{"id":29805,"date":"2023-12-07T08:41:44","date_gmt":"2023-12-07T08:41:44","guid":{"rendered":"https:\/\/masterskills.org\/blog\/nien-kim-thi-truong-thu-cap-secondary-market-annuity-sma-la-gi-dac-diem.html"},"modified":"2023-12-23T06:10:36","modified_gmt":"2023-12-22T23:10:36","slug":"nien-kim-thi-truong-thu-cap-secondary-market-annuity-sma-la-gi-dac-diem","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/nien-kim-thi-truong-thu-cap-secondary-market-annuity-sma-la-gi-dac-diem.html","title":{"rendered":"Ni\u00ean kim th\u1ecb tr\u01b0\u1eddng th\u1ee9 c\u1ea5p (Secondary Market Annuity – SMA) l\u00e0 g\u00ec? \u0110\u1eb7c \u0111i\u1ec3m"},"content":{"rendered":"
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Hi\u0300nh minh ho\u0323a. Ngu\u00f4\u0300n: Investopedia<\/p>\n<\/figcaption><\/figure>\n

Ni\u00ean kim th\u1ecb tr\u01b0\u1eddng th\u1ee9 c\u1ea5p<\/font><\/h2>\n

Kha\u0301i ni\u00ea\u0323m<\/b><\/p>\n

Ni\u00ean kim th\u1ecb tr\u01b0\u1eddng th\u1ee9 c\u1ea5p<\/b> trong ti\u00ea\u0301ng Anh la\u0300 Secondary Market Annuity – SMA.<\/b><\/p>\n

Ni\u00ean kim th\u1ecb tr\u01b0\u1eddng th\u1ee9 c\u1ea5p (SMA)<\/b> l\u00e0 m\u1ed9t giao d\u1ecbch trong \u0111\u00f3 ch\u1ee7 s\u1edf h\u1eefu hi\u1ec7n t\u1ea1i c\u1ee7a m\u1ed9t\u00a0ni\u00ean kim\u00a0thu nh\u1eadp, trao \u0111\u1ed5i c\u00e1c kho\u1ea3n thanh to\u00e1n thu nh\u1eadp trong t\u01b0\u01a1ng lai c\u1ee7a m\u00ecnh \u0111\u1ec3 \u0111\u1ed5i l\u1ea1i m\u1ed9t kho\u1ea3n thanh to\u00e1n m\u1ed9t l\u1ea7n. \u00a0<\/p>\n

\u0110\u1eb7c \u0111i\u1ec3m Ni\u00ean kim th\u1ecb tr\u01b0\u1eddng th\u1ee9 c\u1ea5p\u00a0<\/font><\/h3>\n

N\u1ebfu s\u1edf h\u1eefu m\u1ed9t ni\u00ean kim, c\u00f3 ngh\u0129a l\u00e0 b\u1ea1n s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c c\u00e1c kho\u1ea3n thanh to\u00e1n h\u00e0ng n\u0103m t\u1eeb t\u1ed5 ch\u1ee9c c\u1ea5p, th\u01b0\u1eddng l\u00e0 cho \u0111\u1ebfn h\u1ebft \u0111\u1eddi. V\u00ed d\u1ee5 v\u1ec1 c\u00e1c d\u00f2ng thu nh\u1eadp ni\u00ean kim bao g\u1ed3m:\u00a0<\/p>\n

\u00a0–\u00a0Ti\u1ec1n b\u1ea3o hi\u1ec3m.<\/p>\n

\u00a0– C\u00e1c kho\u1ea3n thanh to\u00e1n ti\u1ec1n tr\u00fang s\u1ed5 s\u1ed1.\u00a0<\/p>\n

\u00a0– Ti\u1ec1n d\u00e0n x\u1ebfp, h\u00f2a gi\u1ea3i c\u00e1c v\u1ee5 ki\u1ec7n t\u1ee5ng.\u00a0<\/p>\n

\u00a0– Ti\u1ec1n di ch\u00fac.\u00a0<\/p>\n

T\u00f9y thu\u1ed9c v\u00e0o b\u1ed1i c\u1ea3nh, c\u00e1c kho\u1ea3n thanh to\u00e1n ni\u00ean kim c\u00f3 th\u1ec3 s\u1ebd kh\u00f4ng c\u00f2n l\u00ed t\u01b0\u1edfng \u0111\u1ed1i v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0 trong v\u00e0i n\u0103m, v\u00ec v\u1eady h\u1ecd c\u00f3 th\u1ec3 quy\u1ebft \u0111\u1ecbnh b\u00e1n ni\u00ean kim c\u1ee7a m\u00ecnh v\u1edbi m\u1ed9t m\u1ee9c\u00a0gi\u00e1 c\u1ed1 \u0111\u1ecbnh.\u00a0<\/p>\n

C\u00e1c c\u00e1c giao d\u1ecbch n\u00e0y \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 ni\u00ean kim th\u1ecb tr\u01b0\u1eddng th\u1ee9 c\u1ea5p<\/b>. \u0110\u1ee9ng tr\u00ean quan \u0111i\u1ec3m c\u1ee7a ng\u01b0\u1eddi mua, c\u00e1c ni\u00ean kim th\u1ecb tr\u01b0\u1eddng th\u1ee9 c\u1ea5p c\u00f3 xu h\u01b0\u1edbng c\u00f3 l\u00e3i su\u1ea5t cao v\u00e0 r\u1ee7i ro th\u1ea5p, v\u00ec v\u1eady, ch\u00fang l\u00e0 m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n t\u1ed1t.\u00a0<\/p>\n

Ng\u01b0\u1eddi mua ni\u00ean kim th\u1ecb tr\u01b0\u1eddng th\u1ee9 c\u1ea5p c\u1ea7n c\u00f3 t\u00e0i ch\u00ednh \u1ed5n \u0111\u1ecbnh \u0111\u1ec3 c\u00f3 th\u1ec3 \u0111\u1ea7u t\u01b0 m\u1ed9t s\u1ed1 ti\u1ec1n l\u1edbn m\u1ed9t l\u1ea7n m\u00e0 kh\u00f4ng c\u00f3 l\u1ef1a ch\u1ecdn quay \u0111\u1ea7u. \u00a0\u00a0 <\/p>\n

Giao d\u1ecbch Ni\u00ean kim th\u1ecb tr\u01b0\u1eddng th\u1ee9 c\u1ea5p\u00a0<\/font><\/h3>\n

Ni\u00ean kim th\u1ecb tr\u01b0\u1eddng th\u1ee9 c\u1ea5p<\/b> th\u01b0\u1eddng \u0111\u01b0\u1ee3c mua t\u1eeb ch\u1ee7 s\u1edf h\u1eefu ban \u0111\u1ea7u th\u00f4ng qua s\u1ef1 can thi\u1ec7p c\u1ee7a m\u1ed9t s\u1ed1 c\u00e1c lo\u1ea1i\u00a0trung gian t\u00e0i ch\u00ednh. Ni\u00ean kim th\u1ecb tr\u01b0\u1eddng th\u1ee9 c\u1ea5p th\u01b0\u1eddng \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh b\u1edfi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 x\u1ebfp h\u1ea1ng t\u00edn d\u1ee5ng, hay c\u00e1c t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh c\u1ee7a c\u00e1c ni\u00ean kim c\u01a1 s\u1edf. \u00a0\u00a0<\/p>\n

M\u1ed9t ng\u01b0\u1eddi mua ni\u00ean kim th\u1ecb tr\u01b0\u1eddng th\u1ee9 c\u1ea5p c\u00f3 th\u1ec3 mong \u0111\u1ee3i nh\u1eadn \u0111\u01b0\u1ee3c c\u00e1c kho\u1ea3n thanh to\u00e1n h\u00e0ng n\u0103m v\u1edbi m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t t\u00f9y thu\u1ed9c v\u00e0o c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a ni\u00ean kim.\u00a0<\/i><\/p>\n

So v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m ni\u00ean kim t\u01b0\u01a1ng t\u1ef1, l\u1ee3i su\u1ea5t tr\u00ean c\u00e1c ni\u00ean kim th\u1ecb tr\u01b0\u1eddng th\u1ee9 c\u1ea5p th\u01b0\u1eddng cao h\u01a1n v\u00ec ch\u00fang \u0111\u01b0\u1ee3c b\u00e1n v\u1edbi m\u1ee9c gi\u00e1\u00a0chi\u1ebft kh\u1ea5u\u00a0\u0111\u1ec3 ng\u01b0\u1eddi mua c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n tr\u01b0\u1edbc kho\u1ea3n thanh to\u00e1n m\u1ed9t l\u1ea7n.\u00a0<\/p>\n

Th\u1eddi h\u1ea1n \u0111i\u1ec3n h\u00ecnh cho c\u00e1c ni\u00ean kim th\u1ecb tr\u01b0\u1eddng th\u1ee9 c\u1ea5p dao \u0111\u1ed9ng t\u1eeb 5 n\u0103m \u0111\u1ebfn 20 n\u0103m, nh\u01b0ng ch\u00fang c\u0169ng c\u00f3 th\u1ec3 c\u00f3 th\u1eddi h\u1ea1n ng\u1eafn h\u01a1n t\u1eeb 1 n\u0103m ho\u1eb7c d\u00e0i h\u01a1n l\u00ean \u0111\u1ebfn 35 n\u0103m.\u00a0 <\/p>\n

C\u00e1c ni\u00ean kim th\u1ecb tr\u01b0\u1eddng th\u1ee9 c\u1ea5p<\/b> tr\u00ec ho\u00e3n ng\u00e0y b\u1eaft \u0111\u1ea7u hay \u0111\u01b0\u1ee3c k\u00e9o d\u00e0i th\u1eddi h\u1ea1n \u00e1p d\u1ee5ng th\u01b0\u1eddng c\u00f3 l\u1ee3i su\u1ea5t r\u1ea5t cao. \u00a0\u00a0<\/p>\n

Sau khi kho\u1ea3n\u00a0thanh to\u00e1n m\u1ed9t l\u1ea7n\u00a0\u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n, ng\u01b0\u1eddi mua ni\u00ean kim th\u1ecb tr\u01b0\u1eddng th\u1ee9 c\u1ea5p s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c c\u00e1c kho\u1ea3n thanh to\u00e1n t\u1eeb c\u00f4ng ty b\u1ea3o hi\u1ec3m ho\u1eb7c c\u00e1c t\u1ed5 ch\u1ee9c kh\u00e1c ph\u00e1t h\u00e0nh ni\u00ean kim g\u1ed1c. Ni\u00ean kim s\u1ebd v\u1eabn \u0111\u01b0\u1ee3c tr\u1ea3 nh\u01b0 tr\u01b0\u1edbc khi giao d\u1ecbch x\u1ea3y ra, nh\u01b0ng ch\u1ec9 thay \u0111\u1ed5i ng\u01b0\u1eddi nh\u1eadn.\u00a0 \u00a0<\/p>\n

C\u00e1c c\u00e2n nh\u1eafc khi mua Ni\u00ean kim th\u1ecb tr\u01b0\u1eddng th\u1ee9 c\u1ea5p\u00a0<\/font><\/h3>\n

Th\u00f4ng th\u01b0\u1eddng, ni\u00ean kim th\u1ecb tr\u01b0\u1eddng th\u1ee9 c\u1ea5p <\/b>kh\u00f4ng th\u1ec3 \u0111\u01b0\u1ee3c b\u00e1n v\u00e0 ng\u01b0\u1eddi mua ph\u1ea3i gi\u1eef n\u00f3 trong su\u1ed1t th\u1eddi h\u1ea1n c\u1ee7a h\u1ee3p \u0111\u1ed3ng.\u00a0<\/p>\n

Ng\u01b0\u1eddi mua kh\u00f4ng th\u1ec3 r\u00fat kho\u1ea3n thanh to\u00e1n \u0111\u1ecbnh k\u00ec tr\u01b0\u1edbc th\u1eddi h\u1ea1n. Ngo\u00e0i ra, v\u1eabn c\u00f2n m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 quan li\u00eau khi\u1ebfn cho c\u00e1c ni\u00ean kim th\u1ecb tr\u01b0\u1eddng th\u1ee9 c\u1ea5p kh\u00f4ng \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn b\u00e1n, do \u0111\u00f3, ng\u01b0\u1eddi mua c\u00f3 th\u1ec3 m\u1ea5t nhi\u1ec1u th\u1eddi gian h\u01a1n d\u1ef1 ki\u1ebfn \u0111\u1ec3 s\u1edf h\u1eefu ni\u00ean kim th\u1ecb tr\u01b0\u1eddng th\u1ee9 c\u1ea5p v\u00e0 b\u1eaft \u0111\u1ea7u nh\u1eadn c\u00e1c kho\u1ea3n thanh to\u00e1n h\u00e0ng n\u0103m.\u00a0 \u00a0<\/p>\n

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

\n Ni\u00ean kim th\u1ecb tr\u01b0\u1eddng th\u1ee9 c\u1ea5p (ti\u1ebfng Anh: Secondary Market Annuity – SMA) l\u00e0 m\u1ed9t giao d\u1ecbch trong \u0111\u00f3 ch\u1ee7 s\u1edf h\u1eefu hi\u1ec7n t\u1ea1i c\u1ee7a m\u1ed9t ni\u00ean kim thu nh\u1eadp, trao \u0111\u1ed5i c\u00e1c kho\u1ea3n thanh to\u00e1n thu nh\u1eadp trong t\u01b0\u01a1ng lai c\u1ee7a m\u00ecnh \u0111\u1ec3 \u0111\u1ed5i l\u1ea1i m\u1ed9t kho\u1ea3n thanh to\u00e1n m\u1ed9t l\u1ea7n.\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\/29805"}],"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=29805"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/29805\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=29805"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=29805"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=29805"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}