{"id":29824,"date":"2023-12-07T08:43:04","date_gmt":"2023-12-07T08:43:04","guid":{"rendered":"https:\/\/masterskills.org\/blog\/loi-suat-binh-quan-thoi-gian-song-yield-to-average-life-la-gi-dac-diem.html"},"modified":"2023-12-07T08:43:04","modified_gmt":"2023-12-07T08:43:04","slug":"loi-suat-binh-quan-thoi-gian-song-yield-to-average-life-la-gi-dac-diem","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/loi-suat-binh-quan-thoi-gian-song-yield-to-average-life-la-gi-dac-diem.html","title":{"rendered":"L\u1ee3i su\u1ea5t b\u00ecnh qu\u00e2n th\u1eddi gian s\u1ed1ng (Yield To Average Life) l\u00e0 g\u00ec? \u0110\u1eb7c \u0111i\u1ec3m"},"content":{"rendered":"
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\"L\u1ee3i<\/div>
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Hi\u0300nh minh ho\u0323a. Ngu\u00f4\u0300n: Investopedia<\/p>\n<\/figcaption><\/figure>\n

L\u1ee3i su\u1ea5t b\u00ecnh qu\u00e2n th\u1eddi gian s\u1ed1ng<\/font><\/h2>\n

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

L\u1ee3i su\u1ea5t b\u00ecnh qu\u00e2n th\u1eddi gian s\u1ed1ng<\/b> trong ti\u00ea\u0301ng Anh la\u0300 Yield To Average Life.<\/b><\/p>\n

L\u1ee3i su\u1ea5t b\u00ecnh qu\u00e2n th\u1eddi gian s\u1ed1ng<\/b> l\u00e0 ph\u00e9p t\u00ednh l\u1ee3i su\u1ea5t\u00a0c\u1ee7a m\u1ed9t tr\u00e1i phi\u1ebfu c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c thu h\u1ed3i ho\u1eb7c mua l\u1ea1i trong su\u1ed1t v\u00f2ng \u0111\u1eddi c\u1ee7a n\u00f3.\u00a0<\/p>\n

C\u00e1c nh\u00e0 qu\u1ea3n l\u00ed \u0111\u01b0\u1ee3c \u1ee7y th\u00e1c cho m\u1ed9t\u00a0qu\u0129 ch\u00ecm\u00a0tr\u00e1i phi\u1ebfu s\u1ebd s\u1eed d\u1ee5ng l\u1ee3i su\u1ea5t b\u00ecnh qu\u00e2n th\u1eddi gian s\u1ed1ng \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh xem li\u1ec7u c\u00f3 n\u00ean mua l\u1ea1i m\u1ed9t s\u1ed1 tr\u00e1i phi\u1ebfu tr\u00ean th\u1ecb tr\u01b0\u1eddng m\u1edf hay kh\u00f4ng. \u00a0 \u00a0 \u00a0\u00a0<\/p>\n

\u0110\u1eb7c \u0111i\u1ec3m L\u1ee3i su\u1ea5t b\u00ecnh qu\u00e2n th\u1eddi gian s\u1ed1ng<\/font><\/h3>\n

L\u1ee3i su\u1ea5t b\u00ecnh qu\u00e2n th\u1eddi gian s\u1ed1ng <\/b>cho ph\u00e9p nh\u00e0 \u0111\u1ea7u t\u01b0 \u01b0\u1edbc t\u00ednh l\u1ee3i nhu\u1eadn th\u1ef1c t\u1ebf t\u1eeb kho\u1ea3n \u0111\u1ea7u t\u01b0 tr\u00e1i phi\u1ebfu, b\u1ea5t k\u1ec3\u00a0ng\u00e0y \u0111\u00e1o h\u1ea1n\u00a0ch\u00ednh x\u00e1c c\u1ee7a tr\u00e1i phi\u1ebfu l\u00e0 ng\u00e0y n\u00e0o.\u00a0<\/p>\n

L\u1ee3i su\u1ea5t b\u00ecnh qu\u00e2n th\u1eddi gian s\u1ed1ng gi\u1ea3 \u0111\u1ecbnh r\u1eb1ng tr\u00e1i phi\u1ebfu \u0111\u00e1o h\u1ea1n v\u00e0o ng\u00e0y n\u00f3 \u0111\u1ea1t tu\u1ed5i th\u1ecd trung b\u00ecnh \u1edf m\u1ed9t m\u1ee9c gi\u00e1 mua l\u1ea1i trung b\u00ecnh, thay v\u00ec b\u1eb1ng v\u1edbi m\u1ec7nh gi\u00e1.\u00a0<\/p>\n

L\u1ee3i su\u1ea5t b\u00ecnh qu\u00e2n th\u1eddi gian s\u1ed1ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c t\u00ednh to\u00e1n v\u1edbi c\u00f9ng c\u00f4ng th\u1ee9c nh\u01b0\u00a0<\/i>l\u1ee3i su\u1ea5t \u0111\u00e1o h\u1ea1n\u00a0v\u00e0 ch\u1ec9 thay th\u1ebf th\u1eddi gian \u0111\u00e1o h\u1ea1n tr\u00e1i phi\u1ebfu b\u1eb1ng tu\u1ed5i th\u1ecd trung b\u00ecnh c\u1ee7a n\u00f3. \u00a0\u00a0<\/i><\/p>\n

L\u1ee3i su\u1ea5t b\u00ecnh qu\u00e2n th\u1eddi gian s\u1ed1ng x\u00e1c \u0111\u1ecbnh kho\u1ea3ng th\u1eddi gian c\u1ea7n thi\u1ebft \u0111\u1ec3 ph\u1ee5c h\u1ed3i m\u1ed9t n\u1eeda gi\u00e1 tr\u1ecb\u00a0m\u1ec7nh gi\u00e1\u00a0tr\u00e1i phi\u1ebfu. Tr\u00e1i phi\u1ebfu c\u00f3 kho\u1ea3n ho\u00e0n tr\u1ea3 g\u1ed1c nhanh h\u01a1n s\u1ebd c\u00f3 r\u1ee7i ro v\u1ee1 n\u1ee3 th\u1ea5p h\u01a1n, v\u00e0 cho ph\u00e9p tr\u00e1i ch\u1ee7 t\u00e1i \u0111\u1ea7u t\u01b0 ti\u1ec1n c\u1ee7a h\u1ecd s\u1edbm h\u01a1n.\u00a0<\/p>\n

T\u00e1i \u0111\u1ea7u t\u01b0 nhanh h\u01a1n c\u00f3 th\u1ec3 l\u00e0 t\u1ed1t ho\u1eb7c x\u1ea5u, t\u00f9y thu\u1ed9c v\u00e0o h\u01b0\u1edbng l\u00e3i su\u1ea5t d\u1ecbch chuy\u1ec3n k\u1ec3 t\u1eeb khi nh\u00e0 \u0111\u1ea7u t\u01b0 mua tr\u00e1i phi\u1ebfu. \u00a0\u00a0<\/i><\/p>\n

L\u1ee3i su\u1ea5t b\u00ecnh qu\u00e2n th\u1eddi gian s\u1ed1ng v\u00e0 Ch\u1ee9ng kho\u00e1n \u0111\u1ea3m b\u1ea3o b\u1eb1ng th\u1ebf ch\u1ea5p\u00a0<\/font><\/h3>\n

L\u1ee3i su\u1ea5t b\u00ecnh qu\u00e2n th\u1eddi gian s\u1ed1ng<\/b> cho ph\u00e9p c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 x\u00e1c \u0111\u1ecbnh l\u1ee3i nhu\u1eadn k\u00ec v\u1ecdng c\u1ee7a\u00a0ch\u1ee9ng kho\u00e1n \u0111\u1ea3m b\u1ea3o b\u1eb1ng th\u1ebf ch\u1ea5p (MBS)\u00a0do n\u00f3 c\u00f3 kho\u1ea3n tr\u1ea3 tr\u01b0\u1edbc c\u1ee7a kho\u1ea3n n\u1ee3 th\u1ebf ch\u1ea5p c\u01a1 b\u1ea3n.\u00a0<\/p>\n

S\u1ed1 li\u1ec7u n\u00e0y r\u1ea5t h\u1eefu \u00edch trong vi\u1ec7c \u0111\u1ecbnh gi\u00e1 MBS, ch\u1eb3ng h\u1ea1n nh\u01b0 c\u00e1c\u00a0ngh\u0129a v\u1ee5 n\u1ee3 c\u1ea7m c\u1ed1 th\u1ebf ch\u1ea5p\u00a0(CMO) do c\u00e1c c\u01a1 quan cho vay th\u1ebf ch\u1ea5p mua nh\u00e0 v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh n\u1ee3 t\u01b0 nh\u00e2n kh\u00e1c. \u00a0\u00a0<\/p>\n

M\u1ed9t MBS th\u01b0\u1eddng ho\u00e0n tr\u1ea3 ti\u1ec1n g\u1ed1c trong su\u1ed1t v\u00f2ng \u0111\u1eddi c\u1ee7a kho\u1ea3n \u0111\u1ea7u t\u01b0. T\u00f9y thu\u1ed9c v\u00e0o vi\u1ec7c MBS \u0111\u01b0\u1ee3c mua v\u1edbi\u00a0gi\u00e1 chi\u1ebft kh\u1ea5u\u00a0hay ph\u1ea7n b\u00f9, kho\u1ea3n thanh to\u00e1n ti\u1ec1n g\u1ed1c c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn l\u1ee3i nhu\u1eadn d\u1ef1 ki\u1ebfn c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0.<\/p>\n

Th\u1ecb tr\u01b0\u1eddng \u0111ang c\u00f3 l\u00e3i su\u1ea5t gi\u1ea3m th\u01b0\u1eddng s\u1ebd d\u1eabn \u0111\u1ebfn vi\u1ec7c c\u00e1c ch\u1ee7 nh\u00e0 ph\u1ea3i t\u00e1i c\u1ea5p v\u1ed1n. Trong qu\u00e1 tr\u00ecnh t\u00e1i c\u1ea5p v\u1ed1n, kho\u1ea3n vay c\u0169 \u0111\u01b0\u1ee3c thanh to\u00e1n nh\u01b0 m\u1ed9t kho\u1ea3n vay m\u1edbi v\u1edbi c\u00e1c kho\u1ea3n thanh to\u00e1n l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n.\u00a0 \u00a0<\/i><\/p>\n

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

\n L\u1ee3i su\u1ea5t b\u00ecnh qu\u00e2n th\u1eddi gian s\u1ed1ng (ti\u1ebfng Anh: Yield To Average Life) l\u00e0 ph\u00e9p t\u00ednh l\u1ee3i su\u1ea5t c\u1ee7a m\u1ed9t tr\u00e1i phi\u1ebfu c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c thu h\u1ed3i ho\u1eb7c mua l\u1ea1i trong su\u1ed1t v\u00f2ng \u0111\u1eddi c\u1ee7a n\u00f3.\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\/29824"}],"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=29824"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/29824\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=29824"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=29824"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=29824"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}