{"id":30672,"date":"2023-12-07T09:42:08","date_gmt":"2023-12-07T09:42:08","guid":{"rendered":"https:\/\/masterskills.org\/blog\/hieu-ung-tien-nha-cai-house-money-effect-la-gi.html"},"modified":"2023-12-23T06:14:02","modified_gmt":"2023-12-22T23:14:02","slug":"hieu-ung-tien-nha-cai-house-money-effect-la-gi","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/hieu-ung-tien-nha-cai-house-money-effect-la-gi.html","title":{"rendered":"Hi\u1ec7u \u1ee9ng ti\u1ec1n nh\u00e0 c\u00e1i (House Money Effect) l\u00e0 g\u00ec?"},"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 \u1ea3nh]\" class=\"\">H\u00ecnh minh h\u1ecda. Ngu\u1ed3n: Hustle Escape<\/p>\n<\/figcaption><\/figure>\n<h2><font style=\"line-height: 22px; font-size: 22px;\" color=\"#3d85c6\">Hi\u1ec7u \u1ee9ng ti\u1ec1n <span>nh\u00e0 c\u00e1i<\/span><\/font><\/h2>\n<p><b>Kh\u00e1i ni\u1ec7m<\/b><\/p>\n<p><b>Hi\u1ec7u \u1ee9ng ti\u1ec1n nh\u00e0 c\u00e1i <\/b>hay<b> hi\u1ec7u \u1ee9ng ti\u1ec1n ch\u00f9a<\/b>, ti\u1ebfng Anh g\u1ecdi l\u00e0 <b>house money effect<\/b>.<\/p>\n<p><b>Hi\u1ec7u \u1ee9ng ti\u1ec1n <span>nh\u00e0 c\u00e1i<\/span><\/b> gi\u1ea3i th\u00edch cho xu h\u01b0\u1edbng nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 ng\u01b0\u1eddi giao d\u1ecbch th\u01b0\u1eddng s\u1eb5n s\u00e0ng ch\u1ea5p nh\u1eadn r\u1ee7i ro cao h\u01a1n khi t\u00e1i \u0111\u1ea7u t\u01b0 ph\u1ea7n l\u1ee3i nhu\u1eadn \u0111\u00e3 ki\u1ebfm \u0111\u01b0\u1ee3c t\u1eeb c\u1ed5 phi\u1ebfu, tr\u00e1i phi\u1ebfu, h\u1ee3p \u0111\u1ed3ng t\u01b0\u01a1ng lai hay quy\u1ec1n ch\u1ecdn; so v\u1edbi khi h\u1ecd \u0111\u1ea7u t\u01b0 b\u1eb1ng ti\u1ec1n ti\u1ebft ki\u1ec7m ho\u1eb7c ti\u1ec1n l\u01b0\u01a1ng c\u1ee7a m\u00ecnh.<\/p>\n<p>Hi\u1ec7u \u1ee9ng n\u00e0y cho r\u1eb1ng m\u1ed9t s\u1ed1 nh\u00e0 \u0111\u1ea7u t\u01b0 s\u1eb5n s\u00e0ng ch\u1ea5p nh\u1eadn m\u1ee9c r\u1ee7i ro cao h\u01a1n khi h\u1ecd ngh\u0129 r\u1eb1ng h\u1ecd \u0111ang \u0111\u00e1nh c\u01b0\u1ee3c b\u1eb1ng s\u1ed1 ti\u1ec1n m\u00e0 m\u00e0 tr\u01b0\u1edbc \u0111\u00f3 h\u1ecd kh\u00f4ng c\u00f3 nh\u01b0ng \u0111\u00e3 \u0111\u1ea1t \u0111\u01b0\u1ee3c th\u00f4ng qua t\u01b0\u01a1ng t\u00e1c v\u1edbi th\u1ecb tr\u01b0\u1eddng.<\/p>\n<h3><font style=\"line-height: 22px; font-size: 22px;\" color=\"#3d85c6\">Hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 hi\u1ec7u \u1ee9ng ti\u1ec1n nh\u00e0 c\u00e1i<\/font><\/h3>\n<p>Richard H. Thaler va Eric J. Johnson t\u1ea1i Tr\u01b0\u1eddng t\u1ed1t nghi\u1ec7p Qu\u1ea3n tr\u1ecb h\u1ecdc thu\u1ed9c \u0110\u1ea1i h\u1ecdc Cornell \u0111\u00e3 l\u1ea7n \u0111\u1ea7u \u0111\u1ecbnh ngh\u0129a &#8220;hi\u1ec7u \u1ee9ng ti\u1ec1n nh\u00e0 c\u00e1i&#8221;, vay m\u01b0\u1ee3n thu\u1eadt ng\u1eef t\u1eeb c\u00e1c s\u00f2ng b\u1ea1c casino. Thu\u1eadt ng\u1eef n\u00e0y ch\u1ec9 vi\u1ec7c m\u1ed9t ng\u01b0\u1eddi \u0111\u00e1nh b\u1ea1c s\u1eed d\u1ee5ng m\u1ed9t ph\u1ea7n ho\u1eb7c t\u1ea5t c\u1ea3 ti\u1ec1n th\u1eafng \u0111\u01b0\u1ee3c t\u1eeb v\u00e1n b\u00e0i tr\u01b0\u1edbc \u0111\u1ec3 ch\u01a1i c\u00e1c v\u00e1n b\u00e0i ti\u1ebfp theo.<\/p>\n<p>Hi\u1ec7u \u1ee9ng ti\u1ec1n nh\u00e0 c\u00e1i cho r\u1eb1ng ng\u01b0\u1eddi ta th\u01b0\u1eddng mua nh\u1eefng c\u1ed5 phi\u1ebfu, tr\u00e1i phi\u1ebfu ho\u1eb7c t\u00e0i s\u1ea3n kh\u00e1c c\u00f3 \u0111\u1ed9 r\u1ee7i ro cao h\u01a1n, sau c\u00e1c giao d\u1ecbch c\u00f3 l\u1eddi.\u00a0<\/p>\n<p>V\u00ed d\u1ee5, sau khi ki\u1ebfm \u0111\u01b0\u1ee3c kho\u1ea3n l\u1ee3i nhu\u1eadn ng\u1eafn h\u1ea1n t\u1eeb m\u1ed9t c\u1ed5 phi\u1ebfu c\u00f3 beta 1,5 th\u00ec vi\u1ec7c nh\u00e0 \u0111\u1ea7u t\u01b0 \u1ea5y ti\u1ebfp t\u1ee5c giao d\u1ecbch tr\u00ean nh\u1eefng c\u1ed5 phi\u1ebfu c\u00f3 beta t\u1eeb 2 tr\u1edf l\u00ean kh\u00f4ng ph\u1ea3i l\u00e0 hi\u1ebfm.<\/p>\n<p>\u0110i\u1ec1u n\u00e0y l\u00e0 v\u00ec sau khi giao d\u1ecbch th\u00e0nh c\u00f4ng v\u1edbi m\u1ed9t c\u1ed5 phi\u1ebfu c\u00f3 r\u1ee7i ro tr\u00ean m\u1ee9c trung b\u00ecnh th\u00ec \u0111\u1ed9 ng\u1ea1i r\u1ee7i ro c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 n\u00e0y \u0111\u00e3 t\u1ea1m th\u1eddi gi\u1ea3m xu\u1ed1ng. Do \u0111\u00f3, nh\u00e0 \u0111\u1ea7u t\u01b0 n\u00e0y t\u00ecm \u0111\u1ebfn nh\u1eefng m\u1ee9c r\u1ee7i ro th\u1eadm ch\u00ed c\u00f2n cao h\u01a1n.<\/p>\n<p>Nh\u1eefng nh\u00e0 \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n \u0111\u00f4i khi c\u0169ng g\u1eb7p ph\u1ea3i s\u1ed1 ph\u1eadn t\u01b0\u01a1ng t\u1ef1. M\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1ea1i <i>qu\u0129 t\u01b0\u01a1ng h\u1ed7 c\u1ed5 phi\u1ebfu t\u0103ng tr\u01b0\u1edfng<\/i> ki\u1ebfm \u0111\u01b0\u1ee3c h\u01a1n 30% trong m\u1ed9t n\u0103m qua, ch\u1ee7 y\u1ebfu l\u00e0 do t\u00ecnh h\u00ecnh th\u1ecb tr\u01b0\u1eddng t\u1ed1t. H\u00e3y nh\u1edb r\u1eb1ng, l\u1ee3i nhu\u1eadn trung b\u00ecnh c\u1ed5 phi\u1ebfu ch\u1ec9 kho\u1ea3ng 6% \u0111\u1ebfn 8% m\u1ed9t n\u0103m.\u00a0<\/p>\n<p>Sau \u0111\u00f3, nh\u00e0 \u0111\u1ea7u t\u01b0 n\u00e0y r\u1eddi qu\u0129 t\u0103ng tr\u01b0\u1edfng v\u00e0o cu\u1ed1i n\u0103m \u0111\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0o m\u1ed9t <i>qu\u0129 ph\u00f2ng h\u1ed9 v\u1ecb th\u1ebf mua\/b\u00e1n n\u0103ng \u0111\u1ed9ng<\/i>. \u0110\u00e2y l\u00e0 m\u1ed9t v\u00ed d\u1ee5 cho th\u1ea5y hi\u1ec7u \u1ee9ng ti\u1ec1n nh\u00e0 c\u00e1i \u0111\u00e3 t\u1ea1m th\u1eddi l\u00e0m gi\u1ea3m m\u1ee9c \u0111\u1ed9 ng\u1ea1i r\u1ee7i ro c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 xu\u1ed1ng.<\/p>\n<p>(Theo <i>Investopedia<\/i>)<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<div class=\"vnbcbc-sapo\" data-role=\"sapo\">\n                            Hi\u1ec7u \u1ee9ng ti\u1ec1n nh\u00e0 c\u00e1i (ti\u1ebfng Anh: House money effect) gi\u1ea3i th\u00edch cho xu h\u01b0\u1edbng nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 ng\u01b0\u1eddi giao d\u1ecbch th\u01b0\u1eddng s\u1eb5n s\u00e0ng ch\u1ea5p nh\u1eadn r\u1ee7i ro cao h\u01a1n khi t\u00e1i \u0111\u1ea7u t\u01b0 ph\u1ea7n l\u1ee3i nhu\u1eadn \u0111\u00e3 ki\u1ebfm \u0111\u01b0\u1ee3c.\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\/30672"}],"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=30672"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/30672\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=30672"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=30672"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=30672"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}