{"id":939,"date":"2024-12-02T03:10:55","date_gmt":"2024-12-02T03:10:55","guid":{"rendered":"https:\/\/blog.ezworkapp.com\/index.php\/2024\/12\/02\/neu-tiet-kiem-va-dau-tu-bay-gio-thi-sau-bao-nam-ban-co-the-nghi-huu\/"},"modified":"2024-12-02T03:10:55","modified_gmt":"2024-12-02T03:10:55","slug":"neu-tiet-kiem-va-dau-tu-bay-gio-thi-sau-bao-nam-ban-co-the-nghi-huu","status":"publish","type":"post","link":"https:\/\/blog.ezworkapp.com\/index.php\/2024\/12\/02\/neu-tiet-kiem-va-dau-tu-bay-gio-thi-sau-bao-nam-ban-co-the-nghi-huu\/","title":{"rendered":"N\u1ebfu ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0 b\u00e2y gi\u1edd, th\u00ec sau bao n\u0103m b\u1ea1n c\u00f3 th\u1ec3 ngh\u1ec9 h\u01b0u"},"content":{"rendered":"<div class=\"uk-panel uk-margin\" id=\"template-nJy84WMn#1\">\n<p>G\u1ea7n \u0111\u00e2y tr\u00ean th\u1ebf gi\u1edbi v\u00e0 ngay c\u1ea3 \u1edf t\u1ea1i Vi\u1ec7t Nam, ch\u00e0o l\u01b0u FIRE d\u1ea7n tr\u1edf n\u00ean ph\u1ed5 bi\u1ebfn h\u01a1n, v\u1eady FIRE l\u00e0 g\u00ec, l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c, b\u1ea1n c\u1ea7n chu\u1ea9n b\u1ecb nh\u01b0 th\u1ebf n\u00e0o \u2026 C\u00f3 r\u1ea5t nhi\u1ec1u c\u00e2u h\u1ecfi m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 \u0111\u1eb7t ra v\u1edbi ch\u1ee7 \u0111\u1ec1 n\u00e0y. FIRE l\u00e0 t\u1eeb vi\u1ebft t\u1eaft c\u1ee7a Financial Independent, Retire Early, ngh\u0129a ti\u1ebfng Vi\u1ec7t l\u00e0 tr\u1edf n\u00ean \u0111\u1ed9c l\u1eadp v\u1ec1 t\u00e0i ch\u00ednh, (c\u00f3 th\u1ec3) ngh\u1ec9 h\u01b0u s\u1edbm. N\u00f3i m\u1ed9t c\u00e1ch d\u1ec5 hi\u1ec7u, FIRE l\u00e0 m\u1ed9t tr\u1ea1ng th\u00e1i c\u1ee7a t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n ho\u1eb7c t\u00e0i ch\u00ednh gia \u0111\u00ecnh b\u1ea1n, khi m\u00e0 s\u1ed1 ti\u1ec1n thu nh\u1eadp \u0111\u1ebfn t\u1eeb c\u00e1c ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u t\u01b0, ti\u1ebft ki\u1ec7m, \u2026, nh\u1eefng ngu\u1ed3n thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng s\u1ebd l\u1edbn h\u01a1n s\u1ed1 ti\u1ec1n b\u1ea1n chi ra. B\u00e0i n\u00e0y, m\u00ecnh s\u1ebd s\u1eed d\u1ee5ng m\u1ed9t c\u00e1ch t\u00ednh to\u00e1n r\u1ea5t \u0111\u01a1n gi\u1ea3n \u0111\u1ec3 c\u00f3 th\u1ec3 ch\u1ec9 ra cho c\u00e1c b\u1ea1n bi\u1ebft r\u00f5 \u0111\u01b0\u1ee3c, th\u1eddi \u0111i\u1ec3m n\u00e0o theo l\u00fd thuy\u1ebft b\u1ea1n c\u00f3 th\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c s\u1ef1 \u0111\u1ed9c l\u1eadp v\u1ec1 t\u00e0i ch\u00ednh, c\u00f2n khi \u0111\u00f3, b\u1ea1n c\u00f3 ngh\u1ec9 h\u01b0u hay kh\u00f4ng th\u00ec l\u00e0 t\u00f9y \u1edf b\u1ea1n.<\/p>\n<p>\u0110\u1ea7u ti\u00ean, m\u1eddi c\u00e1c b\u1ea1n theo d\u00f5i m\u1ed9t video ng\u1eafn sau \u0111\u00e2y, m\u00ecnh \u0111\u00e3 l\u00e0m ra m\u1ed9t Telegram Bot \u0111\u1ec3 c\u00e1c b\u1ea1n c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng t\u01b0\u01a1ng t\u00e1c v\u00e0 nh\u1eadn \u0111\u01b0\u1ee3c k\u1ebft qu\u1ea3 sau t\u1eebng c\u00e2u tr\u1ea3 l\u1eddi. Sau khi xem video, b\u1ea1n c\u00f3 th\u1ec3 \u0111\u1ecdc ph\u1ea7n t\u00ednh to\u00e1n chi ti\u1ebft \u1edf sau video.<\/p>\n<div id=\"erdyt-674d253eaca3d\" data-id=\"Ul-qgzUXI5k\" class=\"erd-youtube-responsive\" style=\"position:relative;clear:both;width:100%;max-width:88%;margin-left:auto;margin-right:auto\">\n<div style=\"padding-bottom:56.25%\">\n<div class=\"erd-ytplay\" id=\"erdytp-Ul-qgzUXI5k-674d253eaca3d\" data-vid=\"Ul-qgzUXI5k\" data-src=\"https:\/\/www.youtube.com\/embed\/Ul-qgzUXI5k?loop=1&amp;autoplay=1&amp;rel=0\" data-allowfullscreen=\"true\"><img decoding=\"async\" src=\"http:\/\/blog.ezworkapp.com\/wp-content\/uploads\/2024\/12\/hqdefault-10.jpg\" alt=\"YouTube video\" title=\"hqdefault-10\"><\/div>\n<\/div>\n<\/div>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_61 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Xem nhanh<\/p>\n<p><label for=\"ez-toc-cssicon-toggle-item-674d253eb0435\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><\/span><\/span><\/label><\/p>\n<nav>\n<ul class=\"ez-toc-list ez-toc-list-level-1 \">\n<li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/blog.hocexcel.online\/neu-tiet-kiem-va-dau-tu-bay-gio-thi-sau-bao-nam-ban-co-the-nghi-huu.html#Ham_tai_chinh_NPER_trong_viec_tinh_toan_so_ky_dau_tu\" title=\"H\u00e0m t\u00e0i ch\u00ednh NPER trong vi\u1ec7c t\u00ednh to\u00e1n s\u1ed1 k\u1ef3 \u0111\u1ea7u t\u01b0\">H\u00e0m t\u00e0i ch\u00ednh NPER trong vi\u1ec7c t\u00ednh to\u00e1n s\u1ed1 k\u1ef3 \u0111\u1ea7u t\u01b0<\/a>\n<ul class=\"ez-toc-list-level-3\">\n<li class=\"ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/blog.hocexcel.online\/neu-tiet-kiem-va-dau-tu-bay-gio-thi-sau-bao-nam-ban-co-the-nghi-huu.html#Cu_phap_cua_ham_NPER\" title=\"C\u00fa ph\u00e1p c\u1ee7a h\u00e0m NPER\">C\u00fa ph\u00e1p c\u1ee7a h\u00e0m NPER<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/nav>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Ham_tai_chinh_NPER_trong_viec_tinh_toan_so_ky_dau_tu\"><\/span>H\u00e0m t\u00e0i ch\u00ednh NPER trong vi\u1ec7c t\u00ednh to\u00e1n s\u1ed1 k\u1ef3 \u0111\u1ea7u t\u01b0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>H\u00e0m NPER s\u1ebd t\u00ednh to\u00e1n s\u1ed1 k\u1ef3 \u0111\u1ea7u t\u01b0 d\u1ef1a tr\u00ean c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 \u0111\u1ecbnh k\u1ef3, kh\u00f4ng thay \u0111\u1ed5i, v\u1edbi l\u00e3i su\u1ea5t c\u1ee7a c\u00e1c k\u1ef3 kh\u00f4ng \u0111\u1ed5i. \u1ede ph\u1ea7n b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang ta h\u00e3y \u0111i t\u00ecm hi\u1ec3u m\u1ed9t c\u00e1ch gi\u1ea3i th\u00edch d\u1ec5 hi\u1ec3u h\u01a1n v\u1ec1 h\u00e0m n\u00e0y, c\u00f2n b\u1ea1n n\u00e0o mu\u1ed1n t\u00ecm hi\u1ec3u \u0111\u1ea7y \u0111\u1ee7 v\u1ec1 h\u00e0m NPER, th\u00ec c\u00f3 th\u1ec3 \u0111\u1ecdc ti\u1ebfp \u1edf ph\u1ea7n sau. Ch\u00fang ta s\u1ebd c\u00f3 t\u1eebng tham s\u1ed1 c\u1ea7n thi\u1ebft cho h\u00e0m NPER \u0111\u1ec3 t\u00ednh to\u00e1n khi n\u00e0o ch\u00fang ta c\u00f3 th\u1ec3 ngh\u1ec9 h\u01b0u v\u1edbi c\u00e1c th\u00f4ng tin trong v\u00ed d\u1ee5 nh\u01b0 sau:<\/p>\n<p>B\u1ea1n \u0111i l\u00e0m, h\u00e0ng th\u00e1ng ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c 10 tri\u1ec7u. B\u1ea1n mong mu\u1ed1n t\u1ea1i th\u1eddi \u0111i\u1ec3m ngh\u1ec9 h\u01b0u c\u00f3 th\u1ec3 c\u00f3 thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng h\u00e0ng th\u00e1ng l\u00e0 20 tri\u1ec7u \u0111\u1ec3 trang tr\u1ea3i ti\u00eau d\u00f9ng. B\u1ea1n t\u00ecm \u0111\u01b0\u1ee3c m\u1ed9t h\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0 \u00edt r\u1ee7i ro, v\u1edbi t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn h\u00e0ng n\u0103m l\u00e0 6% (T\u1ea1i th\u1eddi \u0111i\u1ec3m vi\u1ebft b\u00e0i n\u00e0y, l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m \u1edf VN l\u00e0 v\u00e0o kho\u1ea3ng 6% \/ n\u0103m, t\u00f9y theo ng\u00e2n h\u00e0ng m\u00e0 con s\u1ed1 n\u00e0y c\u00f3 th\u1ec3 kh\u00e1c nhau). C\u00f3 m\u1ed9t con s\u1ed1 \u1edf \u0111\u00e2y, l\u00e0 con s\u1ed1 an to\u00e0n m\u00e0 h\u1ea7u h\u1ebft nh\u1eefng ng\u01b0\u1eddi \u0111\u00e3 \u1edf trong t\u00ecnh tr\u1ea1ng t\u00e0i ch\u00ednh FIRE \u0111\u1ed3ng \u00fd \u0111\u00f3 l\u00e0 4%. Con s\u1ed1 4% n\u00e0y c\u00f3 \u00fd ngh\u0129a nh\u01b0 th\u1ebf n\u00e0o? 4% l\u00e0 con s\u1ed1 b\u1ea1n c\u00f3 th\u1ec3 r\u00fat ra h\u00e0ng n\u0103m t\u1eeb s\u1ed1 ti\u1ec1n \u0111\u1ea7u t\u01b0 t\u1ea1i th\u1eddi \u0111i\u1ec3m ngh\u1ec9 h\u01b0u.<\/p>\n<p>Ch\u00fang ta s\u1ebd cho nh\u1eefng con s\u1ed1 tr\u00ean v\u00e0o h\u00e0m NPER \u0111\u1ec3 t\u00ednh to\u00e1n nh\u01b0 th\u1ebf n\u00e0o? M\u1eddi c\u00e1c b\u1ea1n xem c\u00f4ng th\u1ee9c \u1edf trong file Excel Online sau \u0111\u00e2y, c\u00e1c b\u1ea1n c\u00f3 th\u1ec3 thay s\u1ed1 c\u1ee7a m\u00ecnh v\u00e0o \u0111\u1ec3 th\u1ea5y tr\u01b0\u1eddng h\u1ee3p c\u1ee7a m\u00ecnh nh\u01b0 th\u1ebf n\u00e0o.<\/p>\n\n<h3><span class=\"ez-toc-section\" id=\"Cu_phap_cua_ham_NPER\"><\/span>C\u00fa ph\u00e1p c\u1ee7a h\u00e0m NPER<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<pre><code class=\"language-xls\">=NPER( rate, pmt, pv, [fv], [type] )<\/code><\/pre>\n<p>Trong \u0111\u00f3:<\/p>\n<div class=\"code-block code-block-1\" style=\"margin: 8px 0;clear: both\">\n<div class=\"ad-inserterpro\">\n<a href=\"https:\/\/hocexcel.online\/course\/preview\/ex101-excel-tu-co-ban-den-chuyen-gia-danh-cho-nguoi-di-lam\"><br \/>\n<img decoding=\"async\" src=\"http:\/\/blog.ezworkapp.com\/wp-content\/uploads\/2024\/12\/ex101_92019-nho-61.gif\" title=\"ex101_92019-nho-61\"><br \/>\n<\/a>\n<\/div>\n<\/div>\n<ul>\n<li>rate: l\u00e0 l\u00e3i su\u1ea5t c\u1ee7a c\u00e1c k\u1ef3 \u0111\u1ea7u t\u01b0<\/li>\n<li>pmt: l\u00e0 v\u1ed1n \u0111\u1ea7u t\u01b0 c\u1ee7a c\u00e1c k\u1ef3<\/li>\n<li>pv: l\u00e0 gi\u00e1 tr\u1ecb c\u1ee7a portfolio \u1edf th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i<\/li>\n<li>fv: l\u00e0 gi\u00e1 tr\u1ecb c\u1ee7a portfolio \u1edf th\u1eddi \u0111i\u1ec3m t\u01b0\u01a1ng lai<\/li>\n<li>type: 0 \u2013 \u0111\u1ea7u t\u01b0 v\u00e0o cu\u1ed1i k\u1ef3, 1 \u2013 \u0111\u1ea7u t\u01b0 v\u00e0o \u0111\u1ea7u k\u1ef3<\/li>\n<\/ul>\n<p>Nh\u01b0 v\u1eady l\u00e0 qua video, b\u00e0i vi\u1ebft n\u00e0y, Thanh \u0111\u00e3 gi\u1edbi thi\u1ec7u v\u1edbi c\u00e1c b\u1ea1n m\u1ed9t \u1ee9ng d\u1ee5ng c\u1ee5 th\u1ec3 r\u1ea5t th\u00fa v\u1ecb c\u1ee7a m\u1ed9t h\u00e0m trong Excel, hi v\u1ecdng b\u1ea1n s\u1ebd c\u00f3 nhi\u1ec1u tr\u1ea3i nghi\u1ec7m vui v\u1ebb khi b\u00e0n lu\u1eadn v\u1ec1 ch\u1ee7 \u0111\u1ec1 n\u00e0y. \u0110\u1eebng qu\u00ean tham kh\u1ea3o c\u00e1c kh\u00f3a h\u1ecdc \u0111\u1ec3 n\u00e2ng cao ki\u1ebfn th\u1ee9c c\u00e1 nh\u00e2n c\u1ee7a m\u00ecnh nh\u00e9.<\/p>\n<\/div>\n<div class=\"uk-panel uk-margin uk-width-xlarge\">\n<p>Click \u0111\u0103ng k\u00fd h\u1ecdc t\u1ea1i:<\/p>\n<p><a href=\"http:\/\/blog.ezworkapp.com\/khoa-hoc\" target=\"_blank\" rel=\"noopener\">T\u1ea5t c\u1ea3 kho\u00e1 h\u1ecdc\u00a0<span>\ud83d\udcd6<\/span><\/a><\/p>\n<p><a href=\"http:\/\/blog.ezworkapp.com\/huong-dan-kich-hoat-khoa-hoc-tai-hoc-excel-online.html\" target=\"_blank\" rel=\"noopener\">H\u01b0\u1edbng d\u1eabn k\u00edch ho\u1ea1t<\/a><\/p>\n<p>HKD H\u1ecdc Excel Online<br \/>S\u1ed1 \u0110K: 17A80048102<\/p>\n<\/div>\n<div class=\"uk-panel uk-text-small uk-margin uk-margin-remove-bottom uk-text-center\">\n<p>\u00a9  document.currentScript.insertAdjacentHTML(&#8216;afterend&#8217;, &#8221; + new Intl.DateTimeFormat(document.documentElement.lang, {year: &#8216;numeric&#8217;}).format() + &#8221;);  H\u1ecdc Excel Online. All rights reserved.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<div class=\"ad-inserterpro\">\n<a href=\"https:\/\/hocexcel.online\/course\/preview\/ex101-excel-tu-co-ban-den-chuyen-gia-danh-cho-nguoi-di-lam\"><br \/>\n<img decoding=\"async\" src=\"http:\/\/blog.ezworkapp.com\/wp-content\/uploads\/2024\/12\/ex101_92019-nho-61.gif\"><br \/>\n<\/a>\n<\/div>\n","protected":false},"author":1,"featured_media":940,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-939","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-excel-co-ban"],"_links":{"self":[{"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/posts\/939","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/comments?post=939"}],"version-history":[{"count":0,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/posts\/939\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/media\/940"}],"wp:attachment":[{"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/media?parent=939"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/categories?post=939"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/tags?post=939"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}