{"id":30349,"date":"2025-06-12T08:45:24","date_gmt":"2025-06-12T01:45:24","guid":{"rendered":"https:\/\/quanghung.name.vn\/thoi-su\/quy-tac-quan-ly-tai-chinh-40-40-20-cho-gen-z\/"},"modified":"2025-06-12T08:45:24","modified_gmt":"2025-06-12T01:45:24","slug":"quy-tac-quan-ly-tai-chinh-40-40-20-cho-gen-z","status":"publish","type":"post","link":"https:\/\/quanghung.name.vn\/?p=30349","title":{"rendered":"Quy t\u1eafc qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh 40-40-20 cho Gen Z"},"content":{"rendered":"
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L\u00ean ch\u1ee9c tr\u01b0\u1edfng nh\u00f3m Marketing khi tr\u00f2n 25 tu\u1ed5i, Phan T\u1ea5n Vi\u1ec7t (TP HCM) \u0111\u1eb7t m\u1ee5c ti\u00eau s\u1ebd c\u00f3 nh\u00e0 th\u00e0nh ph\u1ed1 n\u0103m 30 tu\u1ed5i. Nh\u01b0ng sau h\u01a1n hai n\u0103m, anh th\u1eeba nh\u1eadn v\u1eabn ch\u01b0a c\u00f3 m\u1ed9t kho\u1ea3n t\u00edch l\u0169y n\u00e0o \u0111\u00e1ng k\u1ec3. “M\u1ed7i th\u00e1ng em \u0111\u1ec3 d\u00e0nh tr\u01b0\u1edbc m\u1ed9t \u00edt, c\u00f2n l\u1ea1i ti\u00eau d\u1ea7n. Nh\u01b0ng th\u1ea5y v\u00e9 m\u00e1y bay r\u1ebb l\u00e0 book, gi\u00e0y sale th\u00ec mua, cu\u1ed1i tu\u1ea7n l\u1ea1i \u0111i nh\u00e0 h\u00e0ng, du l\u1ecbch… n\u00ean g\u1ea7n nh\u01b0 ti\u1ec1n ti\u1ebft ki\u1ec7m \u0111\u1ec1u \u0111\u1ec3 tr\u1ea3 th\u1ebb t\u00edn d\u1ee5ng”, Vi\u1ec7t k\u1ec3.<\/p>\n

T\u01b0\u01a1ng t\u1ef1, L\u00ea Th\u1ecb Ng\u1ecdc Vy (H\u00e0 N\u1ed9i), \u0111\u00e3 \u0111i l\u00e0m b\u1ed1n n\u0103m v\u1edbi thu nh\u1eadp g\u1ea7n 20 tri\u1ec7u \u0111\u1ed3ng m\u1ed7i th\u00e1ng, nh\u01b0ng c\u0169ng kh\u00f4ng c\u00f3 kho\u1ea3n \u0111\u1ec3 d\u00e0nh. Vy k\u1ec3 th\u00e1ng r\u1ed3i b\u1ecb tai n\u1ea1n nh\u1eb9, ph\u1ea3i m\u01b0\u1ee3n b\u1ea1n \u0111\u1ec3 \u0111\u00f3ng vi\u1ec7n ph\u00ed, S\u1edf th\u00edch “s\u0103n sale”, \u0111i concert hay du l\u1ecbch “ch\u1eefa l\u00e0nh” khi\u1ebfn c\u00f4 nhi\u1ec1u l\u1ea7n b\u1ecb \u0111\u1ed9ng tr\u01b0\u1edbc nh\u1eefng t\u00ecnh hu\u1ed1ng kh\u1ea9n c\u1ea5p.<\/p>\n

Kh\u00f4ng \u00edt ng\u01b0\u1eddi tr\u1ebb r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng nh\u01b0 Vi\u1ec7t v\u00e0 Vy, d\u00f9 m\u1ee9c thu nh\u1eadp hi\u1ec7n nay kh\u00f4ng th\u1ea5p. Kh\u1ea3o s\u00e1t c\u1ee7a t\u1eadp \u0111o\u00e0n Navigos n\u0103m 2025 th\u1ef1c hi\u1ec7n tr\u00ean 3.400 ng\u01b0\u1eddi lao \u0111\u1ed9ng v\u1edbi g\u1ea7n m\u1ed9t n\u1eeda \u0111ang l\u00e0m vi\u1ec7c t\u1ea1i TP HCM (47,22%), cho th\u1ea5y, m\u1ee9c l\u01b0\u01a1ng trung b\u00ecnh c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng c\u00f3 kinh nghi\u1ec7m (ch\u01b0a l\u00e0 qu\u1ea3n l\u00fd) dao \u0111\u1ed9ng t\u1eeb 12,7 \u0111\u1ebfn 38,1 tri\u1ec7u \u0111\u1ed3ng m\u1ed7i th\u00e1ng, t\u00f9y l\u0129nh v\u1ef1c. V\u1edbi m\u1ed9t s\u1ed1 ng\u00e0nh \u0111\u1eb7c th\u00f9, m\u1ee9c thu nh\u1eadp c\u00f2n cao h\u01a1n. Tuy v\u1eady, t\u00ecnh tr\u1ea1ng “vung tay qu\u00e1 tr\u00e1n” v\u1eabn ph\u1ed5 bi\u1ebfn, b\u1eaft ngu\u1ed3n t\u1eeb vi\u1ec7c thi\u1ebfu k\u1ef7 lu\u1eadt t\u00e0i ch\u00ednh v\u00e0 ch\u01b0a bi\u1ebft c\u00e1ch ki\u1ec3m so\u00e1t d\u00f2ng ti\u1ec1n.<\/p>\n

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Gi\u1edbi tr\u1ebb l\u00e0m vi\u1ec7c t\u1ea1i m\u1ed9t qu\u00e1n c\u00e0 ph\u00ea \u1edf H\u00e0 N\u1ed9i. \u1ea2nh: Ho\u00e0ng Giang<\/em><\/p>\n<\/figcaption><\/figure>\n

Theo c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh t\u1eeb Manulife, v\u1ea5n \u0111\u1ec1 c\u1ee7a Gen Z kh\u00f4ng n\u1eb1m \u1edf m\u1ee9c thu nh\u1eadp, m\u00e0 l\u00e0 c\u00e1ch ti\u00eau ti\u1ec1n. \u0110\u1ec3 c\u1ea3i thi\u1ec7n, nh\u00f3m n\u00e0y c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng quy t\u1eafc 40-40-20. C\u1ee5 th\u1ec3, 40% thu nh\u1eadp d\u00e0nh cho chi ti\u00eau thi\u1ebft y\u1ebfu, 40% cho ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0, 20% cho nhu c\u1ea7u c\u00e1 nh\u00e2n v\u00e0 gi\u1ea3i tr\u00ed. T\u1ef7 l\u1ec7 n\u00e0y c\u00f3 th\u1ec3 linh ho\u1ea1t theo t\u1eebng ho\u00e0n c\u1ea3nh, song quan tr\u1ecdng nh\u1ea5t l\u00e0 t\u1ea1o \u0111\u01b0\u1ee3c gi\u1edbi h\u1ea1n r\u00f5 r\u00e0ng gi\u1eefa chi v\u00e0 t\u00edch l\u0169y.<\/p>\n

Tri\u1ec7u ph\u00fa Grant Cardone, ng\u01b0\u1eddi \u0111\u1ec1 xu\u1ea5t c\u00f4ng th\u1ee9c 40-40-20, cho r\u1eb1ng vi\u1ec7c d\u00e0nh 40% thu nh\u1eadp thay v\u00ec ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 gi\u00fap ng\u01b0\u1eddi tr\u1ebb x\u00e2y d\u1ef1ng s\u1ef1 gi\u00e0u c\u00f3 b\u1ec1n v\u1eefng. \u00d4ng c\u0169ng nh\u1ea5n m\u1ea1nh, quy t\u1eafc n\u00e0y gi\u00fap h\u1ea1n ch\u1ebf t\u00ecnh tr\u1ea1ng chi ti\u00eau ti\u1ec1n qu\u00e1 s\u1edbm ho\u1eb7c vung tay v\u01b0\u1ee3t qu\u00e1 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh.<\/p>\n

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\n\"Nguy\u00ean
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Nguy\u00ean t\u1eafc 40-40-20 c\u00f3 th\u1ec3 gi\u00fap ng\u01b0\u1eddi tr\u1ebb \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh. \u1ea2nh: Manulife<\/em><\/p>\n<\/figcaption><\/figure>\n

T\u1ea1i c\u00e1c th\u00e0nh ph\u1ed1 l\u1edbn \u1edf Vi\u1ec7t Nam, Gen Z c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng nguy\u00ean t\u1eafc n\u00e0y b\u1eb1ng c\u00e1ch gi\u1edbi h\u1ea1n chi ph\u00ed c\u1ed1 \u0111\u1ecbnh nh\u01b0 nh\u00e0 \u1edf, \u0103n u\u1ed1ng, di chuy\u1ec3n… trong kho\u1ea3ng 40% t\u1ed5ng thu nh\u1eadp. Ph\u1ea7n 40% t\u00edch l\u0169y c\u00f3 th\u1ec3 ph\u00e2n b\u1ed5 g\u1ed3m: 15% g\u1eedi ti\u1ebft ki\u1ec7m, 15% tham gia b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe – nh\u00e2n th\u1ecd, 10% \u0111\u1ea7u t\u01b0 v\u00e0o qu\u1ef9 m\u1edf ho\u1eb7c c\u1ed5 phi\u1ebfu d\u00e0i h\u1ea1n.<\/p>\n

Nguy\u1ec5n Thanh Nh\u00e0n, 27 tu\u1ed5i, nh\u00e2n vi\u00ean thi\u1ebft k\u1ebf n\u1ed9i th\u1ea5t, \u00e1p d\u1ee5ng nguy\u00ean t\u1eafc n\u00e0y t\u1eeb ng\u00e0y \u0111\u1ea7u \u0111i l\u00e0m. Nh\u00e0n cho bi\u1ebft khi v\u1eeba nh\u1eadn l\u01b0\u01a1ng s\u1ebd tr\u00edch 15% v\u00e0o t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m 10% \u0111\u00f3ng ph\u00ed b\u1ea3o hi\u1ec3m Manulife 10% \u0111\u01b0a v\u00e0o Qu\u1ef9 \u0111\u1ea7u t\u01b0 n\u0103ng \u0111\u1ed9ng MDI. Sau \u0111\u00f3 m\u1edbi t\u00ednh to\u00e1n ph\u1ea7n chi ti\u00eau. Nh\u00e0n cho bi\u1ebft, ti\u1ebft ki\u1ec7m v\u00e0 b\u1ea3o hi\u1ec3m l\u00e0 kho\u1ea3n b\u1eaft bu\u1ed9c<\/p>\n

Chuy\u00ean gia Manulife cho r\u1eb1ng, qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 ph\u1ea3i c\u1eaft b\u1ecf m\u1ecdi th\u00fa vui, m\u00e0 l\u00e0 hi\u1ec3u r\u00f5 d\u00f2ng ti\u1ec1n c\u1ee7a b\u1ea3n th\u00e2n c\u00f3 \u0111ang ph\u1ee5c v\u1ee5 cho m\u1ee5c ti\u00eau d\u00e0i h\u1ea1n hay kh\u00f4ng. Chuy\u00ean gia nh\u1ea5n m\u1ea1nh, n\u1ebfu ki\u00ean tr\u00ec v\u00e0 k\u1ef7 lu\u1eadt trong vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh, ng\u01b0\u1eddi tr\u1ebb ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c t\u1ef1 do t\u00e0i ch\u00ednh s\u1edbm h\u01a1n m\u00ecnh ngh\u0129.<\/p>\n

Th\u00e1i Anh<\/strong><\/p>\n

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L\u00ean ch\u1ee9c tr\u01b0\u1edfng nh\u00f3m Marketing khi tr\u00f2n 25 tu\u1ed5i, Phan T\u1ea5n Vi\u1ec7t (TP HCM) \u0111\u1eb7t m\u1ee5c ti\u00eau s\u1ebd c\u00f3 nh\u00e0 th\u00e0nh ph\u1ed1 n\u0103m 30 tu\u1ed5i. Nh\u01b0ng sau h\u01a1n hai n\u0103m, anh th\u1eeba nh\u1eadn v\u1eabn ch\u01b0a c\u00f3 m\u1ed9t kho\u1ea3n t\u00edch l\u0169y n\u00e0o \u0111\u00e1ng k\u1ec3. “M\u1ed7i th\u00e1ng em \u0111\u1ec3 d\u00e0nh tr\u01b0\u1edbc m\u1ed9t \u00edt, c\u00f2n l\u1ea1i ti\u00eau d\u1ea7n.<\/p>\n","protected":false},"author":1,"featured_media":30350,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"googlesitekit_rrm_CAow44a6DA:productID":"","footnotes":""},"categories":[2],"tags":[11298,11299,11297],"class_list":["post-30349","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-thoi-su","tag-bao-hiem","tag-bao-hiem-nhan-tho","tag-manulife-viet-nam"],"_links":{"self":[{"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=\/wp\/v2\/posts\/30349","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=30349"}],"version-history":[{"count":0,"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=\/wp\/v2\/posts\/30349\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=\/wp\/v2\/media\/30350"}],"wp:attachment":[{"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=30349"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=30349"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=30349"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}