{"id":31386,"date":"2023-12-07T10:36:03","date_gmt":"2023-12-07T10:36:03","guid":{"rendered":"https:\/\/masterskills.org\/blog\/muc-tieu-dau-tu-investment-objective-la-gi-xac-dinh-muc-tieu-dau-tu.html"},"modified":"2023-12-23T08:01:35","modified_gmt":"2023-12-23T01:01:35","slug":"muc-tieu-dau-tu-investment-objective-la-gi-xac-dinh-muc-tieu-dau-tu","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/muc-tieu-dau-tu-investment-objective-la-gi-xac-dinh-muc-tieu-dau-tu.html","title":{"rendered":"M\u1ee5c ti\u00eau \u0111\u1ea7u t\u01b0 (Investment Objective) l\u00e0 g\u00ec? X\u00e1c \u0111\u1ecbnh m\u1ee5c ti\u00eau \u0111\u1ea7u t\u01b0"},"content":{"rendered":"
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H\u00ecnh minh h\u1ecda. Ngu\u1ed3n: fedsmith.com<\/i><\/p>\n<\/div>\n<\/div>\n

M\u1ee5c ti\u00eau \u0111\u1ea7u t\u01b0<\/font><\/font><\/h2>\n

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

M\u1ee5c ti\u00eau \u0111\u1ea7u t\u01b0<\/b> trong ti\u1ebfng Anh l\u00e0\u00a0Investment Objective.<\/b><\/p>\n

M\u1ee5c ti\u00eau \u0111\u1ea7u t\u01b0 <\/i>l\u00e0 m\u1ed9t bi\u1ec3u m\u1eabu th\u00f4ng tin kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng b\u1edfi c\u00e1c c\u1ed1 v\u1ea5n \u0111\u1ea7u t\u01b0, robo advisor (t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh t\u1ef1 \u0111\u1ed9ng) v\u00e0 c\u00e1c nh\u00e0 qu\u1ea3n l\u00ed t\u00e0i s\u1ea3n kh\u00e1c nh\u1eb1m gi\u00fap x\u00e1c \u0111\u1ecbnh danh m\u1ee5c \u0111\u1ea7u t\u01b0 t\u1ed1i \u01b0u cho kh\u00e1ch h\u00e0ng. M\u1ee5c ti\u00eau \u0111\u1ea7u t\u01b0<\/i> c\u0169ng c\u00f3 th\u1ec3 do m\u1ed9t c\u00e1 nh\u00e2n t\u1ef1 \u0111\u1ec1 ra khi qu\u1ea3n l\u00ed danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a ri\u00eang m\u00ecnh.<\/p>\n

V\u1ec1 c\u01a1 b\u1ea3n, th\u00f4ng tin \u0111\u01b0\u1ee3c truy xu\u1ea5t t\u1eeb bi\u1ec3u m\u1eabu m\u1ee5c ti\u00eau \u0111\u1ea7u t\u01b0 <\/i>do kh\u00e1ch h\u00e0ng t\u1ef1 \u0111i\u1ec1n s\u1ebd \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh c\u00e1c lo\u1ea1i ch\u1ee9ng kho\u00e1n s\u1ebd \u0111\u01b0\u1ee3c n\u1eafm gi\u1eef trong danh m\u1ee5c \u0111\u1ea7u t\u01b0.<\/p>\n

X\u00e1c \u0111\u1ecbnh m\u1ee5c ti\u00eau \u0111\u1ea7u t\u01b0<\/font><\/h3>\n

M\u1ee5c ti\u00eau \u0111\u1ea7u t\u01b0<\/i> th\u01b0\u1eddng c\u00f3 h\u00ecnh th\u1ee9c l\u00e0 m\u1ed9t b\u1ea3ng h\u1ecfi, v\u00e0 nh\u1eefng c\u00e2u tr\u1ea3 l\u1eddi cho nh\u1eefng c\u00e2u h\u1ecfi \u0111\u00f3 s\u1ebd x\u00e1c \u0111\u1ecbnh m\u1ee9c ch\u1ea5p nh\u1eadn r\u1ee7i ro v\u00e0 th\u1eddi h\u1ea1n \u0111\u1ea7u t\u01b0 c\u1ee7a kh\u00e1ch h\u00e0ng. M\u1ed9t s\u1ed1 c\u00e2u h\u1ecfi \u0111\u01b0\u1ee3c bao g\u1ed3m trong bi\u1ec3u m\u1eabu \u0111\u1ec3 t\u00ecm ra m\u1ee5c ti\u00eau \u0111\u1ea7u t\u01b0<\/i> bao g\u1ed3m:<\/p>\n

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– Thu nh\u1eadp \u01b0\u1edbc t\u00ednh h\u00e0ng n\u0103m v\u00e0 gi\u00e1 tr\u1ecb t\u00e0i ch\u00ednh r\u00f2ng c\u1ee7a b\u1ea1n l\u00e0 bao nhi\u00eau?<\/p>\n

– Chi ph\u00ed trung b\u00ecnh h\u00e0ng n\u0103m c\u1ee7a b\u1ea1n l\u00e0 bao nhi\u00eau?<\/p>\n

– \u00dd \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 s\u1ed1 ti\u1ec1n n\u00e0y c\u1ee7a b\u1ea1n l\u00e0 g\u00ec?<\/p>\n

– Khi n\u00e0o b\u1ea1n mu\u1ed1n r\u00fat ti\u1ec1n?<\/p>\n

– B\u1ea1n c\u00f3 mu\u1ed1n ti\u1ec1n \u0111\u1ea1t \u0111\u01b0\u1ee3c t\u0103ng tr\u01b0\u1edfng v\u1ed1n \u0111\u00e1ng k\u1ec3 v\u00e0o th\u1eddi \u0111i\u1ec3m b\u1ea1n r\u00fat ti\u1ec1n hay b\u1ea1n quan t\u00e2m h\u01a1n \u0111\u1ebfn vi\u1ec7c duy tr\u00ec gi\u00e1 tr\u1ecb g\u1ed1c?<\/p>\n

– M\u1ee9c gi\u1ea3m t\u1ed1i \u0111a trong gi\u00e1 tr\u1ecb c\u1ee7a danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n m\u00e0 b\u1ea1n ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c l\u00e0 bao nhi\u00eau?<\/p>\n

– M\u1ee9c \u0111\u1ed9 ki\u1ebfn th\u1ee9c c\u1ee7a b\u1ea1n v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m \u0111\u1ea7u t\u01b0 nh\u01b0 v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu, thu nh\u1eadp c\u1ed1 \u0111\u1ecbnh, qu\u0129 t\u01b0\u01a1ng h\u1ed7, ph\u00e1i sinh, v.v… ?<\/p>\n

M\u1ed9t c\u00e1 nh\u00e2n ho\u1eb7c kh\u00e1ch h\u00e0ng s\u1ebd s\u1eed d\u1ee5ng danh m\u1ee5c \u0111\u1ea7u t\u01b0 ph\u00f9 h\u1ee3p v\u1edbi c\u00e2u tr\u1ea3 l\u1eddi cho nh\u1eefng c\u00e2u h\u1ecfi n\u00e0y. V\u00ed d\u1ee5, m\u1ed9t kh\u00e1ch h\u00e0ng c\u00f3 kh\u1ea3 n\u0103ng ch\u1ecbu r\u1ee7i ro cao v\u1edbi m\u1ee5c ti\u00eau mua nh\u00e0 trong 5 n\u0103m v\u00e0 quan t\u00e2m \u0111\u1ebfn t\u0103ng tr\u01b0\u1edfng v\u1ed1n s\u1ebd c\u00f3 m\u1ed9t danh m\u1ee5c \u0111\u1ea7u t\u01b0 “hung h\u0103ng” (aggressive) trong ng\u1eafn h\u1ea1n, c\u00f3 th\u1ec3 c\u00f3 t\u1ec9 l\u1ec7 n\u1eafm gi\u1eef c\u1ed5 phi\u1ebfu v\u00e0 c\u00f4ng c\u1ee5 ph\u00e1i sinh nhi\u1ec1u h\u01a1n l\u00e0 ch\u1ee9ng kho\u00e1n c\u00f3 thu nh\u1eadp c\u1ed1 \u0111\u1ecbnh v\u00e0 ch\u1ee9ng kho\u00e1n n\u1ee3 ng\u1eafn h\u1ea1n.<\/p>\n

M\u1eb7t kh\u00e1c, m\u1ed9t ng\u01b0\u1eddi kho\u1ea3ng 40 tu\u1ed5i c\u00f3 thu nh\u1eadp cao, \u0111\u1ea7u t\u01b0 v\u1edbi m\u1ee5c \u0111\u00edch ngh\u1ec9 h\u01b0u sau 20 n\u0103m v\u00e0 ch\u1ec9 quan t\u00e2m \u0111\u1ebfn vi\u1ec7c b\u1ea3o to\u00e0n v\u1ed1n c\u00f3 th\u1ec3 x\u00e2y d\u1ef1ng m\u1ed9t danh m\u1ee5c \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n v\u1edbi ch\u1ee9ng kho\u00e1n r\u1ee7i ro th\u1ea5p bao g\u1ed3m ch\u1ee9ng kho\u00e1n thu nh\u1eadp c\u1ed1 \u0111\u1ecbnh, ch\u1ee9ng kho\u00e1n n\u1ee3 ng\u1eafn h\u1ea1n v\u00e0 b\u1ea5t k\u00ec kho\u1ea3n \u0111\u1ea7u t\u01b0 n\u00e0o s\u1ebd b\u1ea3o v\u1ec7 v\u1ed1n c\u1ee7a \u00f4ng ta ch\u1ed1ng l\u1ea1i l\u1ea1m ph\u00e1t.<\/p>\n

C\u00e1c y\u1ebfu t\u1ed1 c\u1ea7n l\u01b0u \u00fd kh\u00e1c<\/font><\/h4>\n

Ngo\u00e0i th\u1eddi h\u1ea1n \u0111\u1ea7u t\u01b0 v\u00e0 m\u1ee9c \u0111\u1ed9 ch\u1ea5p nh\u1eadn r\u1ee7i ro, c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n bao g\u1ed3m: thu nh\u1eadp sau thu\u1ebf; thu\u1ebf \u0111\u1ea7u t\u01b0; hoa h\u1ed3ng v\u00e0 l\u1ec7 ph\u00ed d\u1ef1a tr\u00ean vi\u1ec7c danh m\u1ee5c \u0111\u1ea7u t\u01b0 s\u1ebd \u0111\u01b0\u1ee3c qu\u1ea3n l\u00ed ch\u1ee7 \u0111\u1ed9ng hay th\u1ee5 \u0111\u1ed9ng; t\u00ednh thanh kho\u1ea3n danh m\u1ee5c \u0111\u1ea7u t\u01b0, t\u1ed5ng t\u00e0i s\u1ea3n bao g\u1ed3m c\u1ea3 c\u00e1c t\u00e0i s\u1ea3n kh\u00f4ng c\u00f3 trong danh m\u1ee5c \u0111\u1ea7u t\u01b0 nh\u01b0 ph\u00fac l\u1ee3i An sinh x\u00e3 h\u1ed9i, kho\u1ea3n th\u1eeba k\u1ebf d\u1ef1 ki\u1ebfn v\u00e0 gi\u00e1 tr\u1ecb l\u01b0\u01a1ng h\u01b0u, v.v…<\/p>\n

Khi c\u00e1c m\u1ee5c ti\u00eau c\u1ee7a kh\u00e1ch h\u00e0ng thay \u0111\u1ed5i qua th\u1eddi gian do nh\u1eefng l\u1edbn trong cu\u1ed9c s\u1ed1ng nh\u01b0 k\u1ebft h\u00f4n, ngh\u1ec9 h\u01b0u, mua nh\u00e0, thay \u0111\u1ed5i thu nh\u1eadp, v.v., ng\u01b0\u1eddi qu\u1ea3n l\u00ed danh m\u1ee5c \u0111\u1ea7u t\u01b0 s\u1ebd \u0111\u00e1nh gi\u00e1 l\u1ea1i c\u00e1c m\u1ee5c ti\u00eau \u0111\u1ea7u t\u01b0 <\/b>c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 n\u1ebfu c\u1ea7n th\u00ec c\u00e2n \u0111\u1ed1i l\u1ea1i danh m\u1ee5c \u0111\u1ea7u t\u01b0 ph\u00f9 h\u1ee3p.<\/p>\n

(Theo investopedia<\/i>)<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n M\u1ee5c ti\u00eau \u0111\u1ea7u t\u01b0 (ti\u1ebfng Anh: Investment Objective) l\u00e0 m\u1ed9t bi\u1ec3u m\u1eabu th\u00f4ng tin kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng b\u1edfi c\u00e1c c\u1ed1 v\u1ea5n \u0111\u1ea7u t\u01b0, robo advisor v\u00e0 c\u00e1c nh\u00e0 qu\u1ea3n l\u00ed t\u00e0i s\u1ea3n kh\u00e1c nh\u1eb1m gi\u00fap x\u00e1c \u0111\u1ecbnh danh m\u1ee5c \u0111\u1ea7u t\u01b0 t\u1ed1i \u01b0u cho kh\u00e1ch h\u00e0ng.\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\/31386"}],"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=31386"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/31386\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=31386"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=31386"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=31386"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}