{"id":30211,"date":"2023-12-07T09:03:36","date_gmt":"2023-12-07T09:03:36","guid":{"rendered":"https:\/\/masterskills.org\/blog\/quy-khan-cap-emergency-fund-la-gi-noi-dung-ve-quy-khan-cap.html"},"modified":"2023-12-23T06:12:19","modified_gmt":"2023-12-22T23:12:19","slug":"quy-khan-cap-emergency-fund-la-gi-noi-dung-ve-quy-khan-cap","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/quy-khan-cap-emergency-fund-la-gi-noi-dung-ve-quy-khan-cap.html","title":{"rendered":"Qu\u1ef9 kh\u1ea9n c\u1ea5p (Emergency Fund) l\u00e0 g\u00ec? N\u1ed9i dung v\u1ec1 qu\u1ef9 kh\u1ea9n c\u1ea5p"},"content":{"rendered":"
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H\u00ecnh minh h\u1ecda<\/p>\n<\/figcaption><\/figure>\n

Qu\u1ef9 kh\u1ea9n c\u1ea5p (Emergency Fund)<\/font><\/h2>\n

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

Qu\u1ef9 kh\u1ea9n c\u1ea5p <\/b>trong ti\u1ebfng Anh l\u00e0 Emergency Fund.<\/b><\/p>\n

Qu\u1ef9 kh\u1ea9n c\u1ea5p l\u00e0 ngu\u1ed3n t\u00e0i s\u1ea3n s\u1eb5n c\u00f3 \u0111\u1ec3 gi\u00fap ta gi\u1ea3i quy\u1ebft c\u00e1c t\u00ecnh hu\u1ed1ng kh\u00f3 x\u1eed v\u1ec1 t\u00e0i ch\u00ednh nh\u01b0 m\u1ea5t vi\u1ec7c, b\u1ecb b\u1ec7nh t\u1eadt, s\u1eeda ch\u1eefa l\u1edbn t\u1ea1i nh\u00e0 ho\u1eb7c mua xe h\u01a1i, nh\u01b0ng kh\u00f4ng d\u00e0nh cho c\u00e1c kh\u1ee7ng ho\u1ea3ng l\u1edbn c\u1ea5p\u00a0qu\u1ed1c gia\u00a0<\/span>nh\u01b0 \u0111\u1ea1i d\u1ecbch Covid-19 g\u00e2y ra.\u00a0<\/span><\/p>\n

M\u1ee5c \u0111\u00edch c\u1ee7a qu\u1ef9 l\u00e0 c\u1ea3i thi\u1ec7n an ninh t\u00e0i ch\u00ednh b\u1eb1ng c\u00e1ch t\u1ea1o l\u1eadp m\u1ed9t ngu\u1ed3n ti\u1ec1n an to\u00e0n b\u1eb1ng ti\u1ec1n m\u1eb7t ho\u1eb7c c\u00e1c t\u00e0i s\u1ea3n c\u00f3 t\u00ednh thanh kho\u1ea3n cao kh\u00e1c c\u00f3 th\u1ec3\u00a0<\/span>s\u1eed d\u1ee5ng\u00a0<\/span>\u0111\u01b0\u1ee3c nh\u1eb1m \u0111\u00e1p \u1ee9ng k\u1ecbp c\u00e1c chi ph\u00ed kh\u1ea9n c\u1ea5p. \u0110i\u1ec1u n\u00e0y c\u0169ng l\u00e0m gi\u1ea3m nhu c\u1ea9u c\u1ea7n ti\u1ec1n t\u1eeb c\u00e1c kho\u1ea3n n\u1ee3 l\u00e3i su\u1ea5t cao, ch\u1eb3ng h\u1ea1n nh\u01b0 th\u1ebb t\u00edn d\u1ee5ng ho\u1eb7c c\u00e1c kho\u1ea3n vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m, ho\u1eb7c l\u00e0m gi\u1ea3m ch\u1ee9ng kho\u00e1n t\u01b0\u01a1ng lai c\u1ee7a b\u1ea1n b\u1eb1ng c\u00e1ch khai th\u00e1c qu\u1ef9 h\u01b0u tr\u00ed.<\/span><\/p>\n

N\u1ed9i dung v\u1ec1 qu\u1ef9 kh\u1ea9n c\u1ea5p\u00a0<\/font><\/h3>\n

Theo m\u1ed9t nh\u00e0 ho\u1ea1ch \u0111\u1ecbnh t\u00e0i ch\u00ednh, m\u1ed9t qu\u1ef9 kh\u1ea9n c\u1ea5p n\u00ean c\u00f3 \u0111\u1ee7 ti\u1ec1n \u0111\u1ec3 trang tr\u1ea3i t\u1eeb ba \u0111\u1ebfn 6 th\u00e1ng. L\u01b0u \u00fd r\u1eb1ng c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh kh\u00f4ng t\u1ea1o l\u1eadp c\u00e1c t\u00e0i kho\u1ea3n l\u00e0 qu\u1ef9 kh\u1ea9n c\u1ea5p m\u00e0 c\u00e1 nh\u00e2n l\u00e0 ng\u01b0\u1eddi s\u1ebd thi\u1ebft l\u1eadp lo\u1ea1i t\u00e0i kho\u1ea3n n\u00e0y v\u00e0 ghi ch\u00fa n\u00f3 l\u00e0 v\u1ed1n d\u00e0nh ri\u00eang cho c\u00e1c cu\u1ed9c kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n.<\/p>\n

V\u00ed d\u1ee5: M\u1ed9t c\u1eb7p v\u1ee3 ch\u1ed3ng c\u00f3 chi ph\u00ed t\u1ed5ng c\u1ed9ng l\u00e0 5.000 \u0111\u00f4 la m\u1ed9t th\u00e1ng, bao g\u1ed3m c\u00e1c kho\u1ea3n thanh to\u00e1n th\u1ebf ch\u1ea5p, h\u00f3a \u0111\u01a1n th\u1ef1c ph\u1ea9m, thanh to\u00e1n xe h\u01a1i v\u00e0 c\u00e1c kho\u1ea3n chi ti\u00eau c\u1ea7n thi\u1ebft kh\u00e1c, s\u1ebd c\u1ea7n d\u00e0nh \u00edt nh\u1ea5t 15.000 \u0111\u00f4 la (ba th\u00e1ng) v\u00e0 t\u1ed1i \u0111a 30.000 \u0111\u00f4 la (s\u00e1u th\u00e1ng) \u0111\u1ec3 gi\u1ea3i quy\u1ebft kho\u1ea3n t\u00e0i ch\u00ednh b\u1ea5t ng\u1edd ph\u1ea3i g\u00e1nh v\u00e1c.\u00a0<\/p>\n

C\u00e1c qu\u1ef9 th\u01b0\u1eddng \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp d\u01b0\u1edbi d\u1ea1ng t\u00e0i s\u1ea3n c\u00f3 t\u00ednh thanh kho\u1ea3n cao, nh\u01b0 c\u00e1c t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m ho\u1eb7c t\u00e0i kho\u1ea3n v\u00e3ng lai \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m b\u1edfi T\u1eadp \u0111o\u00e0n B\u1ea3o hi\u1ec3m Ti\u1ec1n g\u1eedi Li\u00ean bang M\u1ef9 (FDIC). Nh\u1eefng ph\u01b0\u01a1ng ti\u1ec7n n\u00e0y cho ph\u00e9p truy c\u1eadp nhanh v\u00e0o ti\u1ec1n m\u1eb7t \u0111\u1ec3 thanh to\u00e1n chi ph\u00ed trong t\u00ecnh hu\u1ed1ng kh\u1ea9n c\u1ea5p.<\/p>\n

Qu\u1ef9 kh\u1ea9n c\u1ea5p v\u00e0 \u0111\u1ea7u t\u01b0<\/b><\/p>\n

C\u00e1c c\u00e1 nh\u00e2n n\u00ean xem x\u00e9t vi\u1ec7c x\u00e2y d\u1ef1ng m\u1ed9t qu\u1ef9 kh\u1ea9n c\u1ea5p tr\u01b0\u1edbc khi m\u1ea1o hi\u1ec3m d\u1ed3n ti\u1ec1n v\u00e0o c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n \u0111\u1ea7u t\u01b0 bi\u1ebfn \u0111\u1ed9ng h\u01a1n nh\u01b0 c\u1ed5 phi\u1ebfu. Trong khi c\u00e1i sau mang l\u1ea1i ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng d\u00e0i h\u1ea1n l\u1edbn h\u01a1n th\u00ec ti\u1ec1n v\u00e0 c\u00e1c kho\u1ea3n t\u01b0\u01a1ng \u0111\u01b0\u01a1ng ti\u1ec1n c\u00f3 gi\u00e1 tr\u1ecb gi\u1ea3m \u0111\u1ed9t ng\u1ed9t trong tr\u01b0\u1eddng h\u1ee3p suy tho\u00e1i kinh t\u1ebf, v\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh l\u00e0 cu\u1ed9c kh\u1ee7ng ho\u1ea3ng y t\u1ebf to\u00e0n c\u1ea7u mang t\u00ean Covid-19. N\u1ebfu \u0111\u00f3 l\u00e0 th\u1eddi \u0111i\u1ec3m b\u1ea1n c\u1ea7n s\u1eed d\u1ee5ng ch\u00fang, b\u1ea1n c\u00f3 th\u1ec3 c\u1ea7n nhi\u1ec1u h\u01a1n m\u1ee9c c\u1ea7n thi\u1ebft. Qu\u1ef9 kh\u1ea9n c\u1ea5p s\u1ebd b\u1ea3o v\u1ec7 danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n ch\u1ed1ng l\u1ea1i r\u1ee7i ro \u0111\u00f3.<\/p>\n

M\u1eb7c d\u00f9 l\u01b0u tr\u1eef ti\u1ec1n m\u1eb7t trong t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m b\u1edfi FDIC c\u00f3 th\u1ec3 l\u00e0 c\u00e1ch ti\u1ebfp c\u1eadn an to\u00e0n nh\u1ea5t, c\u00f3 nh\u1eefng c\u00e1ch t\u01b0\u01a1ng \u0111\u1ed1i an to\u00e0n kh\u00e1c \u0111\u1ec3 l\u01b0u tr\u1eef m\u1ed9t ph\u1ea7n qu\u1ef9 kh\u1ea9n c\u1ea5p c\u1ee7a b\u1ea1n mang l\u1ea1i ti\u1ec1m n\u0103ng thu l\u00e3i cao h\u01a1n. Ch\u00fang bao g\u1ed3m c\u00e1c t\u00e0i kho\u1ea3n th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7 ho\u1eb7c ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi (CD) kh\u00f4ng b\u1ecb ph\u1ea1t, nos kh\u00f4ng khi\u1ebfn cho ng\u01b0\u1eddi ti\u1ebft ki\u1ec7m ph\u1ea3i tr\u1ea3 ph\u00ed n\u1ebfu h\u1ecd c\u1ea7n r\u00fat ti\u1ec1n ra tr\u01b0\u1edbc ng\u00e0y \u0111\u00e1o h\u1ea1n.<\/p>\n

L\u1eddi khuy\u00ean ch\u00e2n th\u00e0nh d\u00e0nh cho nh\u00e0 \u0111\u1ea7u t\u01b0 m\u1edbi \u0111\u00f3 l\u00e0 kh\u00f4ng n\u00ean ngay l\u1eadp t\u1ee9c \u0111\u1eb7t ti\u1ec1n ti\u1ebft ki\u1ec7m v\u00e0o m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n \u0111\u1ea7u t\u01b0, ch\u1eb3ng h\u1ea1n nh\u01b0 qu\u1ef9 t\u01b0\u01a1ng h\u1ed7 t\u0103ng tr\u01b0\u1edfng, tr\u01b0\u1edbc khi c\u00e1 nh\u00e2n \u0111\u00f3 t\u1ea1o ra \u0111\u1ee7 v\u1ed1n thanh kho\u1ea3n trong tr\u01b0\u1eddng h\u1ee3p m\u1ea5t thu nh\u1eadp.\u00a0<\/p>\n

C\u00e1c qu\u1ef9 t\u0103ng tr\u01b0\u1edfng (\u00edt bi\u1ebfn \u0111\u1ed9ng h\u01a1n so v\u1edbi c\u00e1c c\u1ed5 phi\u1ebfu ri\u00eang l\u1ebb) th\u1ec3 hi\u1ec7n t\u00ednh r\u1ee7i ro \u0111\u1ed1i v\u1edbi ti\u1ec1n g\u1ed1c \u0111\u01b0\u1ee3c gi\u1ea3m nh\u1eb9 t\u1ed1t nh\u1ea5t theo th\u1eddi gian. H\u01a1n n\u1eefa, c\u00e1c qu\u1ef9 t\u0103ng tr\u01b0\u1edfng \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed th\u01b0\u1eddng t\u00ednh ph\u00ed b\u00e1n h\u00e0ng tr\u01b0\u1edbc l\u00ean t\u1edbi 5,75% ho\u1eb7c ph\u00ed b\u00e1n h\u00e0ng tr\u1ea3 ch\u1eadm d\u1ef1 ph\u00f2ng (CDSC) \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n gi\u1ea3m tr\u1eeb s\u1ebd \u1ea3nh h\u01b0\u1edfng th\u00eam \u0111\u1ebfn ti\u1ec1n g\u1ed1c trong tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p.<\/p>\n

Hai chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ec3 thi\u1ebft l\u1eadp m\u1ed9t qu\u1ef9 kh\u1ea9n c\u1ea5p<\/b><\/p>\n

B\u1eaft \u0111\u1ea7u t\u1eeb s\u1edbm l\u00e0 ch\u00eca kh\u00f3a \u0111\u1ec3 thi\u1ebft l\u1eadp m\u1ed9t qu\u1ef9 kh\u1ea9n c\u1ea5p, b\u1edfi v\u00ec n\u00f3 gi\u00fap b\u1ea1n x\u00e2y d\u1ef1ng m\u1ed9t t\u1ea5m ch\u1eafn \u0111\u1ec3 ch\u1ed1ng \u0111\u1ee1 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p b\u1ea5t ng\u1edd sau n\u00e0y trong cu\u1ed9c s\u1ed1ng. Th\u00e0nh l\u1eadp qu\u1ef9 kh\u1ea9n c\u1ea5p t\u01b0\u01a1ng \u0111\u1ed1i d\u1ec5 d\u00e0ng. \u0110\u00e2y l\u00e0 hai c\u00e1ch \u0111\u01a1n gi\u1ea3n \u0111\u1ec3 b\u1eaft \u0111\u1ea7u ti\u1ebft ki\u1ec7m:<\/p>\n

+ D\u00e0nh m\u1ed9t kho\u1ea3n ti\u1ec1n t\u1eeb ti\u1ec1n l\u01b0\u01a1ng m\u1ed7i th\u00e1ng: T\u00ednh to\u00e1n chi ph\u00ed sinh ho\u1ea1t c\u1ee7a b\u1ea1n trong \u00edt nh\u1ea5t ba th\u00e1ng v\u00e0 th\u1ef1c hi\u1ec7n m\u1ee5c ti\u00eau th\u00e0nh l\u1eadp m\u1ed9t qu\u1ef9 kh\u1ea9n c\u1ea5p. Sau \u0111\u00f3, b\u1ea1n c\u00f3 th\u1ec3 chuy\u1ec3n m\u1ed9t ph\u1ea7n ti\u1ec1n l\u01b0\u01a1ng c\u1ee7a m\u00ecnh b\u1eb1ng c\u00e1ch thi\u1ebft l\u1eadp r\u00fat ti\u1ec1n \u0111i\u1ec7n t\u1eed cho t\u00e0i kho\u1ea3n \u0111\u00f3 m\u1ed7i th\u00e1ng.\u00a0<\/p>\n

Khi qu\u1ef9 \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng theo m\u1ee9c b\u1ea1n c\u1ea7n, h\u00e3y \u0111\u1ea7u t\u01b0 th\u00eam ti\u1ec1n ti\u1ebft ki\u1ec7m trong d\u00e0i h\u1ea1n ho\u1eb7c cho c\u00e1c m\u1ee5c ti\u00eau kh\u00e1c. Khi b\u1ea1n \u0111\u00e3 ti\u1ebft ki\u1ec7m t\u1ed1i \u0111a kho\u1ea3n ti\u1ebft ki\u1ec7m h\u01b0u tr\u00ed c\u1ee7a m\u00ecnh, s\u1ed1 ti\u1ec1n \u0111\u00f3 c\u00f3 th\u1ec3 v\u00e0o t\u00e0i kho\u1ea3n \u0111\u1ea7u t\u01b0 v\u1edbi r\u1ee7i ro v\u00e0 ph\u1ea7n th\u01b0\u1edfng cao h\u01a1n.<\/p>\n

+ Khi b\u1ea1n nh\u1eadn \u0111\u01b0\u1ee3c ti\u1ec1n ho\u00e0n thu\u1ebf, h\u00e3y ti\u1ebft ki\u1ec7m \u00a0n\u00f3. Xu h\u01b0\u1edbng c\u1ee7a h\u1ea7u h\u1ebft ch\u00fang ta l\u00e0 xem x\u00e9t ho\u00e0n thu\u1ebf nh\u01b0 ti\u1ec1n m\u1eb7t th\u00eam v\u00e0o, m\u00e0 ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 b\u1ecb c\u00e1m d\u1ed7 s\u1eed d\u1ee5ng \u0111\u1ec3 mua h\u00e0ng t\u00f9y \u00fd. Thay v\u00ec chi ti\u00eau ti\u1ec1n ho\u00e0n thu\u1ebf, h\u00e3y ti\u1ebft ki\u1ec7m n\u00f3 b\u1eb1ng c\u00e1ch \u0111\u00f3ng g\u00f3p cho qu\u1ef9 kh\u1ea9n c\u1ea5p c\u1ee7a b\u1ea1n.<\/p>\n

(T\u00e0i li\u1ec7u tham kh\u1ea3o: investopedia.com)<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n Qu\u1ef9 kh\u1ea9n c\u1ea5p (ti\u1ebfng Anh: Emergency Fund) l\u00e0 ngu\u1ed3n t\u00e0i s\u1ea3n s\u1eb5n c\u00f3 \u0111\u1ec3 gi\u00fap ta gi\u1ea3i quy\u1ebft c\u00e1c t\u00ecnh hu\u1ed1ng kh\u00f3 x\u1eed v\u1ec1 t\u00e0i ch\u00ednh nh\u01b0 m\u1ea5t vi\u1ec7c, b\u1ecb b\u1ec7nh t\u1eadt, s\u1eeda ch\u1eefa l\u1edbn t\u1ea1i nh\u00e0 ho\u1eb7c mua xe h\u01a1i…\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\/30211"}],"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=30211"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/30211\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=30211"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=30211"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=30211"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}