{"id":1862,"date":"2023-09-13T01:11:40","date_gmt":"2023-09-12T20:11:40","guid":{"rendered":"https:\/\/101insurance.ca\/?p=1862"},"modified":"2025-03-27T17:30:30","modified_gmt":"2025-03-27T12:30:30","slug":"bao-hiem-nhan-tho-co-phai-la-dau-tu","status":"publish","type":"post","link":"https:\/\/101insurance.ca\/vi\/bao-hiem-nhan-tho-co-phai-la-dau-tu\/","title":{"rendered":"B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 ph\u1ea3i l\u00e0 \u0111\u1ea7u t\u01b0?"},"content":{"rendered":"\n

H\u00f4m tr\u01b0\u1edbc m\u00ecnh v\u00f4 t\u00ecnh xem \u0111\u01b0\u1ee3c 1 b\u00e0i \u0111\u0103ng kh\u00e1 th\u00fa v\u1ecb c\u1ee7a m\u1ed9t b\u1ea1n \u0111\u1ed3ng nghi\u1ec7p l\u00e0m b\u00ean ng\u00e0nh b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u1ea7u t\u01b0. \u0110\u00e2y l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 kh\u00e1 hay m\u00e0 m\u00ecnh mu\u1ed1n \u0111\u00e0o s\u00e2u h\u01a1n, v\u00ec b\u00e0i vi\u1ebft c\u1ee7a b\u1ea1n kh\u00e1 v\u1eafn t\u1eaft n\u00ean c\u00f3 nhi\u1ec1u th\u1ee9 ch\u1ec9 \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp t\u1edbi v\u1edbi b\u1ec1 n\u1ed5i, c\u00f3 th\u1ec3 khi\u1ebfn ng\u01b0\u1eddi \u0111\u1ecdc \u0111\u1ecbnh h\u01b0\u1edbng ch\u01b0a \u0111\u00fang.<\/p>\n\n\n\n

B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 ph\u1ea3i l\u00e0 \u0111\u1ea7u t\u01b0?<\/b><\/p>\n\n\n\n

\u0110\u1ec3 tr\u1ea3 l\u1eddi cho c\u00e2u h\u1ecfi n\u00e0y, m\u00ecnh xin quay l\u1ea1i \u0111\u1ecbnh ngh\u0129a c\u1ee7a \u0111\u1ea7u t\u01b0 (investing). C\u00f3 th\u1ec3 n\u00f3i ng\u1eafn g\u1ecdn, \u0111\u1ea7u t\u01b0 l\u00e0 s\u1eed d\u1ee5ng 1 s\u1ed1 ti\u1ec1n g\u1ed1c v\u00e0o m\u1ed9t ho\u1ea1t \u0111\u1ed9ng hay d\u1ef1 \u00e1n n\u00e0o \u0111\u00f3 v\u1edbi k\u1ef3 v\u1ecdng t\u1ea1o ra l\u1ee3i nhu\u1eadn t\u00e0i ch\u00ednh trong t\u01b0\u01a1ng lai. Nh\u01b0 v\u1eady, mua b\u1ea3o hi\u1ec3m c\u00f3 ph\u1ea3i l\u00e0 \u0111\u1ea7u t\u01b0 hay kh\u00f4ng?<\/p>\n\n\n\n

\"\"\/<\/figure>\n\n\n\n

C\u00f3 v\u00e0 kh\u00f4ng. C\u00e2u tr\u1ea3 l\u1eddi n\u00e0y s\u1ebd t\u00f9y thu\u1ed9c v\u00e0o s\u1ea3n ph\u1ea9m b\u1ea1n ch\u1ecdn l\u1ef1a mua. N\u1ebfu ch\u1ec9 x\u00e9t v\u1ec1 l\u1ee3i nhu\u1eadn khi b\u1ea1n c\u00f2n s\u1ed1ng, th\u00ec b\u1ea3o hi\u1ec3m d\u1ea1ng c\u00f3 k\u1ef3 h\u1ea1n (term) s\u1ebd kh\u00f4ng ph\u1ea3i l\u00e0 \u0111\u1ea7u t\u01b0, c\u00f2n b\u1ea3o hi\u1ec3m d\u1ea1ng v\u0129nh vi\u1ec5n (permanent) th\u00ec C\u00d3 TH\u1ec2 l\u00e0 \u0111\u1ea7u t\u01b0. V\u00ec n\u1ebfu trong tr\u01b0\u1eddng h\u1ee3p b\u1ea1n kh\u00f4ng m\u1ea5t \u0111i, b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, c\u00f3 th\u1ec3 \u201cl\u1eddi\u201d ho\u1eb7c \u201cl\u1ed7\u201d t\u00f9y thu\u1ed9c v\u00e0o th\u1eddi gian b\u1ea1n s\u1eeda d\u1ee5ng ph\u1ea7m ti\u1ec1n n\u00e0y. T\u1ea1i sao m\u00ecnh d\u00f9ng t\u1eeb \u201cc\u00f3 th\u1ec3\u201d? V\u00ec b\u1ea3o hi\u1ec3m d\u1ea1ng permanent c\u0169ng s\u1ebd chia ra l\u00e0m nhi\u1ec1u lo\u1ea1i kh\u00e1c nhau m\u00e0 c\u00f3 l\u1ebd \u1edf b\u00e0i vi\u1ebft n\u00e0y m\u00ecnh kh\u00f4ng th\u1ec3 gi\u1ea3i th\u00edch h\u1ebft \u0111\u01b0\u1ee3c.<\/p>\n\n\n\n

C\u00f3 n\u00ean xem b\u1ea3o hi\u1ec3m l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0?<\/b><\/p>\n\n\n\n

V\u1edbi quan \u0111i\u1ec3m c\u1ee7a c\u00e1 nh\u00e2n m\u00ecnh, th\u00ec KH\u00d4NG. V\u00ec vi\u1ec7c xem b\u1ea3o hi\u1ec3m l\u00e0 m\u1ed9t d\u1ea1ng \u0111\u1ea7u t\u01b0 s\u1ebd khi\u1ebfn suy ngh\u0129 c\u1ee7a b\u1ea1n b\u1ecb l\u1ec7ch l\u1ea1c. M\u00ecnh c\u0169ng v\u00f4 c\u00f9ng h\u1ea1n ch\u1ebf t\u1ed1i \u0111a s\u1eed d\u1ee5ng t\u1eeb \u201c\u0111\u1ea7u t\u01b0\u201d khi t\u01b0 v\u1ea5n s\u1ea3n ph\u1ea9m cho kh\u00e1ch h\u00e0ng. V\u00ec n\u1ebfu xem b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd nh\u01b0 m\u1ed9t h\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0, b\u1ea1n s\u1ebd t\u1ef1 l\u1eeba d\u1ed1i ch\u00ednh m\u00ecnh v\u00e0 s\u1ebd c\u00f3 th\u1ec3 ph\u1ea3i th\u1ea5t v\u1ecdng trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p. V\u00ec sao?<\/p>\n\n\n\n

1. Khi x\u00e9t t\u1edbi l\u1ee3i nhu\u1eadn c\u1ee7a \u0111\u1ea7u t\u01b0, c\u00e1c b\u1ea1n c\u1ea7n ph\u1ea3i x\u00e9t t\u1edbi y\u1ebfu t\u1ed1 l\u1ea1m ph\u00e1t.<\/b><\/p>\n\n\n\n

N\u1ebfu b\u1ea1n t\u1eebng \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, c\u00f3 l\u1ebd b\u1ea1n \u0111\u00e3 t\u1eebng th\u1ea5y nh\u1eefng con s\u1ed1 kh\u1ed5ng l\u1ed3 v\u1ec1 gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m sau 50-60 n\u0103m, c\u00f3 ph\u1ea3i con s\u1ed1 n\u00e0y l\u00e0m b\u1ea1n cho\u00e1ng ng\u1ee3p l\u1eafm kh\u00f4ng? Gi\u1ea3 s\u1eed v\u1edbi m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m Whole Life \u0111\u00f3ng 20 n\u0103m, m\u1ed7i th\u00e1ng \u0111\u00f3ng $100, \u1ed3, sau 50 n\u0103m m\u00ecnh c\u00f3 $45,000, trong khi t\u1ed5ng ti\u1ec1n \u0111\u00f3ng 20 n\u0103m ch\u1ec9 kho\u1ea3ng $26,000. L\u1eddi? Kh\u00f4ng! \u0110\u00d3 L\u00c0 L\u1ed6. V\u00ec gi\u1ea3 s\u1eed v\u1edbi t\u1ef7 l\u1ec7 l\u1ea1m ph\u00e1t 2%, th\u00ec n\u1ebfu b\u1ea1n ch\u1ec9 g\u1eedi ti\u1ec1n trong ng\u00e2n h\u00e0ng 20 n\u0103m, v\u00e0 \u0111\u1ec3 ti\u1ebfp s\u1ed1 ti\u1ec1n \u0111\u00f3 trong 30 n\u0103m ti\u1ebfp theo, v\u1edbi l\u00e3i su\u1ea5t 2%\/n\u0103m \u0111\u1ec3 ch\u1ed1ng l\u1ea1m ph\u00e1t th\u00f4i, th\u00ec sau 50 n\u0103m b\u1ea1n \u0111\u00e3 c\u00f3 $53,563.77 r\u1ed3i. \u0110\u00f3 l\u00e0 ch\u01b0a k\u1ec3 n\u1ebfu b\u1ea1n d\u00f9ng s\u1ed1 ti\u1ec1n n\u00e0y \u0111\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c k\u00eanh kh\u00e1c v\u1edbi l\u00e3i su\u1ea5t cao h\u01a1n th\u00ec ch\u00eanh l\u1ec7ch s\u1ebd c\u00f2n nhi\u1ec1u n\u1eefa. V\u1eady n\u00ean c\u00e1c b\u1ea1n h\u00e3y xem b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u01a1n gi\u1ea3n l\u00e0 B\u1ea2O HI\u1ec2M, b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh cho b\u1ea1n trong tr\u01b0\u1eddng h\u1ee3p r\u1ee7i ro, \u0111\u1ec3 b\u1ea1n kh\u00f4ng b\u1ecb \u0111\u1eb7t k\u1ef3 v\u1ecdng qu\u00e1 nhi\u1ec1u v\u00e0 t\u1ef1 b\u1ea3n th\u00e2n b\u1ecb \u201c\u0111\u00e1nh tr\u00e1o kh\u00e1i ni\u1ec7m\u201d. Cao l\u1eafm, b\u1ea1n h\u00e3y ch\u1ec9 n\u00ean xem b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd nh\u01b0 l\u00e0 m\u1ed9t kho\u1ea3n TI\u1ebeT KI\u1ec6M thay v\u00ec l\u00e0 \u201c\u0111\u1ea7u t\u01b0\u201d.<\/p>\n\n\n\n

\"\"\/<\/figure>\n\n\n\n

2. Gi\u1ea3 \u0111\u1ecbnh xem b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 \u0111\u1ea7u t\u01b0, th\u00ec li\u1ec7u \u0111\u00e2y c\u00f3 ph\u1ea3i l\u00e0 m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0 t\u1ed1t?<\/b><\/p>\n\n\n\n

Th\u1ee9 nh\u1ea5t, t\u1ea1i sao c\u00f3 th\u1ec3 xem b\u1ea3o hi\u1ec3m nh\u01b0 l\u00e0 1 d\u1ea1ng \u0111\u1ea7u t\u01b0? Nh\u01b0 \u0111\u00e3 nh\u1eafc \u1edf tr\u00ean, vi\u1ec7c b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 \u0111\u01b0\u1ee3c xem l\u00e0 \u0111\u1ea7u t\u01b0 hay kh\u00f4ng, c\u0169ng s\u1ebd t\u00f9y thu\u1ed9c v\u00e0o lo\u1ea1i s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m. Tr\u00ean th\u1ecb tr\u01b0\u1eddng c\u00f3 lo\u1ea1i s\u1ea3n ph\u1ea9m \u201cParticipating Whole Life\u201d, c\u00f3 th\u1ec3 xem nh\u01b0 l\u00e0 m\u1ed9t d\u1ea1ng \u0111\u1ea7u t\u01b0, v\u00ec m\u1ed7i n\u0103m b\u00ean c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd tr\u1ea3 cho ch\u1ee7 h\u1ee3p \u0111\u1ed3ng m\u1ed9t ph\u1ea7n l\u00e3i su\u1ea5t g\u1ecdi l\u00e0 dividend. T\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m c\u1ee7a dividend s\u1ebd kh\u00e1c nhau t\u00f9y thu\u1ed9c v\u00e0o k\u1ebft qu\u1ea3 \u0111\u1ea7u t\u01b0 c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m, m\u1ed7i c\u00f4ng ty m\u1ed7i kh\u00e1c, m\u1ed7i n\u0103m m\u1ed7i kh\u00e1c. Hi\u1ec7n t\u1ea1i, t\u1ef7 l\u1ec7 dividend giao \u0111\u1ed9ng t\u1ea7m kho\u1ea3ng 4-6%\/n\u0103m. Tuy nhi\u00ean, dividend n\u00e0y s\u1ebd tr\u1ea3 b\u1eb1ng ti\u1ec1n m\u1eb7t hay s\u1eed d\u1ee5ng cho c\u00e1c m\u1ee5c \u0111\u00edch kh\u00e1c c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m s\u1ebd \u1ea3nh h\u01b0\u1edfng t\u1edbi ph\u00ed v\u00e0 gi\u00e1 tr\u1ecb \u0111\u1ec1n b\u00f9 (death benefit) kh\u00e1c nhau.Th\u1ee9 hai, b\u1ea3o hi\u1ec3m c\u00f3 ph\u1ea3i l\u00e0 m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0 t\u1ed1t? C\u00f3 v\u00e0 kh\u00f4ng. B\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 xem l\u00e0 kho\u1ea3n \u0111\u1ea7u t\u01b0 t\u1ed1t, n\u1ebfu b\u1ea1n \u0111\u00e1nh gi\u00e1 \u0111\u00fang t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh hi\u1ec7n t\u1ea1i c\u1ee7a b\u1ea1n v\u00e0 gia \u0111\u00ecnh, c\u0169ng nh\u01b0 hi\u1ec3u \u0111\u01b0\u1ee3c n\u0103ng l\u1ef1c \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n. Ai c\u0169ng n\u00ean c\u00f3 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd! M\u00ecnh kh\u1eb3ng \u0111\u1ecbnh \u0111i\u1ec1u n\u00e0y, v\u00ec \u0111\u00e2y l\u00e0 v\u1ea5n \u0111\u1ec1 qu\u1ea3n tr\u1ecb r\u1ee7i ro. Tuy nhi\u00ean n\u00ean c\u00f3 lo\u1ea1i n\u00e0o s\u1ebd kh\u00e1c nhau \u1edf m\u1ed7i ng\u01b0\u1eddi c\u1ea3 v\u1ec1 t\u00e0i ch\u00ednh l\u1eabn n\u0103ng l\u1ef1c \u0111\u1ea7u t\u01b0. Vi\u1ec7c xem x\u00e9t c\u00f3 n\u00ean t\u1eadn d\u1ee5ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd nh\u01b0 m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0 hay kh\u00f4ng, s\u1ebd ph\u1ea3i tr\u1ea3 l\u1eddi r\u1ea5t nhi\u1ec1u c\u00e2u h\u1ecfi, m\u1ed9t trong s\u1ed1 \u0111\u00f3 c\u00f3 th\u1ec3 k\u1ec3 \u0111\u1ebfn:<\/p>\n\n\n\n

– Thu nh\u1eadp c\u1ee7a b\u1ea1n c\u00f3 \u0111\u1ee7 \u0111\u1ec3 b\u1ea1n \u201c\u0111\u1ea7u t\u01b0\u201d v\u00e0o b\u1ea3o hi\u1ec3m hay kh\u00f4ng? V\u00ec n\u1ebfu ch\u1ecdn b\u1ea3o hi\u1ec3m v\u0129nh vi\u1ec5n c\u00f3 t\u00ednh ch\u1ea5t \u0111\u1ea7u t\u01b0, th\u00ec ph\u00ed tr\u1ea3 h\u00e0ng th\u00e1ng s\u1ebd kh\u00e1 cao, v\u00e0 cam k\u1ebft t\u00e0i ch\u00ednh n\u00e0y th\u00f4ng th\u01b0\u1eddng s\u1ebd k\u00e9o d\u00e0i 20-30 n\u0103m.<\/p>\n\n\n\n

– B\u1ea1n \u0111\u00e3 t\u1ed1i \u0111a \u0111\u01b0\u1ee3c ngu\u1ed3n ti\u1ec1n nh\u00e0n r\u1ed7i c\u1ee7a m\u00ecnh v\u00e0o nh\u1eefng h\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0 kh\u00e1c c\u00f3 l\u1ee3i v\u1ec1 m\u1eb7t thu\u1ebf hay ch\u01b0a? V\u00ed d\u1ee5: RRSP, RESP, TFSA..v.v\u2026<\/p>\n\n\n\n

– Ki\u1ebfn th\u1ee9c \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n \u1edf m\u1ee9c \u0111\u1ed9 n\u00e0o?<\/p>\n\n\n\n

C\u00f3 th\u1ec3 n\u00f3i, n\u1ebfu b\u1ea1n kh\u00f4ng c\u00f3 nhi\u1ec1u ki\u1ebfn th\u1ee9c v\u1ec1 m\u1eb7t \u0111\u1ea7u t\u01b0, th\u00ec b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 l\u00e0 1 l\u1ef1a ch\u1ecdn t\u1ed1t. V\u00ec \u0111\u01a1n gi\u1ea3n, \u0111\u01b0\u1eddng n\u00e0o th\u00ec b\u1ea1n c\u0169ng c\u1ea7n 1 kho\u1ea3n b\u1ea3o hi\u1ec3m, n\u1ebfu so v\u1edbi l\u1ef1a ch\u1ecdn \u0111\u1ea7u t\u01b0 \u1edf c\u00e1c qu\u1ef9 mutual fund \u1edf c\u00e1c ng\u00e2n h\u00e0ng l\u00e3i su\u1ea5t t\u1ea7m 4-5%, c\u00f3 r\u1ee7i ro b\u1ecb l\u1ed7, th\u00ec c\u00f3 l\u1ebd ch\u1eb3ng th\u00e0 b\u1ea1n mua b\u1ea3o hi\u1ec3m, v\u1eeba \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m cho r\u1ee7i ro, v\u1eeba c\u00f3 l\u00e3i su\u1ea5t c\u0169ng t\u1ea7m \u1ea5y.C\u00f2n n\u1ebfu b\u1ea1n (nh\u01b0 m\u00ecnh), c\u00f3 hi\u1ec3u bi\u1ebft nhi\u1ec1u v\u1ec1 t\u00e0i ch\u00ednh v\u00e0 \u0111\u1ea7u t\u01b0, s\u1ebd c\u1ea7n c\u00e2n nh\u1eafc nh\u1eefng l\u1ef1a ch\u1ecdn kh\u00e1c. V\u00ed d\u1ee5, thay v\u00ec b\u1ecf ra m\u1ed7i th\u00e1ng $100 v\u00e0o b\u1ea3o hi\u1ec3m v\u0129nh vi\u1ec5n, th\u00ec m\u00ecnh b\u1ecf v\u00e0o qu\u1ef9 ETF c\u1ee7a S&P hay Nasdaq, \u0111\u1ec3 l\u00e2u d\u00e0i 30-50 n\u0103m th\u00ec trung b\u00ecnh l\u1ee3i nhu\u1eadn c\u0169ng \u0111\u01b0\u1ee3c 10%\/n\u0103m. R\u1ed3i m\u00ecnh ch\u1ec9 chi kho\u1ea3ng $20\/th\u00e1ng cho b\u1ea3o hi\u1ec3m k\u1ef3 h\u1ea1n \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c m\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i \u0111a. V\u1eady l\u00e0 m\u00ecnh v\u1eeba c\u00f3 b\u1ea3o hi\u1ec3m, v\u1eeba c\u00f3 ti\u1ec1n ph\u00e1t sinh t\u1eeb \u0111\u1ea7u t\u01b0 l\u00fac c\u00f2n s\u1ed1ng? Tuy nhi\u00ean, v\u00ed d\u1ee5 n\u00e0y c\u1ee7a m\u00ecnh ch\u1ec9 \u1edf m\u1ee9c \u0111\u01a1n gi\u1ea3n h\u00f3a. C\u00f2n \u0111\u1ec3 b\u00e0n s\u00e2u h\u01a1n th\u00ec ph\u1ea3i c\u00e2n nh\u1eafc r\u1ea5t nhi\u1ec1u v\u1ec1 c\u00e1c v\u1ea5n \u0111\u1ec1 kh\u00e1c li\u00ean quan nh\u01b0: thu\u1ebf, tr\u1ee3 c\u1ea5p, k\u1ebf ho\u1ea1ch mua nh\u00e0, k\u1ebf ho\u1ea1ch qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u00e0i ch\u00ednh, c\u00e1c k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh trung & d\u00e0i h\u1ea1n kh\u00e1c\u2026.<\/p>\n\n\n\n

\"\"\/
\n

\u0110\u1ea7u t\u01b0 $100\/th\u00e1ng v\u1edbi l\u00e3i su\u1ea5t 10% trong 20 n\u0103m?<\/p>\n<\/figcaption><\/figure>\n\n\n\n

\u0110\u00e2y nh\u00e9, l\u00e0m th\u1eed b\u00e0i to\u00e1n \u0111\u1ea7u t\u01b0 $100\/th\u00e1ng, l\u1ee3i nhu\u1eadn trung b\u00ecnh 10% trong 20 n\u0103m. Gi\u00e0u ch\u01b0a! \ud83d\ude03 Th\u1ef1c ra s\u1ee9c m\u1ea1nh c\u1ee7a vi\u1ec7c \u201c\u0111\u1ea7u t\u01b0\u201d v\u00e0o b\u1ea3o hi\u1ec3m ch\u1ec9 \u0111\u01a1n gi\u1ea3n l\u00e0 CAM K\u1ebeT ti\u1ebft ki\u1ec7m m\u1ed9t kho\u1ea3n c\u1ed1 \u0111\u1ecbnh trong m\u1ed9t th\u1eddi gian d\u00e0i m\u00e0 th\u00f4i. \u0110\u00f3 l\u00e0 s\u1ee9c m\u1ea1nh c\u1ee7a compound interest (l\u00e3i su\u1ea5t k\u00e9p), n\u00ean kh\u00f4ng c\u1ea7n thi\u1ebft ph\u1ea3i \u0111\u01b0a b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00ean m\u1ed9t t\u1ea7m cao m\u1edbi l\u00e0 \u201c\u0111\u1ea7u t\u01b0\u201d.<\/p>\n\n\n\n

V\u1eady th\u00ec t\u00f3m l\u1ea1i l\u00e0 t\u00f4i c\u00f3 n\u00ean mua b\u1ea3o hi\u1ec3m hay kh\u00f4ng?<\/b><\/p>\n\n\n\n

E h\u00e8m. N\u1ebfu h\u1ecfi c\u00e2u n\u00e0y v\u1edbi m\u00ecnh th\u00ec ch\u1eb3ng kh\u00e1c n\u00e0o h\u1ecfi th\u1ee3 c\u1eaft t\u00f3c l\u00e0 t\u00f4i c\u00f3 n\u00ean c\u1eaft t\u00f3c hay kh\u00f4ng. \ud83d\ude03 D\u0129 nhi\u00ean, v\u1ec1 m\u1eb7t qu\u1ea3n tr\u1ecb r\u1ee7i ro th\u00ec ai c\u0169ng c\u1ea7n b\u1ea3o hi\u1ec3m. B\u1ea3n ch\u1ea5t c\u1ee7a b\u1ea3o hi\u1ec3m ch\u1ec9 \u0111\u01a1n gi\u1ea3n l\u00e0 chia \u0111\u1ec1u r\u1ee7i ro cho m\u1ed9t nh\u00f3m ng\u01b0\u1eddi. Th\u01b0\u1eddng m\u00ecnh hay h\u1ecfi kh\u00e1ch 1 c\u00e2u r\u1ea5t \u0111\u01a1n gi\u1ea3n khi kh\u00e1ch c\u00e2n nh\u1eafc c\u00f3 mua b\u1ea3o hi\u1ec3m hay kh\u00f4ng: \u201cGi\u1ea3 s\u1eed m\u1ed7i ng\u00e0y b\u1ea1n b\u1ecf ra $2 \u0111\u1ec3 mua s\u1ef1 an to\u00e0n cho gia \u0111\u00ecnh b\u1ea1n, \u0111\u1ec3 bi\u1ebft ch\u1eafc r\u1eb1ng n\u1ebfu b\u1ea1n m\u1ea5t \u0111i, v\u1ee3 con b\u1ea1n kh\u00f4ng ph\u1ea3i b\u00e1n nh\u00e0 b\u00e1n c\u1eeda, con b\u1ea1n kh\u00f4ng ph\u1ea3i lo l\u1eafng chuy\u1ec7n mai m\u1ed1t h\u1ecdc \u0111\u1ea1i h\u1ecdc m\u00ecnh c\u00f3 ti\u1ec1n h\u1ecdc hay kh\u00f4ng. Th\u00ec b\u1ea1n c\u00f3 ch\u1ea5p nh\u1eadn hay kh\u00f4ng?\u201d M\u1ed9t l\u1ea7n n\u1eefa, m\u00ecnh xin k\u1ebft l\u1ea1i b\u00e0i vi\u1ebft n\u00e0y: B\u1ea3n ch\u1ea5t c\u1ee7a b\u1ea3o hi\u1ec3m v\u1eabn l\u00e0 b\u1ea3o<\/b> hi\u1ec3m.<\/b> \u0110\u1eebng c\u1ed1 \u0111\u00e1nh tr\u00e1o kh\u00e1i ni\u1ec7m.<\/i><\/p>\n\n\n\n

Sarah Do,<\/strong><\/em><\/p>\n\n\n\n

Licensed Travel, Health & Life Insurance Advisor.<\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

B\u1ea1n \u0111\u00e3 t\u1eebng nghe \u0111\u1ebfn b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c xem nh\u01b0 l\u00e0 m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0? Li\u1ec7u \u0111i\u1ec1u n\u00e0y c\u00f3 \u0111\u00fang?<\/p>\n","protected":false},"author":2,"featured_media":1863,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[28,25],"tags":[],"class_list":["post-1862","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-hiem-nhan-tho","category-bao-hiem"],"_links":{"self":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/1862","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/comments?post=1862"}],"version-history":[{"count":2,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/1862\/revisions"}],"predecessor-version":[{"id":3494,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/1862\/revisions\/3494"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media\/1863"}],"wp:attachment":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media?parent=1862"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/categories?post=1862"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/tags?post=1862"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}