{"id":31387,"date":"2023-12-07T10:36:08","date_gmt":"2023-12-07T10:36:08","guid":{"rendered":"https:\/\/masterskills.org\/blog\/thoi-han-dau-tu-investment-horizon-la-gi-thoi-han-dau-tu-va-xay-dung-danh-muc-dau-tu.html"},"modified":"2023-12-23T08:10:36","modified_gmt":"2023-12-23T01:10:36","slug":"thoi-han-dau-tu-investment-horizon-la-gi-thoi-han-dau-tu-va-xay-dung-danh-muc-dau-tu","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/thoi-han-dau-tu-investment-horizon-la-gi-thoi-han-dau-tu-va-xay-dung-danh-muc-dau-tu.html","title":{"rendered":"Th\u1eddi h\u1ea1n \u0111\u1ea7u t\u01b0 (Investment Horizon) l\u00e0 g\u00ec? Th\u1eddi h\u1ea1n \u0111\u1ea7u t\u01b0 v\u00e0 x\u00e2y d\u1ef1ng danh m\u1ee5c \u0111\u1ea7u t\u01b0"},"content":{"rendered":"
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H\u00ecnh minh h\u1ecda<\/i><\/p>\n<\/div>\n<\/div>\n

Th\u1eddi h\u1ea1n \u0111\u1ea7u t\u01b0<\/font><\/h2>\n

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

Th\u1eddi h\u1ea1n \u0111\u1ea7u t\u01b0<\/b> trong ti\u1ebfng Anh l\u00e0\u00a0Investment Horizon.<\/b><\/p>\n

Th\u1eddi h\u1ea1n \u0111\u1ea7u t\u01b0<\/i> l\u00e0 thu\u1eadt ng\u1eef \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 m\u00f4 t\u1ea3 t\u1ed5ng \u0111\u1ed9 d\u00e0i th\u1eddi gian m\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 d\u1ef1 ki\u1ebfn s\u1ebd n\u1eafm gi\u1eef ch\u1ee9ng kho\u00e1n ho\u1eb7c danh m\u1ee5c \u0111\u1ea7u t\u01b0.<\/p>\n

Th\u1eddi h\u1ea1n \u0111\u1ea7u t\u01b0<\/i> c\u00f3 th\u1ec3 ng\u1eafn, ch\u1ec9 trong v\u00e0i ng\u00e0y, ho\u1eb7c d\u00e0i h\u1ea1n h\u01a1n, k\u00e9o d\u00e0i \u0111\u1ebfn h\u00e0ng ch\u1ee5c n\u0103m. V\u00ed d\u1ee5, m\u1ed9t ng\u01b0\u1eddi tr\u1ebb tu\u1ed5i v\u1edbi k\u1ebf ho\u1ea1ch 401 (k) s\u1ebd c\u00f3 m\u1ed9t th\u1eddi h\u1ea1n \u0111\u1ea7u t\u01b0<\/i> k\u00e9o d\u00e0i h\u00e0ng th\u1eadp k\u1ec9. Trong khi \u0111\u00f3,\u00a0th\u1eddi h\u1ea1n \u0111\u1ea7u t\u01b0<\/i> c\u1ee7a ph\u00f2ng ng\u00e2n qu\u0129 trong doanh nghi\u1ec7p c\u00f3 th\u1ec3 ch\u1ec9 k\u00e9o d\u00e0i v\u00e0i ng\u00e0y.<\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf, m\u1ed9t s\u1ed1 chi\u1ebfn l\u01b0\u1ee3c giao d\u1ecbch, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c chi\u1ebfn l\u01b0\u1ee3c d\u1ef1a tr\u00ean ph\u00e2n t\u00edch k\u0129 thu\u1eadt, c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng c\u00e1c th\u1eddi h\u1ea1n \u0111\u1ea7u t\u01b0<\/i> theo t\u1eebng ng\u00e0y, t\u1eebng gi\u1edd ho\u1eb7c th\u1eadm ch\u00ed l\u00e0 v\u00e0i ph\u00fat.<\/p>\n

\u0110\u1ed9 d\u00e0i c\u1ee7a th\u1eddi h\u1ea1n \u0111\u1ea7u t\u01b0<\/i> th\u01b0\u1eddng s\u1ebd x\u00e1c \u0111\u1ecbnh m\u1ee9c \u0111\u1ed9 r\u1ee7i ro c\u1ee7a m\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0 c\u0169ng nh\u01b0 nhu c\u1ea7u thu nh\u1eadp c\u1ee7a h\u1ecd l\u00e0 bao nhi\u00eau. Th\u00f4ng th\u01b0\u1eddng, n\u1ebfu danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u00f3 th\u1eddi h\u1ea1n \u0111\u1ea7u t\u01b0<\/i> ng\u1eafn h\u01a1n, \u0111i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c \u00edt r\u1ee7i ro h\u01a1n. Khi x\u00e2y d\u1ef1ng danh m\u1ee5c \u0111\u1ea7u t\u01b0, thi\u1ebft l\u1eadp th\u1eddi h\u1ea1n \u0111\u1ea7u t\u01b0 <\/i>l\u00e0 m\u1ed9t trong nh\u1eefng b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean c\u1ea7n th\u1ef1c hi\u1ec7n.<\/p>\n

Th\u1eddi h\u1ea1n \u0111\u1ea7u t\u01b0 v\u00e0 X\u00e2y d\u1ef1ng danh m\u1ee5c \u0111\u1ea7u t\u01b0<\/font><\/h3>\n

Khi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1eddi h\u1ea1n \u0111\u1ea7u t\u01b0<\/i> d\u00e0i h\u01a1n, h\u1ecd c\u00f3 th\u1ec3 ch\u1ea5p nh\u1eadn nhi\u1ec1u r\u1ee7i ro h\u01a1n, v\u00ec th\u1ecb tr\u01b0\u1eddng c\u00f3 nhi\u1ec1u n\u0103m \u0111\u1ec3 ph\u1ee5c h\u1ed3i trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra \u0111\u1ee3t suy gi\u1ea3m l\u1edbn. V\u00ed d\u1ee5, m\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1eddi h\u1ea1n \u0111\u1ea7u t\u01b0<\/i> 30 n\u0103m th\u01b0\u1eddng s\u1ebd ph\u00e2n b\u1ed5 ph\u1ea7n l\u1edbn t\u00e0i s\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a anh ta cho c\u1ed5 phi\u1ebfu.<\/p>\n

Ngo\u00e0i ra, m\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1eddi h\u1ea1n \u0111\u1ea7u t\u01b0<\/i> d\u00e0i c\u00f3 th\u1ec3 \u0111\u1ea7u t\u01b0 t\u00e0i s\u1ea3n v\u00e0o nh\u1eefng lo\u1ea1i t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c coi l\u00e0 lo\u1ea1i c\u1ed5 phi\u1ebfu r\u1ee7i ro h\u01a1n, ch\u1eb3ng h\u1ea1n nh\u01b0 c\u1ed5 phi\u1ebfu c\u1ee7a nh\u1eefng c\u00f4ng ty c\u00f3 v\u1ed1n h\u00f3a trung b\u00ecnh v\u00e0 v\u1ed1n h\u00f3a nh\u1ecf.\u00a0<\/p>\n

Nh\u1eefng lo\u1ea1i c\u1ed5 phi\u1ebfu tr\u00ean, ho\u1eb7c c\u00e1c nh\u00f3m t\u00e0i s\u1ea3n ph\u1ee5 th\u01b0\u1eddng c\u00f3 gi\u00e1 dao \u0111\u1ed9ng l\u1edbn h\u01a1n so v\u1edbi c\u00e1c c\u1ed5 phi\u1ebfu v\u1ed1n h\u00f3a l\u1edbn trong kho\u1ea3ng th\u1eddi gian ng\u1eafn, v\u00ec ch\u00fang th\u01b0\u1eddng \u00edt \u1ed5n \u0111\u1ecbnh h\u01a1n v\u00e0 d\u1ec5 b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi c\u00e1c l\u1ef1c l\u01b0\u1ee3ng kinh t\u1ebf b\u00ean ngo\u00e0i.<\/p>\n

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D\u00f9 nh\u1eefng lo\u1ea1i c\u1ed5 phi\u1ebfu tr\u00ean c\u00f3 th\u1ec3 g\u00e2y r\u1ee7i ro cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1eddi h\u1ea1n \u0111\u1ea7u t\u01b0 <\/i>ng\u1eafn, tuy nhi\u00ean nh\u1eefng dao \u0111\u1ed9ng ng\u1eafn h\u1ea1n n\u00e0y h\u1ea7u nh\u01b0 kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 mu\u1ed1n n\u1eafm gi\u1eef ch\u00fang trong kho\u1ea3ng 30 n\u0103m t\u1edbi.<\/p>\n

C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111i\u1ec1u ch\u1ec9nh danh m\u1ee5c c\u1ee7a h\u1ecd khi r\u00fat ng\u1eafn\u00a0th\u1eddi h\u1ea1n \u0111\u1ea7u t\u01b0<\/i>, th\u01b0\u1eddng l\u00e0 theo h\u01b0\u1edbng gi\u1ea3m m\u1ee9c \u0111\u1ed9 r\u1ee7i ro c\u1ee7a danh m\u1ee5c. V\u00ed d\u1ee5, h\u1ea7u h\u1ebft c\u00e1c danh m\u1ee5c \u0111\u1ea7u t\u01b0 h\u01b0u tr\u00ed \u0111\u1ec1u gi\u1ea3m t\u1ec9 l\u1ec7 n\u1eafm gi\u1eef c\u1ed5 phi\u1ebfu v\u00e0 t\u0103ng t\u1ec9 l\u1ec7 n\u1eafm gi\u1eef t\u00e0i s\u1ea3n thu nh\u1eadp c\u1ed1 \u0111\u1ecbnh khi h\u1ecd g\u1ea7n ngh\u1ec9 h\u01b0u.\u00a0<\/p>\n

C\u00e1c c\u00f4ng c\u1ee5 \u0111\u1ea7u t\u01b0 c\u00f3 thu nh\u1eadp c\u1ed1 \u0111\u1ecbnh th\u01b0\u1eddng mang l\u1ea1i l\u1ee3i nhu\u1eadn ti\u1ec1m n\u0103ng th\u1ea5p h\u01a1n so v\u1edbi c\u1ed5 phi\u1ebfu d\u00e0i h\u1ea1n, nh\u01b0ng gi\u00fap t\u0103ng s\u1ef1 \u1ed5n \u0111\u1ecbnh cho gi\u00e1 tr\u1ecb c\u1ee7a danh m\u1ee5c \u0111\u1ea7u t\u01b0 v\u00ec ch\u00fang th\u01b0\u1eddng c\u00f3 \u00edt bi\u1ebfn \u0111\u1ed9ng gi\u00e1 trong ng\u1eafn h\u1ea1n h\u01a1n.<\/p>\n

V\u00ed d\u1ee5 v\u1ec1 th\u1eddi h\u1ea1n \u0111\u1ea7u t\u01b0<\/font><\/h4>\n

Carol 30 tu\u1ed5i v\u00e0 l\u00e0m k\u0129 s\u01b0 ph\u1ea7n m\u1ec1m. C\u00f4 \u1ea5y c\u00f3 m\u1ed9t th\u1eddi h\u1ea1n \u0111\u1ea7u t\u01b0<\/b> d\u00e0i v\u00e0 kh\u00f4ng th\u00edch r\u1ee7i ro. Do \u0111\u00f3, c\u00f4 \u0111\u1ea7u t\u01b0 ti\u1ec1n ti\u1ebft ki\u1ec7m v\u00e0o m\u1ed9t ng\u00f4i nh\u00e0 v\u00e0 ch\u1ee9ng kho\u00e1n c\u00f3 thu nh\u1eadp c\u1ed1 \u0111\u1ecbnh s\u1ebd \u0111\u00e1o h\u1ea1n trong 20 n\u0103m t\u1edbi.<\/p>\n

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

\n Th\u1eddi h\u1ea1n \u0111\u1ea7u t\u01b0 (ti\u1ebfng Anh: Investment Horizon) l\u00e0 thu\u1eadt ng\u1eef \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 m\u00f4 t\u1ea3 t\u1ed5ng \u0111\u1ed9 d\u00e0i th\u1eddi gian m\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 d\u1ef1 ki\u1ebfn \u200b\u200bs\u1ebd n\u1eafm gi\u1eef ch\u1ee9ng kho\u00e1n ho\u1eb7c danh m\u1ee5c \u0111\u1ea7u t\u01b0.\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\/31387"}],"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=31387"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/31387\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=31387"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=31387"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=31387"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}