{"id":29897,"date":"2023-12-07T08:46:35","date_gmt":"2023-12-07T08:46:35","guid":{"rendered":"https:\/\/masterskills.org\/blog\/tai-khoan-rieng-le-separate-account-la-gi-cac-loai-tai-khoan-rieng-le.html"},"modified":"2023-12-23T06:10:59","modified_gmt":"2023-12-22T23:10:59","slug":"tai-khoan-rieng-le-separate-account-la-gi-cac-loai-tai-khoan-rieng-le","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/tai-khoan-rieng-le-separate-account-la-gi-cac-loai-tai-khoan-rieng-le.html","title":{"rendered":"T\u00e0i kho\u1ea3n ri\u00eang l\u1ebb (Separate Account) l\u00e0 g\u00ec? C\u00e1c lo\u1ea1i T\u00e0i kho\u1ea3n ri\u00eang l\u1ebb"},"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: Investopedia<\/p>\n<\/figcaption><\/figure>\n<h2><font style=\"line-height: 22px; font-size: 22px;\" color=\"#3d85c6\">T\u00e0i kho\u1ea3n ri\u00eang l\u1ebb<\/font><\/h2>\n<p><b>Kha\u0301i ni\u00ea\u0323m<\/b><\/p>\n<p><b>T\u00e0i kho\u1ea3n ri\u00eang l\u1ebb<\/b> trong ti\u00ea\u0301ng Anh la\u0300 <b>Separate Account.<\/b><\/p>\n<p><b>T\u00e0i kho\u1ea3n ri\u00eang l\u1ebb<\/b> l\u00e0 m\u1ed9t\u00a0danh m\u1ee5c \u0111\u1ea7u t\u01b0\u00a0thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a m\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0, v\u00e0 \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed b\u1edfi m\u1ed9t c\u00f4ng ty \u0111\u1ea7u t\u01b0 chuy\u00ean nghi\u1ec7p. Ph\u1ea7n l\u1edbn c\u00e1c t\u00e0i kho\u1ea3n ri\u00eang l\u1ebb \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed b\u1edfi c\u00e1c c\u1ed1 v\u1ea5n \u0111\u1ea7u t\u01b0 \u0111\u00e3 \u0111\u0103ng k\u00ed (RIA).\u00a0<\/p>\n<p>M\u1eb7c d\u00f9 c\u00e1c t\u00e0i kho\u1ea3n ri\u00eang l\u1ebb th\u01b0\u1eddng \u0111\u01b0\u1ee3c m\u1edf th\u00f4ng qua m\u1ed9t\u00a0nh\u00e0 m\u00f4i gi\u1edbi\u00a0ho\u1eb7c c\u1ed1 v\u1ea5n t\u00e0i ch\u00ednh, ch\u00fang c\u0169ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c gi\u1eef t\u1ea1i m\u1ed9t ng\u00e2n h\u00e0ng ho\u1eb7c \u0111\u01b0\u1ee3c m\u1edf v\u1edbi m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m.     \u00a0\u00a0<\/p>\n<p><i>\u0110\u00f4i khi c\u00e1c t\u00e0i kho\u1ea3n n\u00e0y \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 t\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed ri\u00eang (SMA) ho\u1eb7c t\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed c\u00e1 nh\u00e2n.  \u00a0\u00a0<\/i><\/p>\n<h3><font style=\"line-height: 22px; font-size: 22px;\" color=\"#3d85c6\">\u0110\u1eb7c \u0111i\u1ec3m T\u00e0i kho\u1ea3n ri\u00eang l\u1ebb<\/font><\/h3>\n<p><b>T\u00e0i kho\u1ea3n ri\u00eang l\u1ebb <\/b>th\u01b0\u1eddng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng b\u1edfi c\u00e1c\u00a0nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n\u00a0gi\u00e0u c\u00f3, th\u01b0\u1eddng l\u00e0 ng\u01b0\u1eddi c\u00f3 ng\u00e2n s\u00e1ch \u00edt nh\u1ea5t 6 con s\u1ed1 \u0111\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0 mu\u1ed1n h\u1ee3p t\u00e1c v\u1edbi m\u1ed9t nh\u00e0 qu\u1ea3n l\u00ed ti\u1ec1n chuy\u00ean nghi\u1ec7p, nh\u1eb1m t\u1eadp trung v\u00e0o m\u1ed9t ho\u1eb7c nhi\u1ec1u m\u1ee5c ti\u00eau \u0111\u1ea7u t\u01b0.<\/p>\n<p><i>Nh\u00ecn chung, kho\u1ea3n \u0111\u1ea7u t\u01b0 t\u1ed1i thi\u1ec3u c\u1ea7n thi\u1ebft \u0111\u1ec3 m\u1edf m\u1ed9t t\u00e0i kho\u1ea3n ri\u00eang l\u00e0 100.000 USD tr\u1edf l\u00ean.  \u00a0\u00a0<\/i><\/p>\n<p>C\u00e1c nh\u00e0 qu\u1ea3n l\u00ed ti\u1ec1n cung c\u1ea5p cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 chi\u1ebfn l\u01b0\u1ee3c theo m\u1ee5c ti\u00eau \u0111\u00e3 \u0111\u1eb7t ra, cho t\u00e0i s\u1ea3n trong t\u00e0i kho\u1ea3n ri\u00eang l\u1ebb c\u1ee7a kh\u00e1ch h\u00e0ng.   Trong m\u1ed9t t\u00e0i kho\u1ea3n ri\u00eang l\u1ebb, ti\u1ec1n kh\u00f4ng \u0111\u01b0\u1ee3c g\u1ed9p chung v\u1edbi c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 kh\u00e1c nh\u01b0 trong c\u00e1c\u00a0qu\u0129 t\u01b0\u01a1ng h\u1ed7.\u00a0<\/p>\n<p><i>C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 ch\u1ecdn t\u1eeb m\u1ed9t lo\u1ea1t ph\u01b0\u01a1ng ph\u00e1p ti\u1ebfp c\u1eadn \u0111\u1ec3 t\u1ea1o ra m\u1ed9t danh m\u1ee5c \u0111\u1ea7u t\u01b0 h\u01b0\u1edbng \u0111\u1ebfn\u00a0<\/i>m\u1ee5c ti\u00eau \u0111\u1ea7u t\u01b0<i>\u00a0c\u00e1 nh\u00e2n c\u1ee7a m\u00ecnh.  \u00a0\u00a0<\/i><\/p>\n<p>M\u1ed9t c\u1ed1 v\u1ea5n \u0111\u1ea7u t\u01b0 \u0111\u00e3 \u0111\u0103ng k\u00ed (RIA) ho\u1eb7c ng\u01b0\u1eddi qu\u1ea3n l\u00ed danh m\u1ee5c \u0111\u1ea7u t\u01b0, s\u1ebd ch\u1ecbu tr\u00e1ch nhi\u1ec7m \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 h\u00e0ng ng\u00e0y. Th\u00f4ng th\u01b0\u1eddng, c\u00e1c quy\u1ebft \u0111\u1ecbnh n\u00e0y \u0111\u1ec1u \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1edfi c\u00e1c chuy\u00ean gia ph\u00e2n t\u00edch.\u00a0<\/p>\n<p>T\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed n\u00f3i chung, l\u00e0 m\u1ed9t t\u00e0i kho\u1ea3n \u0111\u1ea7u t\u01b0 thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a m\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0, c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t\u00a0nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1ed5 ch\u1ee9c\u00a0ho\u1eb7c m\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n. H\u1ecd thu\u00ea m\u1ed9t ng\u01b0\u1eddi qu\u1ea3n l\u00ed ti\u1ec1n chuy\u00ean nghi\u1ec7p \u0111\u1ec3 gi\u00e1m s\u00e1t t\u00e0i kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a h\u1ecd.\u00a0<\/p>\n<p>C\u00f3 quy\u1ec1n h\u1ea1n t\u00f9y \u00fd \u0111\u1ed1i v\u1edbi t\u00e0i kho\u1ea3n, ng\u01b0\u1eddi qu\u1ea3n l\u00ed s\u1ebd ch\u1ee7 \u0111\u1ed9ng \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 ph\u00f9 h\u1ee3p v\u1edbi t\u1eebng kh\u00e1ch h\u00e0ng, d\u1ef1a tr\u00ean nhu c\u1ea7u v\u00e0 m\u1ee5c ti\u00eau, kh\u1ea3 n\u0103ng ch\u1ecbu r\u1ee7i ro v\u00e0 qui m\u00f4 t\u00e0i s\u1ea3n.   C\u00e1c t\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed nh\u01b0 SMA mang l\u1ea1i nhi\u1ec1u l\u1ee3i \u00edch cho nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3\u00a0gi\u00e1 tr\u1ecb r\u00f2ng\u00a0cao.  \u00a0\u00a0<\/p>\n<p>Khi xem x\u00e9t c\u00f3 n\u00ean m\u1edf m\u1ed9t t\u00e0i kho\u1ea3n ri\u00eang l\u1ebb hay kh\u00f4ng, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 n\u00ean n\u1eafm \u0111\u01b0\u1ee3c c\u1ea5u tr\u00fac c\u00e1c lo\u1ea1i ph\u00ed c\u1ee7a c\u00e1c nh\u00e0 qu\u1ea3n l\u00ed ti\u1ec1n chuy\u00ean nghi\u1ec7p v\u00ec ch\u00fang c\u00f3 th\u1ec3 r\u1ea5t t\u1ed1n k\u00e9m.<\/p>\n<p><i>Ph\u00ed c\u1ee7a RIA v\u00e0 ng\u01b0\u1eddi qu\u1ea3n l\u00ed danh m\u1ee5c \u0111\u1ea7u t\u01b0 th\u01b0\u1eddng dao \u0111\u1ed9ng t\u1eeb 1% \u0111\u1ebfn 3% t\u00e0i s\u1ea3n thu\u1ed9c quy\u1ec1n qu\u1ea3n l\u00ed.  \u00a0\u00a0<\/i><\/p>\n<h3><font style=\"line-height: 22px; font-size: 22px;\" color=\"#3d85c6\">C\u00e1c lo\u1ea1i T\u00e0i kho\u1ea3n ri\u00eang l\u1ebb<\/font><\/h3>\n<p><i>\u00a0&#8211; C\u00e1c s\u1ea3n ph\u1ea9m \u0111\u1ea7u t\u01b0 b\u1ea3o hi\u1ec3m\u00a0<\/i><\/p>\n<p>C\u00e1c<b> t\u00e0i kho\u1ea3n ri\u00eang l\u1ebb <\/b>c\u0169ng c\u00f3 s\u1eb5n cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 th\u00f4ng qua c\u00e1c\u00a0c\u00f4ng ty b\u1ea3o hi\u1ec3m. C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p c\u00e1c s\u1ea3n ph\u1ea9m \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c gi\u1eef ri\u00eang bi\u1ec7t v\u1edbi c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 b\u1ea3o hi\u1ec3m g\u1ed9p chung kh\u00e1c.  \u00a0<\/p>\n<p>V\u00ed d\u1ee5 nh\u01b0 m\u1ed9t\u00a0ni\u00ean kim\u00a0l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh.   Khi mua m\u1ed9t ni\u00ean kim c\u1ed1 \u0111\u1ecbnh, c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u1ea7u t\u01b0 ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 cung c\u1ea5p cho h\u1ecd m\u1ed9t kho\u1ea3n ho\u00e0n tr\u1ea3 \u0111\u1ecbnh k\u00ec c\u1ed1 \u0111\u1ecbnh v\u00e0 \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o.   \u00a0\u00a0<\/p>\n<p><i>\u00a0&#8211; T\u00e0i kho\u1ea3n ri\u00eang l\u1ebb c\u00e1 nh\u00e2n\u00a0<\/i><\/p>\n<p>C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n c\u00f3 th\u1ec3 m\u1edf nhi\u1ec1u lo\u1ea1i t\u00e0i kho\u1ea3n kh\u00e1c nhau trong v\u1eabn \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed nh\u01b0 m\u1ed9t t\u00e0i kho\u1ea3n ri\u00eang l\u1ebb.   Nhi\u1ec1u nh\u00e0 m\u00f4i gi\u1edbi cung c\u1ea5p c\u00e1c t\u00e0i kho\u1ea3n giao d\u1ecbch t\u1ef1 \u0111\u1ecbnh h\u01b0\u1edbng \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed th\u00f4ng qua c\u00e1c n\u1ec1n t\u1ea3ng tr\u1ef1c tuy\u1ebfn.\u00a0<\/p>\n<p>T\u00e0i kho\u1ea3n h\u01b0u tr\u00ed c\u00e1 nh\u00e2n\u00a0(IRA) l\u00e0 t\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed ri\u00eang, \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng b\u1edfi c\u00e1c c\u00e1 nh\u00e2n \u0111\u1ec3 ti\u1ebft ki\u1ec7m cho ngh\u1ec9 h\u01b0u.\u00a0<\/p>\n<p>T\u00e0i kho\u1ea3n giao d\u1ecbch v\u00e0 t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c gi\u1eef t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng \u0111\u01b0\u1ee3c coi l\u00e0 t\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed ri\u00eang hay <b>t\u00e0i kho\u1ea3n ri\u00eang l\u1ebb<\/b>.\u00a0 \u00a0<\/p>\n<p>(Theo Investopedia)<\/p>\n<p>\u00a0<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<div class=\"vnbcbc-sapo\" data-role=\"sapo\">\n                            T\u00e0i kho\u1ea3n ri\u00eang l\u1ebb (ti\u1ebfng Anh: Separate Account) l\u00e0 m\u1ed9t danh m\u1ee5c \u0111\u1ea7u t\u01b0 thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a m\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0, v\u00e0 \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed b\u1edfi m\u1ed9t c\u00f4ng ty \u0111\u1ea7u t\u01b0 chuy\u00ean nghi\u1ec7p.\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\/29897"}],"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=29897"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/29897\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=29897"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=29897"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=29897"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}