{"id":119,"date":"2021-07-21T03:47:56","date_gmt":"2021-07-21T03:47:56","guid":{"rendered":"https:\/\/tintucusa.com\/?p=119"},"modified":"2021-07-21T03:47:58","modified_gmt":"2021-07-21T03:47:58","slug":"gui-tien-o-my-an-toan-va-co-lai","status":"publish","type":"post","link":"https:\/\/tintucusa.com\/index.php\/2021\/07\/21\/gui-tien-o-my-an-toan-va-co-lai\/","title":{"rendered":"G\u1eedi Ti\u1ec1n \u1ede M\u1ef9, An To\u00e0n V\u00e0 C\u00f3 L\u00e3i"},"content":{"rendered":"\n<p>G\u1eedi ti\u1ec1n \u1edf M\u1ef9 l\u00e0 m\u1ed9t trong nh\u1eefng c\u00e1ch \u0111\u1ec3 b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n c\u1ee7a b\u1ea1n h\u1eefu hi\u1ec7u nh\u1ea5t. V\u00ed d\u1ee5 nh\u01b0 b\u1ea1n&nbsp;kh\u00f4ng th\u1ec3 ti\u1ebft ki\u1ec7m n\u1ed5i ti\u1ec1n \u0111\u1ec3 \u0111\u1eb7t c\u1ecdc mua nh\u00e0&nbsp;th\u00ec g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m c\u00f3 l\u00e3i l\u00e0 m\u1ed9t c\u00e1ch l\u00e0m r\u1ea5t h\u1eefu hi\u1ec7u.<\/p>\n\n\n\n<p>H\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u1edf M\u1ef9 l\u00e0 m\u1ed9t h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh c\u00f3 uy t\u00edn v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng. C\u00f3 r\u1ea5t nhi\u1ec1u c\u00f4ng ty v\u00e0 c\u00e1 nh\u00e2n s\u1eed d\u1ee5ng c\u00e1c ng\u00e2n h\u00e0ng \u1edf M\u1ef9 \u0111\u1ec3 m\u1edf t\u00e0i kho\u1ea3n&nbsp;<strong>\u201cG\u1eedi Ti\u1ec1n Ti\u1ebft Ki\u1ec7m\u201d<\/strong>&nbsp;v\u00ec r\u1ea5t an to\u00e0n.<\/p>\n\n\n\n<p>L\u00e3i su\u1ea5t g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn 2% m\u1ed7i n\u0103m v\u00e0 g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m gi\u00fap b\u1ea1n c\u00f3 th\u1ec3 c\u00f3 k\u1ebf ho\u1ea1ch ti\u1ebft ki\u1ec7m l\u00e2u d\u00e0i nh\u1eb1m mua nh\u00e0 ho\u1eb7c l\u00e0m \u0103n kinh doanh. H\u00f4m nay m\u00ecnh xin chia s\u1ebd v\u1edbi c\u00e1c b\u1ea1n c\u00e1c kh\u00e1i ni\u1ec7m v\u1ec1 ti\u1ec1n g\u1eedi \u1edf M\u1ef9 \u0111\u1ec3 c\u00e1c b\u1ea1n c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng v\u00e0 l\u00e0m gi\u00e0u cho b\u1ea3n th\u00e2n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">T\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m l\u00e0 g\u00ec?<\/h2>\n\n\n\n<p>L\u00e0 t\u00e0i kho\u1ea3n b\u1ea1n m\u1edf \u1edf ng\u00e2n h\u00e0ng (saving accounts) \u0111\u1ec3 b\u1ea1n c\u00f3 th\u1ec3 b\u1ecf ti\u1ec1n v\u00f4 v\u00e0 ki\u1ebfm l\u1eddi. S\u1ed1 ti\u1ec1n n\u00e0y c\u00f3 th\u1ec3 l\u00e0 ti\u1ec1n kh\u1ea9n c\u1ea5p, ho\u1eb7c ti\u1ec1n \u0111\u1ec3 b\u1ea1n l\u00e0m vi\u1ec7c l\u1edbn. B\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c ch\u00ednh ph\u1ee7 M\u1ef9 b\u1ea3o \u0111\u1ea3m $250k n\u1ebfu ng\u00e2n h\u00e0ng b\u1ea1n g\u1eedi ti\u1ec1n b\u1ecb ph\u00e1 s\u1ea3n. V\u00ec v\u1eady r\u1ea5t nhi\u1ec1u c\u00e1 nh\u00e2n g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m \u0111\u1ec3 kh\u1ecfi lo tr\u1ed9m c\u1eafp n\u1ebfu \u0111\u1ec3 ti\u1ec1n \u1edf nh\u00e0.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">T\u1ea1i sao b\u1ea1n n\u00ean g\u1eedi ti\u1ec1n \u1edf m\u1ef9?<\/h2>\n\n\n\n<ul><li>Gi\u00fap b\u1ea1n ki\u1ebfm l\u00e3i 2% m\u1ed7i n\u0103m thay v\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1ed3ng n\u00e0o n\u1ebfu c\u1ea5t ti\u1ec1n trong t\u1ee7. Th\u00eam n\u1eefa n\u1ebfu \u0111\u1ec3 ti\u1ec1n trong t\u1ee7 ho\u1eb7c \u201cchecking account\u201d b\u1ea1n s\u1ebd b\u1ecb m\u1ea5t ti\u1ec1n v\u00ec l\u1ea1m ph\u00e1t.<\/li><li>Ti\u1ec1n c\u1ee7a b\u1ea1n \u0111\u01b0\u1ee3c an to\u00e0n v\u00ec \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m l\u00ean \u0111\u1ebfn $250 ng\u00e0n \u0111\u00f4 la m\u1ef9 v\u00e0 v\u00e0 n\u1ebfu b\u1ecb m\u1ea5t ti\u1ec1n trong l\u00fac g\u1eedi th\u00ec quy\u1ec1n l\u1ee3i c\u1ee7a b\u1ea1n c\u0169ng \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 t\u1ed1i \u0111a.<\/li><li>Gi\u00fap b\u1ea1n ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c ti\u1ec1n v\u00ec ng\u0103n c\u1ea3n ham mu\u1ed1n ti\u00eau x\u00e0i. Khi g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m th\u00ec b\u1ea1n kh\u00f4ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng n\u1ebfu kh\u00f4ng s\u1ebd b\u1ecb m\u1ea5t ti\u1ec1n l\u1eddi. Nh\u01b0 v\u1eady b\u1ea1n s\u1ebd ti\u1ebft ki\u1ec7m nhi\u1ec1u h\u01a1n.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00e1ch ch\u1ecdn ng\u00e2n h\u00e0ng \u0111\u1ec3 g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m<\/h2>\n\n\n\n<p>G\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m \u1edf c\u00e1c ng\u00e2n h\u00e0ng nh\u01b0 Chase, Boa, Wellsfargo (brick and mortar bank) r\u1ea5t th\u1ea5p so v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng online nh\u01b0 Discover, Ally. V\u00ed d\u1ee5 nh\u01b0 ng\u00e2n h\u00e0ng Chase ch\u1ec9 c\u00f3 0.01% Savings APY trong khi ng\u00e2n h\u00e0ng Discover l\u00ean \u0111\u1ebfn 2% Savings APY.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/i1.wp.com\/lamgiaukieumy.com\/wp-content\/uploads\/2019\/09\/g%E1%BB%ADi-ti%E1%BB%81n-ti%E1%BA%BFt-ki%E1%BB%87m.png?resize=704%2C598&amp;ssl=1\" alt=\"g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m\"\/><figcaption>Source: Nerdwallet<br><\/figcaption><\/figure><\/div>\n\n\n\n<p>Khi nghe n\u00f3i \u0111\u1ebfn ng\u00e2n h\u00e0ng online th\u00ec b\u1ea1n \u0111\u1eebng n\u00ean s\u1ee3 v\u00ec n\u00f3 c\u0169ng y nh\u01b0 ng\u00e2n h\u00e0ng \u201cBank of Ameria, Chase\u201d. Ti\u1ec1n c\u1ee7a b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m t\u1eadn r\u0103ng b\u1edfi\u00a0<strong>\u201cFederal Bank\u201d.<\/strong><br>C\u00e1c ng\u00e2n h\u00e0ng online n\u00e0y kh\u00f4ng c\u00f3 nhi\u1ec1u chi nh\u00e1nh v\u00e0 v\u0103n ph\u00f2ng n\u00ean h\u1ecd c\u00f3 th\u1ec3 tr\u1ea3 cho b\u1ea1n l\u00e3i su\u1ea5t cao. V\u00ed d\u1ee5 nh\u01b0 Discover Bank \u0111\u01b0\u1ee3c r\u1ea5t nhi\u1ec1u gi\u1edbi nh\u00e0 gi\u00e0u M\u1ef9 g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m l\u1ebfn \u0111\u1ebfn $5 \u2013 $10 tri\u1ec7u \u0111\u00f4 la m\u1ef9.<\/p>\n\n\n\n<p>Theo th\u1ed1ng k\u00ea: c\u1ee9 5 ng\u01b0\u1eddi M\u1ef9 th\u00ec c\u00f3 1 ng\u01b0\u1eddi s\u1ebd s\u1eed d\u1ee5ng&nbsp;<strong>\u201cOnline Bank\u201d&nbsp;<\/strong>nh\u01b0 Discover \u0111\u1ec3 g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m. B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm hi\u1ec3u th\u00eam t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m c\u1ee7a&nbsp;<a href=\"https:\/\/www.discover.com\/online-banking\/savings-account\/?ICMPGN=PUB_HNAV_BANK_SAVINGS\" target=\"_blank\" rel=\"noreferrer noopener\">Discover \u1edf \u0111\u00e2y<\/a>.<\/p>\n\n\n\n<p>&nbsp;\u201cV\u00ed d\u1ee5 nh\u01b0 b\u1ea1n c\u00f3 $15k ti\u1ec1n \u0111\u1ec3 d\u00e0nh ph\u00f2ng tr\u01b0\u1eddng h\u1ee3p b\u1ecb th\u1ea5t nghi\u1ec7p ho\u1eb7c mua xe cho con c\u00e1i. Th\u00ec n\u1ebfu b\u1ecf ti\u1ec1n tr\u00ean Discover, sau 5 n\u0103m b\u1ea1n ki\u1ebfm \u0111\u01b0\u1ee3c $1561 trong khi n\u1ebfu \u0111\u1ec3 \u1edf Chase th\u00ec b\u1ea1n ki\u1ebfm \u0111\u01b0\u1ee3c $8 \u0111\u00f4 la m\u1ef9.\u201d&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Nh\u1eefng \u0111i\u1ec3m c\u1ea7n l\u01b0u \u00fd khi g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m \u1edf m\u1ef9<\/h2>\n\n\n\n<ul><li><strong>\u0110\u1ec3 bao nhi\u00eau ti\u1ec1n trong t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m:<\/strong>&nbsp;b\u1ea1n c\u1ea7n \u0111\u1ec3 m\u1ed9t s\u1ed1 ti\u1ec1n t\u1eeb 3 \u2013 6 th\u00e1ng \u0111\u1ec3 chi ti\u00eau \u0111\u1ec3 \u0111\u1ec1 ph\u00f2ng tr\u01b0\u1eddng h\u1ee3p m\u1ea5t vi\u1ec7c l\u00e0m. Kh\u00f4ng n\u00ean \u0111\u1ec3 ti\u1ec1n trong t\u00e0i kho\u1ea3n \u201cchecking account\u201d v\u00ec nh\u01b0 v\u1eady th\u00ec ti\u1ec1n kh\u00f4ng l\u00e0m vi\u1ec7c cho b\u1ea1n.<\/li><li>V\u00e0 c\u0169ng kh\u00f4ng n\u00ean \u0111\u1ec3 ti\u1ec1n nhi\u1ec1u trong t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m v\u00ec kh\u00f4ng t\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn. B\u1ea1n c\u00f3 th\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0o t\u00e0i kho\u1ea3n v\u1ec1 h\u01b0u Roth IRA theo nh\u01b0 b\u00e0i vi\u1ebft&nbsp;<a href=\"https:\/\/lamgiaukieumy.com\/2018\/05\/cach-au-tu-100-moi-thang.html\" target=\"_blank\" rel=\"noreferrer noopener\">c\u00e1ch \u0111\u1ea7u t\u01b0 $100 m\u1ed7i th\u00e1ng<\/a>.<\/li><li><strong>Kh\u00f4ng n\u00ean \u0111\u1ec3 ti\u1ec1n \u1edf nh\u00e0 nhi\u1ec1u:<\/strong>&nbsp;n\u1ebfu \u0111\u1ec3 ti\u1ec1n \u1edf nh\u00e0 nhi\u1ec1u th\u00ec b\u1ea1n \u0111i \u0111\u00e2u c\u0169ng lo \u00e2u. R\u1ed3i c\u00f2n c\u00e1c tr\u01b0\u1eddng h\u1ee3p b\u1ecb tr\u1ed9m c\u1eafp.<\/li><li><strong>B\u1ea1n \u0111\u01b0\u1ee3c r\u00fat ti\u1ec1n ra trong tr\u01b0\u1eddng h\u1ee3p c\u1ea7n thi\u1ebft:<\/strong>&nbsp;khi g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m th\u00ec b\u1ea1n c\u1ea7n ch\u00fa \u00fd l\u00e0 kho\u1ea3ng th\u1eddi h\u1ea1n g\u1eedi ti\u1ec1n v\u00e0 n\u1ebfu b\u1ea1n r\u00fat ti\u1ec1n ra tr\u01b0\u1edbc th\u1eddi h\u1ea1n th\u00ec l\u00e3i su\u1ea5t t\u00ednh nh\u01b0 th\u1ebf n\u00e0o.<\/li><li>V\u00ed d\u1ee5 nh\u01b0 Discover th\u00ec b\u1ea1n ch\u1ec9 c\u1ea7n b\u1ecf ti\u1ec1n v\u00f4 l\u00e0 \u0111\u01b0\u1ee3c t\u00ednh l\u1eddi 2% kh\u00f4ng c\u00f3 h\u1ea1n \u0111\u1ecbnh v\u00e0&nbsp;<strong>\u0111\u01b0\u1ee3c r\u00fat ti\u1ec1n 6 l\u1ea7n m\u1ed7i th\u00e1ng<\/strong>&nbsp;m\u00e0 kh\u00f4ng b\u1ecb t\u00ednh ph\u00ed ho\u1eb7c ph\u1ea1t. R\u1ea5t kh\u1ecfe m\u00e0 c\u00f3 ti\u1ec1n x\u00e0i r\u1ee7ng r\u1ec9nh m\u1ed7i n\u0103m.<\/li><li><strong>Kh\u00f4ng t\u00ednh ph\u00ed b\u1ea3o tr\u00ec t\u00e0i kho\u1ea3n v\u00e0 m\u1ee9c nh\u1ecf nh\u1ea5t \u0111\u1ec3 m\u1edf t\u00e0i kho\u1ea3n:&nbsp;<\/strong>V\u00ed d\u1ee5 nh\u01b0&nbsp;<a href=\"https:\/\/www.discover.com\/online-banking\/savings-account\/\" target=\"_blank\" rel=\"noreferrer noopener\">Discover<\/a>&nbsp;ho\u1eb7c&nbsp;<a href=\"https:\/\/www.americanexpress.com\/personalsavings\/home.html\" target=\"_blank\" rel=\"noreferrer noopener\">American Express<\/a>&nbsp;th\u00ec b\u1ea1n s\u1ebd mi\u1ec5n ph\u00ed v\u00e0 c\u00f3 th\u1ec3 m\u1edf t\u00e0i kho\u1ea3n v\u1edbi $1 (no monthly fees, no minimum balance)<\/li><li><strong>C\u00e1ch th\u1ee9c chuy\u1ec3n ti\u1ec1n v\u00e0 r\u00fat ti\u1ec1n:<\/strong>&nbsp;Hi\u1ec7n t\u1ea1i th\u00ec h\u1ea7u h\u1ebft c\u00e1c \u201cOnline Banking\u201d cho b\u1ea1n r\u00fat v\u00e0 chuy\u1ec3n ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n hi\u1ec7n t\u1ea1i c\u1ee7a b\u1ea1n ho\u1eb7c b\u1eb1ng \u201cChecks\u201d<\/li><\/ul>\n\n\n\n<p>T\u00f3m g\u1ecdi l\u1ea1i th\u00ec g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m \u1edf c\u00e1c ng\u00e2n h\u00e0ng online nh\u01b0 Discover ho\u1eb7c American Express l\u00e0 m\u1ed9t c\u00e1ch r\u1ea5t hay \u0111\u1ec3 b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n c\u1ee7a b\u1ea1n nh\u1eb1m tr\u00e1nh l\u1ea1m ph\u00e1t ho\u1eb7c \u0111\u1ec3 d\u00e0nh ti\u1ec1n \u0111\u1eb7t c\u1ecdc mua nh\u00e0 \u1edf M\u1ef9.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>G\u1eedi ti\u1ec1n \u1edf M\u1ef9 l\u00e0 m\u1ed9t trong nh\u1eefng c\u00e1ch \u0111\u1ec3 b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n c\u1ee7a b\u1ea1n h\u1eefu hi\u1ec7u nh\u1ea5t. V\u00ed d\u1ee5 nh\u01b0 b\u1ea1n&nbsp;kh\u00f4ng th\u1ec3 ti\u1ebft ki\u1ec7m n\u1ed5i ti\u1ec1n \u0111\u1ec3 \u0111\u1eb7t c\u1ecdc mua nh\u00e0&nbsp;th\u00ec g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m c\u00f3 l\u00e3i l\u00e0 m\u1ed9t c\u00e1ch l\u00e0m r\u1ea5t h\u1eefu hi\u1ec7u. H\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u1edf M\u1ef9 l\u00e0 m\u1ed9t h\u1ec7 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"_links":{"self":[{"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/posts\/119"}],"collection":[{"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/comments?post=119"}],"version-history":[{"count":0,"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/posts\/119\/revisions"}],"wp:attachment":[{"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/media?parent=119"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/categories?post=119"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/tags?post=119"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}