GLTT San tien trong tui dau tu vao dau

Thứ sáu, 16 Tháng mười hai 2011, 14:00 GMT+7

Co tien nhan roi, nen dau tu gi vao luc nay la toi uu nhat? Chung khoan, bat dong san, vang, ngoai te hay gui tiet kiem tien dong? Hinh thuc dau tu nao sinh loi nhieu lai an toan?

"San tien trong tui, dau tu vao dau?". Chua bao gio cau hoi tren lai xuat hien nhieu lan tren nhieu dien dan, trong moi cau chuyen va tro thanh noi ban khoan cua nhieu nguoi den the.

Dau tu chung khoan? Nhung thong tin giao dich chung khoan dang tuot doc; nhieu cong ty chung khoan thua lo nang ne va dung truoc nguy co pha san.. Ngay cac nha dau tu lon cung dang thap thom, tham chi ban thao co phieu. Thi truong chua thay tin hieu hoi phuc.

Dau tu bat dong san thi sao? Thi truong BDS dong bang tu cuoi nam 2010 den nay. Mot so san giao dich BDS tham chi dung truoc nguy co dong cua do khong con ganh duoc chi phi hoat dong. Co quan chuc nang tang cuong "giai cuu"; cac chu dau tu lien tuc tung khuyen mai khung, giam gia can ho de kich cau nhung nguoi mua van "vang nhu chua ba danh". Dau tu BDS la mot lua chon mao hiem khi chi thay giam gia ma chua thay hy vong tang.

Ve ky vong sinh loi tu vang va ngoai te, nhieu khuyen cao can nhac cung duoc dua ra. Ly do la gia vang len xuong that thuong; lai suat huy dong lai thap. Dac biet Nha nuoc that chat quan ly ngoai te, cam giao dich vang mieng va dong cua cac san vang tu do nay mai.

Gui tiet kiem tien dong duoc cho la loai hinh dau tu tai chinh an toanvoi muc lai suat tien gui VND dao dong trong khoang ~14% . Tuy nhien, sau khi Chinh phu khang dinh chu truong ha lai suat, nhieu dien dan khuyen nen can trong neu dinh dau tu dai han khi lam phat chua chac da ha nhiet.

Vay, cho den bao gio cho co su on dinh, bao toan trong tam nhin dai han? Chuyen gia kinh te doc lap va dai dien doanh nghiep tai chinh nhan dinh: Da het thoi de dang kiem bon tien tu viec "luot song" nhu cac nam ve truoc. Nhung chua het co hoi sinh loi an toan, hieu qua cho dong tien nhan roi trong tui ban.

De tien nhan roi cua ban khong “ngu yen” va duoc dau tu dung noi an toan, dung cach hieu qua nhat, baoTS to chuc Giao luu truc tuyen Dau tu sinh loi tu tien nhan roi.

Thoi gian: 14h, ngay 16/12/2011
Dia diem: VP Bao TS tai Tp.HCM, 51 Truong Dinh
Khach moi:
TS. Dinh The Hien - GD Vien nghien cuu va kinh te Ung dung
Ong Phan Ngoc Hoa - Pho TGD VPBank

NOI DUNG BUOI GIAO LUU
TS Dinh The Hien va ong Phan Ngoc Hoa den tham gia buoi giao luu voi ban doc TS. Anh: Duy Linh

GLTT: San tien trong tui, dau tu vao dau?

Tien gui tiet kiem - Kenh dau tu it rui ro nhat?

Tranhuuba , Nam - 25 Tuoi
Toi la nguoi lao dong, tien tiet kiem khong co nhieu, khoang may chuc trieu den hon 100 trieu. Toi muon hoi cach nao de so tien nhan roi cua toi sinh loi mot cach hieu qua va an toan. Toi nghi rat nhieu nguoi co hoan canh nhu toi va toan xa hoi thi so tien do rat lon.

TS. Dinh The Hien: Trong hon mot thap nien qua, VN co mot vai giai doan da dem lai co hoi rat lon cho nguoi dau tu BDS va CK, Do vay, "viec dau tu nhanh - sinh loi cao" da tham sau vao cam nhan cua nhiieu nguoi, khien cho cac phuong tuuc dau tu ben vung khong duoc ua chuong.

Tuy nhien hien nay voi su suy giam rat manh ca 2 kenh BDS va CK thi nhieu nguoi giau nhanh da tra lai gan het; va voi chien luoc phat trien kinh te ben vung cua Chinh Phu trong giai doan toi, hau nhu se khong con co hoi luot song sieu loi nhuan doi voi so dong. Do vay, de tich luy tai san tot, dem lai cuoc song sung tuc cho nha dau tu co so tien vai tram trieu tro xuong thi can co mot chien luoc dau tu lau dai, ben bi trong vong tu 5 - 10 nam.


GLTT: San tien trong tui, dau tu vao dau?
TS Dinh The Hien dang giao luu voi ban doc TS. Anh: Duy Linh

Truoc het, nguoi co tien can chuyen so tien minh co vao tien gui ngan hang ky han 3 - 6 thang voi lai suat 14% hien nay la kha tot. Sau do, viec quan trong la ban phai tru lieu duoc ke hoach thu - chi hang thang cua minh, va chap nhan giam cac khoan tieu dung ca nhan de sao cho so tien du ra hang thang duoc vai tram ngan tro len, so tien nay ban chuyen vao tai khoan khong ky han hoac loai tai khoan tiet kiem bat thang de co lai suat tot hon; sau mot thoi gian so tien nay da len vai trieu den vai chuc trieu thi se chuyen qua tai khoan ky han co ky han 3 - 6 thang de co LS tot hon.

Voi ky luat nay tai san ban tu tu tang len va duoc huong them lai kep tu tien lai nhan von, ban cung co cac khoan tien co ky dan han khac nhau de luc nao can tien dau tu va kenh khach thi minh cung co kha nang rut ra trong thoi gian ngan. Song song voi thoi gian nay, ban co the tim hieu them 2 kenh BDS va CK de con mot kenh ma minh uu thich nhat, cung nhu minh co thong tin tot nhat.

Mot diem can nho la du co nhung giai doan chuyen tu tien tiet kiem vao BDS va CK thi cung khong nen chuyen qua 70% so tien cua minh, va trong thoi gian do, minh van tiep tuc gui so tien tiet kiem hang thang vao tai khoan NH. Neu kien tri thuc hien theo chien luoc nay, khong non nong tim kiem loi nhuan cao qua nhung phi vu dau tu khong tim hieu ky, thi sau 5 - 10 nam ban se tro thanh mot nguoi trung luu voi mot suc khoa tai chinh vung vang.

Nguyen Duong , Nu - 28 Tuoi
Toi co gia dinh duoc 2 nam, luong toi va ong xa moi thang duoc hon 15 trieu, toi co 1 be trai duoc 20 thang tuoi, toi co y dinh tich luy cho con de sau nay toi khi be di hoc thi co tien lai lo cho viec hoc cua con, vay nho chuyen gia tu van giup toi phai lam sao de chi tieu cho hop ly: vua co tien tiet kiem cho con, vua trang trai sinh hoat gia dinh? Toi nen tham gia loai hinh tiet kiem nao la phu hop nhat?


GLTT: San tien trong tui, dau tu vao dau?
Ong Phan Ngoc Hoa dang tra loi ban doc. Anh: Duy Linh
Ong Phan Ngoc Hoa, Pho TGD VPBank: truoc het ban phai len ke hoach chi tieu cho gia dinh, sau khi tru di cac khoan chi tieu thiet yeu (cho bua, tien hoc cho con, tien lai vay ngan hang neu co...), phan con lai se gui tiet kiem. Theo toi, thi nen de khoang 15% -20% tong thu nhap vao tiet kiem. Voi muc thu nhap cua ban thi nen chon hinh thuc tiet kiem gui gop nhu san pham Tiet Kiem Tich Loc cua VPBank. Moi thang ban gui 1 khoan nho de sau 1 thoi gian, ban se co 1 khoan lon hon ma van duoc huong lai suat cao.Kieu My , Nu - 26 Tuoi
Toi mua ban tu do, tien loi hang ngay khong co dinh, va toi muon tiet kiem khoan tien nay cho tuoi ve gia, vay toi nen tham gia hinh thuc nao la phu hop nhat? Gia su trong khi buon ban can von, toi co the rut ra 1 it khong? Co bi anh huong gi den dong lai khong?

Ong Phan Ngoc Hoa: Theo toi, tinh ve lau ve dai, ban se chia thanh nhieu giai doan nhu sau:
Giai doan 1: Ban nen mo tai khoan thanh toan tai ngan hang de quan ly chi tieu.
Giai doan 2: Vi tien lai cua ban la nhung khoan nho khong co dinh theo ngay , ban nen den VPBank mo them mot Tai khoan Thong Minh (mien phi hoan toan) lien ket voi tai khoan thanh toan, tien cua ban trong tai khoan thanh toan den mot han muc nao do, phan du ra se tu dong chuyen vao Tai khoan Thong Minh nay de huong lai suat khong ky han cao hon.
Giai doan 3: Sau khi so tien tren Tai Khoan Thong Minh du lon, ban se rut so tien nay ra va gui tiet kiem co ky han de huong lai suat cao hon nua.

Nguyen Thi Thuy Lam , Nu - 23 Tuoi
Chao Quy Ngan hang, Hien tai toi dang cong tac tai Cong ty A voi muc luong 5.000.000d/thang, voi tinh hinh kinh te hien nay khong la nhieu nhung hang thang toi muon danh 1 khoan tiet kiem chuyen gia co the tu van giup voi muc luong nhu vay thi gui tiet kiem bao nhieu la duoc? co chuong trinh nao tiet kiem uu dai lai suat cao?. con van de thu tuc gui cu hang thang em lai gui mot it co rac roi lam khong a?


GLTT: San tien trong tui, dau tu vao dau?
Giao luu truc tuyen Dau tu sinh loi tu tien nhan roi. Anh: Duy Linh
Ong Phan Ngoc Hoa: Voi muc luong hien nay, tot nhat ban nen dat ra ky luat trong chi tieu de co dinh mot khoan tiet kiem hang thang. Dau tien, ban mo tai khoan tai ngan hang de chuyen tien luong vao do. Sau do, ban su dung them san pham Tiet Kiem Tich Loc cua VPBank. Hang thang ngan hang se tu trich khoan tien tiet kiem co dinh noi tren tu tai khoan thanh toan de chuyen vao Tiet Kiem Tich Loc de huong lai suat co ki han cao.

Tran Anh Loc , Nam - 23 Tuoi
Toi la ke toan, cong ty toi thuong co nhung khoan tien nhan roi it su dung trong thoi gian ngan, toi muon tham muu cho sep tao dong lai tu tien nhan roi nay nhung khong biet nen chon loai hinh nao cho phu hop, vua giup sep tiet kiem thoi gian di lai ma vua co tien trong tai khoan nhung khi can mua hang thi co the dung duoc ngay.

Ong Phan Ngoc Hoa: ban nen tu van cho Ban Giam doc su dung san pham doanh nghiep tron goi cua ngan hang de dap ung duoc tinh linh hoat, mien phi giao dich va sinh loi cao hon. Vi du: o VPBank dang co goi san pham doanh nghiep cao cap la VP Business, day la mot bo san pham bao gom tai khoan thanh toan duoc huong lai suat cao tren thi truong, mien phi tra luong qua tai khoan va nhieu uu dai phi giao dich nhu: phi chuyen tien qua Internet Banking, SMS Banking.

Le Nho , Nam - 0 Tuoi
Hien toi dang co 1 khoan tien, du dinh se mua dat, nhung ho so dat chua hoan thanh nen toi muon gui tiet kiem khoan tien tren. Do khong biet thoi gian chinh xac de rut so tien do ra nen toi muon nho tu van la minh nen goi tiet kiem voi hinh thuc nao va cua ngan hang nao de dat duoc loi nhuan toi da. T

Ong Phan Ngoc Hoa:Truong hop ban du doan thoi gian cho tren 1 thang thi nen goi tiet kiem co ki han de huong lai suat co ki han cao nhat , hien tai lai 14%/ nam. - Neu thoi gian cho duoi 1 thang, ban co the mo tai khoan VP Super cua ngan hang chung toi, tien tren tai khoan se duoc huong lai suat khong ki han cao tren thi truong va huong nhieu tien ich khac nhu mien phi giao dich, chuyen khoan khong gioi han qua ATM. Ngoai ra, ban con duoc tham gia nhung chuong trinh cham soc khach hang hap dan danh rieng cho san pham nay.

tangthu , Nu - 0 Tuoi
Xin hoi chuyen gia, toi dang co 800 trieu dong, toi muon gui tiet kiem khong ky han thi nen gui tai ngan hang nao tai TPHCM de duoc muc lai suat hap dan nhat va co the an tam nhat. Va hien nay co chuong trinh khuyen mai gi khong?

Ong Phan Ngoc Hoa: Voi 800 trieu dong tien nhan roi, ban nen gui tiet kiem co ky han de duoc huong lai suat cao va tham gia chuong trinh khuyen mai Loc Vang Don Xuan cua VPBank.
anh binh , Nam - 28 Tuoi
Toi nam nay 28 tuoi, hien toi dang la giao vien. Toi co khoang 2 tram trieu dong.Toi nen dau tu gi nam 2012. Toi muon nghi day de lam an, xin gop y?

Ong Phan Ngoc Hoa: Trong thoi gian ban dang suy nghi de tim huong dau tu cho nam 2012, toi nghi cach an toan nhat la ban nen gui so tien nay vao VPBank de huong lai suat cao, tham gia chuong trinh khuyen mai Loc Vang Don Xuan va duoc tich diem trong chuong trinh Cham soc khach hang than thiet Tich Diem Thinh Vuong.

Nguyen thanh Trung , Nam - 42 Tuoi
Toi co khoang 6 ty VND. Muon dau tu ma van dang phan van khong biet nen dau tu vao dau cho an toan ma hieu qua vi voi tinh hinh kinh te vi mo hien nay cua Viet Nam va The gioi thi co the noi trong nam toi se khong may sang sua . Xin tu van giup!

Ong Phan Ngoc Hoa: Ngan hang Nha nuoc dang co chu truong giam lai suat tran huy dong trong thoi gian toi. Do do, theo toi voi so tien tuong doi lon nay, cach dau tu an toan, sinh loi cao nhat hien nay la ban nen gui tiet kiem ky han dai tai VPBank de huong lai suat cao va co co hoi trung thuong 20 luong vang SJC cua chuong trinh khuyen mai Loc Vang Don Xuan. Chuc ban co quyet dinh dau tu dung dan va thanh cong.

1001 thac mac va lua chon gui tien ngan hang
Le Hong Quyen , Nu - 30 Tuoi
Cho toi hoi khoang bao nhieu tien thi moi mo duoc tai khoan trong ngan hang va lai suat tinh nhu the nao? Hang thang toi co the bo them vao tai khoan cua minh duoc khong? Neu them vao tai khoan thi tien lai suat cung tinh tang len?

Ong Phan Ngoc Hoa: Ban chi can ky quy 100.000 VND khi mo tai khoan tai VPBank. Neu ban muon huong lai suat cao theo so du tien gui cuoi ngay thi ban nen mo tai khoan VPSuper cua chung toi, neu so du tu 30 trieu dong tro len ban duoc huong lai suat khong ky han cao nhat thi truong (6%/nam).

thai , Nam - 30 Tuoi
Toi gui tiet kiem den ngay dao han roi vao ngay chu nhat thi ngay thu hai toi den ngan hang rut tien nhung ngan hang VPBank chi tinh den ngay thu 7, tinh ngay chu nhat la khong ki han, vay cach tinh nhu vay co dung khong? Lam sao de tu tinh toan duoc dong tien minh roi vao dung quy dao tron thang?

Ong Phan Ngoc Hoa: Neu khoan tiet kiem cua ban dao han vao ngay Chu Nhat, ngay thu hai ban moi den ngan hang rut ca goc va lai thi ngan hang se tinh lai suat tron 1 ky gui tinh den het ngay Chu Nhat cong them 1 ngay lai khong ky han cua ngay thu hai.


GLTT: San tien trong tui, dau tu vao dau?
Ong Phan Ngoc Hoa, Pho TGD VPBank. Anh: Duy Linh

Phan Trung Son , Nam - 29 Tuoi
Nho Chuyen gia tu van giup: Hien em co 5000 USD tien nhan roi, em gui ky han 3 thang. vay em nen gui o ngan hang nao de vua an toan vua co khuyen mai tot va nho tinh ho ca goc va lai cho em voi.

Ong Phan Ngoc Hoa: ban nen chon mot trong 12 ngan hang hang dau Viet Nam (G12). Neu ban gui 5000USD vao VPBank tai thoi diem nay, ban se duoc huong lai suat cao va duoc tham gia chuong trinh khuyen mai "Loc Vang Don Xuan", tong gia tri giai thuong tren 9 ty dong, trong do Giai dac biet len den 20 luong vang SJC. So tien lai ban se nhan duoc sau 3 thang gui = 5000 USD x 1.99% x 3 thang / 12 thang.lai thi thanh tan , Nam - 33 Tuoi
Toi co gui ngan hang 25 trieu dong tien viet toi gui ky han la 3 thang nay toi da de qua han thanh 9 thang vay toi duoc huong lai suat nhu the nao?

Ong Phan Ngoc Hoa: Ban gui tiet kiem ky han 3 thang thi se huong lai suat ky han 3 thang. Neu den han, ban khong den ngan hang thi he thong se tu dong lai nhap goc va tai tuc 1 ky han 3 thang tiep theo. Lai suat se duoc tinh cho ky han 3 thang. Nhu vay neu sau 9 thang qua han, VPBank da 2 lan tu dong tai tuc khoan tiet kiem cua ban. nguyen thi phuong thuy , Nu - 29 Tuoi
Toi dang gui tiet kiem nhung dao nay cac ngan hang sap nhap. Toi so ngan hang se giai the nen khong biet dau tu vao dau? Xin tu van giup!

Ong Phan Ngoc Hoa: Theo toi, ban nen chon nhung ngan hang lau nam, co uy tin, nang luc tai chinh lanh manh va co trach nhiem cong dong cao. Thang 8 vua qua, Ngan hang Nha Nuoc da chon 12 ngan hang hang dau Viet Nam - chiem 85% thi phan, goi tat la G12. Nhu vay, cac ban co the can cu vao day de chon ngan hang gui tien. Toi tu hao VPBank chung toi thuoc G12.
pham thi thai , Nam - 0 Tuoi
Toi dang song va lam viec tai Han Quoc. Toi muon lap tai khoan rieng cua toi o Viet Nam hang thang gui tien vao do, thi phai lam the nao? Xin quy vi cho toi biet neu gui thi gui o ngan hang nao?

Ong Phan Ngoc Hoa: Ban phai ve Viet Nam it nhat 1 lan de mo Tai khoan.

Nguyen Tien Dich , Nam - 43 Tuoi
Hien nay, voi tinh trang lam phat thi gui tiet kiem bang tien Viet loi hon hay gui tiet kiem bang tien do la My loi hon?

Ong Phan Ngoc Hoa: Voi tinh hinh lam phat nhu hien nay, chinh sach lai suat tran cua Ngan hang Nha nuoc (VND:14%/nam, USD: 2%/nam), ti gia quy doi VND/USD. Theo toi, tai thoi diem nay ban nen gui Viet Nam dong thi co loi hon.

Tra My , Nu - 30 Tuoi
Chao Quy Ngan hang! Toi co tien nhan roi trong tai khoan, muon gui tiet kiem nhung khong co thoi gian den Ngan hang, Quy Ngan hang co san pham nao phu hop voi tinh hinh cua toi khong?

Ong Phan Ngoc Hoa: Neu ban qua ban ron nhung van muon toi da hoa dong von nhan roi cua minh, ban co the su dung san pham Tiet Kiem Truc Tuyen cua VPBank. Day la hinh thuc tien gui tiet kiem ma khach hang chi can thao tac qua Internet ma khong can truc tiep den cac diem giao dich. Mot diem manh nua cua san pham nay la ngoai gui VND, ban co the gui USD, EUR hay cac loai ngoai te khac voi nhieu ky han (tu 1 tuan den 36 thang).

Quang Minh , Nam - 27 Tuoi
Ngan hang phai huy dong von cao trong khi no xau, no qua han ngay cang nhieu; trong khi nha nuoc quy dinh lai tran khong duoc vuot khung; vay VPBank lam the nao de chung toi tin tuong rang tien nhan roi cua toi sinh loi nhieu.

Ong Phan Ngoc Hoa: VPBank luon chu trong vao viec kiem soat va quan tri rui ro tin dung nen chat luong no tot, ban hoan toan yen tam khi gui tien vao ngan hang chung toi vua an toan, lai suat hap dan va con duoc tham gia nhieu chuong trinh Cham soc khach hang.

Vang, chung khoan, bat dong san: kho mong "1 von, 4 loi"

Tran Thu Van , Nu - 34 Tuoi
Xin ong cho biet kenh dau tu vang trong giai doan hien nay lieu co phai la kenh dau tu an toan khong?

TS. Dinh The Hien: Trong nam 2011, gia vang the gioi tang rat manh dem loi nhuan rat cao so voi cac kenh dau tu khac. Mac khac theo doi tu nam 2006 den nay thi gia vang chi co di len, du co mot vai khoan ngan quay dau. Tu do tai VN, nhieu nguoi cho rang day la kenh dau tu vua an toan vua sinh loi cao. Tuy nhien neu quan sat tu nam 2006 den nay, thi nhung nguoi dau tu vang tai khoan thua nhieu hon thang, con nhung nguoi mua vang truc tiep thi phai can mot so von kha lon, nen xet theo ty suat sinh loi cua dong von khong phai la cao so voi cac kenh BDS, Chung khoan trong tung giai doan.

Tro lai voi kenh dau tu vang, qua phan tich cho thay gia vang da tang qua cao so voi binh quan cac hang hoa co ban khac (dau, ngu coc, thep,....) nhu vay kha nang phai giam ve muc hop ly la rat cao, nhat la khi kinh te the gioi thoat khoi giai doan kho khan hien nay. Tai cac nuoc phat trien, da so nguoi dan khong coi vang la kenh dau tu.

Tai VN, khi tinh hinh lam phat con cao lam nguoi dan e ngai ve gia tri dong noi te, con kenh BDS va CK khong quen thuoc, thi vang duoc xem la giai phap bao toan von thich hop ben canh viec gui tien ngan hang. Voi dien tien gia vang the gioi sap toi, kha nang vang xuong duoi muc 1500USD va kha nang tang qua 1700USD vao nam 2012 la nhu nhau. Do vay hien nay kenh nay se co bien dong cho nguoi dau tu, dat biet gia vang VN dang cao hon tu 50 - 150USD so voi gia vang the gioi cung la mot diem bat loi can tinh den.

Dinh Ba Dung , Nam - 50 Tuoi
Toi co mot it tien, xin hoi nen dau tu vao dau: 1/Chung khoan. 2/Bat dong san. 3/Vang. Xin cam on!


GLTT: San tien trong tui, dau tu vao dau?
TS. Dinh The Hien - GD Vien nghien cuu va kinh te Ung dung

TS. Dinh The Hien: Trong tinh hinh hien nay, BDS duoc nhieu chuyen gia cho rang se con kho khan den het nam 2012 va sau khi bat lai cung se kho tang manh nhu giai doan 2006 - 2007. Vang thi gia trong nuoc dang cao hon the gioi kha nhieu dem lai bat loi cho nguoi mua; kenh chung khoan thi dang di vao giai doan xau nhat nhu nam 2009, du kien chi so VN index co the tut xuong den 300 diem..

Tuy nhien giai doan xau nhat cua thi truong chinh la co hoi rat hiem cho nhung nguoi dam manh dang dau tu, va viec chon lua nhung cong ty SXKD co san pham dang duoc tin dung, doanh so van giu vung hoac tang va gia da xuong duoi 10.000VND se hua hen sinh loi den 50 - 100% sau khi kinh te da on dinh va tang truong (du kien tu 6 thang den 2 nam). Nhu vay kenh chung khoan co le la kenh thich hop nhat voi nguoi it tien va tim kiem loi nhuan cao. Thoi diem thich hop de mua la trong quy 1/2012.

Nguyen Cong Nam , Nam - 28 Tuoi
Gia vang trong nuoc va The gioi lien tuc giam trong nhung ngay vua qua! dau tu vao vang hien tai dang la phuong an ma nhieu nguoi nha dau tu quan tam, nhung nhu hien tai gia vang SJC trong nuoc va the gioi dang chenh nhau hon 2tr/luong. Cho du Ngan hang nha nuoc da cong bo tiep quan thuong hieu nay! Ong nghi nhu the nao ve van de nay va theo ong dau tu vao vang hien tai co phai la mot phuong an khon ngoan khong?

TS. Dinh The Hien: Xuat phat tu su ua chuong cua nguoi dan, thi phan nam cua SJC, cung nhu SJC la mot cong ty nha nuoc nen NHNN tiep quan thuong hieu nay thay vi lap ra mot thuong hieu moi se giup giam cac kha nang canh tranh, chi phi phat trien. Tuy nhien, neu nhin theo goc do thi truong thi hanh dong nay se lam nguoi dan e ngai viec dieu hanh se co xu huong quay lai kinh te ke hoach nhu truoc day.

Do viec nhap khau vang phai theo ke hoach, nen tinh tuong tac cua vang VN va TG co mot do tre nhat dinh da khien gia vang VN chenh lech den 2tr, tinh trang nay co the chap nhan trong ngan han, nhung neu keo dai se gay nhung he qua bat loi khac. Voi tinh hinh khong co loi cho nguoi mua do gia trong nuoc qua cao so voi gia the gioi (tu 50 - 150USD) thi viec dau tu la chua thich hop.

Dang Ngoc Huynh , Nam - 58 Tuoi
Hien toi co 1 khoan tien hon 1 ty VND, neu mua BDS thi khong du tien, mua vang thi thay phap phong, gui tiet kiem thi nghe noi sap toi NH se ha lai suat voi lai lam phat va dong tien mat gia nhu hien nay lieu co dam bao duoc tinh nguyen ven va gia tri thuc cua no khong...? Kinh nho cac chuyen gia kinh te tu van giup toi.

TS. Dinh The Hien: Gui tien hien nay van duoc 14%, neu gui 6 thang roi doi chieu voi cac tai san dau tu khac thi co kha nang se cao hon BDS, vang, con CK thi co the cao hoac thap hon tuy ma co phieu dau tu. Do vay, neu theo tieu chuan so sanh tai san dau tu thi viec gui NH voi LS 14% hien nay la giai phap chon lua an toan. Dat biet trong giai doan toi lai suat co the giam xuong den 12% cang cung co viec chon lua gui luc nay de huong lai suat cao hon.

Con neu so voi CPI, thi chi so sanh viec tieu dung, thi du ban muon mua 1 saloon, ban so khong mua ngay se tang gia ma lai suat khong bu lai duoc, nhung tieu dung la viec tai san cua ban se mat di. Tom lai, voi tieu chi an toan thi ban nen gui tien tiet kiem voi lai suat 14% trong vong 3 - 6 thang, truoc khi tham gia vao kenh dau tu khac de tim kiem loi nhuan cao hon.

Nguyen Quynh Nhu , Nu - 17 Tuoi
Truoc day Ba toi mua 6 cay vang SJC gia 47.5 trieu /cay,hien nay dang bi lo theo gia thi truong. Ba toi cung dang gui tiet kiem 440 trieu lai suat 14% sap dao han. Toi xin hoi theo cac ong ba toi nen su dung tien nhan roi nhu the nao de bu lai so lo da mua vang(thoi gian 3 thang).

TS. Dinh The Hien: Voi viec vua mua vang vua gui tien tiet kiem, thi ba cua ban da thuc hien dung phuong cham phan chia tai san dau tu de giam thieu rui ro. Nho vay voi so tien lai tu tien kiem da bu dap phan nao so tien lo cua vang. Neu xet rieng ve khoan lo cua vang, chung ta co the chon lua theo 3 phuong cach:


Cong thong tin ngan hang Laisuat.vn - chiec cau noi giua ngan hang va khach hang, noi khach hang co the tim thay cac thong tin moi nhat ve lai suat gui, vay, khuyen mai, so sanh tim lai suat cao cua 40 ngan hang. Nam 2011 Laisuat.vn to chuc 5 Hoi thao cho hon 1000 doanh nghiep va Ngan hang Viet Nam Thinh Vuong ( VPBank) luon la don vi dong hanh voi cac su kien nay.
1. Xem nhu tai san cua ba ban can co mot so vang nhat dinh, thi chung ta cu tiep tuc giu 6 cay vang nhu mot khoan dam bao an toan ma khong can xem xet gia vang len hay xuong, theo thoi gian thi gia tri 6 cay vang se duoc phuc hoi, nhung van de quan trong la minh luon luon co 6 cay vang trong nha.

2. Chap nhan dau tu luot song vang, voi gia vang VN dang chenh lech hon 2 trieu voi the gioi thi kha nang gia vang se giam nua, do vay manh dan ban het va cho vang xuong de mua lai 6 cay, so tien du ra chinh la so bu dap khoan lo truoc do.

3. Ban het vang gui vao NH voi lai suat 14%, theo thoi gian, khoan sinh loi se bu dap khoan lo ma khong quan tam den gia vang len hay xuong.

Trong 3 phuong thuc tren, thi toi thien ve chon phuong thuc 1 hoac 3, boi vi phuong thuc 2, thuc chat la ban luot song vang, va ban se luon cang thang vi gia vang len - xuong, khong biet len ban hay giu....

nguyen van tu , Nam - 27 Tuoi
Hien kenh dau tu nao co kha nang sinh loi nhuan lon nhat. Xu huong nam 2012 se nghieng ve kenh dau tu nao?

TS. Dinh The Hien: Nam 2012 duoc nhan dinh la nam kho khan cho dau tu tai chinh; mot su kho khan can thiet trong tien trinh tai cau truc nen kinh te cua Chinh phu.

Xet trong boi canh do thi nam 2012 la nam xem xet mua vao BDS (thoi diem thich hop tu quy 2/2012 tro di); mua vao CK (thoi diem thich hop tu cuoi quy 1/2012) de tim kiem loi nhuan sau mot thoi gian nam giu. Do vay voi nhieu nguoi, nam 2012 se la mot nam kho khan trong viec kiem loi; nhung voi mot so it nguoi khac, dat biet la nhung nguoi chuan bi duoc mot nguon tien, thi nam 2012 la nam day co hoi cho viec dau tu tai san gia re.

Kenh dau tu khac: Loi cang nhieu, rui ro cang lon

Bui Quoc Hoa , Nam - 32 Tuoi
Toi thay o Anh nguoi ta lam dich vu Cam do rat phat trien. Vay co nen dung tien nhan roi cua minh chuyen sang dau tu kinh doanh sang linh vuc nay o Viet Nam co tot khong?

TS. Dinh The Hien: Dich vu cam do thuoc loai dich vu tai chinh vi mo, phuc vu cho cac doi tuong co nhu cau can tien gap, so luong khong lon va chap nhan lai suat cao hon lai suat ngan hang. Do vay kha thich hop voi nguoi co so von vai ty dong tro lai kinh doanh. Tuy nhien, dac thu linh vuc nay can co kien thuc ve cac tai san ca nhan cua nguoi di cam nhu dien thoai, xe gan may, nu trang.... neu khong co chuyen mon thi nguoi kinh doanh se bi mat tien khi nhan phai do gia. Hien nay, khi dich vu ngan hang con han che trong viec tiep can nhung khoan vay nho, thi dich vu nay van rat can thiet cho nhung nhu cau can tien dot xuat. Chuc ban thanh cong.

Tran thi Anh Huong , Nu - 25 Tuoi

Bay gio toi co mot so von khoang tu 50 trieu, toi ko muon de dong tien cua minh mat gia. Toi muon kinh doanh mot cai gi do. Xin tu van cho toi voi khoan tien do toi nen dau tu vao gi hay la kinh doanh gi trong thoi diem hien nay.

TS. Dinh The Hien: voi so tien 50 trieu de bao toan von, ban chi co the chon gui tiet kiem ky han 1 nam hoac mua vang, boi vi de dau tu thi ngoai so tien ban dau, ban can bo sung so tien hang thang. Con neu kinh doanh, ban co the khoi dau bang viec chon 1 loai hang hoa minh hieu va mua ban hang hoa nay, voi viec xoay vong mua - ban, khoan tien cua ban se gia tang, nhung viec mua - ban doi hoi su kien tri va quyet tam.

Nguyen Huu Tho , Nam - 31 Tuoi
Tai sao cu phai la chung khoan, BDS, vang, ngoai te. Tai sao khong phai la tim mot huong de co the mo ra mot nganh nghe moi tao ra cong viec cho nhung nguoi khac?

TS. Dinh The Hien: Dau tu co 2 dang, dau tu gian tiep va dau tu truc tiep. Nen kinh te rat can va hoang nghenh nhung nguoi dau tu truc tiep, lap cong ty, mo cua hang, lap trang trai chan nuoi.... xet theo binh quan thi phan thuong se cao hon dau tu gian tiep va con tao ra nhieu viec lam cho xa hoi. O ben My, mot nguoi dau tu khoan 500 ngan USD va tao ra 10 viec lam cho nguoi ban xu se duoc xet nhap cu.

Tuy nhien khong phai ai cung co dieu kien va kha nang tu kinh doanh, ngoai ra co nhung nguoi dang truc tiep dieu hanh doanh nghiep khong the lap them doanh nghiep de kinh doanh, thi cac khoan von tich luy cua ho se chon vao cac kenh dau tu nhu CK, BDS hoac gui ngan hang tuy theo ke hoach giu gin va ky vong gia tang tai san cua moi nguoi.

Duong Minh Khoi , Nam - 32 Tuoi
Toi muon hoi, ngoai Viet Nam thi cac nuoc khac nguoi dan co nhieu tien nhu the khong? Toi thay nuoc minh thi ngheo sao dan minh nhieu tien the nhi. Ho con khong biet dau tu vao dau. Toi co nguoi ban o Thai Lan, ho noi lai suat ngan hang o day rat thap va chi nhan tien Thai Bath khong nhan ngoai te, vang. Ho ngac nhien o Viet Nam sao co lai suat ngan hang cao the va dan co nhieu tien the. Tien cua ho o dau ra? Co phai do Nha nuoc quan ly tai chinh khong chat che de tien cua nha nuoc bi that thoat khong. Toi rat mong nhan duoc cau tra loi co y nghia?

TS. Dinh The Hien: Tai VN, cac dich vu tai chinh an sinh chua phat trien, do vay nguoi dan tich luy tien hoac vang de su dung trong viec co nho. Thi du mot nguoi dan My, sau khi linh luong ho se tru cac khoan thue nha, bao hiem (y te, huu tri, tai nan,....) mua tra gop xe, do gia dung (hinh thuc tieu dung tra truoc).... do vay so tien con lai rat it, chi du mua sam lat vat va giai tri cuoi tuan. Neu xet ve tien thi co the dan lao dong My se khong co tien nhieu nhu VN, nhung bat cu bat trac nao nhu tai nan, benh hoan hoac ve gia, tham chi that nghiep thi ho van co khoan tai chinh tu cong ty bao hiem hoac chinh phu giai quyet; trong khi tai VN thi nhieu nguoi phai ban tai san de co tien chi dung.

Nhu vay, xet ve tong the, dong von cua kinh te My duoc su dung tot hon VN, trong khi tai VN nen kinh te rat can von, nhung mot luong von rat lon, uoc luong co the len den vai chuc ty USD dang nam chon duoi dang vang cat giu cua nguoi dan. Viec tim cach thu hut luong vang nay de tao von cho nen kinh te dang la bai toan kho doi voi cac nha lam chinh sach kinh te vi mo tai VN.

Tran Thanh hieu , Nam - 35 Tuoi
Toi trong tay co nguon von nhung muon dau tu vao kinh doanh, Toi rat mong cac giao su tien sy Xin cho chung toi biet trong thoi diem nay, thi ta nen chon giai phap nao de dau tu vao kinh doanh co hieu qua cao nhat, ma khong bi gap rui ro.

TS. Dinh The Hien: Dau tu duoc hieu la chon phuong phap giup gia tang loi nhuan cao hon muc binh thuong, va nhu vay phai chap nhan mot xac suat rui ro nhat dinh. Trong kinh te thi truong, khong mot kenh dau tu nao, mot phuong phap dau tu nao ma khong co rui ro. Va ve nguyen ly, neu tim cach sinh loi cao thi phai chat nhan rui ro cao.

Chung ta can phan biet giua phuong phap dau tu va mot nguoi dau tu gioi, hai dieu nay khac biet nhau. Nhung nha nghien cuu kinh te vi mo chi co the chi ra cac nhan dinh ve nhung kha nang sinh loi va cac diem bat loi doi voi tung kenh dau tu, cung nhu du bao muc do trien vong cua nhung kenh dau tu tot. Tuy nhien, viec chon dau tu cu the de sinh loi tot nhat la khong the chinh xac ma chi mang tinh tuong doi.

Thi du nam 2012 duoc nhan dinh chung la tinh hinh dau tu BDS se rat xau, nhung dieu do khong co nghia la moi hoat dong dau tu vao kenh nay deu that bai. Noi chung, khi phan tich dau tu cu the phai tap hop duoc nhieu yeu to thong tin moi co the dua ra duoc mot huong dau tu thich hop bao gom: so tien dau tu, kha nang huy dong them von, muc do chap nhan rui ro, thoi gian chap nhan dau tu... Xet trong giai doan 2012 voi thoi gian dau tu khong qua 1 nam, thi viec dau tu vao 1 - 2 co phieu cong ty SXKD da co be day hoat dong, doanh thu van tang truong, gia duoi 10.000VND co the thoa man 2 tieu chi an toan va sinh loi tot.

Do thoi gian giao luu co han, luong cau hoi cua ban doc gui den qua lon, nen nhieu cau hoi chua duoc cac khach moi giai dap. TS da chuyen cac cau hoi con lai cua quy vi ban doc den cac chuyen gia. Xin tran trong cam on su quan tam theo doi cua quy vi va cac ban!

• TS

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