t\u1ef1 \u0111\u1ed9ng<\/b> c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t ph\u1ea7n quan tr\u1ecdng c\u1ee7a k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n. T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n bao g\u1ed3m t\u1ea5t c\u1ea3 c\u00e1c quy\u1ebft \u0111\u1ecbnh v\u00e0 ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh c\u1ee7a m\u1ed9t c\u00e1 nh\u00e2n ho\u1eb7c h\u1ed9 gia \u0111\u00ecnh, bao g\u1ed3m thu nh\u1eadp, ti\u1ebft ki\u1ec7m, \u0111\u1ea7u t\u01b0 v\u00e0 chi ti\u00eau.\u00a0<\/p>\n

Nh\u1eefng s\u1ea3n ph\u1ea9m c\u1ee5 th\u1ec3 li\u00ean quan \u0111\u1ebfn t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n bao g\u1ed3m th\u1ebb t\u00edn d\u1ee5ng, b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u00e0 b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf, th\u1ebf ch\u1ea5p v\u00e0 m\u1ed9t lo\u1ea1t ph\u01b0\u01a1ng ti\u1ec7n \u0111\u1ea7u t\u01b0. Ng\u00e2n h\u00e0ng c\u0169ng \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n, bao g\u1ed3m t\u00e0i kho\u1ea3n ki\u1ec3m tra v\u00e0 t\u00e0i kho\u1ea3n v\u00e3ng lai, c\u00f9ng v\u1edbi c\u00e1c \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh nh\u01b0 d\u1ecbch v\u1ee5 thanh to\u00e1n PayPal.<\/p>\n

M\u1ed9t s\u1ed1 \u1ee9ng d\u1ee5ng cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 ph\u1ee9c t\u1ea1p h\u01a1n nh\u01b0 chuy\u1ec3n ti\u1ec1n ki\u1ec1u h\u1ed1i.<\/p>\n

Thu\u1ebf c\u0169ng l\u00e0 m\u1ed9t \u0111i\u1ec3m c\u1ea7n \u0111\u01b0\u1ee3c c\u00e2n nh\u1eafc c\u1ea9n th\u1eadn trong m\u1ed9t k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n. T\u1ea1i M\u1ef9, vi\u1ec7c ghi nh\u1edb c\u00e1c kho\u1ea3n kh\u1ea5u \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb thu\u1ebf c\u1ee5 th\u1ec3 nh\u01b0 kh\u1ea5u tr\u1eeb l\u00e3i vay c\u1ee7a sinh vi\u00ean c\u00f3 th\u1ec3 gi\u00fap gi\u1ea3m b\u1edbt s\u1ed1 ti\u1ec1n m\u1ed9t ng\u01b0\u1eddi ph\u1ea3i n\u1ed9p thu\u1ebf cho ch\u00ednh ph\u1ee7 m\u1ed7i n\u0103m v\u00e0 ti\u1ebft ki\u1ec7m s\u1ed1 ti\u1ec1n \u0111\u00f3 \u0111\u1ec3 s\u1eed d\u1ee5ng trong t\u01b0\u01a1ng lai.<\/p>\n

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

\n K\u1ebf ho\u1ea1ch ti\u1ebft ki\u1ec7m t\u1ef1 \u0111\u1ed9ng (ti\u1ebfng Anh: Automatic Savings Plan) l\u00e0 m\u1ed9t ki\u1ec3u h\u1ec7 th\u1ed1ng ti\u1ebft ki\u1ec7m c\u00e1 nh\u00e2n, trong \u0111\u00f3 ng\u01b0\u1eddi tham gia t\u1ef1 \u0111\u1ed9ng g\u1eedi m\u1ed9t kho\u1ea3n ti\u1ec1n c\u1ed1 \u0111\u1ecbnh v\u00e0o t\u00e0i kho\u1ea3n c\u1ee7a m\u00ecnh sau c\u00e1c kho\u1ea3ng th\u1eddi gian x\u00e1c \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":[415],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/27334"}],"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=27334"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/27334\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=27334"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=27334"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=27334"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}