{"id":30054,"date":"2023-12-07T08:54:39","date_gmt":"2023-12-07T08:54:39","guid":{"rendered":"https:\/\/masterskills.org\/blog\/loi-suat-chiet-khau-discount-yield-la-gi-khac-biet-giua-loi-suat-chiet-khau-va-loi-suat-lich-luy.html"},"modified":"2023-12-23T06:11:27","modified_gmt":"2023-12-22T23:11:27","slug":"loi-suat-chiet-khau-discount-yield-la-gi-khac-biet-giua-loi-suat-chiet-khau-va-loi-suat-lich-luy","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/loi-suat-chiet-khau-discount-yield-la-gi-khac-biet-giua-loi-suat-chiet-khau-va-loi-suat-lich-luy.html","title":{"rendered":"L\u1ee3i su\u1ea5t chi\u1ebft kh\u1ea5u (Discount Yield) l\u00e0 g\u00ec? Kh\u00e1c bi\u1ec7t gi\u1eefa L\u1ee3i su\u1ea5t chi\u1ebft kh\u1ea5u v\u00e0 L\u1ee3i su\u1ea5t l\u00edch l\u0169y"},"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\">L\u1ee3i su\u1ea5t chi\u1ebft kh\u1ea5u<\/font><\/h2>\n<p><b>Kha\u0301i ni\u00ea\u0323m<\/b><\/p>\n<p><b>L\u1ee3i su\u1ea5t chi\u1ebft kh\u1ea5u <\/b>trong ti\u00ea\u0301ng Anh la\u0300<b> Discount Yield.<\/b><\/p>\n<p><b>L\u1ee3i su\u1ea5t chi\u1ebft kh\u1ea5u<\/b> l\u00e0 l\u1ee3i su\u1ea5t c\u1ee7a tr\u00e1i phi\u1ebfu \u0111\u01b0\u1ee3c b\u00e1n v\u1edbi gi\u00e1 chi\u1ebft kh\u1ea5u so v\u1edbi m\u1ec7nh gi\u00e1 c\u1ee7a n\u00f3, \u0111\u01b0\u1ee3c bi\u1ec3u th\u1ecb b\u1eb1ng ph\u1ea7n tr\u0103m.\u00a0<\/p>\n<p>L\u1ee3i su\u1ea5t chi\u1ebft kh\u1ea5u th\u01b0\u1eddng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 t\u00ednh l\u1ee3i su\u1ea5t c\u1ee7a c\u00e1c\u00a0tr\u00e1i phi\u1ebfu \u0111\u00f4 th\u1ecb\u00a0trung h\u1ea1n, th\u01b0\u01a1ng phi\u1ebfu v\u00e0 t\u00edn phi\u1ebfu kho b\u1ea1c \u0111\u01b0\u1ee3c b\u00e1n v\u1edbi gi\u00e1 chi\u1ebft kh\u1ea5u.  \u00a0\u00a0<\/p>\n<p>C\u00f4ng th\u1ee9c t\u00ednh l\u1ee3i su\u1ea5t chi\u1ebft kh\u1ea5u l\u00e0:  \u00a0\u00a0<\/p>\n<figure class=\"VCSortableInPreviewMode noCaption\" type=\"Photo\" style=\"\">\n<div><\/div><figcaption class=\"PhotoCMS_Caption\">\n<p data-placeholder=\"[Nh\u1eadp ch\u00fa th\u00edch \u1ea3nh]\" class=\"NLPlaceholderShow\">\n<\/figcaption><\/figure>\n<p>C\u00f4ng th\u1ee9c gi\u1ea3 \u0111\u1ecbnh 1 th\u00e1ng c\u00f3 30 ng\u00e0y v\u00e0 1 n\u0103m c\u00f3 360 ng\u00e0y \u0111\u1ec3 \u0111\u01a1n gi\u1ea3n h\u00f3a vi\u1ec7c t\u00ednh to\u00e1n.  \u00a0  \u00a0\u00a0<\/p>\n<h3><font style=\"line-height: 22px; font-size: 22px;\" color=\"#3d85c6\">\u0110\u1eb7c \u0111i\u1ec3m L\u1ee3i su\u1ea5t chi\u1ebft kh\u1ea5u\u00a0<\/font><\/h3>\n<p><b>L\u1ee3i su\u1ea5t chi\u1ebft kh\u1ea5u <\/b>t\u00ednh to\u00e1n\u00a0t\u1ec9 l\u1ec7 ho\u00e0n v\u1ed1n\u00a0(ROI) c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 s\u1edf h\u1eefu tr\u00e1i phi\u1ebfu chi\u1ebft kh\u1ea5u, n\u1ebfu tr\u00e1i phi\u1ebfu \u0111\u01b0\u1ee3c gi\u1eef cho \u0111\u1ebfn khi \u0111\u00e1o h\u1ea1n.   \u00a0  \u00a0\u00a0<\/p>\n<p><i>N\u1ebfu ch\u1ee9ng kho\u00e1n \u0111\u01b0\u1ee3c b\u00e1n tr\u01b0\u1edbc ng\u00e0y \u0111\u00e1o h\u1ea1n, t\u1ec9 l\u1ec7 l\u1ee3i nhu\u1eadn m\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 ki\u1ebfm \u0111\u01b0\u1ee3c l\u00e0 thay \u0111\u1ed5i, l\u00fac \u0111\u00f3 t\u1ec9 l\u1ec7 ho\u00e0n v\u1ed1n m\u1edbi s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh \u0111\u01b0\u1ee3c d\u1ef1a tr\u00ean gi\u00e1 b\u00e1n ch\u1ee9ng kho\u00e1n.\u00a0<\/i><\/p>\n<p>V\u00ed d\u1ee5, n\u1ebfu tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p 1.000 USD \u0111\u01b0\u1ee3c mua v\u1edbi gi\u00e1 920 USD, sau \u0111\u00f3 \u0111\u01b0\u1ee3c b\u00e1n v\u1edbi gi\u00e1 1,100 USD sau 5 n\u0103m k\u1ec3 t\u1eeb ng\u00e0y mua.\u00a0<\/p>\n<p>Nh\u00e0 \u0111\u1ea7u t\u01b0 ph\u1ea3i x\u00e1c \u0111\u1ecbnh m\u1ee9c chi\u1ebft kh\u1ea5u c\u1ee7a tr\u00e1i phi\u1ebfu tr\u01b0\u1edbc khi b\u00e1n, so s\u00e1nh v\u1edbi m\u1ee9c gi\u00e1 b\u00e1n 1,100 USD \u0111\u1ec3 t\u00ednh xem c\u00f3 l\u00e3i hay kh\u00f4ng, v\u00e0 n\u1ebfu c\u00f3 th\u00ec l\u00e3i l\u00e0 bao nhi\u00eau.  \u00a0\u00a0<\/p>\n<p>Tr\u00e1i phi\u1ebfu kh\u00f4ng tr\u1ea3 l\u00e3i l\u00e0 m\u1ed9t v\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh v\u1ec1\u00a0tr\u00e1i phi\u1ebfu chi\u1ebft kh\u1ea5u.\u00a0<\/p>\n<p>T\u00f9y thu\u1ed9c v\u00e0o kho\u1ea3ng th\u1eddi gian c\u00f2n l\u1ea1i cho \u0111\u1ebfn khi \u0111\u00e1o h\u1ea1n,\u00a0tr\u00e1i phi\u1ebfu kh\u00f4ng tr\u1ea3 l\u00e3i\u00a0c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh v\u1edbi m\u1ee9c chi\u1ebft kh\u1ea5u \u0111\u00e1ng k\u1ec3, \u0111\u00f4i khi c\u00f3 th\u1ec3n l\u00ean 20% ho\u1eb7c h\u01a1n.\u00a0<\/p>\n<p>B\u1edfi v\u00ec tr\u00e1i phi\u1ebfu s\u1ebd lu\u00f4n \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 \u0111\u1ea7y \u0111\u1ee7 m\u1ec7nh gi\u00e1 khi \u0111\u00e1o h\u1ea1n n\u1ebfu kh\u00f4ng c\u00f3 s\u1ef1 c\u1ed1 t\u00edn d\u1ee5ng n\u00e0o x\u1ea3y ra, tr\u00e1i phi\u1ebfu kh\u00f4ng tr\u1ea3 l\u00e3i s\u1ebd kh\u00f4ng t\u0103ng gi\u00e1 khi c\u00e0ng \u0111\u1ebfn g\u1ea7n ng\u00e0y \u0111\u00e1o h\u1ea1n.\u00a0  <\/p>\n<p>Lo\u1ea1i tr\u00e1i phi\u1ebfu n\u00e0y kh\u00f4ng th\u1ef1c hi\u1ec7n c\u00e1c kho\u1ea3n thanh to\u00e1n l\u00e3i \u0111\u1ecbnh k\u00ec m\u00e0 s\u1ebd ch\u1ec9 th\u1ef1c hi\u1ec7n m\u1ed9t kho\u1ea3n thanh to\u00e1n b\u1eb1ng v\u1edbi m\u1ec7nh gi\u00e1 cho\u00a0tr\u00e1i ch\u1ee7\u00a0khi \u0111\u00e1o h\u1ea1n.  \u00a0\u00a0<\/p>\n<h3><font style=\"line-height: 22px; font-size: 22px;\" color=\"#3d85c6\">V\u00ed d\u1ee5 v\u1ec1 L\u1ee3i su\u1ea5t chi\u1ebft kh\u1ea5u\u00a0<\/font><\/h3>\n<p>Gi\u1ea3 s\u1eed r\u1eb1ng m\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0 mua\u00a0t\u00edn phi\u1ebfu kho b\u1ea1c\u00a010.000 USD v\u1edbi m\u1ee9c chi\u1ebft kh\u1ea5u 300 USD so v\u1edbi m\u1ec7nh gi\u00e1 (gi\u00e1 mua l\u00e0 9.700 USD).\u00a0<\/p>\n<p>\u0110\u01b0\u1ee3c bi\u1ebft ch\u1ee9ng kho\u00e1n s\u1ebd \u0111\u00e1o h\u1ea1n sau 120 ng\u00e0y n\u1eefa.   Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, <b>l\u1ee3i su\u1ea5t chi\u1ebft kh\u1ea5u <\/b>s\u1ebd b\u1eb1ng:\u00a0<\/p>\n<p>L\u1ee3i su\u1ea5t chi\u1ebft kh\u1ea5u = [(10.000 &#8211; 300) \/ 10.000] * 360\/120 = 9%.  \u00a0\u00a0<\/p>\n<h3><font style=\"line-height: 22px; font-size: 22px;\" color=\"#3d85c6\">S\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa L\u1ee3i su\u1ea5t chi\u1ebft kh\u1ea5u v\u00e0 L\u1ee3i su\u1ea5t l\u00edch l\u0169y\u00a0<\/font><\/h3>\n<p>Ch\u1ee9ng kho\u00e1n \u0111\u01b0\u1ee3c b\u00e1n v\u1edbi gi\u00e1 chi\u1ebft kh\u1ea5u s\u1eed d\u1ee5ng<b> l\u1ee3i su\u1ea5t chi\u1ebft kh\u1ea5u<\/b> \u0111\u1ec3 t\u00ednh t\u1ec9 su\u1ea5t l\u1ee3i nhu\u1eadn c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0.   Ph\u01b0\u01a1ng ph\u00e1p n\u00e0y kh\u00e1c v\u1edbi l\u1ee3i su\u1ea5t t\u00edch l\u0169y tr\u00e1i phi\u1ebfu.\u00a0<\/p>\n<p>Tr\u00e1i phi\u1ebfu s\u1eed d\u1ee5ng l\u1ee3i su\u1ea5t l\u00edch l\u0169y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh b\u1eb1ng v\u1edbi m\u1ec7nh gi\u00e1, t\u1ea1i\u00a0m\u1ee9c chi\u1ebft kh\u1ea5u\u00a0ho\u1eb7c\u00a0m\u1ee9c ph\u1ea7n b\u00f9.  L\u1ee3i su\u1ea5t l\u00edch l\u0169y s\u1ebd chuy\u1ec3n s\u1ed1 ti\u1ec1n chi\u1ebft kh\u1ea5u v\u00e0o thu nh\u1eadp tr\u00e1i phi\u1ebfu trong su\u1ed1t th\u1eddi gian c\u00f2n l\u1ea1i c\u1ee7a tr\u00e1i phi\u1ebfu.  \u00a0<\/p>\n<p>V\u00ed d\u1ee5, m\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0 mua m\u1ed9t\u00a0tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p\u00a0tr\u1ecb gi\u00e1 1.000 USD v\u1edbi gi\u00e1 920 USD s\u1ebd \u0111\u00e1o h\u1ea1n trong 10 n\u0103m.\u00a0<\/p>\n<p>V\u00ec nh\u00e0 \u0111\u1ea7u t\u01b0 nh\u1eadn \u0111\u01b0\u1ee3c 1.000 USD khi \u0111\u00e1o h\u1ea1n, kho\u1ea3n chi\u1ebft kh\u1ea5u 80 USD l\u00e0 thu nh\u1eadp t\u1eeb tr\u00e1i phi\u1ebfu c\u1ee7a tr\u00e1i ch\u1ee7, c\u00f9ng v\u1edbi c\u00e1c kho\u1ea3n ti\u1ec1n l\u00e3i ki\u1ebfm \u0111\u01b0\u1ee3c t\u1eeb tr\u00e1i phi\u1ebfu.\u00a0<\/p>\n<p>L\u1ee3i su\u1ea5t t\u00edch l\u0169y tr\u00e1i phi\u1ebfu c\u00f3 ngh\u0129a l\u00e0 kho\u1ea3n chi\u1ebft kh\u1ea5u 80 USD n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c c\u1ed9ng v\u00e0o thu nh\u1eadp tr\u00e1i phi\u1ebfu trong 10 n\u0103m t\u1edbi c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0.  \u00a0 <\/p>\n<p>(Theo Investopedia)<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<div class=\"vnbcbc-sapo\" data-role=\"sapo\">\n                            L\u1ee3i su\u1ea5t chi\u1ebft kh\u1ea5u (ti\u1ebfng Anh: Discount Yield) l\u00e0 l\u1ee3i su\u1ea5t c\u1ee7a tr\u00e1i phi\u1ebfu \u0111\u01b0\u1ee3c b\u00e1n v\u1edbi gi\u00e1 chi\u1ebft kh\u1ea5u so v\u1edbi m\u1ec7nh gi\u00e1 c\u1ee7a n\u00f3, \u0111\u01b0\u1ee3c bi\u1ec3u th\u1ecb b\u1eb1ng ph\u1ea7n tr\u0103m.\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\/30054"}],"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=30054"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/30054\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=30054"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=30054"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=30054"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}