{"id":48259,"date":"2025-09-08T14:53:50","date_gmt":"2025-09-08T07:53:50","guid":{"rendered":"https:\/\/hbbgroup.net\/bi-quyet-sinh-ton-neu-bong-dung-trung-so-doc-dac\/"},"modified":"2025-09-08T14:53:50","modified_gmt":"2025-09-08T07:53:50","slug":"bi-quyet-sinh-ton-neu-bong-dung-trung-so-doc-dac","status":"publish","type":"post","link":"https:\/\/hbbgroup.net\/zh\/bi-quyet-sinh-ton-neu-bong-dung-trung-so-doc-dac\/","title":{"rendered":"B\u00ed quy\u1ebft sinh t\u1ed3n n\u1ebfu b\u1ed7ng d\u01b0ng tr\u00fang s\u1ed1 \u0111\u1ed9c \u0111\u1eafc"},"content":{"rendered":"
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Con s\u1ed1 1,8 t\u1ef7 USD c\u00f3 s\u1ee9c m\u1ea1nh bi\u1ebfn m\u1ed9t ng\u01b0\u1eddi b\u00ecnh th\u01b0\u1eddng th\u00e0nh m\u1ed9t \u0111\u1ebf ch\u1ebf t\u00e0i ch\u00ednh<\/a> ch\u1ec9 sau m\u1ed9t \u0111\u00eam. Gi\u1ea5c m\u01a1 \u0111\u1ed5i \u0111\u1eddi th\u1eadt \u0111\u1eb9p, nh\u01b0ng l\u1ecbch s\u1eed \u0111\u00e3 ch\u1ee9ng minh, con \u0111\u01b0\u1eddng t\u1eeb “tr\u00fang s\u1ed1” \u0111\u1ebfn “s\u1ed1ng trong nhung l\u1ee5a” l\u1ea1i \u0111\u1ea7y r\u1eaby c\u1ea1m b\u1eaby c\u00f3 th\u1ec3 bi\u1ebfn gi\u1ea5c m\u01a1 th\u00e0nh bi k\u1ecbch t\u00e0i ch\u00ednh.<\/p>\n

Robert Pagliarini, t\u00e1c gi\u1ea3 cu\u1ed1n \u201cThe Sudden Wealth Solution\u201d v\u1edbi h\u01a1n 20 n\u0103m kinh nghi\u1ec7m t\u01b0 v\u1ea5n cho nh\u1eefng \u201ctri\u1ec7u ph\u00fa b\u1ea5t \u0111\u1eafc d\u0129\u201d, th\u1eb3ng th\u1eafn chia s\u1ebb: \u201cN\u1ed7i lo l\u1edbn nh\u1ea5t c\u1ee7a nh\u1eefng ng\u01b0\u1eddi b\u1ed7ng d\u01b0ng c\u00f3 nhi\u1ec1u ti\u1ec1n, \u0111\u1eb7c bi\u1ec7t l\u00e0 tr\u00fang s\u1ed1, l\u00e0 s\u1ee3 ch\u00ednh m\u00ecnh s\u1ebd ph\u00e1 h\u1ecfng t\u1ea5t c\u1ea3\u201d.<\/p>\n

V\u1eady, n\u1ebfu b\u1ea1n l\u00e0 ng\u01b0\u1eddi may m\u1eafn \u0111\u00f3, b\u1ea1n c\u1ea7n l\u00e0m g\u00ec \u0111\u1ec3 bi\u1ebfn kho\u1ea3n ti\u1ec1n tr\u1eddi cho th\u00e0nh m\u1ed9t di s\u1ea3n b\u1ec1n v\u1eefng thay v\u00ec m\u1ed9t l\u1eddi nguy\u1ec1n t\u00e0i ch\u00ednh? \u0110\u00e2y kh\u00f4ng ch\u1ec9 l\u00e0 nh\u1eefng l\u1eddi khuy\u00ean, \u0111\u00e2y l\u00e0 m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c sinh t\u1ed3n.<\/p>\n

\"B\u00ed
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Hai ng\u01b0\u1eddi ch\u01a1i Powerball t\u1ea1i Missouri v\u00e0 Texas \u0111\u00e3 tr\u00fang c\u1ea3 6 con s\u1ed1 trong k\u1ef3 quay cu\u1ed1i tu\u1ea7n qua, c\u00f9ng chia nhau gi\u1ea3i \u0111\u1ed9c \u0111\u1eafc \u01b0\u1edbc t\u00ednh 1,8 t\u1ef7 USD (\u1ea2nh: Fox).<\/p>\n<\/figcaption><\/figure>\n

Giai \u0111o\u1ea1n 1: 72 gi\u1edd v\u00e0ng \u2013 im l\u1eb7ng v\u00e0 b\u1ea3o m\u1eadt tuy\u1ec7t \u0111\u1ed1i<\/strong><\/p>\n

Kho\u1ea3nh kh\u1eafc b\u1ea1n nh\u1eadn ra m\u00ecnh \u0111\u00e3 tr\u00fang gi\u1ea3i, adrenaline s\u1ebd d\u00e2ng tr\u00e0o. Nh\u01b0ng \u0111\u00e2y ch\u00ednh l\u00e0 l\u00fac c\u1ea7n m\u1ed9t c\u00e1i \u0111\u1ea7u l\u1ea1nh h\u01a1n bao gi\u1edd h\u1ebft. Nh\u1eefng h\u00e0nh \u0111\u1ed9ng \u0111\u1ea7u ti\u00ean c\u1ee7a b\u1ea1n s\u1ebd quy\u1ebft \u0111\u1ecbnh 90% th\u00e0nh c\u00f4ng trong vi\u1ec7c b\u1ea3o v\u1ec7 kh\u1ed1i t\u00e0i s\u1ea3n n\u00e0y.<\/p>\n

Bi\u1ebfn t\u1ea5m v\u00e9 th\u00e0nh ph\u00e1o \u0111\u00e0i b\u1ea5t kh\u1ea3 x\u00e2m ph\u1ea1m<\/em><\/p>\n

T\u1edd v\u00e9 s\u1ed1 l\u00fac n\u00e0y c\u00f2n qu\u00fd h\u01a1n v\u00e0ng, nh\u01b0ng v\u1ec1 b\u1ea3n ch\u1ea5t, n\u00f3 ch\u1ec9 l\u00e0 m\u1ed9t m\u1ea3nh gi\u1ea5y. Cho \u0111\u1ebfn khi \u0111\u01b0\u1ee3c k\u00fd, n\u00f3 l\u00e0 m\u1ed9t “ch\u1ee9ng t\u1eeb v\u00f4 danh” – ai c\u1ea7m, ng\u01b0\u1eddi \u0111\u00f3 h\u01b0\u1edfng.<\/p>\n

H\u00e0nh \u0111\u1ed9ng ngay: H\u00e3y k\u00fd t\u00ean v\u00e0o m\u1eb7t sau c\u1ee7a t\u1ea5m v\u00e9. \u0110\u00e2y l\u00e0 b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean \u0111\u1ec3 x\u00e1c l\u1eadp quy\u1ec1n s\u1edf h\u1eefu.<\/p>\n

T\u1ea1o b\u1eb1ng ch\u1ee9ng s\u1ed1: “T\u00f4i s\u1ebd ch\u1ee5p \u1ea3nh selfie v\u00e0 quay video v\u1edbi t\u1edd v\u00e9 s\u1ed1”, chuy\u00ean gia Pagliarini khuy\u00ean. H\u00e3y sao l\u01b0u nh\u1eefng h\u00ecnh \u1ea3nh n\u00e0y l\u00ean \u0111\u00e1m m\u00e2y v\u00e0 g\u1eedi v\u00e0o email c\u1ee7a ch\u00ednh b\u1ea1n. Ch\u1ee5p ho\u1eb7c photocopy th\u00eam v\u00e0i b\u1ea3n.<\/p>\n

C\u1ea5t gi\u1eef an to\u00e0n: C\u1ea5t ngay t\u1ea5m v\u00e9 v\u00e0o k\u00e9t s\u1eaft an to\u00e0n \u1edf ng\u00e2n h\u00e0ng ho\u1eb7c m\u1ed9t n\u01a1i \u0111\u01b0\u1ee3c b\u1ea3o m\u1eadt tuy\u1ec7t \u0111\u1ed1i.<\/p>\n

Quy t\u1eafc im l\u1eb7ng l\u00e0 v\u00e0ng<\/em><\/p>\n

\u0110\u00e2y l\u00e0 l\u1eddi khuy\u00ean quan tr\u1ecdng nh\u1ea5t \u0111\u01b0\u1ee3c t\u1ea5t c\u1ea3 c\u00e1c chuy\u00ean gia \u0111\u1ed3ng thanh nh\u1eafc l\u1ea1i: “Gi\u1eef m\u1ed3m gi\u1eef mi\u1ec7ng”.<\/p>\n

Kh\u00f4ng khoe khoang: “\u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t b\u1ea1n kh\u00f4ng \u0111\u01b0\u1ee3c l\u00e0m l\u00e0 \u0111i khoe khoang kh\u1eafp n\u01a1i”, chuy\u00ean gia t\u00e0i ch\u00ednh Rob Wilson nh\u1ea5n m\u1ea1nh. \u0110\u1eebng \u0111\u0103ng l\u00ean m\u1ea1ng x\u00e3 h\u1ed9i, \u0111\u1eebng b\u00e1o cho c\u1ea3 h\u1ecd h\u00e0ng, \u0111\u1eebng \u0103n m\u1eebng \u1edf n\u01a1i c\u00f4ng c\u1ed9ng.<\/p>\n

V\u00f2ng tr\u00f2n tin t\u01b0\u1edfng t\u1ed1i thi\u1ec3u: “T\u00f4i s\u1ebd ch\u1ec9 n\u00f3i cho v\u1ee3\/ch\u1ed3ng b\u1ea1n, k\u1ebf to\u00e1n v\u00e0 lu\u1eadt s\u01b0 c\u1ee7a b\u1ea1n”, Wilson n\u00f3i. C\u00e0ng \u00edt ng\u01b0\u1eddi bi\u1ebft, b\u1ea1n c\u00e0ng an to\u00e0n tr\u01b0\u1edbc nh\u1eefng l\u1eddi c\u1ea7u xin, nh\u1eefng k\u1ebf ho\u1ea1ch l\u1eeba \u0111\u1ea3o, v\u00e0 c\u1ea3 nh\u1eefng m\u1ed1i nguy hi\u1ec3m ti\u1ec1m t\u00e0ng.<\/p>\n

H\u00e3y nh\u1edb c\u00e2u chuy\u1ec7n c\u1ee7a Timothy Schultz, ng\u01b0\u1eddi tr\u00fang 29 tri\u1ec7u USD n\u0103m 21 tu\u1ed5i. Sau bu\u1ed5i h\u1ecdp b\u00e1o c\u00f4ng khai danh t\u00ednh, cu\u1ed9c \u0111\u1eddi anh thay \u0111\u1ed5i m\u00e3i m\u00e3i. “T\u00f4i kh\u00f4ng c\u00f2n l\u00e0 t\u00f4i n\u1eefa m\u00e0 l\u00e0 Tim – ng\u01b0\u1eddi tr\u00fang x\u1ed5 s\u1ed1”. Anh li\u00ean t\u1ee5c b\u1ecb ng\u01b0\u1eddi l\u1ea1 ti\u1ebfp c\u1eadn. S\u1ef1 ri\u00eang t\u01b0 ho\u00e0n to\u00e0n bi\u1ebfn m\u1ea5t.<\/p>\n

Giai \u0111o\u1ea1n 2: X\u00e2y d\u1ef1ng “n\u1ed9i c\u00e1c” quy\u1ec1n l\u1ef1c<\/strong><\/p>\n

Tr\u01b0\u1edbc khi \u0111\u1ebfn c\u01a1 quan x\u1ed5 s\u1ed1<\/a> \u0111\u1ec3 nh\u1eadn gi\u1ea3i, b\u1ea1n c\u1ea7n x\u00e2y d\u1ef1ng m\u1ed9t \u0111\u1ed9i ng\u0169 chuy\u00ean gia \u0111\u1ec3 b\u1ea3o v\u1ec7 b\u1ea1n v\u00e0 t\u00e0i s\u1ea3n c\u1ee7a b\u1ea1n. \u0110\u1eebng h\u00e0nh \u0111\u1ed9ng m\u1ed9t m\u00ecnh. B\u1ea1n kh\u00f4ng c\u00f2n l\u00e0 m\u1ed9t c\u00e1 nh\u00e2n, b\u1ea1n gi\u1edd l\u00e0 CEO c\u1ee7a m\u1ed9t t\u1eadp \u0111o\u00e0n t\u00e0i ch\u00ednh mang t\u00ean ch\u00ednh m\u00ecnh.<\/p>\n

“B\u1ed9 ba” c\u1ed1 v\u1ea5n t\u1ed1i cao<\/em><\/p>\n

Mark J. White, \u0111\u1ed1i t\u00e1c qu\u1ea3n l\u00fd t\u1ea1i Karpf, White & Associates, nh\u1ea5n m\u1ea1nh r\u1eb1ng vi\u1ec7c c\u00f3 m\u1ed9t \u0111\u1ed9i ng\u0169 m\u1ea1nh l\u00e0 “then ch\u1ed1t”.<\/p>\n

Lu\u1eadt s\u01b0 chuy\u00ean v\u1ec1 k\u1ebf ho\u1ea1ch t\u00e0i s\u1ea3n: \u0110\u00e2y l\u00e0 ng\u01b0\u1eddi quan tr\u1ecdng nh\u1ea5t. H\u1ecd s\u1ebd gi\u00fap b\u1ea1n quy\u1ebft \u0111\u1ecbnh c\u1ea5u tr\u00fac ph\u00e1p l\u00fd \u0111\u1ec3 nh\u1eadn gi\u1ea3i, b\u1ea3o v\u1ec7 danh t\u00ednh v\u00e0 l\u1eadp di ch\u00fac. Andrew Mims, nh\u00e0 s\u00e1ng l\u1eadp Oak Grove Estate Planning, khuy\u00ean n\u00ean t\u00ecm \u0111\u1ebfn m\u1ed9t lu\u1eadt s\u01b0 chuy\u00ean v\u1ec1 qu\u1ef9 t\u00edn th\u00e1c (trust).<\/p>\n

K\u1ebf to\u00e1n c\u00f4ng (CPA): Ng\u01b0\u1eddi n\u00e0y s\u1ebd l\u00e0 “b\u1ed9 n\u00e3o” thu\u1ebf c\u1ee7a b\u1ea1n. H\u1ecd s\u1ebd gi\u00fap b\u1ea1n hi\u1ec3u r\u00f5 c\u00e1c ngh\u0129a v\u1ee5 thu\u1ebf kh\u1ed5ng l\u1ed3 \u1edf c\u1ea5p li\u00ean bang v\u00e0 ti\u1ec3u bang, t\u1eeb \u0111\u00f3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh nh\u1eadn ti\u1ec1n n\u00e0o c\u00f3 l\u1ee3i nh\u1ea5t. “\u0110\u1eebng l\u00ean k\u1ebf ho\u1ea1ch nh\u01b0 th\u1ec3 b\u1ea1n c\u00f3 to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n, v\u00ec m\u1ed9t ph\u1ea7n l\u1edbn s\u1ebd ph\u1ea3i n\u1ed9p thu\u1ebf,” Mims c\u1ea3nh b\u00e1o.<\/p>\n

C\u1ed1 v\u1ea5n\/Nh\u00e0 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh: B\u1ea1n c\u1ea7n \u00edt nh\u1ea5t m\u1ed9t, th\u1eadm ch\u00ed hai c\u1ed1 v\u1ea5n t\u00e0i ch\u00ednh uy t\u00edn. H\u1ecd s\u1ebd gi\u00fap b\u1ea1n x\u00e2y d\u1ef1ng m\u1ed9t danh m\u1ee5c \u0111\u1ea7u t\u01b0 \u0111a d\u1ea1ng, ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c ti\u00eau d\u00e0i h\u1ea1n, thay v\u00ec lao v\u00e0o nh\u1eefng th\u01b0\u01a1ng v\u1ee5 \u0111\u1ea7u t\u01b0 li\u1ec1u l\u0129nh.<\/p>\n

L\u01b0u \u00fd c\u1ef1c k\u1ef3 quan tr\u1ecdng:<\/strong> “Kh\u00f4ng bao gi\u1edd, tuy\u1ec7t \u0111\u1ed1i kh\u00f4ng bao gi\u1edd k\u00fd gi\u1ea5y \u1ee7y quy\u1ec1n (power of attorney) cho b\u1ea5t k\u1ef3 c\u1ed1 v\u1ea5n n\u00e0o”, chuy\u00ean gia Rob Wilson c\u1ea3nh b\u00e1o \u0111anh th\u00e9p, “v\u00ec \u0111i\u1ec1u \u0111\u00f3 trao cho h\u1ecd qu\u00e1 nhi\u1ec1u quy\u1ec1n ki\u1ec3m so\u00e1t ti\u1ec1n c\u1ee7a b\u1ea1n”.<\/p>\n

L\u00e1 ch\u1eafn ph\u00e1p l\u00fd: S\u1ed1ng d\u01b0\u1edbi t\u1ea5m m\u00e0n b\u00ed m\u1eadt <\/em><\/p>\n

C\u00e1ch t\u1ed1t nh\u1ea5t \u0111\u1ec3 b\u1ea3o v\u1ec7 s\u1ef1 ri\u00eang t\u01b0 l\u00e0 nh\u1eadn ti\u1ec1n th\u01b0\u1edfng th\u00f4ng qua m\u1ed9t th\u1ef1c th\u1ec3 ph\u00e1p l\u00fd thay v\u00ec v\u1edbi t\u01b0 c\u00e1ch c\u00e1 nh\u00e2n.<\/p>\n

L\u1eadp Qu\u1ef9 T\u00edn Th\u00e1c (Trust): \u0110\u00e2y l\u00e0 c\u00f4ng c\u1ee5 \u0111\u01b0\u1ee3c c\u00e1c chuy\u00ean gia \u0111\u00e1nh gi\u00e1 cao nh\u1ea5t. Ngay c\u1ea3 \u1edf nh\u1eefng bang y\u00eau c\u1ea7u c\u00f4ng khai danh t\u00ednh, vi\u1ec7c nh\u1eadn gi\u1ea3i th\u00f4ng qua m\u1ed9t qu\u1ef9 t\u00edn th\u00e1c c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n \u1ea9n m\u00ecnh. H\u01a1n n\u1eefa, qu\u1ef9 t\u00edn th\u00e1c cho ph\u00e9p b\u1ea1n \u0111\u1eb7t ra c\u00e1c quy t\u1eafc chi ti\u00eau r\u00f5 r\u00e0ng, b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n kh\u1ecfi nh\u1eefng quy\u1ebft \u0111\u1ecbnh b\u1ed1c \u0111\u1ed3ng v\u00e0 \u0111\u1ea3m b\u1ea3o n\u00f3 \u0111\u01b0\u1ee3c truy\u1ec1n l\u1ea1i cho nhi\u1ec1u th\u1ebf h\u1ec7.<\/p>\n

C\u00f4ng ty Tr\u00e1ch nhi\u1ec7m h\u1eefu h\u1ea1n (LLC): \u0110\u00e2y c\u0169ng l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn \u0111\u1ec3 \u1ea9n danh.<\/p>\n

Sau khi thi\u1ebft l\u1eadp l\u00e1 ch\u1eafn n\u00e0y, b\u1ea1n c\u00f3 th\u1ec3 thu\u00ea m\u1ed9t c\u00f4ng ty chuy\u00ean nghi\u1ec7p \u0111\u1ec3 “d\u1ecdn d\u1eb9p” d\u1ea5u v\u1ebft k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a b\u1ea1n, x\u00f3a b\u1ecf th\u00f4ng tin c\u00e1 nh\u00e2n kh\u1ecfi internet v\u00e0 theo d\u00f5i c\u00e1c t\u00e0i kho\u1ea3n m\u1ea1o danh.<\/p>\n

\"B\u00ed
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Andrew Mims chia s\u1ebb v\u1edbi FOX Business r\u1eb1ng c\u00e1ch t\u1ed1t nh\u1ea5t \u0111\u1ec3 nh\u1eadn gi\u1ea3i th\u01b0\u1edfng x\u1ed5 s\u1ed1 l\u00e0 th\u00f4ng qua vi\u1ec7c l\u1eadp m\u1ed9t qu\u1ef9 t\u00edn th\u00e1c (\u1ea2nh: Reuters).<\/p>\n<\/figcaption><\/figure>\n

Giai \u0111o\u1ea1n 3: Nh\u1eadn “m\u1ed9t c\u1ee5c” hay “nh\u1ecf gi\u1ecdt”?<\/strong><\/p>\n

\u0110\u00e2y l\u00e0 quy\u1ebft \u0111\u1ecbnh t\u00e0i ch\u00ednh l\u1edbn nh\u1ea5t cu\u1ed9c \u0111\u1eddi b\u1ea1n: nh\u1eadn to\u00e0n b\u1ed9 ti\u1ec1n m\u1eb7t m\u1ed9t l\u1ea7n (lump sum) hay nh\u1eadn tr\u1ea3 g\u00f3p h\u00e0ng n\u0103m trong 30 n\u0103m (annuity)? Kh\u00f4ng c\u00f3 c\u00e2u tr\u1ea3 l\u1eddi n\u00e0o \u0111\u00fang cho t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi. M\u1ed7i l\u1ef1a ch\u1ecdn \u0111\u1ec1u c\u00f3 \u01b0u v\u00e0 nh\u01b0\u1ee3c \u0111i\u1ec3m r\u00f5 r\u00e0ng.<\/p>\n

K\u1ecbch b\u1ea3n 1: Nh\u1eadn ti\u1ec1n \u201cm\u1ed9t c\u1ee5c\u201d (lump sum)<\/em><\/p>\n

V\u1edbi l\u1ef1a ch\u1ecdn n\u00e0y, t\u1eeb gi\u1ea3i \u0111\u1ed9c \u0111\u1eafc 1,8 t\u1ef7 USD, ng\u01b0\u1eddi tr\u00fang s\u1ebd nh\u1eadn v\u1ec1 kho\u1ea3ng 820,6 tri\u1ec7u USD ti\u1ec1n m\u1eb7t tr\u01b0\u1edbc thu\u1ebf. Ngh\u0129a l\u00e0 b\u1ea1n c\u00f3 to\u00e0n quy\u1ec1n n\u1eafm gi\u1eef s\u1ed1 ti\u1ec1n kh\u1ed5ng l\u1ed3 ngay l\u1eadp t\u1ee9c, c\u00f3 th\u1ec3 d\u00f9ng \u0111\u1ec3 \u0111\u1ea7u t\u01b0, kinh doanh, l\u00e0m t\u1eeb thi\u1ec7n<\/a> ho\u1eb7c \u0111\u01a1n gi\u1ea3n l\u00e0 ti\u00eau x\u00e0i theo \u00fd mu\u1ed1n. N\u1ebfu bi\u1ebft x\u00e2y d\u1ef1ng chi\u1ebfn l\u01b0\u1ee3c t\u00e0i ch\u00ednh kh\u00f4n ngoan, s\u1ed1 ti\u1ec1n n\u00e0y ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 sinh l\u1eddi nhanh h\u01a1n nhi\u1ec1u so v\u1edbi ph\u01b0\u01a1ng \u00e1n nh\u1eadn d\u1ea7n theo n\u0103m.<\/p>\n

M\u1ed9t l\u1ee3i th\u1ebf quan tr\u1ecdng n\u1eefa l\u00e0 t\u00e0i s\u1ea3n s\u1ebd \u0111\u01b0\u1ee3c \u0111\u1ec3 l\u1ea1i to\u00e0n b\u1ed9 cho ng\u01b0\u1eddi th\u1eeba k\u1ebf n\u1ebfu b\u1ea1n qua \u0111\u1eddi, thay v\u00ec b\u1ecb \u201cd\u1eebng l\u1ea1i\u201d nh\u01b0 h\u00ecnh th\u1ee9c tr\u1ea3 g\u00f3p h\u1eb1ng n\u0103m.<\/p>\n

Tuy v\u1eady, k\u1ecbch b\u1ea3n n\u00e0y c\u0169ng \u0111i k\u00e8m th\u00e1ch th\u1ee9c r\u1ea5t l\u1edbn. Ng\u01b0\u1eddi tr\u00fang th\u01b0\u1edfng s\u1ebd ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi kho\u1ea3n thu\u1ebf kh\u1ed5ng l\u1ed3, b\u1ecb \u0111\u00e1nh ngay trong n\u0103m \u0111\u1ea7u ti\u00ean \u1edf m\u1ee9c cao nh\u1ea5t. \u0110\u1ed3ng th\u1eddi, vi\u1ec7c c\u1ea7m tr\u00ean tay c\u1ea3 n\u00fai ti\u1ec1n d\u1ec5 khi\u1ebfn b\u1ea1n sa v\u00e0o c\u00e1m d\u1ed7 ti\u00eau x\u00e0i hoang ph\u00ed ho\u1eb7c \u0111\u01b0a ra nh\u1eefng quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 sai l\u1ea7m. \u0110\u1ec3 gi\u1eef \u0111\u01b0\u1ee3c t\u00e0i s\u1ea3n, k\u1ef7 lu\u1eadt t\u00e0i ch\u00ednh g\u1ea7n nh\u01b0 l\u00e0 \u0111i\u1ec1u b\u1eaft bu\u1ed9c.<\/p>\n

K\u1ecbch b\u1ea3n 2: Nh\u1eadn \u201cnh\u1ecf gi\u1ecdt\u201d (annuity)<\/strong><\/p>\n

V\u1edbi ph\u01b0\u01a1ng \u00e1n n\u00e0y, ng\u01b0\u1eddi tr\u00fang s\u1ed1 s\u1ebd nh\u1eadn \u0111\u1ee7 1,8 t\u1ef7 USD, nh\u01b0ng \u0111\u01b0\u1ee3c chia th\u00e0nh 30 l\u1ea7n thanh to\u00e1n trong v\u00f2ng 29 n\u0103m (tr\u01b0\u1edbc thu\u1ebf). M\u1ed7i kho\u1ea3n ti\u1ec1n \u0111\u01b0\u1ee3c tr\u1ea3 s\u1ebd t\u0103ng d\u1ea7n theo th\u1eddi gian, gi\u00fap t\u1ea1o ra m\u1ed9t d\u00f2ng thu nh\u1eadp \u0111\u1ec1u \u0111\u1eb7n v\u00e0 d\u00e0i h\u1ea1n.<\/p>\n

\u0110i\u1ec3m m\u1ea1nh nh\u1ea5t c\u1ee7a l\u1ef1a ch\u1ecdn n\u00e0y l\u00e0 s\u1ef1 an to\u00e0n t\u00e0i ch\u00ednh. B\u1ea1n s\u1ebd c\u00f3 ngu\u1ed3n thu nh\u1eadp \u1ed5n \u0111\u1ecbnh trong su\u1ed1t ba th\u1eadp k\u1ef7, h\u1ea1n ch\u1ebf nguy c\u01a1 ph\u00e1 s\u1ea3n do nh\u1eefng sai l\u1ea7m qu\u1ea3n l\u00fd qu\u00e1 l\u1edbn.<\/p>\n

Nh\u00e0 ho\u1ea1ch \u0111\u1ecbnh t\u00e0i ch\u00ednh Nicholas Bunio th\u1eadm ch\u00ed cho r\u1eb1ng \u00f4ng s\u1ebd ch\u1ecdn h\u00ecnh th\u1ee9c ni\u00ean kim, b\u1edfi n\u00f3 cho ph\u00e9p ng\u01b0\u1eddi tr\u00fang \u201cm\u1eafc v\u00e0i sai l\u1ea7m nh\u1ecf c\u0169ng kh\u00f4ng \u1ea3nh h\u01b0\u1edfng nhi\u1ec1u\u201d. Ngo\u00e0i ra, g\u00e1nh n\u1eb7ng thu\u1ebf c\u0169ng nh\u1eb9 h\u01a1n v\u00ec b\u1ea1n ch\u1ec9 ph\u1ea3i \u0111\u00f3ng thu\u1ebf tr\u00ean s\u1ed1 ti\u1ec1n nh\u1eadn \u0111\u01b0\u1ee3c m\u1ed7i n\u0103m.<\/p>\n

Tuy nhi\u00ean, nh\u01b0\u1ee3c \u0111i\u1ec3m c\u1ee7a h\u00ecnh th\u1ee9c n\u00e0y l\u00e0 thi\u1ebfu s\u1ef1 linh ho\u1ea1t. Ng\u01b0\u1eddi tr\u00fang kh\u00f4ng c\u00f3 ngay m\u1ed9t kho\u1ea3n v\u1ed1n l\u1edbn \u0111\u1ec3 \u0111\u1ea7u t\u01b0 ho\u1eb7c th\u1ef1c hi\u1ec7n nh\u1eefng k\u1ebf ho\u1ea1ch l\u1edbn. M\u1ed9t r\u1ee7i ro kh\u00e1c, nh\u01b0 chuy\u00ean gia Rob Wilson c\u1ea3nh b\u00e1o, l\u00e0 trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, n\u1ebfu ng\u01b0\u1eddi tr\u00fang qua \u0111\u1eddi, c\u00e1c kho\u1ea3n thanh to\u00e1n c\u00f3 th\u1ec3 ch\u1ea5m d\u1ee9t, khi\u1ebfn ng\u01b0\u1eddi th\u1eeba k\u1ebf kh\u00f4ng nh\u1eadn \u0111\u01b0\u1ee3c to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n th\u01b0\u1edfng.<\/p>\n

“L\u1ef1a ch\u1ecdn n\u00e0y r\u1ea5t c\u00e1 nh\u00e2n”, c\u1ed1 v\u1ea5n Mark J. White k\u1ebft lu\u1eadn. N\u00f3 ph\u1ee5 thu\u1ed9c v\u00e0o k\u1ef7 lu\u1eadt t\u00e0i ch\u00ednh, m\u1ee5c ti\u00eau cu\u1ed9c \u0111\u1eddi v\u00e0 kh\u1ea3 n\u0103ng ch\u1ea5p nh\u1eadn r\u1ee7i ro c\u1ee7a b\u1ea1n. H\u00e3y th\u1ea3o lu\u1eadn k\u1ef9 l\u01b0\u1ee1ng v\u1edbi “b\u1ed9 ba” c\u1ed1 v\u1ea5n c\u1ee7a m\u00ecnh tr\u01b0\u1edbc khi \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh cu\u1ed1i c\u00f9ng.<\/p>\n

V\u01b0\u1ee3t qua “l\u1eddi nguy\u1ec1n x\u1ed5 s\u1ed1”<\/strong><\/p>\n

Chi\u1ebfn th\u1eafng gi\u1ea3i \u0111\u1ed9c \u0111\u1eafc kh\u00f4ng ph\u1ea3i l\u00e0 \u0111\u00edch \u0111\u1ebfn m\u00e0 l\u00e0 \u0111i\u1ec3m kh\u1edfi \u0111\u1ea7u c\u1ee7a m\u1ed9t h\u00e0nh tr\u00ecnh ho\u00e0n to\u00e0n m\u1edbi.<\/p>\n

Gi\u00e0nh \u0111\u01b0\u1ee3c ti\u1ec1n l\u00e0 may m\u1eafn, nh\u01b0ng gi\u1eef \u0111\u01b0\u1ee3c ti\u1ec1n l\u1ea1i l\u00e0 m\u1ed9t ngh\u1ec7 thu\u1eadt. Nhi\u1ec1u ng\u01b0\u1eddi tr\u00fang s\u1ed1 nhanh ch\u00f3ng tr\u1eafng tay v\u00ec v\u1eabn mang t\u01b0 duy c\u1ee7a m\u1ed9t ng\u01b0\u1eddi \u0111i l\u00e0m c\u00f4ng \u0103n l\u01b0\u01a1ng, thay v\u00ec h\u1ecdc c\u00e1ch suy ngh\u0129 nh\u01b0 m\u1ed9t nh\u00e0 qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n.<\/p>\n

Mark J. White cho r\u1eb1ng, nh\u1eefng sai l\u1ea7m kinh \u0111i\u1ec3n th\u01b0\u1eddng l\u1eb7p l\u1ea1i \u1edf h\u1ea7u h\u1ebft ng\u01b0\u1eddi th\u1eafng gi\u1ea3i. H\u1ecd ti\u00eau x\u00e0i v\u00f4 t\u1ed9i v\u1ea1, mua s\u1eafm kh\u00f4ng c\u1ea7n ng\u00e2n s\u00e1ch v\u00e0 thay \u0111\u1ed5i l\u1ed1i s\u1ed1ng qu\u00e1 \u0111\u1ed9t ng\u1ed9t. H\u1ecd qu\u00ean m\u1ea5t ngh\u0129a v\u1ee5 thu\u1ebf, tho\u1ea3i m\u00e1i chi ti\u00eau tr\u01b0\u1edbc r\u1ed3i cho\u00e1ng v\u00e1ng khi h\u00f3a \u0111\u01a1n thu\u1ebf kh\u1ed5ng l\u1ed3 \u1eadp \u0111\u1ebfn v\u00e0o cu\u1ed1i n\u0103m. Kh\u00f4ng \u00edt ng\u01b0\u1eddi l\u1ea1i m\u1ea1o hi\u1ec3m \u0111\u1ed5 ti\u1ec1n v\u00e0o nh\u1eefng phi v\u1ee5 \u201cl\u00e0m gi\u00e0u nhanh\u201d ho\u1eb7c nghe theo l\u1eddi khuy\u00ean thi\u1ebfu chuy\u00ean m\u00f4n. V\u00e0 cu\u1ed1i c\u00f9ng, h\u1ecd d\u1ec5 tr\u1edf th\u00e0nh \u201cc\u00e2y ATM\u201d cho b\u1ea1n b\u00e8, ng\u01b0\u1eddi th\u00e2n hay th\u1eadm ch\u00ed b\u1ecb c\u00e1c \u201cchuy\u00ean gia\u201d r\u1edfm l\u1ee3i d\u1ee5ng.<\/p>\n

\u0110\u1ec3 kh\u00f4ng \u0111i v\u00e0o v\u1ebft xe \u0111\u1ed5 c\u1ee7a nh\u1eefng ng\u01b0\u1eddi tr\u00fang s\u1ed1 th\u1ea5t b\u1ea1i, h\u00e3y nh\u1edb:<\/p>\n

L\u1eadp ng\u00e2n s\u00e1ch:<\/em> H\u00e3y s\u1ed1ng d\u1ef1a tr\u00ean l\u1ee3i nhu\u1eadn t\u1eeb c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0, ch\u1ee9 kh\u00f4ng ph\u1ea3i ti\u00eau v\u00e0o ti\u1ec1n g\u1ed1c.<\/p>\n

H\u1ecdc c\u00e1ch n\u00f3i “Kh\u00f4ng”:<\/em> B\u1ea1n s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c v\u00f4 s\u1ed1 l\u1eddi \u0111\u1ec1 ngh\u1ecb, t\u1eeb \u0111\u1ea7u t\u01b0, xin x\u1ecf \u0111\u1ebfn vay m\u01b0\u1ee3n. H\u00e3y h\u1ecdc c\u00e1ch t\u1eeb ch\u1ed1i m\u1ed9t c\u00e1ch l\u1ecbch s\u1ef1 nh\u01b0ng d\u1ee9t kho\u00e1t.<\/p>\n

\u0110\u1ea7u t\u01b0 kh\u00f4n ngoan:<\/em> B\u1eaft \u0111\u1ea7u v\u1edbi nh\u1eefng l\u1ef1a ch\u1ecdn an to\u00e0n nh\u01b0 “qu\u1ef9 t\u01b0\u01a1ng h\u1ed7 chi ph\u00ed th\u1ea5p hay qu\u1ef9 ch\u1ec9 s\u1ed1”, theo l\u1eddi khuy\u00ean c\u1ee7a Steven Evensen t\u1eeb Gerber Kawasaki.<\/p>\n

T\u1eadn h\u01b0\u1edfng cu\u1ed9c s\u1ed1ng, nh\u01b0ng \u0111\u1eebng hoang ph\u00ed:<\/em> H\u00e3y cho ph\u00e9p b\u1ea3n th\u00e2n t\u1eadn h\u01b0\u1edfng th\u00e0nh qu\u1ea3, nh\u01b0ng \u0111\u1eebng thay \u0111\u1ed5i l\u1ed1i s\u1ed1ng m\u1ed9t c\u00e1ch \u0111\u1ed9t ng\u1ed9t v\u00e0 ph\u00f4 tr\u01b0\u01a1ng.<\/p>\n

Tr\u00fang s\u1ed1 kh\u00f4ng t\u1ef1 \u0111\u1ed9ng bi\u1ebfn b\u1ea1n th\u00e0nh m\u1ed9t chuy\u00ean gia t\u00e0i ch\u00ednh m\u00e0 bi\u1ebfn b\u1ea1n th\u00e0nh m\u1ee5c ti\u00eau c\u1ee7a c\u1ea3 th\u1ebf gi\u1edbi. B\u1eb1ng c\u00e1ch im l\u1eb7ng, x\u00e2y d\u1ef1ng m\u1ed9t \u0111\u1ed9i ng\u0169 v\u1eefng ch\u1eafc, v\u00e0 \u0111\u01b0a ra nh\u1eefng quy\u1ebft \u0111\u1ecbnh c\u00f3 t\u00ednh to\u00e1n, b\u1ea1n c\u00f3 th\u1ec3 bi\u1ebfn v\u1eadn may nh\u1ea5t th\u1eddi th\u00e0nh m\u1ed9t di s\u1ea3n th\u1ecbnh v\u01b0\u1ee3ng cho nhi\u1ec1u th\u1ebf h\u1ec7 mai sau.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

Con s\u1ed1 1,8 t\u1ef7 USD c\u00f3 s\u1ee9c m\u1ea1nh bi\u1ebfn m\u1ed9t ng\u01b0\u1eddi b\u00ecnh th\u01b0\u1eddng th\u00e0nh m\u1ed9t \u0111\u1ebf ch\u1ebf t\u00e0i ch\u00ednh ch\u1ec9 […]<\/p>","protected":false},"author":1,"featured_media":48260,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[94],"tags":[],"class_list":["post-48259","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tin-tuc-trong-nuoc"],"acf":[],"_links":{"self":[{"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/posts\/48259","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/comments?post=48259"}],"version-history":[{"count":0,"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/posts\/48259\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/media\/48260"}],"wp:attachment":[{"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/media?parent=48259"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/categories?post=48259"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/tags?post=48259"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}