{"id":3644,"date":"2025-07-01T11:13:46","date_gmt":"2025-07-01T11:13:46","guid":{"rendered":"https:\/\/htp.org.vn\/?p=3644"},"modified":"2025-08-14T06:06:27","modified_gmt":"2025-08-14T06:06:27","slug":"quan-ly-tai-chinh-ca-nhan-cach-genz-sang-tao-voi-ke-hoach-tai-chinh","status":"publish","type":"post","link":"https:\/\/htp.org.vn\/en\/quan-ly-tai-chinh-ca-nhan-cach-genz-sang-tao-voi-ke-hoach-tai-chinh\/","title":{"rendered":"Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n: C\u00e1ch GenZ s\u00e1ng t\u1ea1o v\u1edbi k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh"},"content":{"rendered":"<p>Ng\u1eebng u\u1ed1ng tr\u00e0 s\u1eefa c\u00f3 gi\u00fap b\u1ea1n ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c ti\u1ec1n?<\/p>\n<h2>Chi ti\u00eau th\u00f4ng minh \u2013 \u201cSi\u00eau n\u0103ng l\u1ef1c\u201d Gen Z<\/h2>\n<ul>\n<li data-start=\"603\" data-end=\"698\">\n<p data-start=\"605\" data-end=\"698\"><strong data-start=\"605\" data-end=\"634\">X\u00e1c \u0111\u1ecbnh thu nh\u1eadp th\u1ef1c t\u1ebf<\/strong>: L\u1ea5y t\u1ed5ng thu nh\u1eadp m\u1ed7i th\u00e1ng (l\u01b0\u01a1ng, freelance, ngu\u1ed3n thu ph\u1ee5).<\/p>\n<\/li>\n<li data-start=\"699\" data-end=\"904\">\n<p data-start=\"701\" data-end=\"748\"><strong data-start=\"701\" data-end=\"729\">\u00c1p d\u1ee5ng quy t\u1eafc 50\/30\/20<\/strong> (Warren Buffet):<\/p>\n<ul data-start=\"751\" data-end=\"904\">\n<li data-start=\"751\" data-end=\"808\">\n<p data-start=\"753\" data-end=\"808\">50% cho nhu c\u1ea7u thi\u1ebft y\u1ebfu (\u0103n u\u1ed1ng, \u0111i l\u1ea1i, h\u00f3a \u0111\u01a1n).<\/p>\n<\/li>\n<li data-start=\"811\" data-end=\"872\">\n<p data-start=\"813\" data-end=\"872\">30% cho chi ti\u00eau linh ho\u1ea1t (gi\u1ea3i tr\u00ed, mua s\u1eafm, s\u1edf th\u00edch).<\/p>\n<\/li>\n<li data-start=\"875\" data-end=\"904\">\n<p data-start=\"877\" data-end=\"904\">20% \u0111\u1ec3 ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li data-start=\"905\" data-end=\"1020\">\n<p data-start=\"907\" data-end=\"1020\"><strong data-start=\"907\" data-end=\"940\">S\u1eed d\u1ee5ng app theo d\u00f5i chi ti\u00eau<\/strong> nh\u01b0 Money Lover, Misa, Spendee\u2026 \u0111\u1ec3 th\u1ea5y r\u00f5 d\u00f2ng ti\u1ec1n, gi\u1ea3m chi kh\u00f4ng c\u1ea7n thi\u1ebft.<br \/>\n<span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\"><strong data-start=\"0\" data-end=\"33\" data-is-only-node=\"\">&#8211; Chi\u1ebfn thu\u1eadt using credit card<\/strong>: t\u1eadn d\u1ee5ng \u01b0u \u0111\u00e3i ho\u00e0n ti\u1ec1n, theo d\u00f5i chi ti\u00eau nh\u01b0ng c\u1ea7n thanh to\u00e1n \u0111\u00fang h\u1ea1n \u0111\u1ec3 tr\u00e1nh l\u00e3i su\u1ea5t cao<\/span> .<br \/>\n<span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\"><strong data-start=\"0\" data-end=\"32\" data-is-only-node=\"\">&#8211; S\u1eed d\u1ee5ng app qu\u1ea3n l\u00fd chi ti\u00eau<\/strong> gi\u00fap minh b\u1ea1ch h\u00f3a m\u1ecdi kho\u1ea3n \u2013 t\u1eeb c\u00e0 ph\u00ea t\u1edbi \u0111i\u1ec7n tho\u1ea1i \u2013 v\u00e0 ng\u0103n ch\u1eb7n vi\u1ec7c chi qu\u00e1 tay<\/span> .<\/p>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2>Ti\u1ebft ki\u1ec7m k\u1ef7 lu\u1eadt \u2013 t\u1eeb \u201cqu\u1ef9 ch\u00ecm\u201d \u0111\u1ebfn \u201cqu\u1ef9 kh\u1ea9n c\u1ea5p\u201d<\/h2>\n<p><strong data-start=\"0\" data-end=\"27\" data-is-only-node=\"\">Qu\u1ef9 ch\u00ecm (sinking fund)<\/strong> l\u00e0 ph\u01b0\u01a1ng ph\u00e1p ph\u00e2n b\u1ed5 m\u1ed7i th\u00e1ng m\u1ed9t kho\u1ea3n nh\u1ecf cho chi ti\u00eau d\u1ef1 ki\u1ebfn t\u01b0\u01a1ng lai nh\u01b0 ngh\u1ec9 m\u00e1t, qu\u00e0 T\u1ebft\u2026 gi\u00fap tr\u00e1nh \u201cth\u00e2m h\u1ee5t l\u01b0\u01a1ng cu\u1ed1i th\u00e1ng\u201d<\/p>\n<p><strong data-start=\"0\" data-end=\"33\" data-is-only-node=\"\">Qu\u1ef9 kh\u1ea9n c\u1ea5p (emergency fund)<\/strong> n\u00ean t\u1ed1i thi\u1ec3u \u0111\u1ee7 cho 3\u20136 th\u00e1ng chi ph\u00ed c\u01a1 b\u1ea3n \u2013 ph\u00f2ng tr\u01b0\u1eddng h\u1ee3p m\u1ea5t vi\u1ec7c ho\u1eb7c s\u1ef1 c\u1ed1 b\u1ea5t ng\u1edd<\/p>\n<ul data-start=\"1166\" data-end=\"1599\">\n<li data-start=\"1166\" data-end=\"1315\">\n<p data-start=\"1168\" data-end=\"1195\"><strong data-start=\"1168\" data-end=\"1192\">\u0110\u1eb7t m\u1ee5c ti\u00eau r\u00f5 r\u00e0ng<\/strong>:<\/p>\n<ul data-start=\"1198\" data-end=\"1315\">\n<li data-start=\"1198\" data-end=\"1245\">\n<p data-start=\"1200\" data-end=\"1245\">Qu\u1ef9 d\u1ef1 ph\u00f2ng: t\u1eeb 3\u20136 th\u00e1ng chi ph\u00ed c\u1ed1 \u0111\u1ecbnh.<\/p>\n<\/li>\n<li data-start=\"1248\" data-end=\"1315\">\n<p data-start=\"1250\" data-end=\"1315\">M\u1ee5c ti\u00eau ng\u1eafn h\u1ea1n (du l\u1ecbch, mua xe) ho\u1eb7c d\u00e0i h\u1ea1n (gi\u00e1o d\u1ee5c, nh\u00e0).<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li data-start=\"1316\" data-end=\"1488\">\n<p data-start=\"1318\" data-end=\"1346\"><strong data-start=\"1318\" data-end=\"1343\">L\u1eadp ti\u1ebft ki\u1ec7m t\u1ef1 \u0111\u1ed9ng<\/strong>:<\/p>\n<p>Tr\u00edch 20% thu nh\u1eadp v\u00e0o t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m ngay khi nh\u1eadn l\u01b0\u01a1ng.<br \/>\n\u01afu ti\u00ean t\u00e0i kho\u1ea3n k\u1ef3 h\u1ea1n, ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n \u0111\u1ec3 tr\u00e1nh r\u00fat th\u1ea3 c\u1eeda.<\/li>\n<li data-start=\"1489\" data-end=\"1599\">\n<p data-start=\"1491\" data-end=\"1515\"><strong data-start=\"1491\" data-end=\"1512\">C\u00e2n nh\u1eafc l\u00e3i su\u1ea5t<\/strong>:<\/p>\n<p>T\u1ea1i Vi\u1ec7t Nam hi\u1ec7n nay, ti\u1ebft ki\u1ec7m ng\u00e2n h\u00e0ng kho\u1ea3ng 5\u20137%\/n\u0103m (k\u1ef3 h\u1ea1n 6\u201312 th\u00e1ng)<\/li>\n<\/ul>\n<p>M\u1eb9o: m\u1edf nhi\u1ec1u t\u00e0i kho\u1ea3n \u2013 t\u00e0i kho\u1ea3n chi ti\u00eau, t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m, t\u00e0i kho\u1ea3n m\u1ee5c ti\u00eau \u0111\u1ec3 tr\u00e1nh l\u1eabn l\u1ed9n.<\/p>\n<h2>\u0110\u1ea7u t\u01b0 hi\u1ec7u qu\u1ea3: Ch\u1ecdn ph\u01b0\u01a1ng th\u1ee9c ph\u00f9 h\u1ee3p v\u1edbi b\u1ea1n<\/h2>\n<h3 data-start=\"1774\" data-end=\"1812\">Tr\u00e1i phi\u1ebfu &amp; ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi<\/h3>\n<ul data-start=\"1813\" data-end=\"1916\">\n<li data-start=\"1813\" data-end=\"1868\">\n<p data-start=\"1815\" data-end=\"1868\">R\u1ee7i ro th\u1ea5p, l\u00e3i su\u1ea5t cao h\u01a1n ti\u1ebft ki\u1ec7m (~6\u201310%\/n\u0103m).<\/p>\n<\/li>\n<li data-start=\"1869\" data-end=\"1916\">\n<p data-start=\"1871\" data-end=\"1916\">Ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c ti\u00eau d\u00e0i h\u1ea1n v\u00e0 \u00edt linh ho\u1ea1t.<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"1918\" data-end=\"1942\">Qu\u1ef9 m\u1edf &amp; c\u1ed5 phi\u1ebfu<\/h3>\n<ul data-start=\"1943\" data-end=\"2158\">\n<li data-start=\"1943\" data-end=\"2046\">\n<p data-start=\"1945\" data-end=\"2046\">Qu\u1ef9 m\u1edf: \u0111\u1ea7u t\u01b0 gi\u00e1n ti\u1ebfp, \u0111\u01b0\u1ee3c chuy\u00ean gia qu\u1ea3n l\u00fd, ph\u00f9 h\u1ee3p ng\u01b0\u1eddi m\u1edbi \u2013 l\u1ee3i nhu\u1eadn d\u1ef1 ki\u1ebfn ~10\u201315%\/n\u0103m.<\/p>\n<\/li>\n<li data-start=\"2047\" data-end=\"2158\">\n<p data-start=\"2049\" data-end=\"2158\">C\u1ed5 phi\u1ebfu: r\u1ee7i ro cao, c\u1ea7n ki\u1ebfn th\u1ee9c c\u01a1 b\u1ea3n v\u1ec1 doanh nghi\u1ec7p \u2013 kh\u00f4ng \u0111\u1ea7u t\u01b0 \u201cgiao d\u1ecbch nhanh\u201d n\u1ebfu ch\u01b0a bi\u1ebft r\u00f5.<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"2160\" data-end=\"2209\">B\u1ea5t \u0111\u1ed9ng s\u1ea3n nh\u1ecf l\u1ebb, kim lo\u1ea1i qu\u00fd, ti\u1ec1n s\u1ed1<\/h3>\n<ul data-start=\"2210\" data-end=\"2400\">\n<li data-start=\"2210\" data-end=\"2279\">\n<p data-start=\"2212\" data-end=\"2279\">B\u0110S: c\u1ea7n v\u1ed1n l\u1edbn, d\u1ec5 b\u1ecb \u201cd\u00ednh\u201d l\u1ea1m ph\u00e1t v\u00e0 t\u00ednh thanh kho\u1ea3n th\u1ea5p.<\/p>\n<\/li>\n<li data-start=\"2280\" data-end=\"2326\">\n<p data-start=\"2282\" data-end=\"2326\">Kim lo\u1ea1i: gi\u1eef d\u00e0i h\u1ea1n, ph\u00f2ng tr\u1eeb l\u1ea1m ph\u00e1t.<\/p>\n<\/li>\n<li data-start=\"2327\" data-end=\"2400\">\n<p data-start=\"2329\" data-end=\"2400\">Crypto: ti\u1ec1m n\u0103ng cao nh\u01b0ng bi\u1ebfn \u0111\u1ed9ng m\u1ea1nh, ch\u1ec9 n\u00ean chi\u1ebfm t\u1ec9 tr\u1ecdng nh\u1ecf.<\/p>\n<\/li>\n<\/ul>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-3647\" src=\"http:\/\/htp.org.vn\/wp-content\/uploads\/2025\/07\/dsfsdfdf.jpg\" alt=\"\" width=\"1191\" height=\"668\" \/><\/p>\n<h2>M\u1eb9o \u0111\u1ec3 b\u1ea1n b\u1eaft \u0111\u1ea7u h\u00f4m nay<\/h2>\n<table>\n<thead>\n<tr>\n<th>M\u1ee5c<\/th>\n<th>H\u00e0nh \u0111\u1ed9ng c\u1ee5 th\u1ec3<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Chi ti\u00eau<\/strong><\/td>\n<td>D\u00f9ng th\u1ebb t\u00edn d\u1ee5ng c\u00f3 ho\u00e0n ti\u1ec1n, ph\u00e2n b\u1ed5 20% thu nh\u1eadp cho chi ti\u00eau<\/td>\n<\/tr>\n<tr>\n<td><strong>Ti\u1ebft ki\u1ec7m<\/strong><\/td>\n<td>T\u1ef1 \u0111\u1ed9ng g\u1eedi 20\u201340% thu nh\u1eadp v\u00e0o qu\u1ef9 ti\u1ebft ki\u1ec7m l\u1eadp s\u1eb5n<\/td>\n<\/tr>\n<tr>\n<td><strong>Qu\u1ef9 kh\u1ea9n c\u1ea5p<\/strong><\/td>\n<td>D\u00e0nh ra 3\u20136 th\u00e1ng chi ph\u00ed, \u01b0u ti\u00ean \u1ed5n \u0111\u1ecbnh t\u00e0i kho\u1ea3n kh\u1ea3 d\u1ee5ng<\/td>\n<\/tr>\n<tr>\n<td><strong>Qu\u1ef9 ch\u00ecm<\/strong><\/td>\n<td>D\u1ef1 ph\u00f2ng cho l\u1ec5 T\u1ebft, s\u1eeda ch\u1eefa, qu\u00e0 c\u01b0\u1edbi, du l\u1ecbch\u2026<\/td>\n<\/tr>\n<tr>\n<td><strong>\u0110\u1ea7u t\u01b0<\/strong><\/td>\n<td>DCA v\u00e0o c\u1ed5 phi\u1ebfu\/v\u00e0ng\/qu\u1ef9; max 5% danh m\u1ee5c v\u00e0o crypto n\u1ebfu \u01b0a r\u1ee7i ro<\/td>\n<\/tr>\n<tr>\n<td><strong>Gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh<\/strong><\/td>\n<td>\u0110\u1ecdc s\u00e1ch nh\u01b0 Ti\u1ec1n c\u00f3 t\u1ec7, <em>The Intelligent Investor<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<h2>T\u1ed5ng k\u1ebft<\/h2>\n<p data-start=\"2086\" data-end=\"2213\">Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n kh\u00f4ng ch\u1ec9 l\u00e0 ti\u1ebft ki\u1ec7m t\u1eebng \u0111\u1ed3ng, m\u00e0 l\u00e0 x\u00e2y d\u1ef1ng <strong data-start=\"2161\" data-end=\"2212\">th\u00f3i quen, k\u1ef7 lu\u1eadt v\u00e0 chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 l\u00e2u d\u00e0i<\/strong>:<\/p>\n<ul data-start=\"2215\" data-end=\"2366\">\n<li data-start=\"2215\" data-end=\"2257\">\n<p data-start=\"2217\" data-end=\"2257\">Chi ti\u00eau minh b\u1ea1ch \u0111\u1ec3 bi\u1ebft r\u00f5 d\u00f2ng ti\u1ec1n.<\/p>\n<\/li>\n<li data-start=\"2258\" data-end=\"2315\">\n<p data-start=\"2260\" data-end=\"2315\">Ti\u1ebft ki\u1ec7m c\u00f3 h\u1ec7 th\u1ed1ng \u0111\u1ec3 \u0111\u1ed1i ph\u00f3 s\u1ef1 c\u1ed1 v\u00e0 m\u1ee5c ti\u00eau l\u1edbn.<\/p>\n<\/li>\n<li data-start=\"2316\" data-end=\"2366\">\n<p data-start=\"2318\" data-end=\"2366\">\u0110\u1ea7u t\u01b0 th\u00f4ng minh \u0111\u1ec3 b\u1ea3o v\u1ec7 v\u00e0 sinh l\u1eddi d\u00e0i h\u1ea1n.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2368\" data-end=\"2531\">Gen Z Vi\u1ec7t Nam ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 l\u1eadp k\u1ebf ho\u1ea1ch t\u1ef1 do t\u00e0i ch\u00ednh n\u1ebfu n\u1eafm \u0111\u01b0\u1ee3c 3 tr\u1ee5 c\u1ed9t: <strong data-start=\"2453\" data-end=\"2486\">Chi ti\u00eau \u2013 Ti\u1ebft ki\u1ec7m \u2013 \u0110\u1ea7u t\u01b0<\/strong> v\u00e0 ki\u00ean tr\u00ec theo \u0111u\u1ed5i m\u00f4 h\u00ecnh \u0111\u00e3 ki\u1ec3m ch\u1ee9ng.<\/p>","protected":false},"excerpt":{"rendered":"<p>Ng\u1eebng u\u1ed1ng tr\u00e0 s\u1eefa c\u00f3 gi\u00fap b\u1ea1n ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c ti\u1ec1n? Chi ti\u00eau th\u00f4ng minh \u2013 \u201cSi\u00eau n\u0103ng l\u1ef1c\u201d Gen Z X\u00e1c \u0111\u1ecbnh thu nh\u1eadp th\u1ef1c t\u1ebf: L\u1ea5y t\u1ed5ng thu nh\u1eadp m\u1ed7i th\u00e1ng (l\u01b0\u01a1ng, freelance, ngu\u1ed3n thu ph\u1ee5). \u00c1p d\u1ee5ng quy t\u1eafc 50\/30\/20 (Warren Buffet): 50% cho nhu c\u1ea7u thi\u1ebft y\u1ebfu (\u0103n u\u1ed1ng, \u0111i l\u1ea1i, [&hellip;]<\/p>","protected":false},"author":1,"featured_media":3708,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[],"class_list":["post-3644","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tin-tuc"],"_links":{"self":[{"href":"https:\/\/htp.org.vn\/en\/wp-json\/wp\/v2\/posts\/3644","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/htp.org.vn\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/htp.org.vn\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/htp.org.vn\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/htp.org.vn\/en\/wp-json\/wp\/v2\/comments?post=3644"}],"version-history":[{"count":2,"href":"https:\/\/htp.org.vn\/en\/wp-json\/wp\/v2\/posts\/3644\/revisions"}],"predecessor-version":[{"id":3709,"href":"https:\/\/htp.org.vn\/en\/wp-json\/wp\/v2\/posts\/3644\/revisions\/3709"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/htp.org.vn\/en\/wp-json\/wp\/v2\/media\/3708"}],"wp:attachment":[{"href":"https:\/\/htp.org.vn\/en\/wp-json\/wp\/v2\/media?parent=3644"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/htp.org.vn\/en\/wp-json\/wp\/v2\/categories?post=3644"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/htp.org.vn\/en\/wp-json\/wp\/v2\/tags?post=3644"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}