{"id":2969,"date":"2023-10-07T10:13:40","date_gmt":"2023-10-07T05:13:40","guid":{"rendered":"https:\/\/101insurance.ca\/?p=2969"},"modified":"2023-10-07T10:18:00","modified_gmt":"2023-10-07T05:18:00","slug":"tai-khoan-tiet-kiem-giao-duc-resp-phan-4","status":"publish","type":"post","link":"https:\/\/101insurance.ca\/vi\/tai-khoan-tiet-kiem-giao-duc-resp-phan-4\/","title":{"rendered":"T\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m gi\u00e1o d\u1ee5c (RESP) &#8211; Ph\u1ea7n 4: C\u00e1c l\u1ef1a ch\u1ecdn \u0111\u1ea7u t\u01b0"},"content":{"rendered":"\n<figure class=\"wp-block-image aligncenter size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"940\" height=\"788\" src=\"https:\/\/101insurance.ca\/wp-content\/uploads\/2023\/10\/Registered-Education-Savings-Plans-RESPs-Part-4.png\" alt=\"\" class=\"wp-image-2970\" srcset=\"https:\/\/101insurance.ca\/wp-content\/uploads\/2023\/10\/Registered-Education-Savings-Plans-RESPs-Part-4.png 940w, https:\/\/101insurance.ca\/wp-content\/uploads\/2023\/10\/Registered-Education-Savings-Plans-RESPs-Part-4-300x251.png 300w, https:\/\/101insurance.ca\/wp-content\/uploads\/2023\/10\/Registered-Education-Savings-Plans-RESPs-Part-4-768x644.png 768w\" sizes=\"(max-width: 940px) 100vw, 940px\" \/><\/figure>\n\n\n\n<p>Tr\u01b0\u1edbc khi \u0111i v\u00e0o ph\u1ea7n cu\u1ed1i, \u0111\u1ec3 cho c\u00e1c b\u1ea1n d\u1ec5 follow th\u00ec c\u00f3 th\u1ec3 xem l\u1ea1i nh\u1eefng b\u00e0i vi\u1ebft c\u0169 c\u1ee7a m\u00ecnh t\u1ea1i \u0111\u00e2y:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ph\u1ea7n 1:<a href=\"https:\/\/101insurance.ca\/vi\/tai-khoan-tiet-kiem-giao-duc-resp-phan-1\/\"> RESP l\u00e0 g\u00ec?<\/a><\/li>\n\n\n\n<li>Ph\u1ea7n 2: <a href=\"https:\/\/101insurance.ca\/vi\/tai-khoan-tiet-kiem-giao-duc-resp-phan-2\/\">C\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a RESP<\/a><\/li>\n\n\n\n<li>Ph\u1ea7n 3 &#8211; <a href=\"https:\/\/101insurance.ca\/vi\/tai-khoan-tiet-kiem-giao-duc-resp-phan-3\/\">C\u01a1 ch\u1ebf thanh to\u00e1n ph\u1ea7n ti\u1ec1n AIP \u2013 Accumulated income payment trong t\u00e0i kho\u1ea3n RESP v\u00e0 nh\u1eefng gi\u1ea3i ph\u00e1p n\u1ebfu kh\u00f4ng d\u00f9ng \u0111\u1ebfn RESP<\/a><\/li>\n<\/ul>\n\n\n\n<p>\u0110\u1ea7u t\u01b0 v\u00e0o RESP th\u01b0\u1eddng l\u00e0 kho\u1ea3n \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n k\u00e9o d\u00e0i c\u00f3 khi t\u1edbi 18-20 n\u0103m. V\u00ec v\u1eady, vi\u1ec7c l\u1ef1a ch\u1ecdn ph\u01b0\u01a1ng th\u1ee9c \u0111\u1ea7u t\u01b0 sao cho h\u1ee3p l\u00fd v\u1edbi &#8220;gu&#8221;, ki\u1ebfn th\u1ee9c, kh\u1ea3 n\u0103ng ch\u1ea5p nh\u1eadn r\u1ee7i ro, c\u0169ng nh\u01b0 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n l\u00e0 v\u00f4 c\u00f9ng quan tr\u1ecdng. Do m\u00ecnh kh\u00f4ng ph\u1ea3i l\u00e0 financial planner n\u00ean b\u00e0i vi\u1ebft n\u00e0y m\u00ecnh n\u00eau 1 v\u00e0i quan \u0111i\u1ec3m mang t\u00ednh c\u00e1 nh\u00e2n c\u1ee7a m\u00ecnh nh\u00e9.<\/p>\n\n\n\n<p>\ud83d\udc49<strong> Qu\u1ef9 t\u01b0\u01a1ng h\u1ed7 (mutual fund) v\u00e0 qu\u1ef9 ETF<\/strong><\/p>\n\n\n\n<p>C\u00e1c qu\u1ef9 n\u00e0y c\u00f3 th\u1ec3 do ng\u00e2n h\u00e0ng ho\u1eb7c do 1 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh n\u00e0o \u0111\u00f3 cung c\u1ea5p. Tr\u00ean th\u1ecb tr\u01b0\u1eddng c\u00f3 v\u00f4 v\u00e0n qu\u1ef9 kh\u00e1c nhau t\u00f9y thu\u1ed9c v\u1edbi \u201cgu\u201d c\u1ee7a t\u1eebng ng\u01b0\u1eddi. L\u1ee3i \u00edch c\u1ee7a qu\u1ef9 n\u00e0y ngo\u00e0i vi\u1ec7c c\u00f3 nhi\u1ec1u l\u1ef1a ch\u1ecdn ra, th\u00ec ph\u00ed ph\u00e1t sinh (ph\u00ed qu\u1ea3n l\u00fd, ph\u00ed gi\u1ea5y t\u1edd\u2026) th\u01b0\u1eddng kh\u00f4ng cao l\u1eafm, giao \u0111\u1ed9ng \u0111\u00e2u \u0111\u00f3 kho\u1ea3ng 0-2%. L\u00e3i su\u1ea5t cho lo\u1ea1i \u0111\u1ea7u t\u01b0 n\u00e0y r\u1ea5t r\u1ed9ng, c\u00f3 th\u1ec3 giao \u0111\u1ed9ng t\u1eeb 2%-10%, ho\u1eb7c th\u1eadm ch\u00ed c\u00f3 th\u1ec3 l\u1ed7 trong 1 s\u1ed1 th\u1eddi \u0111i\u1ec3m th\u1ecb tr\u01b0\u1eddng kinh t\u1ebf chung \u0111i xu\u1ed1ng.<\/p>\n\n\n\n<p>Theo kinh nghi\u1ec7m c\u00e1 nh\u00e2n c\u1ee7a m\u00ecnh th\u00ec n\u1ebfu b\u1ea1n kh\u00f4ng ph\u1ea3i l\u00e0 ng\u01b0\u1eddi c\u00f3 nhi\u1ec1u ki\u1ebfn th\u1ee9c \u0111\u1ea7u t\u01b0 th\u00ec n\u00ean l\u1ef1a ch\u1ecdn qu\u1ef9 t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng, v\u00ec th\u1ee7 t\u1ee5c gi\u1ea5y t\u1edd s\u1ebd c\u00f3 ph\u1ea7n \u0111\u01a1n gi\u1ea3n h\u01a1n. M\u00ecnh t\u1eebng c\u00f3 m\u1ed9t th\u1eddi gian \u0111\u1ea7u t\u01b0 v\u00e0o qu\u1ef9 c\u1ee7a m\u1ed9t c\u00f4ng ty t\u00e0i ch\u00ednh, khi r\u00fat ti\u1ec1n ra th\u1ee7 t\u1ee5c t\u1ed1n r\u1ea5t nhi\u1ec1u th\u1eddi gian. V\u00e0 th\u01b0\u1eddng th\u00ec ph\u00ed qu\u1ea3n l\u00fd c\u1ee7a ng\u00e2n h\u00e0ng c\u0169ng th\u1ea5p h\u01a1n.<\/p>\n\n\n\n<p>\ud83d\udc49<strong> GIC &#8211; Guaranteed Investment Certificates<\/strong><\/p>\n\n\n\n<p>N\u00f3i cho d\u1ec5 hi\u1ec3u th\u00ec GIC c\u0169ng gi\u1ed1ng nh\u01b0 ki\u1ec3u g\u1eedi ti\u1ebft ki\u1ec7m \u1edf Vi\u1ec7t Nam. \u0110\u1ea7u t\u01b0 v\u00e0o GIC th\u01b0\u1eddng l\u00e0 th\u00f4ng qua c\u00e1c h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng. L\u00e3i su\u1ea5t kh\u00f4ng cao (giao \u0111\u1ed9ng kho\u1ea3ng 1-3%), nh\u01b0ng bi\u1ebft ch\u1eafc l\u00e0 an to\u00e0n, kh\u00f4ng b\u1ecb l\u1ed7. B\u1ea5t l\u1ee3i duy nh\u1ea5t l\u00e0 v\u00ec l\u00e3i su\u1ea5t c\u1ee7a GIC r\u1ea5t th\u1ea5p, n\u00ean \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t n\u1ebfu b\u1ea1n \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n. V\u1edbi l\u00e3i su\u1ea5t 1-2%\/n\u0103m th\u00ec r\u00f5 r\u00e0ng l\u00e0 kh\u00f4ng theo k\u1ecbp l\u1ea1m ph\u00e1t th\u1ecb tr\u01b0\u1eddng th\u01b0\u1eddng \u1edf kho\u1ea3ng 2-3%. Tuy nhi\u00ean, GIC s\u1ebd l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn t\u1ed1t n\u1ebfu b\u1ea1n \u0111\u1ea7u t\u01b0 v\u00e0o RESP tr\u1ec5, v\u00ed d\u1ee5 \u0111\u1ea7u t\u01b0 l\u00fac con b\u1ea1n 15 tu\u1ed5i. Th\u00ec vi\u1ec7c l\u1ef1a ch\u1ecdn GIC s\u1ebd mang t\u00ednh an to\u00e0n h\u01a1n. Ho\u1eb7c, 15 n\u0103m \u0111\u1ea7u b\u1ea1n \u0111\u1ea7u t\u01b0 v\u00e0o qu\u1ef9 ETF c\u1ee7a Nasdaq, v\u00e0 nh\u1eadn th\u1ea5y th\u1ecb tr\u01b0\u1eddng \u0111\u00e3 l\u00ean \u0111\u1ec9nh, c\u00f3 kh\u1ea3 n\u0103ng r\u1edbt m\u1ea1nh trong th\u1eddi gian sau \u0111\u00f3, th\u00ec b\u1ea1n c\u00f3 th\u1ec3 chuy\u1ec3n to\u00e0n b\u1ed9 kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a m\u00ecnh qua GIC \u0111\u1ec3 b\u1ea3o to\u00e0n s\u1ed1 l\u1ee3i nhu\u1eadn trong 3 n\u0103m sau \u0111\u00f3.<\/p>\n\n\n\n<p>\ud83d\udc49<strong> Ch\u1ee9ng kho\u00e1n<\/strong><\/p>\n\n\n\n<p>M\u1eb7c d\u00f9 \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 l\u1ef1a ch\u1ecdn th\u00f4ng d\u1ee5ng, nh\u01b0ng nh\u1eefng b\u1ea1n \u0111am m\u00ea &amp; c\u00f3 ki\u1ebfn th\u1ee9c t\u1ed1t v\u1ec1 ch\u1ee9ng kho\u00e1n v\u1eabn c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn h\u00ecnh th\u1ee9c n\u00e0y. Nh\u1eefng c\u00f4ng ty chuy\u00ean cung c\u1ea5p d\u1ecbch v\u1ee5 ch\u01a1i ch\u1ee9ng kho\u00e1n, v\u00ed d\u1ee5 nh\u01b0 Wealthsimple, v\u1eabn c\u00f3 l\u1ef1a ch\u1ecdn cho kh\u00e1ch h\u00e0ng m\u1edf t\u00e0i kho\u1ea3n RESP \u0111\u1ec3 \u0111\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n. M\u00ecnh s\u1ebd kh\u00f4ng l\u1ea1m b\u00e0n v\u1ec1 vi\u1ec7c l\u1ee3i\/ h\u1ea1i, v\u00ec t\u00ednh ch\u1ea5t c\u1ee7a ch\u1ee9ng kho\u00e1n th\u00ec h\u1eb3n l\u00e0 ai c\u0169ng bi\u1ebft. \u0110\u00e2y l\u00e0 cu\u1ed9c ch\u01a1i kh\u00f4ng d\u00e0nh cho t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi.<\/p>\n\n\n\n<p>\ud83d\udc49<strong> Qu\u1ef9 nh\u00f3m (group plan)<\/strong><\/p>\n\n\n\n<p>Qu\u1ef9 nh\u00f3m hay c\u00f3 1 s\u1ed1 n\u01a1i c\u00f2n mang t\u00ean m\u1ef9 mi\u1ec1u l\u00e0 qu\u1ef9 h\u1ecdc b\u1ed5ng (scholarship plan). \u0110\u00e2y l\u00e0 h\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0 c\u00f3 kh\u00e1 nhi\u1ec1u tranh c\u00e3i, n\u00ean m\u00ecnh s\u1ebd d\u00e0nh th\u1eddi gian ph\u00e2n t\u00edch s\u00e2u t\u00ed x\u00edu.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>C\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng: <\/strong>\u0110\u1ec3 cho d\u1ec5 hi\u1ec3u, b\u1ea1n c\u00f3 th\u1ec3 t\u01b0\u1edfng t\u01b0\u1ee3ng c\u00e1i qu\u1ef9 n\u00e0y gi\u1ed1ng nh\u01b0 l\u00e0 qu\u1ef9 \u0111\u01b0\u1ee3c t\u1ea1o ra t\u1eeb 1 c\u00e1i x\u00f3m nh\u1ecf. Ai trong x\u00f3m tham gia v\u00e0o qu\u1ef9 n\u00e0y \u0111\u1ec1u ph\u1ea3i \u0111\u00f3ng m\u1ed7i th\u00e1ng 1 ph\u1ea7n ti\u1ec1n c\u1ed1 \u0111\u1ecbnh cho t\u1edbi khi tr\u1ebb 18 tu\u1ed5i. N\u1ebfu kh\u00f4ng \u0111\u00f3ng ti\u1ec1n ho\u1eb7c h\u1ee7y gi\u1eefa ch\u1eebng th\u00ec b\u1ea1n m\u1ea5t m\u1ed9t ph\u1ea7n r\u1ea5t l\u1edbn c\u1ee5c ti\u1ec1n \u0111\u00e3 \u0111\u00f3ng. \u0110i\u1ec1u n\u00e0y l\u00e0 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1eb1ng qu\u1ef9 n\u00e0y c\u00f3 th\u1ec3 duy tr\u00ec \u0111\u01b0\u1ee3c l\u00e2u, v\u00e0 h\u1ea1n ch\u1ebf nh\u1eefng ng\u01b0\u1eddi tham gia b\u1ecf cu\u1ed9c gi\u1eefa ch\u1eebng. Ph\u1ea7n ti\u1ec1n m\u00e0 b\u1ea1n m\u1ea5t \u0111i kh\u00f4ng r\u00fat ra \u0111\u01b0\u1ee3c s\u1ebd \u0111\u01b0\u1ee3c chia \u0111\u1ec1u cho nh\u1eefng ng\u01b0\u1eddi c\u00f2n \u1ea1i trong qu\u1ef9 (m\u1eb7c d\u00f9 chia \u0111\u1ec1u nh\u01b0ng ti\u1ec1n v\u1eabn s\u1ebd n\u1eb1m trong qu\u1ef9 ch\u1ee9 kh\u00f4ng \u0111\u01b0\u1ee3c r\u00fat ra, cho t\u1edbi khi tr\u1ebb \u0111\u1ee7 18 tu\u1ed5i &amp; \u0111i h\u1ecdc).<\/li>\n\n\n\n<li><strong>L\u00e3i su\u1ea5t: <\/strong>x\u00e9t v\u1ec1 m\u1eb7t l\u00e3i su\u1ea5t th\u00ec c\u00f3 th\u1ec3 n\u00f3i \u0111\u00e2y l\u00e0 h\u00ecnh th\u1ee9c c\u00f3 l\u00e3i su\u1ea5t t\u1ed1t. V\u00ec th\u00f4ng th\u01b0\u1eddng nh\u1eefng qu\u1ef9 n\u00e0y s\u1ebd c\u00f3 c\u00e1i \u201cm\u1ed3i\u201d ngon l\u00e0 s\u1ebd t\u1eb7ng th\u00eam cho kh\u00e1ch m\u1ed9t ph\u1ea7n ti\u1ec1n n\u00e0o \u0111\u00f3 n\u1ebfu kh\u00e1ch \u0111\u1ea7u t\u01b0 l\u00fac tr\u1ebb c\u00f2n nh\u1ecf (0-5 tu\u1ed5i). M\u1eb7c d\u00f9 ph\u1ea7n ti\u1ec1n d\u00f9ng \u0111\u1ec3 \u0111em \u0111i \u0111\u1ea7u t\u01b0 th\u00ec l\u00e3i su\u1ea5t c\u0169ng s\u1ebd ngang ng\u1eeda m\u1ea5y qu\u1ef9 t\u01b0\u01a1ng h\u1ed7, nh\u01b0ng b\u00ean c\u1ea1nh \u0111\u00f3 ng\u01b0\u1eddi tham gia s\u1ebd c\u00f3 c\u01a1 h\u1ed9i c\u00f3 \u0111\u01b0\u1ee3c th\u00eam ti\u1ec1n do m\u1ed9t th\u00e0nh vi\u00ean n\u00e0o \u0111\u00f3 b\u1ecf ngang, r\u00fat kh\u1ecfi qu\u1ef9.<\/li>\n\n\n\n<li><strong>B\u1ea5t l\u1ee3i: <\/strong>d\u1ec5 d\u00e0ng th\u1ea5y \u0111\u01b0\u1ee3c l\u00e0 v\u00ec t\u00ednh ch\u1ea5t nghi\u00eam ng\u1eb7t c\u1ee7a qu\u1ef9 n\u00e0y, n\u00ean n\u1ebfu ng\u01b0\u1eddi tham gia b\u1ecf cu\u1ed9c gi\u1eefa ch\u1eebng h\u1ecd s\u1ebd m\u1ea5t m\u1ed9t ph\u1ea7n ti\u1ec1n r\u1ea5t l\u1edbn. V\u00ec v\u1eady n\u1ebfu l\u1ef1a ch\u1ecdn tham gia nh\u1eefng qu\u1ef9 nh\u00f3m n\u00e0y, th\u00ec c\u00e1c b\u1ea1n c\u1ea7n t\u00ecm hi\u1ec3u th\u1eadt r\u00f5 nh\u1eefng quy \u0111\u1ecbnh c\u1ee7a qu\u1ef9, v\u00e0 l\u1ef1a ch\u1ecdn s\u1ed1 ti\u1ec1n \u0111\u1ea7u t\u01b0 n\u1eb1m trong kh\u1ea3 n\u0103ng m\u00e0 m\u00ecnh c\u00f3 th\u1ec3 \u0111\u00f3ng li\u00ean t\u1ee5c nhi\u1ec1u n\u0103m.<\/li>\n<\/ul>\n\n\n\n<p>Hi v\u1ecdng qua series b\u00e0i vi\u1ebft tr\u00ean, c\u00e1c b\u1ea1n \u0111\u00e3 c\u00f3 \u0111\u01b0\u1ee3c nh\u1eefng ki\u1ebfn th\u1ee9c t\u1ed5ng quan v\u1ec1 RESP. N\u1ebfu kh\u00f4ng ph\u1ea3i l\u00e0 ng\u01b0\u1eddi r\u00e0nh v\u1ec1 \u0111\u1ea7u t\u01b0, b\u1ea1n n\u00ean t\u00ecm ki\u1ebfm cho m\u00ecnh m\u1ed9t financial planner \u0111\u1ec3 h\u1ecd t\u01b0 v\u1ea5n cho b\u1ea1n nh\u1eefng l\u1ef1a ch\u1ecdn ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n nh\u00e9.<\/p>\n\n\n\n<p>Sarah Do,<\/p>\n\n\n\n<p>Life, Health &amp; Travel Insurance Advisor.<\/p>\n\n\n\n<p><strong><em>Disclaimer: <\/em><\/strong><em>B\u00e0i vi\u1ebft ch\u1ec9 nh\u1eb1m cung c\u1ea5p th\u00f4ng tin cho nh\u1eefng m\u1ee5c \u0111\u00edch c\u01a1 b\u1ea3n, v\u00e0 n\u00eau l\u00ean m\u1ed9t v\u00e0i quan \u0111i\u1ec3m c\u00e1 nh\u00e2n. \u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 l\u1eddi khuy\u00ean v\u1ec1 t\u00e0i ch\u00ednh, \u0111\u1ea7u t\u01b0, thu\u1ebf, k\u1ebf to\u00e1n hay b\u1ea5t k\u1ef3 quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt n\u00e0o. C\u00e1 nh\u00e2n c\u00f3 nhu c\u1ea7u t\u01b0 v\u1ea5n v\u1ec1 c\u00e1c v\u1ea5n \u0111\u1ec1 tr\u00ean vui l\u00f2ng t\u00ecm ki\u1ebfm chuy\u00ean vi\u00ean t\u01b0 v\u1ea5n chuy\u00ean nghi\u1ec7p.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tr\u01b0\u1edbc khi \u0111i v\u00e0o ph\u1ea7n cu\u1ed1i, \u0111\u1ec3 cho c\u00e1c b\u1ea1n d\u1ec5 follow th\u00ec c\u00f3 th\u1ec3 xem l\u1ea1i nh\u1eefng b\u00e0i vi\u1ebft c\u0169 c\u1ee7a m\u00ecnh t\u1ea1i \u0111\u00e2y: \u0110\u1ea7u t\u01b0 v\u00e0o RESP th\u01b0\u1eddng l\u00e0 kho\u1ea3n \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n k\u00e9o d\u00e0i c\u00f3 khi t\u1edbi 18-20 n\u0103m. V\u00ec v\u1eady, vi\u1ec7c l\u1ef1a ch\u1ecdn ph\u01b0\u01a1ng th\u1ee9c \u0111\u1ea7u t\u01b0 sao cho h\u1ee3p l\u00fd v\u1edbi &#8220;gu&#8221;, ki\u1ebfn th\u1ee9c, kh\u1ea3 n\u0103ng ch\u1ea5p nh\u1eadn r\u1ee7i ro, c\u0169ng nh\u01b0 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n l\u00e0 v\u00f4 c\u00f9ng quan tr\u1ecdng. Do m\u00ecnh kh\u00f4ng ph\u1ea3i l\u00e0 financial planner n\u00ean b\u00e0i vi\u1ebft n\u00e0y m\u00ecnh n\u00eau 1 v\u00e0i quan \u0111i\u1ec3m mang t\u00ednh c\u00e1 nh\u00e2n c\u1ee7a m\u00ecnh nh\u00e9. \ud83d\udc49 Qu\u1ef9 t\u01b0\u01a1ng h\u1ed7 (mutual fund) v\u00e0 qu\u1ef9 ETF C\u00e1c qu\u1ef9 n\u00e0y c\u00f3 th\u1ec3 do ng\u00e2n h\u00e0ng ho\u1eb7c do 1 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh n\u00e0o \u0111\u00f3 cung c\u1ea5p. Tr\u00ean th\u1ecb tr\u01b0\u1eddng c\u00f3 v\u00f4 v\u00e0n qu\u1ef9 kh\u00e1c nhau t\u00f9y thu\u1ed9c v\u1edbi \u201cgu\u201d c\u1ee7a t\u1eebng ng\u01b0\u1eddi. L\u1ee3i \u00edch c\u1ee7a qu\u1ef9 n\u00e0y ngo\u00e0i vi\u1ec7c c\u00f3 nhi\u1ec1u l\u1ef1a ch\u1ecdn ra, th\u00ec ph\u00ed ph\u00e1t sinh (ph\u00ed qu\u1ea3n l\u00fd, ph\u00ed gi\u1ea5y t\u1edd\u2026) th\u01b0\u1eddng kh\u00f4ng cao l\u1eafm, giao \u0111\u1ed9ng \u0111\u00e2u \u0111\u00f3 kho\u1ea3ng 0-2%. L\u00e3i su\u1ea5t cho lo\u1ea1i \u0111\u1ea7u t\u01b0 n\u00e0y r\u1ea5t r\u1ed9ng, c\u00f3 th\u1ec3 giao \u0111\u1ed9ng t\u1eeb 2%-10%, ho\u1eb7c th\u1eadm ch\u00ed c\u00f3 th\u1ec3 l\u1ed7 trong 1 s\u1ed1 th\u1eddi \u0111i\u1ec3m th\u1ecb tr\u01b0\u1eddng kinh t\u1ebf chung \u0111i xu\u1ed1ng. Theo kinh nghi\u1ec7m c\u00e1 nh\u00e2n c\u1ee7a m\u00ecnh th\u00ec n\u1ebfu b\u1ea1n kh\u00f4ng ph\u1ea3i l\u00e0 ng\u01b0\u1eddi c\u00f3 nhi\u1ec1u ki\u1ebfn th\u1ee9c \u0111\u1ea7u t\u01b0 th\u00ec n\u00ean l\u1ef1a ch\u1ecdn qu\u1ef9 t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng, v\u00ec th\u1ee7 t\u1ee5c gi\u1ea5y t\u1edd s\u1ebd c\u00f3 ph\u1ea7n \u0111\u01a1n gi\u1ea3n h\u01a1n. M\u00ecnh t\u1eebng c\u00f3 m\u1ed9t th\u1eddi gian \u0111\u1ea7u t\u01b0 v\u00e0o qu\u1ef9 c\u1ee7a m\u1ed9t c\u00f4ng ty t\u00e0i ch\u00ednh, khi r\u00fat ti\u1ec1n ra th\u1ee7 t\u1ee5c t\u1ed1n r\u1ea5t nhi\u1ec1u th\u1eddi gian. V\u00e0 th\u01b0\u1eddng th\u00ec ph\u00ed qu\u1ea3n l\u00fd c\u1ee7a ng\u00e2n h\u00e0ng c\u0169ng th\u1ea5p h\u01a1n. \ud83d\udc49 GIC &#8211; Guaranteed Investment Certificates N\u00f3i cho d\u1ec5 hi\u1ec3u th\u00ec GIC c\u0169ng gi\u1ed1ng nh\u01b0 ki\u1ec3u g\u1eedi ti\u1ebft ki\u1ec7m \u1edf Vi\u1ec7t Nam. \u0110\u1ea7u t\u01b0 v\u00e0o GIC th\u01b0\u1eddng l\u00e0 th\u00f4ng qua c\u00e1c h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng. L\u00e3i su\u1ea5t kh\u00f4ng cao (giao \u0111\u1ed9ng kho\u1ea3ng 1-3%), nh\u01b0ng bi\u1ebft ch\u1eafc l\u00e0 an to\u00e0n, kh\u00f4ng b\u1ecb l\u1ed7. B\u1ea5t l\u1ee3i duy nh\u1ea5t l\u00e0 v\u00ec l\u00e3i su\u1ea5t c\u1ee7a GIC r\u1ea5t th\u1ea5p, n\u00ean \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t n\u1ebfu b\u1ea1n \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n. V\u1edbi l\u00e3i su\u1ea5t 1-2%\/n\u0103m th\u00ec r\u00f5 r\u00e0ng l\u00e0 kh\u00f4ng theo k\u1ecbp l\u1ea1m ph\u00e1t th\u1ecb tr\u01b0\u1eddng th\u01b0\u1eddng \u1edf kho\u1ea3ng 2-3%. Tuy nhi\u00ean, GIC s\u1ebd l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn t\u1ed1t n\u1ebfu b\u1ea1n \u0111\u1ea7u t\u01b0 v\u00e0o RESP tr\u1ec5, v\u00ed d\u1ee5 \u0111\u1ea7u t\u01b0 l\u00fac con b\u1ea1n 15 tu\u1ed5i. Th\u00ec vi\u1ec7c l\u1ef1a ch\u1ecdn GIC s\u1ebd mang t\u00ednh an to\u00e0n h\u01a1n. Ho\u1eb7c, 15 n\u0103m \u0111\u1ea7u b\u1ea1n \u0111\u1ea7u t\u01b0 v\u00e0o qu\u1ef9 ETF c\u1ee7a Nasdaq, v\u00e0 nh\u1eadn th\u1ea5y th\u1ecb tr\u01b0\u1eddng \u0111\u00e3 l\u00ean \u0111\u1ec9nh, c\u00f3 kh\u1ea3 n\u0103ng r\u1edbt m\u1ea1nh trong th\u1eddi gian sau \u0111\u00f3, th\u00ec b\u1ea1n c\u00f3 th\u1ec3 chuy\u1ec3n to\u00e0n b\u1ed9 kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a m\u00ecnh qua GIC \u0111\u1ec3 b\u1ea3o to\u00e0n s\u1ed1 l\u1ee3i nhu\u1eadn trong 3 n\u0103m sau \u0111\u00f3. \ud83d\udc49 Ch\u1ee9ng kho\u00e1n M\u1eb7c d\u00f9 \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 l\u1ef1a ch\u1ecdn th\u00f4ng d\u1ee5ng, nh\u01b0ng nh\u1eefng b\u1ea1n \u0111am m\u00ea &amp; c\u00f3 ki\u1ebfn th\u1ee9c t\u1ed1t v\u1ec1 ch\u1ee9ng kho\u00e1n v\u1eabn c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn h\u00ecnh th\u1ee9c n\u00e0y. Nh\u1eefng c\u00f4ng ty chuy\u00ean cung c\u1ea5p d\u1ecbch v\u1ee5 ch\u01a1i ch\u1ee9ng kho\u00e1n, v\u00ed d\u1ee5 nh\u01b0 Wealthsimple, v\u1eabn c\u00f3 l\u1ef1a ch\u1ecdn cho kh\u00e1ch h\u00e0ng m\u1edf t\u00e0i kho\u1ea3n RESP \u0111\u1ec3 \u0111\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n. M\u00ecnh s\u1ebd kh\u00f4ng l\u1ea1m b\u00e0n v\u1ec1 vi\u1ec7c l\u1ee3i\/ h\u1ea1i, v\u00ec t\u00ednh ch\u1ea5t c\u1ee7a ch\u1ee9ng kho\u00e1n th\u00ec h\u1eb3n l\u00e0 ai c\u0169ng bi\u1ebft. \u0110\u00e2y l\u00e0 cu\u1ed9c ch\u01a1i kh\u00f4ng d\u00e0nh cho t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi. \ud83d\udc49 Qu\u1ef9 nh\u00f3m (group plan) Qu\u1ef9 nh\u00f3m hay c\u00f3 1 s\u1ed1 n\u01a1i c\u00f2n mang t\u00ean m\u1ef9 mi\u1ec1u l\u00e0 qu\u1ef9 h\u1ecdc b\u1ed5ng (scholarship plan). \u0110\u00e2y l\u00e0 h\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0 c\u00f3 kh\u00e1 nhi\u1ec1u tranh c\u00e3i, n\u00ean m\u00ecnh s\u1ebd d\u00e0nh th\u1eddi gian ph\u00e2n t\u00edch s\u00e2u t\u00ed x\u00edu. Hi v\u1ecdng qua series b\u00e0i vi\u1ebft tr\u00ean, c\u00e1c b\u1ea1n \u0111\u00e3 c\u00f3 \u0111\u01b0\u1ee3c nh\u1eefng ki\u1ebfn th\u1ee9c t\u1ed5ng quan v\u1ec1 RESP. N\u1ebfu kh\u00f4ng ph\u1ea3i l\u00e0 ng\u01b0\u1eddi r\u00e0nh v\u1ec1 \u0111\u1ea7u t\u01b0, b\u1ea1n n\u00ean t\u00ecm ki\u1ebfm cho m\u00ecnh m\u1ed9t financial planner \u0111\u1ec3 h\u1ecd t\u01b0 v\u1ea5n cho b\u1ea1n nh\u1eefng l\u1ef1a ch\u1ecdn ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n nh\u00e9. Sarah Do, Life, Health &amp; Travel Insurance Advisor. Disclaimer: B\u00e0i vi\u1ebft ch\u1ec9 nh\u1eb1m cung c\u1ea5p th\u00f4ng tin cho nh\u1eefng m\u1ee5c \u0111\u00edch c\u01a1 b\u1ea3n, v\u00e0 n\u00eau l\u00ean m\u1ed9t v\u00e0i quan \u0111i\u1ec3m c\u00e1 nh\u00e2n. \u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 l\u1eddi khuy\u00ean v\u1ec1 t\u00e0i ch\u00ednh, \u0111\u1ea7u t\u01b0, thu\u1ebf, k\u1ebf to\u00e1n hay b\u1ea5t k\u1ef3 quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt n\u00e0o. C\u00e1 nh\u00e2n c\u00f3 nhu c\u1ea7u t\u01b0 v\u1ea5n v\u1ec1 c\u00e1c v\u1ea5n \u0111\u1ec1 tr\u00ean vui l\u00f2ng t\u00ecm ki\u1ebfm chuy\u00ean vi\u00ean t\u01b0 v\u1ea5n chuy\u00ean nghi\u1ec7p.<\/p>\n","protected":false},"author":2,"featured_media":2970,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[25,46],"tags":[35,36,47],"class_list":["post-2969","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-hiem","category-tai-chinh","tag-cuoc-song-canada","tag-life-in-canada","tag-tai-chinh"],"_links":{"self":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/2969","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=2969"}],"version-history":[{"count":0,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/2969\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media\/2970"}],"wp:attachment":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media?parent=2969"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/categories?post=2969"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/tags?post=2969"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}