{"id":10598,"date":"2026-08-14T06:17:22","date_gmt":"2026-08-13T23:17:22","guid":{"rendered":"https:\/\/useful.vn\/?p=10598"},"modified":"2026-08-14T06:17:22","modified_gmt":"2026-08-13T23:17:22","slug":"sbj-bac-mo-them-lua-chon-dau-tu-cho-nguoi-co-von-nho","status":"publish","type":"post","link":"https:\/\/useful.vn\/?p=10598","title":{"rendered":"SBJ: B\u1ea1c m\u1edf th\u00eam l\u1ef1a ch\u1ecdn \u0111\u1ea7u t\u01b0 cho ng\u01b0\u1eddi c\u00f3 v\u1ed1n nh\u1ecf"},"content":{"rendered":"
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\nSBJ: B\u1ea1c m\u1edf th\u00eam l\u1ef1a ch\u1ecdn \u0111\u1ea7u t\u01b0 cho ng\u01b0\u1eddi c\u00f3 v\u1ed1n nh\u1ecf <\/h1>\n

B\u1ea1c \u0111\u01b0\u1ee3c nhi\u1ec1u ng\u01b0\u1eddi ch\u1ecdn l\u00e0m k\u00eanh b\u1ed5 sung trong k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n nh\u1edd v\u1ed1n ti\u1ebfp c\u1eadn th\u1ea5p v\u00e0 kh\u1ea3 n\u0103ng chia nh\u1ecf kho\u1ea3n t\u00edch l\u0169y, theo Gi\u00e1m \u0111\u1ed1c trung t\u00e2m kinh doanh Sacombank-SBJ.<\/p>\n

\u00d4ng V\u0169 Nh\u1eadt H\u1ea3i, Gi\u00e1m \u0111\u1ed1c trung t\u00e2m kinh doanh Sacombank-SBJ cho bi\u1ebft nhu c\u1ea7u t\u00edch l\u0169y t\u00e0i s\u1ea3n theo t\u1eebng giai \u0111o\u1ea1n \u0111ang m\u1edf ra c\u01a1 h\u1ed9i cho nhi\u1ec1u gi\u1ea3i ph\u00e1p \u0111\u1ea7u t\u01b0 c\u00f3 gi\u00e1 tr\u1ecb v\u1eeba ph\u1ea3i v\u00e0 d\u1ec5 ti\u1ebfp c\u1eadn. Trong \u0111\u00f3, b\u1ea1c \u00e9p v\u1ec9 Kim – Ph\u00fac – L\u1ed9c l\u00e0 m\u1ed9t trong nh\u1eefng s\u1ea3n ph\u1ea9m \u0111\u01b0\u1ee3c SBJ \u0111\u1ea9y m\u1ea1nh tr\u00ean th\u1ecb tr\u01b0\u1eddng. Trao \u0111\u1ed5i v\u1ec1 xu h\u01b0\u1edbng n\u00e0y, \u00f4ng H\u1ea3i c\u00f3 bu\u1ed5i chia s\u1ebb v\u1edbi VnExpress<\/em> v\u1ec1 g\u00f3c nh\u00ecn v\u1ec1 vai tr\u00f2 c\u1ee7a b\u1ea1c trong chi\u1ebfn l\u01b0\u1ee3c t\u00edch l\u0169y t\u00e0i s\u1ea3n t\u1eeb nh\u1eefng kho\u1ea3n ti\u1ec1n nh\u1ecf.<\/p>\n

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\u00d4ng V\u0169 Nh\u1eadt H\u1ea3i, Gi\u00e1m \u0111\u1ed1c Trung t\u00e2m Kinh doanh Sacombank-SBJ. \u1ea2nh: NVCC<\/em><\/p>\n<\/figcaption><\/figure>\n

– Trong b\u1ed1i c\u1ea3nh th\u1ecb tr\u01b0\u1eddng kim lo\u1ea1i qu\u00fd n\u0103m 2026 c\u00f3 nhi\u1ec1u bi\u1ebfn \u0111\u1ed9ng, SBJ ghi nh\u1eadn xu h\u01b0\u1edbng l\u1ef1a ch\u1ecdn b\u1ea1c c\u1ee7a ng\u01b0\u1eddi d\u00e2n thay \u0111\u1ed5i ra sao?<\/em><\/p>\n

– Ch\u00fang t\u00f4i ghi nh\u1eadn s\u1ef1 thay \u0111\u1ed5i r\u00f5 r\u1ec7t trong t\u01b0 duy t\u00e0i ch\u00ednh. Kh\u00f4ng ch\u1ec9 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 chuy\u00ean nghi\u1ec7p, nh\u00f3m kh\u00e1ch h\u00e0ng ch\u00ednh \u0111ang l\u1ef1a ch\u1ecdn b\u1ea1c th\u01b0\u1eddng l\u00e0 nh\u1eefng ng\u01b0\u1eddi l\u00e0m v\u0103n ph\u00f2ng, lao \u0111\u1ed9ng ph\u1ed5 th\u00f4ng v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 th\u1ebf h\u1ec7 tr\u1ebb.<\/p>\n

\u0110i\u1ec3m chung c\u1ee7a h\u1ecd l\u00e0 nhu c\u1ea7u “t\u00edch ti\u1ec3u th\u00e0nh \u0111\u1ea1i”. Thay v\u00ec gi\u1eef ti\u1ec1n m\u1eb7t d\u1ec5 m\u1ea5t gi\u00e1 do l\u1ea1m ph\u00e1t, h\u1ecd t\u00ecm ki\u1ebfm m\u1ed9t lo\u1ea1i t\u00e0i s\u1ea3n “th\u1eadt”, c\u1ea7m n\u1eafm \u0111\u01b0\u1ee3c v\u00e0 c\u00f3 gi\u00e1 tr\u1ecb n\u1ed9i t\u1ea1i. Trong b\u1ed1i c\u1ea3nh gi\u00e1 v\u00e0ng \u1edf m\u1ee9c cao, b\u1ea1c tr\u1edf th\u00e0nh l\u1ef1a ch\u1ecdn gi\u00fap h\u1ecd \u0111a d\u1ea1ng h\u00f3a t\u00e0i s\u1ea3n v\u1edbi s\u1ed1 v\u1ed1n d\u1ec5 ti\u1ebfp c\u1eadn h\u01a1n.<\/p>\n

– V\u1edbi ng\u01b0\u1eddi m\u1edbi \u0111i l\u00e0m ho\u1eb7c ch\u1ec9 c\u00f3 th\u1ec3 d\u00e0nh v\u00e0i tr\u0103m ngh\u00ecn \u0111\u1ebfn m\u1ed9t tri\u1ec7u \u0111\u1ed3ng m\u1ed7i th\u00e1ng, h\u1ecd n\u00ean b\u1eaft \u0111\u1ea7u t\u00edch l\u0169y b\u1ea1c nh\u01b0 th\u1ebf n\u00e0o?<\/em><\/p>\n

– V\u1edbi s\u1ed1 ti\u1ec1n t\u1eeb 500.000 \u0111\u1ed3ng \u0111\u1ebfn m\u1ed9t tri\u1ec7u \u0111\u1ed3ng, ng\u01b0\u1eddi mua c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u b\u1eb1ng c\u00e1ch tr\u00edch m\u1ed9t ph\u1ea7n thu nh\u1eadp h\u00e0ng th\u00e1ng. Hi\u1ec7n gi\u00e1 b\u1ea1c dao \u0111\u1ed9ng tr\u00ean hai tri\u1ec7u \u0111\u1ed3ng m\u1ed9t l\u01b0\u1ee3ng, v\u00ec v\u1eady t\u00f9y kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 mua m\u1ed9t l\u01b0\u1ee3ng m\u1ed7i th\u00e1ng ho\u1eb7c t\u00edch l\u0169y trong hai th\u00e1ng \u0111\u1ec3 mua m\u1ed9t l\u1ea7n.<\/p>\n

Theo t\u00f4i, ng\u01b0\u1eddi m\u1edbi n\u00ean chia nh\u1ecf m\u1ee5c ti\u00eau v\u00e0 xem vi\u1ec7c mua b\u1ea1c \u0111\u1ecbnh k\u1ef3 nh\u01b0 m\u1ed9t kho\u1ea3n ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef7 lu\u1eadt. Y\u1ebfu t\u1ed1 quan tr\u1ecdng kh\u00f4ng n\u1eb1m \u1edf s\u1ed1 v\u1ed1n ban \u0111\u1ea7u m\u00e0 \u1edf kh\u1ea3 n\u0103ng duy tr\u00ec th\u00f3i quen qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n trong th\u1eddi gian d\u00e0i.<\/p>\n

– Tr\u00ean th\u1ecb tr\u01b0\u1eddng hi\u1ec7n c\u00f3 nhi\u1ec1u lo\u1ea1i b\u1ea1c, kh\u00e1ch h\u00e0ng c\u1ea7n l\u01b0u \u00fd g\u00ec \u0111\u1ec3 l\u1ef1a ch\u1ecdn s\u1ea3n ph\u1ea9m ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c ti\u00eau t\u00edch l\u0169y?<\/em><\/p>\n

– \u0110\u1ea7u ti\u00ean kh\u00e1ch h\u00e0ng c\u1ea7n ph\u00e2n bi\u1ec7t r\u00f5 b\u1ea1c t\u00edch tr\u1eef v\u00e0 b\u1ea1c trang s\u1ee9c. \u0110\u01a1n c\u1eed s\u1ea3n ph\u1ea9m c\u1ee7a Sacombank-SBJ, trong \u0111\u00f3 B\u1ea1c \u00e9p v\u1ec9, l\u00e0 lo\u1ea1i \u0111\u1ea1t chu\u1ea9n \u0111\u1ec3 t\u00edch tr\u1eef, \u0111\u1ea1t \u0111\u1ed9 tinh khi\u1ebft 99,9%. S\u1ea3n ph\u1ea9m \u0111\u01b0\u1ee3c \u00e9p v\u1ec9 v\u00e0 h\u00fat ch\u00e2n kh\u00f4ng v\u1edbi \u1ed1p b\u1ea3o v\u1ec7 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o ch\u1ea5t l\u01b0\u1ee3ng. \u0110\u1eb7c bi\u1ec7t, b\u1ea1c l\u01b0\u1ee3ng v\u00e0 b\u1ea1c th\u1ecfi t\u1ea1i SBJ c\u00f3 gi\u00e1 ni\u00eam y\u1ebft tr\u00ean website, kh\u00f4ng t\u1ed1n th\u00eam c\u00f4ng hay ph\u00ed gia c\u00f4ng.<\/p>\n

C\u00f2n \u0111\u1ed1i v\u1edbi b\u1ea1c trang s\u1ee9c, h\u00e0m l\u01b0\u1ee3ng b\u1ea1c h\u1ea7u nh\u01b0 \u0111\u00e3 b\u1ecb pha, d\u1ec5 b\u1ecb oxy h\u00f3a, gi\u00e1 tr\u1ecb hao h\u1ee5t cao. Khi mua hay b\u00e1n \u0111\u1ec1u t\u1ed1n ti\u1ec1n c\u00f4ng, khi b\u00e1n l\u1ea1i th\u01b0\u1eddng ch\u1ec9 \u0111\u01b0\u1ee3c t\u00ednh theo gi\u00e1 b\u1ea1c nguy\u00ean li\u1ec7u. T\u1ea1i SBJ, ch\u00fang t\u00f4i kh\u00f4ng kinh doanh m\u1eb7t h\u00e0ng b\u1ea1c trang s\u1ee9c.<\/p>\n

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Ng\u01b0\u1eddi tr\u1ebb tham kh\u1ea3o c\u00e1c s\u1ea3n ph\u1ea9m c\u1ee7a \u0111\u01a1n v\u1ecb. \u1ea2nh: SBJ<\/em><\/p>\n<\/figcaption><\/figure>\n

– T\u00ednh thanh kho\u1ea3n l\u00e0 v\u1ea5n \u0111\u1ec1 \u0111\u01b0\u1ee3c nhi\u1ec1u ng\u01b0\u1eddi quan t\u00e2m, SBJ th\u1ef1c hi\u1ec7n vi\u1ec7c mua l\u1ea1i s\u1ea3n ph\u1ea9m nh\u01b0 th\u1ebf n\u00e0o?<\/em><\/p>\n

– SBJ ni\u00eam y\u1ebft c\u00f4ng khai gi\u00e1 mua v\u00e0 b\u00e1n, v\u1edbi m\u1ee9c ch\u00eanh l\u1ec7ch kho\u1ea3ng 70.000-80.000 \u0111\u1ed3ng m\u1ed7i l\u01b0\u1ee3ng. C\u00f4ng ty thu mua l\u1ea1i b\u1ea1c \u00e9p v\u1ec9 theo gi\u00e1 ni\u00eam y\u1ebft tr\u00ean website v\u00e0 kh\u00f4ng thu th\u00eam ti\u1ec1n c\u00f4ng hay ph\u00ed d\u1ecbch v\u1ee5.<\/p>\n

H\u00f3a \u0111\u01a1n \u0111\u01b0\u1ee3c g\u1eedi tr\u1ef1c ti\u1ebfp \u0111\u1ebfn email c\u1ee7a kh\u00e1ch h\u00e0ng. Ng\u01b0\u1eddi s\u1edf h\u1eefu s\u1ea3n ph\u1ea9m c\u0169ng c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n giao d\u1ecbch b\u00e1n l\u1ea1i t\u1ea1i c\u00e1c chi nh\u00e1nh Sacombank c\u00f3 c\u1ed9ng t\u00e1c vi\u00ean c\u1ee7a SBJ.<\/p>\n

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S\u1ea3n ph\u1ea9m b\u1ea1c \u00e9p v\u1ec9 Kim – Ph\u00fac – L\u1ed9c. \u1ea2nh: SBJ<\/em><\/p>\n<\/figcaption><\/figure>\n

– Khi \u0111\u01b0a b\u1ea1c v\u00e0o k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh t\u1ed5ng th\u1ec3, theo \u00f4ng ng\u01b0\u1eddi mua n\u00ean tu\u00e2n theo nh\u1eefng nguy\u00ean t\u1eafc n\u00e0o?<\/em><\/p>\n

– V\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 kinh nghi\u1ec7m, t\u1ef7 tr\u1ecdng ph\u00e2n b\u1ed5 t\u00e0i s\u1ea3n c\u00f3 th\u1ec3 \u1edf m\u1ee9c 30-70 ho\u1eb7c 40-60, t\u00f9y m\u1ee5c ti\u00eau v\u00e0 m\u1ee9c \u0111\u1ed9 ch\u1ea5p nh\u1eadn r\u1ee7i ro. Tuy nhi\u00ean, v\u1edbi ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp h\u1ea1n ch\u1ebf ho\u1eb7c sinh vi\u00ean, qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n v\u1eabn l\u00e0 y\u1ebfu t\u1ed1 c\u1ea7n \u0111\u01b0\u1ee3c \u01b0u ti\u00ean.<\/p>\n

Tr\u01b0\u1edbc h\u1ebft, ng\u01b0\u1eddi mua kh\u00f4ng n\u00ean s\u1eed d\u1ee5ng \u0111\u00f2n b\u1ea9y ho\u1eb7c vay m\u01b0\u1ee3n \u0111\u1ec3 \u0111\u1ea7u t\u01b0 b\u1ea1c, m\u00e0 ch\u1ec9 n\u00ean d\u00f9ng ngu\u1ed3n ti\u1ec1n nh\u00e0n r\u1ed7i. B\u00ean c\u1ea1nh \u0111\u00f3, vi\u1ec7c t\u00edch l\u0169y c\u1ea7n \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh trong kho\u1ea3ng th\u1eddi gian t\u1eeb ba \u0111\u1ebfn n\u0103m n\u0103m, thay v\u00ec ch\u1ea1y theo bi\u1ebfn \u0111\u1ed9ng gi\u00e1 ng\u1eafn h\u1ea1n.<\/p>\n

Ng\u01b0\u1eddi tham gia c\u0169ng c\u00f3 th\u1ec3 d\u00e0nh kho\u1ea3ng 5-10% thu nh\u1eadp h\u00e0ng th\u00e1ng \u0111\u1ec3 chuy\u1ec3n m\u1ed9t ph\u1ea7n ti\u1ec1n m\u1eb7t th\u00e0nh t\u00e0i s\u1ea3n. Khi \u0111\u01b0\u1ee3c duy tr\u00ec \u0111\u1ec1u \u0111\u1eb7n, kho\u1ea3n t\u00edch l\u0169y nh\u1ecf c\u00f3 th\u1ec3 t\u0103ng d\u1ea7n theo th\u1eddi gian.<\/p>\n

Theo t\u00f4i, b\u00ean c\u1ea1nh vai tr\u00f2 l\u00e0 m\u1ed9t lo\u1ea1i kim lo\u1ea1i qu\u00fd, b\u1ea1c c\u00f2n c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh c\u00f4ng c\u1ee5 gi\u00fap ng\u01b0\u1eddi tr\u1ebb h\u00ecnh th\u00e0nh th\u00f3i quen qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n theo h\u01b0\u1edbng k\u1ef7 lu\u1eadt v\u00e0 d\u00e0i h\u1ea1n.<\/p>\n

Ho\u00e0ng \u0110an<\/strong><\/p>\n<\/article>\n

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https:\/\/vnexpress.net\/sbj-bac-mo-them-lua-chon-dau-tu-cho-nguoi-co-von-nho-5100396.html<\/p>\n","protected":false},"excerpt":{"rendered":"

SBJ: B\u1ea1c m\u1edf th\u00eam l\u1ef1a ch\u1ecdn \u0111\u1ea7u t\u01b0 cho ng\u01b0\u1eddi c\u00f3 v\u1ed1n nh\u1ecf B\u1ea1c \u0111\u01b0\u1ee3c nhi\u1ec1u ng\u01b0\u1eddi ch\u1ecdn l\u00e0m k\u00eanh b\u1ed5 sung trong k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n nh\u1edd v\u1ed1n ti\u1ebfp c\u1eadn th\u1ea5p v\u00e0 kh\u1ea3 n\u0103ng chia nh\u1ecf kho\u1ea3n t\u00edch l\u0169y, theo Gi\u00e1m \u0111\u1ed1c trung t\u00e2m kinh doanh Sacombank-SBJ. \u00d4ng V\u0169 Nh\u1eadt H\u1ea3i, Gi\u00e1m<\/p>\n","protected":false},"author":1,"featured_media":10599,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-10598","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-thi-truong"],"_links":{"self":[{"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/10598","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=10598"}],"version-history":[{"count":0,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/10598\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/media\/10599"}],"wp:attachment":[{"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=10598"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=10598"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=10598"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}