{"id":30111,"date":"2023-12-07T08:57:55","date_gmt":"2023-12-07T08:57:55","guid":{"rendered":"https:\/\/masterskills.org\/blog\/phi-mua-lai-redemption-fee-la-gi.html"},"modified":"2023-12-23T06:11:45","modified_gmt":"2023-12-22T23:11:45","slug":"phi-mua-lai-redemption-fee-la-gi","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/phi-mua-lai-redemption-fee-la-gi.html","title":{"rendered":"Ph\u00ed mua l\u1ea1i (Redemption Fee) l\u00e0 g\u00ec?"},"content":{"rendered":"
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H\u00ecnh minh h\u1ecda. Ngu\u1ed3n: www.kiplinger.com<\/p>\n<\/figcaption><\/figure>\n

Ph\u00ed mua l\u1ea1i<\/font><\/h2>\n

Kh\u00e1i ni\u1ec7m<\/b><\/p>\n

Ph\u00ed mua l\u1ea1i trong ti\u1ebfng Anh l\u00e0 Redemption Fee<\/b>.<\/p>\n

Ph\u00ed mua l\u1ea1i<\/b> l\u00e0 m\u1ed9t kho\u1ea3n ph\u00ed m\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 ph\u1ea3i ch\u1ecbu khi h\u1ecd b\u00e1n c\u1ed5 ph\u1ea7n c\u1ee7a qu\u0129. Ph\u00ed n\u00e0y \u0111\u01b0\u1ee3c t\u00ednh b\u1edfi c\u00f4ng ty qu\u1ea3n l\u00ed qu\u0129 v\u00e0 c\u00f3 th\u1eddi h\u1ea1n trong m\u1ed9t kho\u1ea3ng th\u1eddi gian nh\u1ea5t \u0111\u1ecbnh.<\/p>\n

Ph\u00ed mua l\u1ea1i c\u0169ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 ph\u00ed tho\u00e1t kh\u1ecfi qu\u0129<\/b><\/i> (exit fee), ph\u00ed giao d\u1ecbch theo chi\u1ebfn l\u01b0\u1ee3c\u00a0ch\u1ecdn \u0111\u00fang th\u1eddi \u0111i\u1ec3m th\u1ecb tr\u01b0\u1eddng<\/b><\/i>\u00a0(market timing fee) ho\u1eb7c ph\u00ed giao d\u1ecbch ng\u1eafn h\u1ea1n<\/b><\/i> (short-term trading fee).\u00a0<\/p>\n

N\u1ed9i dung<\/font><\/h3>\n

Ph\u00ed mua l\u1ea1i th\u01b0\u1eddng \u0111\u01b0\u1ee3c li\u00ean quan \u0111\u1ebfn qu\u0129 t\u01b0\u01a1ng h\u1ed7. Khi m\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0 b\u00e1n c\u1ed5 ph\u1ea7n c\u1ee7a qu\u0129, c\u00f4ng ty \u0111\u00f3 s\u1ebd t\u00ednh ph\u00ed mua l\u1ea1i. C\u00e1c qu\u0129 t\u01b0\u01a1ng h\u1ed7 th\u01b0\u1eddng l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n v\u00e0 ch\u00fang th\u01b0\u1eddng kh\u00f4ng d\u00e0nh cho giao d\u1ecbch ng\u1eafn h\u1ea1n ho\u1eb7c c\u00e1c giao d\u1ecbch theo chi\u1ebfn l\u01b0\u1ee3c ch\u1ecdn \u0111\u00fang th\u1eddi \u0111i\u1ec3m.<\/p>\n

Ngo\u00e0i ra, ch\u00fang \u0111\u01b0\u1ee3c t\u00ednh t\u01b0\u01a1ng \u1ee9ng v\u1edbi s\u1ed1 ti\u1ec1n h\u1ecd \u0111\u1ea7u t\u01b0 n\u00ean s\u1ebd t\u1ea1o ra s\u1ef1 c\u00f4ng b\u1eb1ng li\u00ean quan \u0111\u1ebfn kho\u1ea3n ph\u00ed n\u00e0y gi\u1eefa c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0.<\/p>\n

\u0110\u1ec3 ng\u0103n ch\u1eb7n giao d\u1ecbch ng\u1eafn h\u1ea1n, c\u00e1c c\u00f4ng ty qu\u0129 th\u01b0\u1eddng s\u1ebd t\u00ednh ph\u00ed mua l\u1ea1i trong m\u1ed9t kho\u1ea3ng th\u1eddi gian x\u00e1c \u0111\u1ecbnh. H\u1ea7u h\u1ebft c\u00e1c c\u00f4ng ty th\u01b0\u1eddng s\u1eed d\u1ee5ng khung th\u1eddi gian l\u00e0 30 ng\u00e0y. N\u1ebfu m\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0 tho\u00e1t kh\u1ecfi qu\u0129 trong v\u00f2ng 30 ng\u00e0y k\u1ec3 t\u1eeb l\u1ea7n mua \u0111\u1ea7u ti\u00ean c\u1ee7a h\u1ecd th\u00ec c\u00f3 th\u1ec3 ph\u1ea3i tr\u1ea3 ph\u00ed mua l\u1ea1i.<\/p>\n

Ph\u00ed mua l\u1ea1i v\u00e0 ph\u00ed r\u00fat v\u1ed1n (Back-End Sales Loads)\u00a0<\/font><\/h3>\n

Ph\u00ed r\u00fat v\u1ed1n<\/b><\/p>\n

Ph\u00ed r\u00fat v\u1ed1n \u0111\u01b0\u1ee3c tr\u1ea3 cho c\u00e1c trung gian v\u00e0 kh\u00f4ng t\u00ednh v\u00e0o chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng c\u1ee7a qu\u0129. C\u00e1c kho\u1ea3n ph\u00ed n\u00e0y c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t kho\u1ea3n ph\u00ed ph\u1ea7n tr\u0103m c\u1ed1 \u0111\u1ecbnh theo ph\u1ea7n tr\u0103m t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c giao d\u1ecbch (trung b\u00ecnh kho\u1ea3ng 1%). Ph\u00ed r\u00fat v\u1ed1n c\u00f3 hi\u1ec7u l\u1ef1c trong su\u1ed1t th\u1eddi gian n\u1eafm gi\u1eef kho\u1ea3n \u0111\u1ea7u t\u01b0.<\/p>\n

Ph\u00ed r\u00fat v\u1ed1n th\u01b0\u1eddng c\u00f3 \u1edf c\u00e1c qu\u0129 cung c\u1ea5p c\u00e1c l\u1edbp c\u1ed5 ph\u1ea7n (share classes) kh\u00e1c nhau.\u00a0C\u1ed5 ph\u1ea7n lo\u1ea1i A\u00a0th\u01b0\u1eddng t\u00ednh\u00a0ph\u00ed gia nh\u1eadp\u00a0(front-end load), trong khi c\u1ed5 phi\u1ebfu lo\u1ea1i B v\u00e0 lo\u1ea1i C th\u01b0\u1eddng ph\u1ea3i t\u00ednh ph\u00ed r\u00fat v\u1ed1n. V\u1ec1 b\u1ea3n ch\u1ea5t, \u0111\u00e2y l\u00e0 ph\u00ed hoa h\u1ed3ng, tr\u00e1i ng\u01b0\u1ee3c v\u1edbi c\u00e1c qu\u0129 kh\u00f4ng m\u1ea5t ph\u00ed b\u00e1n (no-load fund).<\/p>\n

Ph\u00ed mua l\u1ea1i<\/b><\/p>\n

Ph\u00ed mua l\u1ea1i kh\u00e1c v\u1edbi ph\u00ed r\u00fat v\u1ed1n v\u00ec ch\u00fang \u0111\u01b0\u1ee3c t\u00ednh v\u00e0o chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng h\u00e0ng n\u0103m c\u1ee7a qu\u0129. C\u00e1c qu\u0129 t\u01b0\u01a1ng h\u1ed7 th\u01b0\u1eddng t\u00ednh ph\u00ed mua l\u1ea1i v\u00e0o bi\u1ec3u ph\u00ed c\u1ee7a h\u1ecd \u0111\u1ec3 gi\u1ea3m thi\u1ec3u giao d\u1ecbch ng\u1eafn h\u1ea1n.<\/p>\n

Ph\u00ed mua l\u1ea1i th\u01b0\u1eddng ch\u1ec9 c\u00f3 hi\u1ec7u l\u1ef1c trong m\u1ed9t kho\u1ea3ng th\u1eddi gian x\u00e1c \u0111\u1ecbnh, c\u00f3 th\u1ec3 dao \u0111\u1ed9ng t\u1eeb ba th\u00e1ng \u0111\u1ebfn kho\u1ea3ng m\u1ed9t n\u0103m.<\/p>\n

Ph\u00ed mua l\u1ea1i \u0111\u1ec3 h\u1ea1n ch\u1ebf nh\u00e0 \u0111\u1ea7u t\u01b0 giao d\u1ecbch ng\u1eafn h\u1ea1n \u0111\u1ed3ng th\u1eddi gi\u00fap b\u00f9 \u0111\u1eafp chi ph\u00ed giao d\u1ecbch li\u00ean quan \u0111\u1ebfn vi\u1ec7c mua l\u1ea1i v\u00e0 c\u0169ng gi\u00fap b\u1ea3o v\u1ec7 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 kh\u00e1c kh\u1ecfi chi ph\u00ed tr\u00ean m\u1ed7i c\u1ed5 phi\u1ebfu cao h\u01a1n.<\/p>\n

(Ngu\u1ed3n tham kh\u1ea3o: Investopedia<\/i>)<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n Ph\u00ed mua l\u1ea1i (ti\u1ebfng Anh: Redemption Fee) l\u00e0 m\u1ed9t kho\u1ea3n ph\u00ed m\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 ph\u1ea3i ch\u1ecbu khi h\u1ecd b\u00e1n c\u1ed5 ph\u1ea7n c\u1ee7a qu\u0129. Ph\u00ed n\u00e0y \u0111\u01b0\u1ee3c t\u00ednh b\u1edfi c\u00f4ng ty qu\u1ea3n l\u00ed qu\u0129 v\u00e0 c\u00f3 th\u1eddi h\u1ea1n trong m\u1ed9t kho\u1ea3ng th\u1eddi gian nh\u1ea5t \u0111\u1ecbnh.\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\/30111"}],"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=30111"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/30111\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=30111"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=30111"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=30111"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}