{"id":27755,"date":"2023-12-07T04:44:04","date_gmt":"2023-12-07T04:44:04","guid":{"rendered":"https:\/\/masterskills.org\/blog\/dong-gop-huu-tri-retirement-contribution-la-gi.html"},"modified":"2023-12-07T04:44:04","modified_gmt":"2023-12-07T04:44:04","slug":"dong-gop-huu-tri-retirement-contribution-la-gi","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/dong-gop-huu-tri-retirement-contribution-la-gi.html","title":{"rendered":"\u0110\u00f3ng g\u00f3p h\u01b0u tr\u00ed (Retirement Contribution) l\u00e0 g\u00ec?"},"content":{"rendered":"
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\"\u0110\u00f3ng<\/div>
\n

(\u1ea2nh minh h\u1ecda: Swcllp)<\/p>\n<\/figcaption><\/figure>\n

\u0110\u00f3ng g\u00f3p h\u01b0u tr\u00ed<\/font><\/h2>\n

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

\u0110\u00f3ng g\u00f3p h\u01b0u tr\u00ed<\/b> trong ti\u1ebfng Anh l\u00e0 Retirement Contribution.<\/b><\/p>\n

\u0110\u00f3ng g\u00f3p h\u01b0u tr\u00ed <\/b>l\u00e0 \u0111\u00f3ng g\u00f3p b\u1eb1ng ti\u1ec1n cho k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u.<\/p>\n

\u0110\u00f3ng g\u00f3p h\u01b0u tr\u00ed c\u00f3 th\u1ec3 l\u00e0 tr\u01b0\u1edbc thu\u1ebf ho\u1eb7c sau thu\u1ebf, t\u00f9y thu\u1ed9c v\u00e0o k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u c\u00f3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n hay kh\u00f4ng, m\u1ee9c \u0111\u00f3ng g\u00f3p t\u1eeb thu nh\u1eadp c\u1ee7a ng\u01b0\u1eddi \u0111\u00f3ng g\u00f3p l\u00e0 bao nhi\u00eau v\u00e0 li\u1ec7u ng\u01b0\u1eddi \u0111\u00f3ng g\u00f3p c\u00f3 h\u1ea1n ch\u1ebf v\u1ec1 kh\u1ea5u tr\u1eeb thu\u1ebf hay kh\u00f4ng.<\/p>\n

\u0110\u1eb7c \u0111i\u1ec3m c\u1ee7a \u0110\u00f3ng g\u00f3p h\u01b0u tr\u00ed<\/font><\/b><\/h3>\n

Trong nhi\u1ec1u k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u c\u1ee7a c\u00f4ng ty, t\u01b0 nh\u00e2n v\u00e0 ch\u00ednh ph\u1ee7, \u0111\u00f3ng g\u00f3p h\u01b0u tr\u00ed <\/b>c\u1ee7a nh\u00e2n vi\u00ean ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng.<\/p>\n

\u0110\u1ed1i v\u1edbi nh\u00e2n vi\u00ean, \u0111\u00f3ng g\u00f3p h\u01b0u tr\u00ed c\u00f3 th\u1ec3 mang l\u1ea1i nhi\u1ec1u l\u1ee3i \u00edch to l\u1edbn.<\/i><\/p>\n

Nh\u1eefng ng\u01b0\u1eddi c\u00f3 th\u1ec3 \u0111\u00f3ng g\u00f3p \u00edt nh\u1ea5t 10% thu nh\u1eadp c\u1ee7a h\u1ecd trong su\u1ed1t cu\u1ed9c \u0111\u1eddi l\u00e0m vi\u1ec7c v\u00e0 \u0111\u1ea7u t\u01b0 ti\u1ec1n v\u00e0o m\u1ed9t lo\u1ea1t c\u00e1c c\u1ed5 phi\u1ebfu s\u1ebd c\u00f3 th\u1eddi gian ngh\u1ec9 h\u01b0u tho\u1ea3i m\u00e1i.<\/p>\n

Nh\u1eefng ng\u01b0\u1eddi \u0111\u00f3ng g\u00f3p \u00edt ho\u1eb7c \u0111\u1ea7u t\u01b0 qu\u00e1 th\u1eadn tr\u1ecdng v\u00e0o th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7 ho\u1eb7c tr\u00e1i phi\u1ebfu l\u00e3i su\u1ea5t th\u1ea5p th\u00ec c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng ph\u1ee5 thu\u1ed9c g\u1ea7n nh\u01b0 ho\u00e0n to\u00e0n v\u00e0o h\u1ec7 th\u1ed1ng an sinh x\u00e3 h\u1ed9i.<\/p>\n

H\u00e3y nh\u1edb r\u1eb1ng c\u00e1c \u0111\u00f3ng g\u00f3p x\u00e1c \u0111\u1ecbnh tr\u01b0\u1edbc c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ho\u00e3n thu\u1ebf. Trong c\u00e1c k\u1ebf ho\u1ea1ch \u0111\u00f3ng g\u00f3p \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh, c\u00e1c kho\u1ea3n \u0111\u00f3ng g\u00f3p th\u00ec \u0111\u01b0\u1ee3c ho\u00e3n thu\u1ebf, nh\u01b0ng r\u00fat ra th\u00ec ph\u1ea3i ch\u1ecbu thu\u1ebf.<\/p>\n

N\u1ebfu \u0111\u00f3ng g\u00f3p \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1eb1ng ti\u1ec1n sau khi c\u00e1 nh\u00e2n \u0111\u00e3 n\u1ed9p thu\u1ebf, th\u00ec \u0111\u00f3 \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 \u0111\u00f3ng g\u00f3p sau thu\u1ebf.<\/p>\n

\u0110\u00f3ng g\u00f3p tr\u01b0\u1edbc thu\u1ebf c\u00f3 l\u1ee3i cho nh\u1eefng ng\u01b0\u1eddi \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n v\u00ec n\u00f3 l\u00e0m gi\u1ea3m s\u1ed1 ti\u1ec1n thu\u1ebf ph\u1ea3i tr\u1ea3 t\u1ea1i th\u1eddi \u0111i\u1ec3m \u0111\u00f3. Do \u0111\u00f3, \u0111\u00f3ng g\u00f3p tr\u01b0\u1edbc thu\u1ebf s\u1ebd t\u1ed1t h\u01a1n l\u00e0 tr\u00ec ho\u00e3n thanh to\u00e1n v\u00ec y\u1ebfu t\u1ed1 l\u1ea1m ph\u00e1t.<\/i><\/p>\n

\u0110\u1ec3 \u0111\u1ea3m b\u1ea3o cho k\u1ebf ho\u1ea1ch \u0111\u00f3ng g\u00f3p v\u00e0o h\u01b0u tr\u00ed, c\u00e1c t\u00ednh n\u0103ng h\u1ed7 tr\u1ee3 cho nh\u00e2n vi\u00ean t\u1eeb 50 tu\u1ed5i tr\u1edf l\u00ean, \u0111\u01b0\u1ee3c \u0111\u01b0a ra bao g\u1ed3m: \u0111\u0103ng k\u00ed tham gia k\u1ebf ho\u1ea1ch \u0111\u00f3ng g\u00f3p t\u1ef1 \u0111\u1ed9ng, gia t\u0103ng l\u01b0\u1ee3ng \u0111\u00f3ng g\u00f3p m\u1ed9t c\u00e1ch t\u1ef1 \u0111\u1ed9ng, g\u00e2y kh\u00f3 kh\u0103n trong r\u00fat ti\u1ec1n, \u0111i\u1ec1u kho\u1ea3n cho vay v\u00e0 h\u1ed7 tr\u1ee3 \u0111\u00f3ng g\u00f3p b\u1eaft k\u1ecbp,…<\/p>\n

\u0110\u00f3ng g\u00f3p h\u01b0u tr\u00ed c\u00f3 th\u1ec3 d\u01b0\u1edbi d\u1ea1ng \u0111\u00f3ng g\u00f3p tr\u01b0\u1edbc thu\u1ebf ho\u1eb7c sau thu\u1ebf.<\/i><\/p>\n

N\u1ebfu \u0111\u00f3ng g\u00f3p \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1eb1ng ti\u1ec1n m\u00e0 m\u1ed9t c\u00e1 nh\u00e2n \u0111\u00e3 n\u1ed9p thu\u1ebf, th\u00ec \u0111\u00f3 \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 \u0111\u00f3ng g\u00f3p sau thu\u1ebf. \u0110\u00f3ng g\u00f3p sau thu\u1ebf c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c n\u1ed9p th\u00eam sau khi th\u1ef1c hi\u1ec7n \u0111\u00f3ng tr\u01b0\u1edbc thu\u1ebf.<\/p>\n

Nhi\u1ec1u nh\u00e0 \u0111\u1ea7u t\u01b0 th\u00edch suy ngh\u0129 kh\u00f4ng ph\u1ea3i tr\u1ea3 thu\u1ebf cho ph\u1ea7n ti\u1ec1n g\u1ed1c khi h\u1ecd r\u00fat ti\u1ec1n t\u1eeb kho\u1ea3n \u0111\u1ea7u t\u01b0. Tuy nhi\u00ean, \u0111\u00f3ng g\u00f3p sau thu\u1ebf s\u1ebd c\u00f3 \u00fd ngh\u0129a nh\u1ea5t n\u1ebfu thu\u1ebf su\u1ea5t d\u1ef1 ki\u1ebfn s\u1ebd cao h\u01a1n trong t\u01b0\u01a1ng lai.<\/i><\/p>\n

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

\n \u0110\u00f3ng g\u00f3p h\u01b0u tr\u00ed (ti\u1ebfng Anh: Retirement Contribution) l\u00e0 \u0111\u00f3ng g\u00f3p b\u1eb1ng ti\u1ec1n cho k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u.\n <\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[416],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/27755"}],"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=27755"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/27755\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=27755"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=27755"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=27755"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}