{"id":31527,"date":"2023-12-07T10:42:28","date_gmt":"2023-12-07T10:42:28","guid":{"rendered":"https:\/\/masterskills.org\/blog\/trung-binh-chi-phi-bang-do-la-dollar-cost-averaging-la-gi.html"},"modified":"2023-12-23T08:17:44","modified_gmt":"2023-12-23T01:17:44","slug":"trung-binh-chi-phi-bang-do-la-dollar-cost-averaging-la-gi","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/trung-binh-chi-phi-bang-do-la-dollar-cost-averaging-la-gi.html","title":{"rendered":"Trung b\u00ecnh chi ph\u00ed b\u1eb1ng \u0111\u00f4 la (Dollar-Cost Averaging) l\u00e0 g\u00ec?"},"content":{"rendered":"
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Hi\u0300nh minh ho\u0323a. Ngu\u00f4\u0300n: Youtube.com<\/i><\/p>\n<\/div>\n<\/div>\n

Trung b\u00ecnh chi ph\u00ed b\u1eb1ng \u0111\u00f4 la\u00a0<\/font><\/h2>\n

Kha\u0301i ni\u00ea\u0323m<\/b><\/p>\n

Trung b\u00ecnh chi ph\u00ed b\u1eb1ng \u0111\u00f4 la<\/b>\u00a0trong ti\u00ea\u0301ng Anh la\u0300\u00a0Dollar-Cost Averaging<\/b>.<\/p>\n

Chi\u1ebfn l\u01b0\u1ee3c trung b\u00ecnh chi ph\u00ed b\u1eb1ng \u0111\u00f4 la<\/b> lo\u1ea1i b\u1ecf ph\u1ea7n l\u1edbn c\u00f4ng vi\u1ec7c nho\u0309 nh\u1eb7t trong n\u00f4\u0303 l\u01b0\u0323c canh ca\u0301c th\u1eddi \u0111i\u00ea\u0309m tr\u00ean th\u1ecb tr\u01b0\u1eddng \u0111\u1ec3 mua c\u1ed5 phi\u1ebfu v\u1edbi gi\u00e1 t\u1ed1t nh\u1ea5t. Chi\u00ea\u0301n l\u01b0\u01a1\u0323c trung b\u00ecnh chi ph\u00ed b\u1eb1ng \u0111\u00f4 la c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 k\u1ebf ho\u1ea1ch \u0111\u00f4 la kh\u00f4ng \u0111\u1ed5i.<\/p>\n

Hi\u1ec3u v\u00ea\u0300 chi\u00ea\u0301n l\u01b0\u01a1\u0323c trung b\u00ecnh chi ph\u00ed b\u1eb1ng \u0111\u00f4 la<\/font><\/h3>\n

Trung b\u00ecnh chi ph\u00ed b\u1eb1ng \u0111\u00f4 la<\/b> l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 m\u00e0 m\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng \u0111\u1ec3 ti\u0301ch go\u0301p ca\u0301c khoa\u0309n ti\u1ebft ki\u1ec7m v\u00e0 tr\u01a1\u0309 n\u00ean gi\u00e0u c\u00f3 sau m\u1ed9t khoa\u0309ng th\u1eddi gian d\u00e0i. \u0110\u00f3 c\u0169ng l\u00e0 m\u1ed9t c\u00e1ch \u0111\u1ec3 m\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00f4 hi\u1ec7u h\u00f3a s\u1ef1 bi\u1ebfn \u0111\u1ed9ng ng\u1eafn h\u1ea1n trong th\u1ecb tr\u01b0\u1eddng v\u1ed1n c\u1ed5 ph\u1ea7n r\u1ed9ng l\u1edbn h\u01a1n.\u00a0<\/p>\n

M\u1ed9t v\u00ed d\u1ee5 cho trung b\u00ecnh chi ph\u00ed b\u1eb1ng \u0111\u00f4 la l\u00e0 vi\u1ec7c s\u1eed d\u1ee5ng n\u00f3 trong c\u00e1c k\u1ebf ho\u1ea1ch 401(k)<\/b>, trong \u0111\u00f3 ca\u0301c giao di\u0323ch th\u01b0\u1eddng xuy\u00ean \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1ea5t k\u1ec3 gi\u00e1 c\u1ee7a b\u1ea5t k\u1ef3 v\u1ed1n c\u00f4\u0309 ph\u00e2\u0300n n\u00e0o trong t\u00e0i kho\u1ea3n.<\/p>\n

Trong k\u1ebf ho\u1ea1ch 401(k), m\u1ed9t nh\u00e2n vi\u00ean c\u00f3 th\u1ec3 ch\u1ecdn m\u1ed9t m\u1ee9c l\u01b0\u01a1ng x\u00e1c \u0111\u1ecbnh tr\u01b0\u1edbc m\u00e0 h\u1ecd mu\u1ed1n \u0111\u1ea7u t\u01b0 v\u00e0o m\u1ed9t ba\u0309ng g\u1ed3m c\u00e1c qu\u0129<\/span> t\u01b0\u01a1ng h\u1ed7 ho\u1eb7c quy\u0303 ch\u1ec9 s\u1ed1. Khi m\u1ed9t nh\u00e2n vi\u00ean nh\u1eadn \u0111\u01b0\u1ee3c ti\u1ec1n l\u01b0\u01a1ng c\u1ee7a h\u1ecd, s\u1ed1 ti\u1ec1n m\u00e0 nh\u00e2n vi\u00ean \u0111\u00e3 ch\u1ecdn \u0111\u1ec3 \u0111\u00f3ng g\u00f3p v\u00e0o kho\u1ea3n 401 (k) se\u0303 \u0111\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c l\u1ef1a ch\u1ecdn \u0111\u1ea7u t\u01b0 c\u1ee7a h\u1ecd.<\/p>\n

Trung b\u00ecnh chi ph\u00ed b\u1eb1ng \u0111\u00f4 la c\u0169ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng ngoa\u0300i c\u00e1c k\u1ebf ho\u1ea1ch 401(k), ch\u1eb3ng h\u1ea1n nh\u01b0 c\u00e1c t\u00e0i kho\u1ea3n qu\u0129<\/span> t\u01b0\u01a1ng h\u1ed7 ho\u1eb7c quy\u0303 ch\u1ec9 s\u1ed1. Ngo\u00e0i ra, nhi\u1ec1u k\u1ebf ho\u1ea1ch t\u00e1i \u0111\u1ea7u t\u01b0 c\u1ed5 t\u1ee9c cho ph\u00e9p c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 b\u00ecnh qu\u00e2n chi ph\u00ed b\u1eb1ng c\u00e1ch \u0111\u00f3ng g\u00f3p th\u01b0\u1eddng xuy\u00ean.<\/p>\n

V\u00ed d\u1ee5 th\u1ef1c t\u1ebf v\u1ec1 chi\u00ea\u0301n l\u01b0\u01a1\u0323c trung b\u00ecnh chi ph\u00ed b\u1eb1ng \u0111\u00f4 la<\/font><\/h3>\n

Joe l\u00e0m vi\u1ec7c t\u1ea1i c\u00f4ng ty ABC v\u00e0 c\u00f3 k\u1ebf ho\u1ea1ch 401(k). Anh ta nh\u1eadn \u0111\u01b0\u1ee3c m\u1ed9t kho\u1ea3n l\u01b0\u01a1ng 1.000 \u0111\u00f4 la m\u1ed7i hai tu\u1ea7n. Joe quy\u1ebft \u0111\u1ecbnh ph\u00e2n b\u1ed5 10% ho\u1eb7c 100 \u0111\u00f4 la ti\u1ec1n l\u01b0\u01a1ng c\u1ee7a m\u00ecnh cho k\u1ebf ho\u1ea1ch c\u1ee7a \u00f4ng ch\u1ee7. Anh ta ch\u1ecdn \u0111\u00f3ng g\u00f3p 50% ph\u00e2n b\u1ed5 c\u1ee7a m\u00ecnh cho qu\u0129<\/span> t\u01b0\u01a1ng h\u1ed7 co\u0301 s\u00f4\u0301 v\u1ed1n h\u00f3a l\u1edbn v\u00e0 50% cho Qu\u0129 ch\u1ec9 s\u1ed1 S&P 500. C\u1ee9 sau hai tu\u1ea7n, 10%, ho\u1eb7c 100 \u0111\u00f4 la ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc thu\u1ebf c\u1ee7a Joe s\u1ebd mua 50 \u0111\u00f4 la c\u1ee7a m\u1ed7i qu\u0129<\/span> n\u00e0y b\u1ea5t k\u1ec3 gi\u00e1 c\u1ee7a qu\u0129<\/span> l\u00e0 bao nhi\u00eau.<\/p>\n

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Hi\u0300nh minh ho\u0323a. Ngu\u00f4\u0300n: Investopedia.com<\/i><\/p>\n<\/div>\n<\/div>\n

B\u1ea3ng tr\u00ean \u0111\u00e2y cho th\u1ea5y m\u1ed9t n\u1eeda s\u1ed1 \u0111\u00f3ng g\u00f3p 100 \u0111\u00f4 la c\u1ee7a Joe cho qu\u0129<\/span> ch\u1ec9 s\u1ed1 S&P 500 trong 10 k\u1ef3 thanh to\u00e1n. Trong su\u1ed1t m\u01b0\u1eddi b\u1ea3ng l\u01b0\u01a1ng, Joe \u0111\u00e3 \u0111\u1ea7u t\u01b0 t\u1ed5ng c\u1ed9ng 500 \u0111\u00f4 la ho\u1eb7c 50 \u0111\u00f4 la m\u1ed7i tu\u1ea7n. Tuy nhi\u00ean, v\u00ec gi\u00e1 c\u1ee7a qu\u0129<\/span> t\u0103ng v\u00e0 gi\u1ea3m trong v\u00e0i tu\u1ea7n, gi\u00e1 trung b\u00ecnh c\u1ee7a Joe, l\u00ean t\u1edbi 10,48 \u0111\u00f4 la. M\u1ee9c trung b\u00ecnh cao h\u01a1n so v\u1edbi mua ban \u0111\u1ea7u c\u1ee7a anh ta, nh\u01b0ng n\u00f3 th\u1ea5p h\u01a1n m\u1ee9c gi\u00e1 cao nh\u1ea5t c\u1ee7a qu\u0129<\/span>. \u0110i\u1ec1u n\u00e0y cho ph\u00e9p Joe t\u1eadn d\u1ee5ng s\u1ef1 bi\u1ebfn \u0111\u1ed9ng c\u1ee7a th\u1ecb tr\u01b0\u1eddng khi qu\u0129<\/span> ch\u1ec9 s\u1ed1 t\u0103ng v\u00e0 gi\u1ea3m gi\u00e1 tr\u1ecb.<\/p>\n

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

\n Trung b\u00ecnh chi ph\u00ed b\u1eb1ng \u0111\u00f4 la (ti\u00ea\u0301ng Anh: Dollar-Cost Averaging) l\u00e0 chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 m\u00e0 \u01a1\u0309 \u0111o\u0301 nh\u00e0 \u0111\u1ea7u t\u01b0 chia t\u1ed5ng s\u1ed1 ti\u1ec1n \u0111\u1ea7u t\u01b0 cho c\u00e1c giao d\u1ecbch mua \u0111\u1ecbnh k\u00ec c\u1ee7a t\u00e0i s\u1ea3n m\u1ee5c ti\u00eau nh\u1eb1m gi\u1ea3m t\u00e1c \u0111\u1ed9ng c\u1ee7a bi\u1ebfn \u0111\u1ed9ng l\u00ean t\u1ed5ng th\u1ec3 giao di\u0323ch.\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\/31527"}],"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=31527"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/31527\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=31527"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=31527"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=31527"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}