{"id":29709,"date":"2023-12-07T08:36:30","date_gmt":"2023-12-07T08:36:30","guid":{"rendered":"https:\/\/masterskills.org\/blog\/tai-khoan-duoc-quan-li-thong-nhat-unified-managed-account-uma-la-gi-dac-diem.html"},"modified":"2023-12-23T06:10:20","modified_gmt":"2023-12-22T23:10:20","slug":"tai-khoan-duoc-quan-li-thong-nhat-unified-managed-account-uma-la-gi-dac-diem","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/tai-khoan-duoc-quan-li-thong-nhat-unified-managed-account-uma-la-gi-dac-diem.html","title":{"rendered":"T\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed th\u1ed1ng nh\u1ea5t (Unified Managed Account &#8211; UMA) l\u00e0 g\u00ec? \u0110\u1eb7c \u0111i\u1ec3m"},"content":{"rendered":"<div class=\"vnbcbc-body vceditor-content wi-active\" data-role=\"content\">\n<figure class=\"VCSortableInPreviewMode\" type=\"Photo\" style=\"\">\n<div><\/div><figcaption class=\"PhotoCMS_Caption\">\n<p data-placeholder=\"[nh\u1eadp ch\u00fa th\u00edch]\">Hi\u0300nh minh ho\u0323a. Ngu\u00f4\u0300n: Shutterstock<\/p>\n<\/figcaption><\/figure>\n<h2><font style=\"line-height: 22px; font-size: 22px;\" color=\"#3d85c6\">T\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed th\u1ed1ng nh\u1ea5t<\/font><\/h2>\n<p><b>Kha\u0301i ni\u00ea\u0323m<\/b><\/p>\n<p><b>T\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed th\u1ed1ng nh\u1ea5t<\/b> trong ti\u00ea\u0301ng Anh la\u0300 <b>Unified Managed Account, <\/b>vi\u1ebft t\u1eaft l\u00e0\u00a0<b>UMA.<\/b><\/p>\n<p><b>T\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed th\u1ed1ng nh\u1ea5t (UMA)<\/b> l\u00e0 t\u00e0i kho\u1ea3n \u0111\u1ea7u t\u01b0 t\u01b0 nh\u00e2n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed chuy\u00ean nghi\u1ec7p, bao g\u1ed3m nhi\u1ec1u lo\u1ea1i \u0111\u1ea7u t\u01b0 trong c\u00f9ng m\u1ed9t t\u00e0i kho\u1ea3n duy nh\u1ea5t.   C\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 trong t\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed th\u1ed1ng nh\u1ea5t c\u00f3 th\u1ec3 bao g\u1ed3m c\u00e1c\u00a0qu\u0129 t\u01b0\u01a1ng h\u1ed7, c\u1ed5 phi\u1ebfu, tr\u00e1i phi\u1ebfu v\u00e0 c\u00e1c qu\u0129 ho\u00e1n \u0111\u1ed5i danh m\u1ee5c.\u00a0<\/p>\n<p><i>C\u00e1c t\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed th\u1ed1ng nh\u1ea5t th\u01b0\u1eddng \u0111\u01b0\u1ee3c t\u00e1i c\u00e2n b\u1eb1ng l\u1ea1i theo m\u1ed9t l\u1ecbch tr\u00ecnh c\u1ee5 th\u1ec3.\u00a0 \u00a0 \u00a0\u00a0<\/i><\/p>\n<h3><font style=\"line-height: 22px; font-size: 22px;\" color=\"#3d85c6\">\u0110\u1eb7c \u0111i\u1ec3m T\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed th\u1ed1ng nh\u1ea5t\u00a0<\/font><\/h3>\n<p><b>T\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed th\u1ed1ng nh\u1ea5t (UMA) <\/b>l\u00e0 m\u1ed9t trong nh\u1eefng l\u1ef1a ch\u1ecdn m\u00e0 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao c\u00f3 th\u1ec3 ch\u1ecdn \u0111\u1ec3\u00a0qu\u1ea3n l\u00ed t\u00e0i s\u1ea3n\u00a0c\u1ee7a m\u00ecnh.\u00a0<\/p>\n<p>T\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed th\u1ed1ng nh\u1ea5t l\u00e0 m\u1ed9t d\u1ea1ng n\u00e2ng cao c\u1ee7a t\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed ri\u00eang (SMA) \u1edf ch\u1ed7 n\u00f3 c\u0169ng l\u00e0 m\u1ed9t t\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed chuy\u00ean nghi\u1ec7p v\u00e0 th\u01b0\u1eddng \u0111\u01b0\u1ee3c t\u00e1i c\u00e2n b\u1eb1ng l\u1ea1i th\u01b0\u1eddng xuy\u00ean.\u00a0<\/p>\n<p>Tuy nhi\u00ean, c\u00e1c t\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed ri\u00eang th\u01b0\u1eddng kh\u00f4ng g\u1ed9p nhi\u1ec1u ph\u01b0\u01a1ng ti\u1ec7n \u0111\u1ea7u t\u01b0 v\u00e0 c\u00e1c m\u1ee5c ti\u00eau \u0111\u1ea7u t\u01b0 kh\u00e1c nhau l\u1ea1i v\u1edbi nhau. N\u1ebfu m\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0 mu\u1ed1n \u0111\u1ea7u t\u01b0 v\u1edbi nhi\u1ec1u chi\u1ebfn l\u01b0\u1ee3c, h\u1ecd s\u1ebd ph\u1ea3i m\u1edf nhi\u1ec1u t\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed ri\u00eang m\u1ed9t l\u00fac.  \u00a0  \u00a0\u00a0<\/p>\n<p>T\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed th\u1ed1ng nh\u1ea5t th\u01b0\u1eddng l\u00e0 l\u1ef1a ch\u1ecdn thay th\u1ebf t\u1ed1t h\u01a1n cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111ang t\u00ecm c\u00e1ch k\u1ebft h\u1ee3p nhi\u1ec1u kho\u1ea3n \u0111\u1ea7u t\u01b0.  T\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed th\u1ed1ng nh\u1ea5t (UMA) lo\u1ea1i b\u1ecf qu\u00e1 tr\u00ecnh m\u1edf nhi\u1ec1u t\u00e0i kho\u1ea3n \u0111\u1ec3 ph\u1ee5c v\u1ee5 c\u00e1c m\u1ee5c ti\u00eau v\u00e0 chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 kh\u00e1c nhau, \u0111\u1ed3ng th\u1eddi cho ph\u00e9p nh\u00e0 \u0111\u1ea7u t\u01b0 k\u1ebft h\u1ee3p t\u1ea5t c\u1ea3 t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh v\u00e0o m\u1ed9t t\u00e0i kho\u1ea3n duy nh\u1ea5t.<\/p>\n<h3><font style=\"line-height: 22px; font-size: 22px;\" color=\"#3d85c6\">\u0110\u1ea7u t\u01b0 th\u00f4ng qua T\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed th\u1ed1ng nh\u1ea5t\u00a0<\/font><\/h3>\n<p>C\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty m\u00f4i gi\u1edbi th\u01b0\u1eddng cung c\u1ea5p c\u00e1c<b> t\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed th\u1ed1ng nh\u1ea5t <\/b>d\u01b0\u1edbi h\u00ecnh th\u1ee9c c\u00e1c t\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed ri\u00eang.   C\u00e1c nh\u00e0\u00a0c\u1ed1 v\u1ea5n \u0111\u1ea7u t\u01b0\u00a0v\u00e0 c\u00e1c nh\u00e0 qu\u1ea3n l\u00ed t\u00e0i s\u1ea3n t\u01b0 nh\u00e2n c\u0169ng c\u00f3 th\u1ec3 cung c\u1ea5p t\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed th\u1ed1ng nh\u1ea5t cho kh\u00e1ch h\u00e0ng, th\u00f4ng qua s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00f4ng ngh\u1ec7.\u00a0<\/p>\n<p>Nh\u00e0 cung c\u1ea5p t\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed th\u1ed1ng nh\u1ea5t c\u00f3 tr\u00e1ch nhi\u1ec7m \u1ee7y th\u00e1c t\u1ed5ng quan l\u1edbn h\u01a1n nhi\u1ec1u so v\u1edbi t\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed ri\u00eang, v\u00ec h\u1ecd ph\u1ea3i gi\u00e1m s\u00e1t cho nhi\u1ec1u d\u1ea1ng \u0111\u1ea7u t\u01b0 h\u01a1n.  V\u00ed d\u1ee5 nh\u01b0 c\u00e1c v\u1ecb th\u1ebf c\u1ed5 phi\u1ebfu, c\u00e1c\u00a0k\u1ebf ho\u1ea1ch s\u1edf h\u1eefu c\u1ed5 phi\u1ebfu c\u1ee7a nh\u00e2n vi\u00ean, qu\u1ea3n l\u00ed t\u00e0i kho\u1ea3n ri\u00eang c\u1ee7a b\u00ean th\u1ee9 ba,&#8230;  \u00a0\u00a0<\/p>\n<p>C\u00e1c nh\u00e0 cung c\u1ea5p t\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed th\u1ed1ng nh\u1ea5t (UMA) l\u00e0m vi\u1ec7c v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao \u0111\u1ec3 t\u00edch h\u1ee3p t\u1ea5t c\u1ea3 c\u00e1c t\u00e0i s\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng.  Khi c\u00e1c t\u00e0i s\u1ea3n \u0111\u00e3 \u0111\u01b0\u1ee3c t\u1ed5ng h\u1ee3p, nh\u00e0 cung c\u1ea5p UMA s\u1ebd l\u00e0m vi\u1ec7c v\u1edbi kh\u00e1ch h\u00e0ng theo m\u1ed9t s\u1ed1 c\u00e1ch nh\u01b0 sau.<\/p>\n<p>\u00a0&#8211; Nh\u00e0 cung c\u1ea5p UMA c\u00f3 th\u1ec3 ki\u1ec3m tra t\u1ed5ng danh m\u1ee5c \u0111\u1ea7u t\u01b0 v\u00e0 x\u00e2y d\u1ef1ng m\u1ed9t k\u1ebf ho\u1ea1ch \u0111\u1ea7u t\u01b0 to\u00e0n di\u1ec7n.   L\u1eadp k\u1ebf ho\u1ea1ch \u0111\u1ea7u t\u01b0 cho c\u00e1c t\u00e0i kho\u1ea3n UMA c\u00f3 th\u1ec3 bao g\u1ed3m chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 ch\u1ed3ng ch\u00e9o nh\u1eb1m qu\u1ea3n l\u00ed danh m\u1ee5c \u0111\u1ea7u t\u01b0 theo h\u01b0\u1edbng \u0111a d\u1ea1ng h\u00f3a ph\u00e2n b\u1ed5 t\u00e0i s\u1ea3n d\u1ef1a tr\u00ean m\u1ee5c ti\u00eau ch\u1ec9 \u0111\u1ecbnh s\u1eb5n.\u00a0<\/p>\n<p>\u00a0&#8211; C\u00e1c nh\u00e0 cung c\u1ea5p <b>t\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed th\u1ed1ng nh\u1ea5t (UMA) <\/b>c\u0169ng cung c\u1ea5p cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1c l\u1ef1a ch\u1ecdn kh\u00e1c t\u1eeb c\u00e1c c\u00f4ng ty hay c\u00e1c s\u1ea3n ph\u1ea9m li\u00ean k\u1ebft m\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 mu\u1ed1n \u0111\u1ea7u t\u01b0 theo th\u1eddi gian.  \u00a0<\/p>\n<p>Th\u00f4ng th\u01b0\u1eddng, nh\u00e0 cung c\u1ea5p UMA s\u1ebd ph\u00e2n t\u00edch danh m\u1ee5c \u0111\u1ea7u t\u01b0 sao cho ph\u00f9 h\u1ee3p v\u1edbi l\u00ed thuy\u1ebft danh m\u1ee5c \u0111\u1ea7u t\u01b0 hi\u1ec7n \u0111\u1ea1i\u00a0\u0111\u1ec3 t\u1ea1o ra m\u1ed9t danh m\u1ee5c \u0111\u1ea7u t\u01b0 t\u1ed1i \u01b0u nh\u1ea5t.   C\u00e1c l\u1ef1a ch\u1ecdn thay th\u1ebf c\u1ee7a nh\u00e0 cung c\u1ea5p UMA c\u00f3 th\u1ec3 gi\u00fap kh\u00e1ch h\u00e0ng \u0111i\u1ec1u ch\u1ec9nh danh m\u1ee5c \u0111\u1ea7u t\u01b0 t\u1ed5ng th\u1ec3 nh\u1eb1m t\u1ed1i \u01b0u h\u00f3a t\u1ed1t h\u01a1n l\u1ee3i nhu\u1eadn c\u1ee7a h\u1ecd.  \u00a0\u00a0<\/p>\n<p>\u00a0&#8211; C\u00e1c nh\u00e0 cung c\u1ea5p UMA c\u0169ng cung c\u1ea5p cho kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao c\u00e1c b\u1ea3n b\u00e1o c\u00e1o v\u1ec1 c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a h\u1ecd v\u1edbi c\u00e1c k\u1ebf ho\u1ea1ch \u0111\u1ed1i ph\u00f3 v\u1edbi ti\u1ec1n thu\u1ebf.\u00a0<\/p>\n<p>\u00a0&#8211; C\u00e1c nh\u00e0 cung c\u1ea5p UMA c\u0169ng l\u00e0m vi\u1ec7c v\u1edbi kh\u00e1ch h\u00e0ng \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh l\u1ecbch t\u00e1i c\u00e2n b\u1eb1ng t\u1ec9 tr\u1ecdng danh m\u1ee5c sao cho ph\u00f9 h\u1ee3p v\u1edbi chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 t\u1ed5ng th\u1ec3 c\u1ee7a h\u1ecd.  \u00a0\u00a0<\/p>\n<p>C\u00e1c ti\u00eau chu\u1ea9n c\u1ee7a t\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed th\u1ed1ng nh\u1ea5t (UMA) kh\u00e1c nhau ph\u1ee5 thu\u1ed9c v\u00e0o nh\u00e0 cung c\u1ea5p, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 th\u01b0\u1eddng s\u1ebd k\u00ed m\u1ed9t th\u1ecfa thu\u1eadn chi ti\u1ebft v\u1ec1 vi\u1ec7c qu\u1ea3n l\u00ed t\u00e0i kho\u1ea3n, c\u00e1c lo\u1ea1i ph\u00ed v\u00e0 c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u0169ng nh\u01b0 c\u1ea5u tr\u00fac c\u1ee7a t\u00e0i kho\u1ea3n \u0111\u00f3.\u00a0<\/p>\n<p style=\"text-align: left;\">C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 <b>UMA <\/b>th\u01b0\u1eddng tr\u1ea3 ph\u00ed qu\u1ea3n l\u00ed\u00a0h\u00e0ng n\u0103m d\u1ef1a tr\u00ean t\u1ed5ng s\u1ed1 t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed. Ph\u00ed n\u00e0y th\u01b0\u1eddng gi\u1ea3m xu\u1ed1ng khi gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed cao h\u01a1n v\u00e0 c\u00f3 th\u1ec3 dao \u0111\u1ed9ng t\u1eeb 1,50% \u0111\u1ebfn 3% h\u00e0ng n\u0103m.\u00a0 \u00a0<\/p>\n<p>(Theo <i>Investopedia<\/i>)<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<div class=\"vnbcbc-sapo\" data-role=\"sapo\">\n                            T\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed th\u1ed1ng nh\u1ea5t (ti\u1ebfng Anh: Unified Managed Account, vi\u1ebft t\u1eaft: UMA) l\u00e0 t\u00e0i kho\u1ea3n \u0111\u1ea7u t\u01b0 t\u01b0 nh\u00e2n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed chuy\u00ean nghi\u1ec7p, bao g\u1ed3m nhi\u1ec1u lo\u1ea1i \u0111\u1ea7u t\u01b0 trong c\u00f9ng m\u1ed9t t\u00e0i kho\u1ea3n duy nh\u1ea5t.\n                        <\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[417],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/29709"}],"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=29709"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/29709\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=29709"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=29709"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=29709"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}