{"id":13014,"date":"2023-12-11T13:58:31","date_gmt":"2023-12-11T21:58:31","guid":{"rendered":"https:\/\/www.sacregcf.org\/danh-muc-dau-tu\/"},"modified":"2026-04-25T16:41:01","modified_gmt":"2026-04-25T23:41:01","slug":"danh-muc-dau-tu","status":"publish","type":"page","link":"https:\/\/www.sacregcf.org\/vi\/cac-nha-tai-tro\/danh-muc-dau-tu\/","title":{"rendered":"Danh m\u1ee5c \u0111\u1ea7u t\u01b0"},"content":{"rendered":"\n
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<\/i><\/span> <\/a><\/div>\n\n\n\n

C\u00e1c nh\u00e0 t\u00e0i tr\u1ee3<\/a><\/strong><\/p>\n<\/div>\n\n\n

Danh m\u1ee5c \u0111\u1ea7u t\u01b0<\/h1>\n\n\n
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B\u1ea5t k\u1ec3 danh m\u1ee5c \u0111\u1ea7u t\u01b0 n\u00e0o h\u1ed7 tr\u1ee3 qu\u1ef9 t\u1eeb thi\u1ec7n c\u1ee7a b\u1ea1n, b\u1ea1n c\u00f3 th\u1ec3 tin t\u01b0\u1edfng r\u1eb1ng c\u00e1c chuy\u00ean gia \u0111\u1ecba ph\u01b0\u01a1ng \u0111ang qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n t\u1eeb thi\u1ec7n c\u1ee7a b\u1ea1n m\u1ed9t c\u00e1ch c\u1ea9n th\u1eadn.<\/p>\n\n\n

T\u1ed5ng quan \u0111\u1ea7u t\u01b0<\/i><\/span><\/span><\/a><\/div><\/div><\/div>\n\n\n\n
T\u01b0 v\u1ea5n \u0111\u1ea7u t\u01b0<\/i><\/span><\/span><\/a><\/div><\/div><\/div>\n<\/div>\n<\/div>\n<\/main>\n\n
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Ph\u00e1t tri\u1ec3n t\u00e1c \u0111\u1ed9ng c\u1ee7a b\u1ea1n<\/h2>\n\n\n\n

Qu\u1ef9 C\u1ed9ng \u0111\u1ed3ng Khu v\u1ef1c Sacramento \u0111\u01b0\u1ee3c bi\u1ebft \u0111\u1ebfn v\u1edbi s\u1ee9c m\u1ea1nh t\u00e0i ch\u00ednh v\u00e0 chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 h\u1ee3p l\u00fd. \u1ee6y ban \u0110\u1ea7u t\u01b0<\/strong><\/a> gi\u00e0u kinh nghi\u1ec7m v\u00e0 c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0<\/strong><\/a> \u0111\u1eb3ng c\u1ea5p th\u1ebf gi\u1edbi c\u1ee7a ch\u00fang t\u00f4i qu\u1ea3n l\u00fd 275 tri\u1ec7u \u0111\u00f4 la t\u00e0i s\u1ea3n t\u1eeb thi\u1ec7n, nh\u1eb1m m\u1ee5c \u0111\u00edch t\u0103ng ngu\u1ed3n l\u1ef1c t\u1eeb thi\u1ec7n c\u00f3 s\u1eb5n cho c\u00e1c ch\u1ee7 qu\u1ef9 c\u1ee7a ch\u00fang t\u00f4i v\u00e0 khu v\u1ef1c Sacramento. <\/p>\n\n\n\n

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Khi b\u1ea1n \u0111\u00f3ng g\u00f3p th\u00f4ng qua T\u1ed5 ch\u1ee9c C\u1ed9ng \u0111\u1ed3ng Khu v\u1ef1c Sacramento, t\u00e0i s\u1ea3n t\u1eeb thi\u1ec7n c\u1ee7a b\u1ea1n \u0111\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 v\u00e0o danh m\u1ee5c \u0111\u1ea7u t\u01b0 m\u00e0 b\u1ea1n ch\u1ecdn \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c ti\u00eau t\u00e0i tr\u1ee3 c\u1ee7a m\u00ecnh. <\/p>\n\n\n\n

T\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c gi\u00e1m s\u00e1t b\u1edfi \u1ee6y ban \u0110\u1ea7u t\u01b0 gi\u00e0u kinh nghi\u1ec7m c\u1ee7a ch\u00fang t\u00f4i v\u00e0 \u0111\u01b0\u1ee3c b\u00e1o c\u00e1o cho b\u1ea1n th\u00f4ng qua c\u00e1c b\u00e1o c\u00e1o qu\u1ef9 th\u00f4ng th\u01b0\u1eddng c\u00f3 th\u1ec3 truy c\u1eadp trong c\u1ed5ng th\u00f4ng tin c\u1ee7a nh\u00e0 t\u00e0i tr\u1ee3<\/a>.<\/p>\n<\/div>\n\n\n\n

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Danh m\u1ee5c \u0111\u1ea7u t\u01b0 t\u00e0i tr\u1ee3<\/h2>\n\n\n\n
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T\u00e0i s\u1ea3n trong qu\u1ef9 t\u1eeb thi\u1ec7n \u0111\u01b0\u1ee3c \u01b0u \u0111\u00e3i \u0111\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 \u0111\u1ec3 cung c\u1ea5p m\u1ed9t s\u1ed1 ti\u1ec1n h\u00e0ng n\u0103m s\u1ebd \u0111\u01b0\u1ee3c chi ti\u00eau cho c\u00e1c m\u1ee5c \u0111\u00edch t\u1eeb thi\u1ec7n v\u0129nh vi\u1ec5n. Nh\u00f3m \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c t\u00e0i tr\u1ee3 l\u00e0 m\u1ed9t qu\u1ef9 v\u0129nh vi\u1ec5n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd t\u00edch c\u1ef1c; Ph\u00ed qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0 cho qu\u1ef9 t\u00e0i tr\u1ee3 l\u00e0 1%.<\/p>\n<\/div>\n\n\n\n

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M\u1ee5c ti\u00eau<\/strong>: \u0110\u1ec3 ki\u1ebfm \u0111\u01b0\u1ee3c l\u1ee3i nhu\u1eadn d\u00e0i h\u1ea1n \u0111\u1ee7 v\u1edbi \u00edt ho\u1eb7c kh\u00f4ng c\u00f3 bi\u1ebfn \u0111\u1ed9ng nh\u1ea5t c\u00f3 th\u1ec3 \u0111\u1ec3 b\u1ea3o to\u00e0n s\u1ee9c mua c\u1ee7a t\u00e0i s\u1ea3n, sau khi tr\u1ee3 c\u1ea5p h\u00e0ng n\u0103m l\u00e0 4% v\u00e0 ph\u00ed h\u1ed7 tr\u1ee3 h\u00e0ng n\u0103m v\u00e0 chi ph\u00ed sinh ho\u1ea1t t\u0103ng.<\/p>\n<\/blockquote>\n\n\n\n

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Ch\u00ednh s\u00e1ch chi ti\u00eau<\/strong>: C\u00e1c ch\u1ee7 s\u1edf h\u1eefu qu\u1ef9 c\u00f3 th\u1ec3 ch\u1ecdn ph\u00e2n ph\u1ed1i h\u00e0ng n\u0103m l\u00e0 4% s\u1ed1 d\u01b0 c\u1ee7a qu\u1ef9, trung b\u00ecnh trong 12 qu\u00fd tr\u01b0\u1edbc \u0111\u00f3. C\u00e1c ch\u1ee7 s\u1edf h\u1eefu qu\u1ef9 c\u0169ng c\u00f3 th\u1ec3 ch\u1ecdn t\u00e1i \u0111\u1ea7u t\u01b0 s\u1ed1 ti\u1ec1n \u0111\u00f3 v\u00e0o kho d\u1eef li\u1ec7u \u0111\u1ec3 ti\u1ebfp t\u1ee5c t\u0103ng tr\u01b0\u1edfng. <\/p>\n<\/blockquote>\n\n\n\n

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Tri\u1ebft l\u00fd \u0111\u1ea7u t\u01b0<\/strong>: Qu\u1ef9 \u0111\u00e3 \u00e1p d\u1ee5ng Chi\u1ebfn l\u01b0\u1ee3c ph\u00e2n b\u1ed5 t\u00e0i s\u1ea3n chi\u1ebfn l\u01b0\u1ee3c c\u00e2n b\u1eb1ng t\u1ed1t nh\u1ea5t c\u01a1 h\u1ed9i \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau l\u1ee3i nhu\u1eadn \u0111\u1ea7u t\u01b0 v\u1edbi m\u1ee9c \u0111\u1ed9 bi\u1ebfn \u0111\u1ed9ng ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c. C\u00f3 b\u1eb1ng ch\u1ee9ng quan tr\u1ecdng cho th\u1ea5y c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n kh\u00f4ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb vi\u1ec7c c\u1ed1 g\u1eafng ki\u1ebfm l\u1ee3i nhu\u1eadn th\u00f4ng qua d\u1ef1 b\u00e1o lo\u1ea1i t\u00e0i s\u1ea3n ng\u1eafn h\u1ea1n ho\u1eb7c th\u1eddi gian th\u1ecb tr\u01b0\u1eddng. M\u1eb7c d\u00f9 m\u1ed7i lo\u1ea1i t\u00e0i s\u1ea3n v\u00e0 chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ec1u \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn c\u1ea9n th\u1eadn, nh\u01b0ng tr\u1ecdng t\u00e2m c\u1ee7a kho\u1ea3n \u0111\u1ea7u t\u01b0 lu\u00f4n l\u00e0 danh m\u1ee5c \u0111\u1ea7u t\u01b0 t\u1ed5ng th\u1ec3. <\/p>\n<\/blockquote>\n<\/div>\n\n\n\n

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Ph\u00e2n b\u1ed5 t\u00e0i s\u1ea3n t\u00e0i s\u1ea3n<\/strong>: Danh m\u1ee5c \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c \u0111a d\u1ea1ng h\u00f3a tr\u00ean c\u00e1c lo\u1ea1i t\u00e0i s\u1ea3n v\u00e0 chi\u1ebfn l\u01b0\u1ee3c kh\u00e1c nhau, v\u00e0 k\u1ebft qu\u1ea3 c\u1ee7a m\u1ed7i nh\u00e0 qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c \u1ee6y ban \u0110\u1ea7u t\u01b0 xem x\u00e9t h\u00e0ng qu\u00fd. L\u0129nh v\u1ef1c \u0111\u1ea7u t\u01b0 bao g\u1ed3m: <\/p>\n\n\n\n

V\u1ed1n ch\u1ee7 s\u1edf h\u1eefu v\u1ed1n h\u00f3a l\u1edbn\/trung b\u00ecnh c\u1ee7a Hoa K\u1ef3 (15%)V\u1ed1n ch\u1ee7 s\u1edf h\u1eefu v\u1ed1n h\u00f3a nh\u1ecf c\u1ee7a Hoa K\u1ef3 (6%)V\u1ed1n ch\u1ee7 s\u1edf h\u1eefu qu\u1ed1c t\u1ebf (15%)Th\u1ecb tr\u01b0\u1eddng m\u1edbi n\u1ed5i (6%)Ch\u1ecdn chi\u1ebfn l\u01b0\u1ee3c (19%)Thu nh\u1eadp c\u1ed1 \u0111\u1ecbnh c\u1ed1t l\u00f5i (10%)Tr\u00e1i phi\u1ebfu ng\u1eafn h\u1ea1n c\u1ee7a M\u1ef9 (3%)Qu\u1ef9 ph\u00f2ng h\u1ed9 (11%)T\u00e0i nguy\u00ean thi\u00ean nhi\u00ean (1,5%)B\u1ea5t \u0111\u1ed9ng s\u1ea3n (1,5%)V\u1ed1n c\u1ed5 ph\u1ea7n t\u01b0 nh\u00e2n (11%)Ti\u1ec1n v\u00e0 c\u00e1c kho\u1ea3n t\u01b0\u01a1ng \u0111\u01b0\u01a1ng (1%)<\/p>\n<\/blockquote>\n<\/div>\n<\/div>\n\n\n\n

K\u1ebft qu\u1ea3<\/h3>\n\n\n\n

K\u1ebft qu\u1ea3 danh m\u1ee5c \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c t\u00e0i tr\u1ee3 \u0111\u01b0\u1ee3c b\u00e1o c\u00e1o sau khi tr\u1eeb ph\u00ed qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0 cho giai \u0111o\u1ea1n k\u1ebft th\u00fac v\u00e0o ng\u00e0y 31 th\u00e1ng 12 n\u0103m 2025. Nh\u00f3m \u0111\u1ea7u t\u01b0 \u01b0u \u0111\u00e3i l\u00e0 m\u1ed9t qu\u1ef9 v\u0129nh vi\u1ec5n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd t\u00edch c\u1ef1c.<\/p>\n\n\n\n

<\/th>1 n\u0103m<\/th>3 N\u0103m<\/th>5 N\u0103m<\/th>7 n\u0103m<\/th>10 n\u0103m<\/th><\/tr><\/thead>
Danh m\u1ee5c \u0111\u1ea7u t\u01b0 Foundation Endowment<\/strong><\/td>14.7%<\/td>14.1%<\/td>7.0%<\/td>9.8%<\/td>8.6%<\/td><\/tr>
\u0110i\u1ec3m chu\u1ea9n t\u00e0i tr\u1ee3<\/strong><\/td>17.5%<\/td>14.1%<\/td>8.6%<\/td>10.6%<\/td>9.1%<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n\n\n\n
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Danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng<\/h2>\n\n\n\n
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C\u00e1c nh\u00e0 t\u00e0i tr\u1ee3 ch\u1ecdn chi ti\u00eau qu\u1ef9 t\u1eeb thi\u1ec7n c\u1ee7a h\u1ecd thay v\u00ec t\u00e0i tr\u1ee3 v\u0129nh vi\u1ec5n c\u00f3 t\u00f9y ch\u1ecdn ch\u1ecdn m\u1ed9t nh\u00f3m \u0111\u1ea7u t\u01b0 g\u1ea7n ph\u00f9 h\u1ee3p v\u1edbi th\u1eddi \u0111i\u1ec3m t\u00e0i tr\u1ee3 c\u1ee7a h\u1ecd. C\u00e1c nh\u00e0 t\u00e0i tr\u1ee3 c\u00f3 th\u1ec3 ch\u1ecdn thay \u0111\u1ed5i h\u1ed3 b\u01a1i m\u1ed7i n\u0103m m\u1ed9t l\u1ea7n b\u1eb1ng c\u00e1ch li\u00ean h\u1ec7 v\u1edbi ch\u00fang t\u00f4i<\/a>. Ph\u00ed qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0 \u01b0\u1edbc t\u00ednh cho c\u00e1c nh\u00f3m c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng \u0111\u01b0\u1ee3c l\u01b0u \u00fd d\u01b0\u1edbi \u0111\u00e2y. <\/p>\n<\/div>\n\n\n\n

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Short Term Pool<\/strong>: Cung c\u1ea5p m\u1ee9c thanh kho\u1ea3n cao cho c\u00e1c ch\u1ee7 qu\u1ef9 v\u1edbi chi\u1ebfn l\u01b0\u1ee3c t\u00e0i tr\u1ee3 ng\u1eafn h\u1ea1n (1-3 n\u0103m). Ph\u00ed qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0 cho nh\u00f3m n\u00e0y l\u00e0 0,15%. <\/p>\n\n\n\n

Tr\u00e1i phi\u1ebfu ng\u1eafn h\u1ea1n M\u1ef9 (50%)Th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7 (50%)<\/p>\n<\/blockquote>\n\n\n\n

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Nh\u00f3m k\u1ef3 h\u1ea1n trung gian<\/strong>: C\u00e2n b\u1eb1ng nhu c\u1ea7u thanh kho\u1ea3n nh\u1eb9 v\u1edbi m\u1ee9c \u0111\u1ed9 t\u0103ng gi\u00e1 d\u1ef1 ki\u1ebfn h\u1ee3p l\u00fd trong to\u00e0n b\u1ed9 chu k\u1ef3 th\u1ecb tr\u01b0\u1eddng (3-5 n\u0103m). Ph\u00ed qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0 cho nh\u00f3m n\u00e0y l\u00e0 0,17%. <\/p>\n\n\n\n

V\u1ed1n h\u00f3a l\u1edbn c\u1ee7a Hoa K\u1ef3 (15%)V\u1ed1n h\u00f3a nh\u1ecf c\u1ee7a M\u1ef9 (4%)C\u00f4ng b\u1eb1ng qu\u1ed1c t\u1ebf (13%)Th\u1ecb tr\u01b0\u1eddng m\u1edbi n\u1ed5i (5%)Tr\u00e1i phi\u1ebfu l\u00f5i c\u1ee7a M\u1ef9 (23%)Tr\u00e1i phi\u1ebfu ng\u1eafn h\u1ea1n c\u1ee7a M\u1ef9 (40%)<\/p>\n<\/blockquote>\n<\/div>\n\n\n\n

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Long Term Pool<\/strong>: Ph\u1ea3n \u00e1nh chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 Endowment c\u00e0ng ch\u1eb7t ch\u1ebd c\u00e0ng t\u1ed1t v\u1edbi m\u1ee5c \u0111\u00edch duy tr\u00ec t\u00e0i s\u1ea3n trong qu\u1ef9 trong khung th\u1eddi gian d\u00e0i h\u01a1n (tr\u00ean 5 n\u0103m). Ph\u00ed qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0 cho nh\u00f3m n\u00e0y l\u00e0 0,18%. <\/p>\n\n\n\n

V\u1ed1n h\u00f3a l\u1edbn c\u1ee7a Hoa K\u1ef3 (30%)V\u1ed1n h\u00f3a nh\u1ecf c\u1ee7a M\u1ef9 (6%)C\u00f4ng b\u1eb1ng qu\u1ed1c t\u1ebf (26%)Th\u1ecb tr\u01b0\u1eddng m\u1edbi n\u1ed5i (8%)Tr\u00e1i phi\u1ebfu l\u00f5i c\u1ee7a M\u1ef9 (15%)Tr\u00e1i phi\u1ebfu ng\u1eafn h\u1ea1n M\u1ef9 (15%)<\/p>\n<\/blockquote>\n<\/div>\n<\/div>\n\n\n\n

K\u1ebft qu\u1ea3<\/h3>\n\n\n\n

K\u1ebft qu\u1ea3 cho c\u00e1c nh\u00f3m c\u00f3 th\u1ec3 chi ti\u00eau \u0111\u01b0\u1ee3c b\u00e1o c\u00e1o sau khi tr\u1eeb ph\u00ed qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0 cho giai \u0111o\u1ea1n k\u1ebft th\u00fac v\u00e0o ng\u00e0y 31 th\u00e1ng 12 n\u0103m 2025. L\u1ef1a ch\u1ecdn h\u1ed3 b\u01a1i d\u1ef1a tr\u00ean ch\u00e2n tr\u1eddi t\u00e0i tr\u1ee3 c\u1ee7a nh\u00e0 t\u00e0i tr\u1ee3.<\/p>\n\n\n\n

<\/th>1 n\u0103m<\/th>3 N\u0103m<\/th>5 N\u0103m<\/th>7 n\u0103m<\/th>10 n\u0103m<\/th><\/tr><\/thead>
H\u1ed3 b\u01a1i ng\u1eafn h\u1ea1n<\/strong><\/td>5.0%<\/td>4.7%<\/td>2.3%<\/td>2.5%<\/td>2.1%<\/td><\/tr>
Nh\u00f3m trung h\u1ea1n<\/strong><\/td>11.7%<\/td>10.1%<\/td>4.5%<\/td>6.2%<\/td>5.3%<\/td><\/tr>
H\u1ed3 b\u01a1i d\u00e0i h\u1ea1n<\/strong><\/td>17.6%<\/td>15.0%<\/td>7.4%<\/td>10.1%<\/td>8.7%<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n\n\n\n

T\u1ea5t c\u1ea3 c\u00e1c l\u1ef1a ch\u1ecdn \u0111\u1ea7u t\u01b0 \u0111\u1ec1u c\u00f3 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro kh\u00e1c nhau, \u0111\u01b0\u1ee3c minh h\u1ecda t\u01b0\u01a1ng \u0111\u1ed1i v\u1edbi nhau d\u01b0\u1edbi \u0111\u00e2y:<\/strong><\/p>\n\n\n\n

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Ph\u00ed qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0 n\u00eau tr\u00ean ph\u1ea3n \u00e1nh c\u00e1c kho\u1ea3n ph\u00ed do c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0 v\u00e0 Crewcial Partners LLC t\u00ednh. Ch\u00fang t\u00e1ch bi\u1ec7t v\u1edbi Ph\u00ed h\u1ed7 tr\u1ee3 c\u1ee7a T\u1ed5 ch\u1ee9c C\u1ed9ng \u0111\u1ed3ng Khu v\u1ef1c Sacramento <\/em>.<\/p>\n<\/div>\n\n

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Ch\u00fang t\u00f4i lu\u00f4n s\u1eb5n l\u00f2ng tr\u1ea3 l\u1eddi c\u00e1c c\u00e2u h\u1ecfi v\u1ec1 tri\u1ebft l\u00fd \u0111\u1ea7u t\u01b0, danh m\u1ee5c \u0111\u1ea7u t\u01b0 v\u00e0 l\u1ee3i nhu\u1eadn. L\u00ean l\u1ecbch h\u1ecdp \u0111\u1ec3 b\u1eaft \u0111\u1ea7u<\/strong><\/a> v\u00e0 li\u00ean h\u1ec7 v\u1edbi ch\u00fang t\u00f4i<\/strong><\/a> b\u1ea5t c\u1ee9 l\u00fac n\u00e0o n\u1ebfu c\u00f3 th\u1eafc m\u1eafc.<\/p>\n<\/div>\n\n

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\n C\u00e1c nh\u00e0 t\u00e0i tr\u1ee3 c\u00f3 s\u1ef1 linh ho\u1ea1t n\u00e0o \u0111\u1ec3 l\u1ef1a ch\u1ecdn \u0111\u1ea7u t\u01b0 c\u1ee7a ri\u00eang h\u1ecd? <\/div>\n
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C\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a ch\u00fang t\u00f4i \u0111\u01b0\u1ee3c g\u1ed9p l\u1ea1i v\u00e0 c\u00e1c nh\u00e0 t\u00e0i tr\u1ee3 c\u1ee7a ch\u00fang t\u00f4i c\u00f3 t\u00f9y ch\u1ecdn l\u1ef1a ch\u1ecdn t\u1eeb c\u00e1c d\u1ecbch v\u1ee5 kh\u00e1c nhau. M\u1ed7i nh\u00f3m n\u00e0y c\u00f3 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro v\u00e0 l\u1ee3i nhu\u1eadn k\u1ef3 v\u1ecdng ri\u00eang bi\u1ec7t. Theo th\u1eddi gian, c\u00e1c nh\u00f3m r\u1ee7i ro cao h\u01a1n d\u1ef1 ki\u1ebfn s\u1ebd t\u1ea1o ra l\u1ee3i nhu\u1eadn cao h\u01a1n; Ch\u00fang c\u0169ng c\u00f3 th\u1ec3 ch\u1ecbu s\u1ef1 s\u1ee5t gi\u1ea3m ng\u1eafn h\u1ea1n v\u00e0 trung h\u1ea1n l\u1edbn h\u01a1n. Nh\u00f3m n\u00e0o l\u00e0 t\u1ed1t nh\u1ea5t cho m\u1ed7i nh\u00e0 t\u00e0i tr\u1ee3 l\u00e0 nh\u00f3m ph\u00f9 h\u1ee3p nh\u1ea5t v\u1edbi th\u1eddi gian t\u1eeb thi\u1ec7n c\u1ee7a nh\u00e0 t\u00e0i tr\u1ee3 \u0111\u00f3. <\/p>\n <\/div>\n <\/div>\n <\/div>\n

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\n L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 b\u1ea1n qu\u1ea3n l\u00fd c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 trong m\u1ed9t th\u1ecb tr\u01b0\u1eddng g\u1ea5u? <\/div>\n
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C\u00e1c nh\u00f3m \u0111\u1ea7u t\u01b0 c\u1ee7a ch\u00fang t\u00f4i h\u01b0\u1edbng \u0111\u1ebfn t\u00ednh nh\u1ea5t qu\u00e1n v\u00ec n\u00f3 li\u00ean quan \u0111\u1ebfn chi\u1ebfn l\u01b0\u1ee3c v\u00e0 gi\u1ea3 \u0111\u1ecbnh r\u1ee7i ro. M\u1eb7c d\u00f9 \u0111\u00f4i khi c\u00f3 th\u1ec3 c\u1ea3m th\u1ea5y kh\u00f3 ch\u1ecbu, nh\u01b0ng c\u00e1ch ti\u1ebfp c\u1eadn c\u1ee7a ch\u00fang t\u00f4i d\u1ef1a tr\u00ean \u00fd t\u01b0\u1edfng r\u1eb1ng th\u1ecb tr\u01b0\u1eddng g\u1ea5u k\u1ebft th\u00fac \u0111\u1ed9t ng\u1ed9t v\u00e0 b\u1ea5t ng\u1edd khi ch\u00fang \u0111\u1ebfn. H\u01a1n n\u1eefa, gi\u00e1 c\u1ef1c k\u1ef3 bi quan c\u00f3 th\u1ec3 c\u00f3 ch\u1ecdn l\u1ecdc trong nh\u1eefng th\u1eddi \u0111i\u1ec3m nh\u01b0 v\u1eady v\u00e0 cung c\u1ea5p c\u00e1c c\u01a1 h\u1ed9i l\u1edbn k\u1ebft h\u1ee3p l\u1ee3i nhu\u1eadn ti\u1ec1m n\u0103ng l\u1edbn b\u1ea5t th\u01b0\u1eddng v\u00e0 nh\u01b0\u1ee3c \u0111i\u1ec3m l\u00e2u d\u00e0i h\u1ea1n ch\u1ebf. Quan \u0111i\u1ec3m c\u1ee7a ch\u00fang t\u00f4i l\u00e0 th\u00e0nh c\u00f4ng \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n ph\u1ee5 thu\u1ed9c m\u1ed9t ph\u1ea7n v\u00e0o vi\u1ec7c n\u1eafm b\u1eaft nh\u1eefng c\u01a1 h\u1ed9i n\u00e0y. Do \u0111\u00f3, chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 c\u1ee7a ch\u00fang t\u00f4i trong th\u1ecb tr\u01b0\u1eddng g\u1ea5u \u00edt kh\u00e1c so v\u1edbi chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 c\u1ee7a ch\u00fang t\u00f4i trong nh\u1eefng th\u1eddi \u0111i\u1ec3m kh\u00e1c. <\/p>\n <\/div>\n <\/div>\n <\/div>\n

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\n C\u00e1c ch\u1ee7 s\u1edf h\u1eefu qu\u1ef9 c\u00f3 th\u1ec3 thay \u0111\u1ed5i nh\u00f3m \u0111\u1ea7u t\u01b0 c\u1ee7a h\u1ecd kh\u00f4ng? <\/div>\n
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C\u00f3. C\u00e1c ch\u1ee7 qu\u1ef9 c\u00f3 v\u1ed1n c\u00f3 th\u1ec3 chi ti\u00eau c\u00f3 th\u1ec3 thay \u0111\u1ed5i nh\u00f3m \u0111\u1ea7u t\u01b0 c\u1ee7a h\u1ecd m\u1ed7i n\u0103m m\u1ed9t l\u1ea7n. \u0110\u1ec3 b\u1eaft \u0111\u1ea7u, vui l\u00f2ng li\u00ean h\u1ec7 v\u1edbi Nh\u00f3m t\u1eeb thi\u1ec7n c\u1ee7a b\u1ea1n. <\/p>\n <\/div>\n <\/div>\n <\/div>\n \n