{"id":189,"date":"2025-07-25T19:58:59","date_gmt":"2025-07-25T19:58:59","guid":{"rendered":"https:\/\/techsmoney.com\/?p=189"},"modified":"2025-07-25T19:58:59","modified_gmt":"2025-07-25T19:58:59","slug":"how-to-save-for-retirement-as-a-beginner","status":"publish","type":"post","link":"https:\/\/techsmoney.com\/vi\/how-to-save-for-retirement-as-a-beginner\/","title":{"rendered":"C\u00e1ch ti\u1ebft ki\u1ec7m cho h\u01b0u tr\u00ed khi m\u1edbi b\u1eaft \u0111\u1ea7u"},"content":{"rendered":"<p>Ti\u1ebft ki\u1ec7m cho h\u01b0u tr\u00ed l\u00e0 m\u1ed9t trong nh\u1eefng m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh quan tr\u1ecdng nh\u1ea5t b\u1ea1n c\u00f3 th\u1ec3 \u0111\u1eb7t ra. Tuy nhi\u00ean, \u0111\u00e2y c\u00f3 v\u1ebb l\u00e0 m\u1ed9t nhi\u1ec7m v\u1ee5 kh\u00f3 kh\u0103n, \u0111\u1eb7c bi\u1ec7t n\u1ebfu b\u1ea1n m\u1edbi b\u1eaft \u0111\u1ea7u. B\u1ea1n c\u00e0ng b\u1eaft \u0111\u1ea7u ti\u1ebft ki\u1ec7m cho h\u01b0u tr\u00ed s\u1edbm, ti\u1ec1n c\u1ee7a b\u1ea1n c\u00e0ng c\u00f3 nhi\u1ec1u th\u1eddi gian \u0111\u1ec3 sinh l\u1eddi, v\u00e0 b\u1ea1n c\u00e0ng \u00edt ph\u1ea3i ti\u1ebft ki\u1ec7m m\u1ed7i th\u00e1ng \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau. N\u1ebfu b\u1ea1n l\u00e0 ng\u01b0\u1eddi m\u1edbi b\u1eaft \u0111\u1ea7u, \u0111\u00e2y l\u00e0 h\u01b0\u1edbng d\u1eabn t\u1eebng b\u01b0\u1edbc gi\u00fap b\u1ea1n b\u1eaft \u0111\u1ea7u h\u00e0nh tr\u00ecnh ti\u1ebft ki\u1ec7m h\u01b0u tr\u00ed c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. Hi\u1ec3u l\u00fd do t\u1ea1i sao ti\u1ebft ki\u1ec7m h\u01b0u tr\u00ed l\u1ea1i quan tr\u1ecdng<\/h2>\n\n\n\n<p>Tr\u01b0\u1edbc khi \u0111i s\u00e2u v\u00e0o chi ti\u1ebft v\u1ec1 c\u00e1ch ti\u1ebft ki\u1ec7m cho h\u01b0u tr\u00ed, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i hi\u1ec3u t\u1ea1i sao \u0111i\u1ec1u n\u00e0y l\u1ea1i quan tr\u1ecdng. B\u1ea1n b\u1eaft \u0111\u1ea7u ti\u1ebft ki\u1ec7m c\u00e0ng s\u1edbm, b\u1ea1n c\u00e0ng c\u00f3 th\u1ec3 t\u1eadn d\u1ee5ng \u0111\u01b0\u1ee3c l\u00e3i k\u00e9p, cho ph\u00e9p kho\u1ea3n ti\u1ebft ki\u1ec7m c\u1ee7a b\u1ea1n t\u0103ng tr\u01b0\u1edfng theo c\u1ea5p s\u1ed1 nh\u00e2n theo th\u1eddi gian.<\/p>\n\n\n\n<p>Sau \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 l\u00fd do t\u1ea1i sao vi\u1ec7c ti\u1ebft ki\u1ec7m cho h\u01b0u tr\u00ed l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0110\u1ed9c l\u1eadp t\u00e0i ch\u00ednh khi ngh\u1ec9 h\u01b0u<\/strong>:Ti\u1ebft ki\u1ec7m h\u01b0u tr\u00ed \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea1n s\u1ebd kh\u00f4ng ph\u1ea3i ph\u1ee5 thu\u1ed9c v\u00e0o an sinh x\u00e3 h\u1ed9i ho\u1eb7c gia \u0111\u00ecnh \u0111\u1ec3 h\u1ed7 tr\u1ee3 b\u1ea1n sau n\u00e0y.<\/li>\n\n\n\n<li><strong>Chi ph\u00ed ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe t\u0103ng cao<\/strong>: Chi ph\u00ed y t\u1ebf c\u00f3 xu h\u01b0\u1edbng t\u0103ng theo tu\u1ed5i t\u00e1c. Ti\u1ebft ki\u1ec7m cho h\u01b0u tr\u00ed \u0111\u1ea3m b\u1ea3o b\u1ea1n c\u00f3 \u0111\u1ee7 ti\u1ec1n c\u1ea7n thi\u1ebft cho vi\u1ec7c ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe khi v\u1ec1 gi\u00e0.<\/li>\n\n\n\n<li><strong>B\u1ea3o v\u1ec7 l\u1ea1m ph\u00e1t<\/strong>: Theo th\u1eddi gian, l\u1ea1m ph\u00e1t c\u00f3 th\u1ec3 l\u00e0m x\u00f3i m\u00f2n s\u1ee9c mua c\u1ee7a \u0111\u1ed3ng ti\u1ec1n. Ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0 cho h\u01b0u tr\u00ed cho ph\u00e9p b\u1ea1n theo k\u1ecbp l\u1ea1m ph\u00e1t v\u00e0 duy tr\u00ec m\u1ee9c s\u1ed1ng.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">2. X\u00e1c \u0111\u1ecbnh m\u1ee5c ti\u00eau ngh\u1ec9 h\u01b0u c\u1ee7a b\u1ea1n<\/h2>\n\n\n\n<p>Tr\u01b0\u1edbc khi b\u1eaft \u0111\u1ea7u ti\u1ebft ki\u1ec7m, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i thi\u1ebft l\u1eadp c\u00e1c m\u1ee5c ti\u00eau ngh\u1ec9 h\u01b0u r\u00f5 r\u00e0ng. B\u1ea1n mu\u1ed1n c\u00f3 m\u1ed9t l\u1ed1i s\u1ed1ng nh\u01b0 th\u1ebf n\u00e0o khi ngh\u1ec9 h\u01b0u? B\u1ea1n mu\u1ed1n du l\u1ecbch v\u00f2ng quanh th\u1ebf gi\u1edbi, s\u1ed1ng tho\u1ea3i m\u00e1i, hay mu\u1ed1n thu h\u1eb9p quy m\u00f4 v\u00e0 t\u1eadn h\u01b0\u1edfng m\u1ed9t cu\u1ed9c s\u1ed1ng \u0111\u01a1n gi\u1ea3n h\u01a1n?<\/p>\n\n\n\n<p>M\u1ed9t s\u1ed1 y\u1ebfu t\u1ed1 c\u1ea7n c\u00e2n nh\u1eafc bao g\u1ed3m:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>B\u1ea1n s\u1ebd c\u1ea7n bao nhi\u00eau ti\u1ec1n?<\/strong>:Nguy\u00ean t\u1eafc chung l\u00e0 b\u1ea1n s\u1ebd c\u1ea7n 70% \u0111\u1ebfn 80% ti\u1ec1n thu nh\u1eadp tr\u01b0\u1edbc khi ngh\u1ec9 h\u01b0u m\u1ed7i n\u0103m \u0111\u1ec3 duy tr\u00ec l\u1ed1i s\u1ed1ng hi\u1ec7n t\u1ea1i.<\/li>\n\n\n\n<li><strong>B\u1ea1n mu\u1ed1n ngh\u1ec9 h\u01b0u \u1edf \u0111\u1ed9 tu\u1ed5i n\u00e0o?<\/strong>:B\u1ea1n c\u00e0ng mu\u1ed1n ngh\u1ec9 h\u01b0u s\u1edbm th\u00ec b\u1ea1n c\u00e0ng c\u1ea7n ph\u1ea3i ti\u1ebft ki\u1ec7m nhi\u1ec1u h\u01a1n.<\/li>\n\n\n\n<li><strong>B\u1ea1n s\u1ebd s\u1ed1ng \u1edf \u0111\u00e2u?<\/strong>:V\u1ecb tr\u00ed c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn chi ph\u00ed ngh\u1ec9 h\u01b0u c\u1ee7a b\u1ea1n, \u0111\u1eb7c bi\u1ec7t n\u1ebfu b\u1ea1n c\u00f3 k\u1ebf ho\u1ea1ch chuy\u1ec3n \u0111\u1ebfn m\u1ed9t khu v\u1ef1c c\u00f3 chi ph\u00ed sinh ho\u1ea1t cao h\u01a1n.<\/li>\n<\/ul>\n\n\n\n<p>B\u1eb1ng c\u00e1ch \u0111\u1eb7t ra m\u1ee5c ti\u00eau r\u00f5 r\u00e0ng, b\u1ea1n c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c s\u1ed1 ti\u1ec1n c\u1ea7n ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u01b0a ra k\u1ebf ho\u1ea1ch \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c nh\u1eefng m\u1ee5c ti\u00eau \u0111\u00f3.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. B\u1eaft \u0111\u1ea7u v\u1edbi K\u1ebf ho\u1ea1ch H\u01b0u tr\u00ed c\u1ee7a Ch\u1ee7 lao \u0111\u1ed9ng<\/h2>\n\n\n\n<p>N\u1ebfu c\u00f4ng ty c\u1ee7a b\u1ea1n cung c\u1ea5p ch\u01b0\u01a1ng tr\u00ecnh ti\u1ebft ki\u1ec7m h\u01b0u tr\u00ed, ch\u1eb3ng h\u1ea1n nh\u01b0 401(k) ho\u1eb7c 403(b), \u0111\u00f3 n\u00ean l\u00e0 l\u1ef1a ch\u1ecdn \u0111\u1ea7u ti\u00ean c\u1ee7a b\u1ea1n. Nhi\u1ec1u c\u00f4ng ty \u0111\u1ec1 ngh\u1ecb \u0111\u00f3ng g\u00f3p t\u01b0\u01a1ng \u1ee9ng v\u1edbi s\u1ed1 ti\u1ec1n b\u1ea1n \u0111\u00f3ng g\u00f3p, v\u1ec1 c\u01a1 b\u1ea3n l\u00e0 &quot;ti\u1ec1n mi\u1ec5n ph\u00ed&quot;. T\u1eadn d\u1ee5ng kho\u1ea3n \u0111\u00f3ng g\u00f3p t\u01b0\u01a1ng \u1ee9ng n\u00e0y l\u00e0 m\u1ed9t trong nh\u1eefng c\u00e1ch t\u1ed1t nh\u1ea5t \u0111\u1ec3 t\u0103ng tr\u01b0\u1edfng ti\u1ec1n ti\u1ebft ki\u1ec7m h\u01b0u tr\u00ed nhanh ch\u00f3ng.<\/p>\n\n\n\n<p>Sau \u0111\u00e2y l\u00e0 c\u00e1ch t\u1eadn d\u1ee5ng t\u1ed1i \u0111a ch\u01b0\u01a1ng tr\u00ecnh h\u01b0u tr\u00ed c\u1ee7a c\u00f4ng ty b\u1ea1n:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0110\u00f3ng g\u00f3p \u0111\u1ee7 \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c tr\u1eadn \u0111\u1ea5u<\/strong>: V\u00ed d\u1ee5, n\u1ebfu c\u00f4ng ty c\u1ee7a b\u1ea1n cung c\u1ea5p kho\u1ea3n \u0111\u00f3ng g\u00f3p t\u01b0\u01a1ng \u1ee9ng 100% l\u00ean \u0111\u1ebfn 3% t\u1eeb ti\u1ec1n l\u01b0\u01a1ng c\u1ee7a b\u1ea1n, h\u00e3y c\u1ed1 g\u1eafng \u0111\u00f3ng g\u00f3p \u00edt nh\u1ea5t 3% \u0111\u1ec3 t\u1eadn d\u1ee5ng t\u1ed1i \u0111a kho\u1ea3n \u0111\u00f3ng g\u00f3p t\u01b0\u01a1ng \u1ee9ng n\u00e0y.<\/li>\n\n\n\n<li><strong>\u0110\u00f3ng g\u00f3p t\u1ef1 \u0111\u1ed9ng<\/strong>:H\u1ea7u h\u1ebft c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh do ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng t\u00e0i tr\u1ee3 \u0111\u1ec1u cho ph\u00e9p b\u1ea1n thi\u1ebft l\u1eadp c\u00e1c kho\u1ea3n \u0111\u00f3ng g\u00f3p t\u1ef1 \u0111\u1ed9ng t\u1eeb m\u1ed7i k\u1ef3 l\u01b0\u01a1ng, gi\u00fap b\u1ea1n d\u1ec5 d\u00e0ng ti\u1ebft ki\u1ec7m m\u1ed9t c\u00e1ch nh\u1ea5t qu\u00e1n.<\/li>\n\n\n\n<li><strong>C\u00e1c l\u1ef1a ch\u1ecdn \u0111\u1ea7u t\u01b0<\/strong>: Nhi\u1ec1u ch\u01b0\u01a1ng tr\u00ecnh c\u1ee7a nh\u00e0 tuy\u1ec3n d\u1ee5ng cho ph\u00e9p b\u1ea1n l\u1ef1a ch\u1ecdn t\u1eeb nhi\u1ec1u l\u1ef1a ch\u1ecdn \u0111\u1ea7u t\u01b0 kh\u00e1c nhau. H\u00e3y t\u00ecm ki\u1ebfm c\u00e1c qu\u1ef9 ch\u1ec9 s\u1ed1 chi ph\u00ed th\u1ea5p ho\u1eb7c qu\u1ef9 m\u1ee5c ti\u00eau, \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 t\u1ef1 \u0111\u1ed9ng \u0111i\u1ec1u ch\u1ec9nh kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n khi b\u1ea1n \u0111\u1ebfn tu\u1ed5i ngh\u1ec9 h\u01b0u.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">4. M\u1edf T\u00e0i kho\u1ea3n H\u01b0u tr\u00ed C\u00e1 nh\u00e2n (IRA)<\/h2>\n\n\n\n<p>Ngo\u00e0i ch\u01b0\u01a1ng tr\u00ecnh do c\u00f4ng ty t\u00e0i tr\u1ee3, b\u1ea1n n\u00ean c\u00e2n nh\u1eafc m\u1edf T\u00e0i kho\u1ea3n H\u01b0u tr\u00ed C\u00e1 nh\u00e2n (IRA). IRA l\u00e0 m\u1ed9t t\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c h\u01b0\u1edfng \u01b0u \u0111\u00e3i v\u1ec1 thu\u1ebf, cho ph\u00e9p b\u1ea1n t\u1ef1 ti\u1ebft ki\u1ec7m cho h\u01b0u tr\u00ed, \u0111\u1ed9c l\u1eadp v\u1edbi c\u00f4ng ty.<\/p>\n\n\n\n<p>C\u00f3 hai lo\u1ea1i IRA ch\u00ednh:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>IRA truy\u1ec1n th\u1ed1ng<\/strong>:C\u00e1c kho\u1ea3n \u0111\u00f3ng g\u00f3p v\u00e0o IRA truy\u1ec1n th\u1ed1ng \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb thu\u1ebf v\u00e0 kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c ho\u00e3n thu\u1ebf cho \u0111\u1ebfn khi b\u1ea1n r\u00fat ti\u1ec1n khi ngh\u1ec9 h\u01b0u.<\/li>\n\n\n\n<li><strong>Roth IRA<\/strong>:C\u00e1c kho\u1ea3n \u0111\u00f3ng g\u00f3p v\u00e0o Roth IRA \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1eb1ng ti\u1ec1n sau thu\u1ebf, nh\u01b0ng c\u00e1c kho\u1ea3n r\u00fat ti\u1ec1n \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n s\u1ebd \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf khi ngh\u1ec9 h\u01b0u.<\/li>\n<\/ul>\n\n\n\n<p>IRA th\u01b0\u1eddng c\u00f3 gi\u1edbi h\u1ea1n \u0111\u00f3ng g\u00f3p th\u1ea5p h\u01a1n so v\u1edbi c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh do ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng t\u00e0i tr\u1ee3, nh\u01b0ng ch\u00fang mang l\u1ea1i s\u1ef1 linh ho\u1ea1t h\u01a1n trong chi\u1ebfn l\u01b0\u1ee3c ti\u1ebft ki\u1ec7m h\u01b0u tr\u00ed c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. \u0110\u1ea7u t\u01b0 kh\u00f4n ngoan<\/h2>\n\n\n\n<p>Ch\u00eca kh\u00f3a \u0111\u1ec3 t\u0103ng tr\u01b0\u1edfng ti\u1ec1n ti\u1ebft ki\u1ec7m h\u01b0u tr\u00ed c\u1ee7a b\u1ea1n l\u00e0 \u0111\u1ea7u t\u01b0 m\u1ed9t c\u00e1ch kh\u00f4n ngoan. M\u1eb7c d\u00f9 vi\u1ec7c ti\u1ebft ki\u1ec7m ti\u1ec1n trong t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m ho\u1eb7c d\u01b0\u1edbi n\u1ec7m c\u00f3 th\u1ec3 mang l\u1ea1i c\u1ea3m gi\u00e1c an to\u00e0n, nh\u01b0ng n\u00f3 s\u1ebd kh\u00f4ng t\u1ea1o ra l\u1ee3i nhu\u1eadn c\u1ea7n thi\u1ebft \u0111\u1ec3 b\u1ea1n gia t\u0103ng t\u00e0i s\u1ea3n theo th\u1eddi gian. \u0110\u1ec3 ti\u1ec1n ti\u1ebft ki\u1ec7m h\u01b0u tr\u00ed c\u1ee7a b\u1ea1n theo k\u1ecbp l\u1ea1m ph\u00e1t v\u00e0 t\u0103ng tr\u01b0\u1edfng, b\u1ea1n c\u1ea7n ph\u1ea3i \u0111\u1ea7u t\u01b0.<\/p>\n\n\n\n<p>D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 l\u1ef1a ch\u1ecdn \u0111\u1ea7u t\u01b0 ph\u1ed5 bi\u1ebfn cho vi\u1ec7c ngh\u1ec9 h\u01b0u:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>C\u1ed5 phi\u1ebfu<\/strong>: C\u1ed5 phi\u1ebfu c\u00f3 ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng cao, nh\u01b0ng c\u0169ng \u0111i k\u00e8m r\u1ee7i ro cao h\u01a1n. M\u1ed9t danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ed5 phi\u1ebfu \u0111a d\u1ea1ng h\u00f3a t\u1ed1t th\u01b0\u1eddng l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 tr\u1ebb.<\/li>\n\n\n\n<li><strong>Tr\u00e1i phi\u1ebfu<\/strong>: Tr\u00e1i phi\u1ebfu th\u01b0\u1eddng an to\u00e0n h\u01a1n c\u1ed5 phi\u1ebfu, nh\u01b0ng l\u1ee3i nhu\u1eadn th\u1ea5p h\u01a1n. Khi b\u1ea1n g\u1ea7n \u0111\u1ebfn tu\u1ed5i ngh\u1ec9 h\u01b0u, b\u1ea1n c\u00f3 th\u1ec3 mu\u1ed1n chuy\u1ec3n m\u1ed9t ph\u1ea7n kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a m\u00ecnh sang tr\u00e1i phi\u1ebfu \u0111\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro.<\/li>\n\n\n\n<li><strong>Qu\u1ef9 t\u01b0\u01a1ng h\u1ed7 v\u00e0 ETF<\/strong>:Qu\u1ef9 t\u01b0\u01a1ng h\u1ed7 v\u00e0 qu\u1ef9 giao d\u1ecbch tr\u00ean s\u00e0n (ETF) l\u00e0 m\u1ed9t c\u00e1ch t\u1ed1t \u0111\u1ec3 \u0111a d\u1ea1ng h\u00f3a kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n tr\u00ean nhi\u1ec1u lo\u1ea1i t\u00e0i s\u1ea3n, ch\u1eb3ng h\u1ea1n nh\u01b0 c\u1ed5 phi\u1ebfu v\u00e0 tr\u00e1i phi\u1ebfu.<\/li>\n<\/ul>\n\n\n\n<p>Ch\u00eca kh\u00f3a cho \u0111\u1ea7u t\u01b0 th\u00e0nh c\u00f4ng l\u00e0 b\u1eaft \u0111\u1ea7u s\u1edbm, \u0111\u00f3ng g\u00f3p \u0111\u1ec1u \u0111\u1eb7n v\u00e0 duy tr\u00ec k\u1ef7 lu\u1eadt. Theo th\u1eddi gian, kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n s\u1ebd t\u0103ng tr\u01b0\u1edfng, cho ph\u00e9p b\u1ea1n \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau ngh\u1ec9 h\u01b0u.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">6. Theo d\u00f5i v\u00e0 \u0111i\u1ec1u ch\u1ec9nh chi\u1ebfn l\u01b0\u1ee3c ti\u1ebft ki\u1ec7m c\u1ee7a b\u1ea1n<\/h2>\n\n\n\n<p>Khi s\u1ef1 nghi\u1ec7p th\u0103ng ti\u1ebfn v\u00e0 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh thay \u0111\u1ed5i, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i th\u01b0\u1eddng xuy\u00ean theo d\u00f5i kho\u1ea3n ti\u1ebft ki\u1ec7m h\u01b0u tr\u00ed v\u00e0 \u0111i\u1ec1u ch\u1ec9nh chi\u1ebfn l\u01b0\u1ee3c n\u1ebfu c\u1ea7n. M\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 thay \u0111\u1ed5i theo th\u1eddi gian, ho\u1eb7c b\u1ea1n c\u00f3 th\u1ec3 g\u1eb7p ph\u1ea3i nh\u1eefng th\u00e1ch th\u1ee9c t\u00e0i ch\u00ednh b\u1ea5t ng\u1edd \u0111\u00f2i h\u1ecfi ph\u1ea3i \u0111i\u1ec1u ch\u1ec9nh t\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m ho\u1eb7c l\u1ef1a ch\u1ecdn \u0111\u1ea7u t\u01b0.<\/p>\n\n\n\n<p>M\u1ed9t s\u1ed1 m\u1eb9o \u0111\u1ec3 duy tr\u00ec ti\u1ebfn \u0111\u1ed9:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Xem x\u00e9t l\u1ea1i k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u c\u1ee7a b\u1ea1n h\u00e0ng n\u0103m<\/strong>: Xem x\u00e9t ti\u1ebfn \u0111\u1ed9 c\u1ee7a b\u1ea1n, \u0111\u00e1nh gi\u00e1 nh\u1eefng \u0111\u00f3ng g\u00f3p hi\u1ec7n t\u1ea1i v\u00e0 th\u1ef1c hi\u1ec7n \u0111i\u1ec1u ch\u1ec9nh n\u1ebfu c\u1ea7n thi\u1ebft.<\/li>\n\n\n\n<li><strong>T\u0103ng \u0111\u00f3ng g\u00f3p khi thu nh\u1eadp t\u0103ng<\/strong>:Khi l\u01b0\u01a1ng c\u1ee7a b\u1ea1n t\u0103ng l\u00ean, h\u00e3y c\u1ed1 g\u1eafng t\u0103ng t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m thu nh\u1eadp b\u1ea1n \u0111\u00f3ng g\u00f3p v\u00e0o qu\u1ef9 ti\u1ebft ki\u1ec7m h\u01b0u tr\u00ed.<\/li>\n\n\n\n<li><strong>C\u00e2n b\u1eb1ng l\u1ea1i danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n<\/strong>: Theo th\u1eddi gian, m\u1ed9t s\u1ed1 kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 ho\u1ea1t \u0111\u1ed9ng t\u1ed1t h\u01a1n nh\u1eefng kho\u1ea3n \u0111\u1ea7u t\u01b0 kh\u00e1c. Vi\u1ec7c t\u00e1i c\u00e2n b\u1eb1ng danh m\u1ee5c \u0111\u1ea7u t\u01b0 s\u1ebd \u0111\u1ea3m b\u1ea3o c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n ph\u00f9 h\u1ee3p v\u1edbi kh\u1ea3 n\u0103ng ch\u1ea5p nh\u1eadn r\u1ee7i ro v\u00e0 m\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>K\u1ebft lu\u1eadn: H\u00e3y b\u1eaft \u0111\u1ea7u ti\u1ebft ki\u1ec7m cho h\u01b0u tr\u00ed ngay h\u00f4m nay<\/strong><\/p>\n\n\n\n<p>B\u1ea1n b\u1eaft \u0111\u1ea7u ti\u1ebft ki\u1ec7m cho h\u01b0u tr\u00ed c\u00e0ng s\u1edbm th\u00ec vi\u1ec7c \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau c\u00e0ng d\u1ec5 d\u00e0ng h\u01a1n. B\u1eb1ng c\u00e1ch \u0111\u00f3ng g\u00f3p v\u00e0o m\u1ed9t ch\u01b0\u01a1ng tr\u00ecnh do c\u00f4ng ty t\u00e0i tr\u1ee3, m\u1edf m\u1ed9t t\u00e0i kho\u1ea3n h\u01b0u tr\u00ed c\u00e1 nh\u00e2n (IRA) v\u00e0 \u0111\u1ea7u t\u01b0 kh\u00f4n ngoan, b\u1ea1n c\u00f3 th\u1ec3 t\u1ef1 t\u1ea1o d\u1ef1ng cho m\u00ecnh m\u1ed9t n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh v\u1eefng ch\u1eafc khi ngh\u1ec9 h\u01b0u. H\u00e3y nh\u1edb r\u1eb1ng, s\u1ef1 ki\u00ean tr\u00ec l\u00e0 ch\u00eca kh\u00f3a - nh\u1eefng kho\u1ea3n \u0111\u00f3ng g\u00f3p nh\u1ecf h\u00f4m nay c\u00f3 th\u1ec3 mang l\u1ea1i nh\u1eefng ph\u1ea7n th\u01b0\u1edfng l\u1edbn trong t\u01b0\u01a1ng lai.<\/p>","protected":false},"excerpt":{"rendered":"<p>Ti\u1ebft ki\u1ec7m cho h\u01b0u tr\u00ed l\u00e0 m\u1ed9t trong nh\u1eefng m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh quan tr\u1ecdng nh\u1ea5t b\u1ea1n c\u00f3 th\u1ec3 \u0111\u1eb7t ra. Tuy nhi\u00ean, \u0111\u00e2y c\u00f3 v\u1ebb l\u00e0 m\u1ed9t nhi\u1ec7m v\u1ee5 kh\u00f3 kh\u0103n, \u0111\u1eb7c bi\u1ec7t n\u1ebfu b\u1ea1n m\u1edbi b\u1eaft \u0111\u1ea7u. B\u1ea1n c\u00e0ng b\u1eaft \u0111\u1ea7u ti\u1ebft ki\u1ec7m cho h\u01b0u tr\u00ed s\u1edbm, ti\u1ec1n c\u1ee7a b\u1ea1n c\u00e0ng c\u00f3 nhi\u1ec1u th\u1eddi gian \u0111\u1ec3 sinh l\u1eddi, v\u00e0 b\u1ea1n c\u00e0ng \u00edt ph\u1ea3i ti\u1ebft ki\u1ec7m m\u1ed7i th\u00e1ng \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c\u2026 <a title=\"C\u00e1ch ti\u1ebft ki\u1ec7m cho h\u01b0u tr\u00ed khi m\u1edbi b\u1eaft \u0111\u1ea7u\" class=\"read-more\" href=\"https:\/\/techsmoney.com\/vi\/how-to-save-for-retirement-as-a-beginner\/\" aria-label=\"\u0110\u1ecdc th\u00eam v\u1ec1 How to Save for Retirement as a Beginner\">\u0110\u1ecdc ti\u1ebfp<\/a><\/p>","protected":false},"author":2,"featured_media":190,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[31,16,10,7,24,15],"class_list":["post-189","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-golden-tips","tag-beginners","tag-for-beginners","tag-golden-tips","tag-money","tag-set-financial","tag-tips"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts\/189","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/comments?post=189"}],"version-history":[{"count":1,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts\/189\/revisions"}],"predecessor-version":[{"id":191,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts\/189\/revisions\/191"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/media\/190"}],"wp:attachment":[{"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/media?parent=189"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/categories?post=189"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/tags?post=189"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}