{"id":151768,"date":"2023-08-07T16:43:07","date_gmt":"2023-08-07T09:43:07","guid":{"rendered":"https:\/\/www.aseansc.com.vn\/?p=151768"},"modified":"2023-08-07T16:43:07","modified_gmt":"2023-08-07T09:43:07","slug":"3-buoc-lap-ke-hoach-nghi-huu-som-hieu-qua","status":"publish","type":"post","link":"https:\/\/www.aseansc.com.vn\/en\/3-buoc-lap-ke-hoach-nghi-huu-som-hieu-qua\/","title":{"rendered":"3 b\u01b0\u1edbc l\u1eadp k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u s\u1edbm hi\u1ec7u qu\u1ea3"},"content":{"rendered":"<p><em><span style=\"font-weight: 400\">Thay v\u00ec ngh\u1ec9 h\u01b0u \u1edf tu\u1ed5i 60, nhi\u1ec1u ng\u01b0\u1eddi \u0111ang t\u00ecm c\u00e1ch \u0111\u1ea1t \u0111\u01b0\u1ee3c s\u1ef1 \u0111\u1ed9c l\u1eadp v\u1ec1 t\u00e0i ch\u00ednh \u1edf \u0111\u1ed9 tu\u1ed5i 40 ho\u1eb7c th\u1eadm ch\u00ed 30 v\u00e0 ngh\u1ec9 h\u01b0u s\u1edbm. D\u01b0\u1eddng nh\u01b0 \u0111\u00e2y l\u00e0 \u0111i\u1ec1u m\u00e0 r\u1ea5t kh\u00f3 c\u00f3 th\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c, nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf \u0111\u00e3 c\u00f3 kh\u00f4ng \u00edt ng\u01b0\u1eddi \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau n\u00e0y nh\u1edd chu\u1ea9n b\u1ecb k\u1ef9 c\u00e0ng t\u1eeb s\u1edbm.<\/span><\/em><\/p>\n<h2><span style=\"font-weight: 400\">Ngh\u1ec9 h\u01b0u s\u1edbm l\u00e0 g\u00ec?<\/span><\/h2>\n<p><span style=\"font-weight: 400\">Nhi\u1ec1u ng\u01b0\u1eddi x\u00e1c \u0111\u1ecbnh r\u1eb1ng h\u1ecd s\u1ebd ngh\u1ec9 h\u01b0u s\u1edbm \u1edf \u0111\u1ed9 tu\u1ed5i 40, 50 ho\u1eb7c th\u1eadm ch\u00ed s\u1edbm h\u01a1n. H\u1ecd mu\u1ed1n d\u00e0nh nhi\u1ec1u th\u1eddi gian h\u01a1n \u0111\u1ec3 \u0111i du l\u1ecbch, t\u00e2m s\u1ee9c cho nh\u1eefng d\u1ef1 \u00e1n b\u1ea3n th\u00e2n \u0111am m\u00ea ho\u1eb7c \u0111\u01a1n gi\u1ea3n l\u00e0 kh\u00f4ng l\u00e0m vi\u1ec7c n\u1eefa. \u0110i\u1ec1u n\u00e0y th\u01b0\u1eddng \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 phong tr\u00e0o FIRE, vi\u1ebft t\u1eaft c\u1ee7a \u0111\u1ed9c l\u1eadp t\u00e0i ch\u00ednh, ngh\u1ec9 h\u01b0u s\u1edbm (financial independence, retire early).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">V\u1ec1 c\u01a1 b\u1ea3n, ngh\u1ec9 h\u01b0u s\u1edbm kh\u00f4ng ch\u1ec9 l\u00e0 ngh\u1ec9 h\u01b0u tr\u01b0\u1edbc tu\u1ed5i m\u00e0 thu\u1eadt ng\u1eef n\u00e0y t\u1eadp trung ch\u1ee7 y\u1ebfu v\u00e0o s\u1ef1 \u0111\u1ed9c l\u1eadp, t\u1ef1 do trong t\u00e0i ch\u00ednh. Nh\u01b0 v\u1eady b\u1ea1n d\u1ec5 d\u00e0ng quy\u1ebft \u0111\u1ecbnh li\u1ec7u b\u1ea3n th\u00e2n c\u00f3 mu\u1ed1n ti\u1ebfp t\u1ee5c l\u00e0m vi\u1ec7c ti\u1ebfp hay kh\u00f4ng, l\u1ef1a ch\u1ecdn c\u00f4ng vi\u1ec7c nh\u01b0 th\u1ebf n\u00e0o, ng\u01b0\u1eddi m\u00e0 b\u1ea1n mu\u1ed1n l\u00e0m vi\u1ec7c c\u00f9ng m\u00e0 kh\u00f4ng b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi ti\u1ec1n b\u1ea1c.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">\u0110\u1ec3 c\u00f3 th\u1ec3 ngh\u1ec9 h\u01b0u s\u1edbm, b\u1ea1n c\u1ea7n chu\u1ea9n b\u1ecb r\u1ea5t k\u1ef9 c\u00e0ng tr\u00ean kh\u00eda c\u1ea1nh t\u00e0i ch\u00ednh, v\u00e0 kh\u00f4ng th\u1ec3 d\u1ef1a v\u00e0o b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i \u0111\u1ec3 chi tr\u1ea3 to\u00e0n b\u1ed9 chi ph\u00ed trong th\u1eddi gian h\u01b0u tr\u00ed. M\u1ee5c ti\u00eau c\u1ee7a nh\u1eefng ng\u01b0\u1eddi theo \u0111u\u1ed5i phong tr\u00e0o FIRE l\u00e0 ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0 m\u1ea1nh m\u1ebd, nhanh ch\u00f3ng \u0111\u1ea1t \u0111\u01b0\u1ee3c tr\u1ea1ng th\u00e1i \u0111\u1ed9c l\u1eadp v\u00e0 t\u1ef1 do t\u00e0i ch\u00ednh. T\u1ee9c l\u00e0 h\u1ecd ph\u1ea3i l\u00e0m vi\u1ec7c nghi\u00eam t\u00fac, gi\u1eef chi ph\u00ed s\u1ed1ng h\u00e0ng th\u00e1ng \u1edf m\u1ee9c ph\u00f9 h\u1ee3p, tr\u1ea3 h\u1ebft v\u00e0 kh\u00f4ng m\u1eafc n\u1ee3, \u0111\u1ed3ng th\u1eddi \u01b0u ti\u00ean ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-medium\" src=\"https:\/\/img.freepik.com\/free-photo\/portrait-beautiful-young-asian-women-happy-smile-relax-around-sea-beach-ocean_74190-9602.jpg?w=900&amp;t=st=1691400746~exp=1691401346~hmac=0a9a90f8e46bacafc7f3162f3c5405dd8d8d96e34904ca80caa768aa93357219\" width=\"900\" height=\"600\" \/><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400\">3 b\u01b0\u1edbc hi\u1ec7u qu\u1ea3 \u0111\u1ec3 ngh\u1ec9 h\u01b0u s\u1edbm th\u00e0nh c\u00f4ng<\/span><\/h2>\n<h3><span style=\"font-weight: 400\">B\u01b0\u1edbc 1: \u01af\u1edbc t\u00ednh chi ph\u00ed h\u01b0u tr\u00ed c\u1ee7a b\u1ea1n<\/span><\/h3>\n<p><span style=\"font-weight: 400\">\u0110\u1ec3 chu\u1ea9n b\u1ecb ngh\u1ec9 h\u01b0u s\u1edbm, b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean l\u00e0 \u01b0\u1edbc t\u00ednh s\u1ed1 ti\u1ec1n b\u1ea1n s\u1ebd ti\u00eau m\u1ed7i th\u00e1ng sau khi ngh\u1ec9 h\u01b0u. Li\u1ec7t k\u00ea c\u00e1c chi ph\u00ed cho nhu c\u1ea7u thi\u1ebft y\u1ebfu trong cu\u1ed9c s\u1ed1ng ch\u1eb3ng h\u1ea1n nh\u01b0 nh\u00e0 \u1edf, th\u1ef1c ph\u1ea9m, qu\u1ea7n \u00e1o, ph\u01b0\u01a1ng ti\u1ec7n \u0111i l\u1ea1i, b\u1ea3o hi\u1ec3m v\u00e0 ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe.<\/span><\/p>\n<p><span style=\"font-weight: 400\">L\u00fd t\u01b0\u1edfng nh\u1ea5t l\u00e0 b\u1ea1n s\u1ebd ngh\u1ec9 h\u01b0u m\u00e0 kh\u00f4ng m\u1eafc n\u1ee3. \u0110i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0 kh\u00f4ng c\u00f3 kho\u1ea3n vay tr\u1ea3 g\u00f3p, n\u1ee3 t\u00edn d\u1ee5ng, h\u00f3a \u0111\u01a1n y t\u1ebf ch\u01b0a thanh to\u00e1n ho\u1eb7c kho\u1ea3n n\u1ee3 kh\u00e1c. Tuy nhi\u00ean, n\u1ebfu b\u1ea1n v\u1eabn \u0111ang trong qu\u00e1 tr\u00ecnh tr\u1ea3 b\u1ea5t k\u1ef3 m\u00f3n n\u1ee3 n\u00e0o, h\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng c\u00e1c kho\u1ea3n thanh to\u00e1n \u0111\u00f3 \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o ng\u00e2n s\u00e1ch c\u1ee7a b\u1ea1n.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Ti\u1ebfp theo, h\u00e3y ghi ra c\u00e1c kho\u1ea3n chi ph\u00ed t\u00f9y \u00fd b\u1ea1n s\u1ebd c\u00f3 bao g\u1ed3m c\u1ea3 chi ph\u00ed gi\u1ea3i tr\u00ed, du l\u1ecbch v\u00e0 s\u1edf th\u00edch. C\u1ed9ng nh\u1eefng con s\u1ed1 n\u00e0y l\u1ea1i v\u1edbi nhau, x\u00e1c \u0111\u1ecbnh s\u1ed1 ti\u1ec1n b\u1ea1n c\u1ea7n m\u1ed7i th\u00e1ng \u0111\u1ec3 duy tr\u00ec l\u1ed1i s\u1ed1ng h\u01b0u tr\u00ed m\u00e0 b\u1ea1n \u0111ang h\u00ecnh dung.<\/span><\/p>\n<p><span style=\"font-weight: 400\">T\u1ea5t nhi\u00ean, h\u00e3y nh\u1edb r\u1eb1ng ng\u00e2n s\u00e1ch n\u00e0y s\u1ebd thay \u0111\u1ed5i khi b\u1ea1n \u0111\u1ebfn c\u00e1c giai \u0111o\u1ea1n ngh\u1ec9 h\u01b0u kh\u00e1c nhau, v\u00ed d\u1ee5 b\u1ea1n c\u00f3 th\u1ec3 quy\u1ebft \u0111\u1ecbnh h\u1ee7y h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u1ee7a m\u00ecnh. Ng\u00e2n s\u00e1ch s\u01a1 b\u1ed9 n\u00e0y s\u1ebd l\u00e0 m\u1ed9t \u0111i\u1ec3m kh\u1edfi \u0111\u1ea7u t\u1ed1t, v\u00ec v\u1eady b\u1ea1n n\u00ean d\u00e0nh th\u1eddi gian \u0111\u1ec3 l\u00e0m cho n\u00f3 ch\u00ednh x\u00e1c v\u00e0 th\u1ef1c t\u1ebf nh\u1ea5t c\u00f3 th\u1ec3.<\/span><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-medium\" src=\"https:\/\/img.freepik.com\/free-photo\/asian-woman-listening-music-red-sofa_53876-96234.jpg?w=900&amp;t=st=1691400931~exp=1691401531~hmac=de1cef076bd0450931bdd6d2b5700bce3077777b9b0ca3977f5847a982f4f72c\" width=\"900\" height=\"600\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400\">B\u01b0\u1edbc 2: T\u00ednh to\u00e1n s\u1ed1 ti\u1ec1n b\u1ea1n c\u1ea7n \u0111\u1ec3 ngh\u1ec9 h\u01b0u s\u1edbm<\/span><\/h3>\n<p><span style=\"font-weight: 400\">B\u00e2y gi\u1edd b\u1ea1n \u0111\u00e3 c\u00f3 \u01b0\u1edbc t\u00ednh cho chi ti\u00eau h\u00e0ng th\u00e1ng c\u1ee7a m\u00ecnh, b\u01b0\u1edbc ti\u1ebfp theo l\u00e0 t\u00ednh to\u00e1n s\u1ed1 ti\u1ec1n b\u1ea1n c\u1ea7n ti\u1ebft ki\u1ec7m. C\u00f3 m\u1ed9t s\u1ed1 c\u00e1ch \u0111\u1ec3 \u01b0\u1edbc t\u00ednh kho\u1ea3n ti\u1ec1n n\u00e0y.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">M\u1ed9t trong nh\u1eefng c\u00f4ng th\u1ee9c \u0111\u01a1n gi\u1ea3n nh\u1ea5t l\u00e0 c\u00f3 t\u1eeb 25 \u0111\u1ebfn 30 l\u1ea7n chi ph\u00ed h\u00e0ng n\u0103m d\u1ef1 ki\u1ebfn \u200b\u200b\u200b\u200btrong th\u1eddi gian h\u01b0u tr\u00ed c\u1ed9ng v\u1edbi ti\u1ec1n m\u1eb7t \u0111\u1ec3 trang tr\u1ea3i chi ph\u00ed trong m\u1ed9t n\u0103m. B\u1eaft \u0111\u1ea7u v\u1edbi chi ph\u00ed h\u00e0ng th\u00e1ng c\u1ee7a b\u1ea1n v\u00e0 nh\u00e2n v\u1edbi 12 \u0111\u1ec3 c\u00f3 \u01b0\u1edbc t\u00ednh con s\u1ed1 h\u00e0ng n\u0103m. Gi\u1ea3 s\u1eed chi ph\u00ed h\u00e0ng th\u00e1ng c\u1ee7a b\u1ea1n s\u1ebd l\u00e0 10 tri\u1ec7u \u0111\u1ed3ng, t\u1ee9c b\u1ea1n c\u1ea7n 120 tri\u1ec7u \u0111\u1ec3 trang tr\u1ea3i trong 1 n\u0103m. S\u1eed d\u1ee5ng ph\u01b0\u01a1ng ph\u00e1p n\u00e0y, b\u1ea1n s\u1ebd c\u1ea7n t\u1eeb 3 &#8211; 3,6 t\u1ef7 \u0111\u1ed3ng \u0111\u1ec3 ngh\u1ec9 h\u01b0u c\u1ed9ng v\u1edbi 120 tri\u1ec7u \u0111\u1ed3ng ti\u1ec1n m\u1eb7t.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">M\u1ed9t c\u00e1ch ti\u1ebfp c\u1eadn kh\u00e1c l\u00e0 l\u1ea5y chi ph\u00ed h\u00e0ng n\u0103m \u01b0\u1edbc t\u00ednh c\u1ee7a b\u1ea1n v\u00e0 chia ch\u00fang cho 4% \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c s\u1ed1 ti\u1ec1n ngh\u1ec9 h\u01b0u s\u1edbm. N\u1ebfu b\u1ea1n d\u1ef1 t\u00ednh chi 120 tri\u1ec7u \u0111\u1ed3ng m\u1ed7i n\u0103m, b\u1ea1n s\u1ebd c\u1ea7n 3 t\u1ef7 \u0111\u1ed3ng (120 tri\u1ec7u \u0111\u1ed3ng\u00f7 0,04).<\/span><\/p>\n<p><span style=\"font-weight: 400\">N\u1ebfu b\u1ea1n mu\u1ed1n c\u00f3 th\u00eam kho\u1ea3ng tr\u1ed1ng khi ngh\u1ec9 h\u01b0u, h\u00e3y th\u1eed chia cho 3% (ho\u1eb7c kho\u1ea3ng t\u1eeb 3% \u0111\u1ebfn 4%). V\u1edbi c\u00f9ng ng\u00e2n s\u00e1ch 120 tri\u1ec7u \u0111\u1ed3ng m\u1ed7i n\u0103m, b\u1ea1n s\u1ebd c\u1ea7n 4 t\u1ef7 \u0111\u1ed3ng (120 tri\u1ec7u \u0111\u1ed3ng \u00f7 0,03).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">\u0110\u1ec3 xem b\u1ea1n \u0111ang \u1edf giai \u0111o\u1ea1n n\u00e0o trong qu\u00e1 tr\u00ecnh th\u1ef1c hi\u1ec7n m\u1ee5c ti\u00eau ngh\u1ec9 h\u01b0u s\u1edbm, h\u00e3y l\u1ea5y con s\u1ed1 m\u1ee5c ti\u00eau tr\u1eeb \u0111i kho\u1ea3n ti\u1ec1n t\u00edch l\u0169y hi\u1ec7n t\u1ea1i c\u1ee7a b\u1ea1n. V\u00ed d\u1ee5, n\u1ebfu b\u1ea1n c\u1ea7n 3 t\u1ef7 \u0111\u1ed3ng v\u00e0 b\u1ea1n \u0111\u00e3 c\u00f3 500 tri\u1ec7u \u0111\u1ed3ng, b\u1ea1n ph\u1ea3i ti\u1ebft ki\u1ec7m th\u00eam 2,5 t\u1ef7 \u0111\u1ed3ng \u0111\u1ec3 ngh\u1ec9 h\u01b0u s\u1edbm.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-medium\" src=\"https:\/\/img.freepik.com\/free-photo\/portrait-young-asian-woman-sit-sofa-chair-read-book-with-coffee-cup_74190-9839.jpg?w=900&amp;t=st=1691400939~exp=1691401539~hmac=dedfb7e338ad7dd1a00e9664e49c82b5c5214d22254ba95ed03283f5fff09fae\" width=\"900\" height=\"600\" \/><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400\">B\u01b0\u1edbc 3: Nghi\u00eam t\u00fac thay \u0111\u1ed5i l\u1ed1i s\u1ed1ng \u0111\u1ec3 ngh\u1ec9 h\u01b0u s\u1edbm<\/span><\/h3>\n<p><span style=\"font-weight: 400\">C\u00e2u h\u1ecfi b\u1ea1n c\u1ea7n t\u1ef1 \u0111\u1eb7t ra cho b\u1ea3n th\u00e2n l\u00e0:\u00a0 <\/span><i><span style=\"font-weight: 400\">T\u00f4i s\u1eb5n s\u00e0ng l\u00e0m vi\u1ec7c ch\u0103m ch\u1ec9 \u0111\u1ebfn m\u1ee9c n\u00e0o \u0111\u1ec3 c\u00f3 th\u1ec3 ngh\u1ec9 h\u01b0u s\u1edbm? <\/span><\/i><span style=\"font-weight: 400\">Th\u00e0nh th\u1eadt m\u00e0 n\u00f3i, \u0111\u00e2y l\u00e0 giai \u0111o\u1ea1n h\u1ea7u h\u1ebft m\u1ecdi ng\u01b0\u1eddi \u0111\u1ec1u g\u1eb7p kh\u00f3 kh\u0103n v\u00e0 th\u1eed th\u00e1ch. H\u00e3y nh\u1edb r\u1eb1ng, t\u1ea5t c\u1ea3 m\u1ecdi m\u1ee5c ti\u00eau \u0111\u1ec1u ph\u1ea3i \u0111\u00e1nh \u0111\u1ed5i. M\u1ed3 h\u00f4i, th\u1eddi gian v\u00e0 s\u1ef1 hy sinh l\u00e0 c\u00e1i gi\u00e1 b\u1ea1n ph\u1ea3i tr\u1ea3 \u0111\u1ec3 ngh\u1ec9 h\u01b0u s\u1edbm.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Ch\u1eb3ng h\u1ea1n, n\u1ebfu th\u00f4ng th\u01b0\u1eddng m\u1ed9t chuy\u1ebfn du l\u1ecbch v\u00e0o k\u1ef3 ngh\u1ec9 c\u1ee7a b\u1ea1n ti\u00eau t\u1ed1n 20 tri\u1ec7u \u0111\u1ed3ng, b\u1ea1n c\u00f3 th\u1ec3 s\u1ebd ph\u1ea3i c\u1eaft gi\u1ea3m 1 n\u1eeda s\u1ed1 ti\u1ec1n \u0111\u00f3 v\u00e0 \u0111\u1ea7u t\u01b0 10 tri\u1ec7u \u0111\u1ed3ng c\u00f2n l\u1ea1i \u0111\u1ec3 th\u1ef1c hi\u1ec7n m\u1ee5c ti\u00eau ngh\u1ec9 h\u01b0u s\u1edbm. Hay b\u1ea1n s\u1ebd c\u1eaft gi\u1ea3m ng\u00e2n s\u00e1ch t\u1ea1p h\u00f3a c\u1ee7a m\u00ecnh 1 tri\u1ec7u\/th\u00e1ng \u0111\u1ec3 c\u00f3 th\u00eam 12 tri\u1ec7u \u0111\u1ed3ng m\u1ed7i n\u0103m cho \u0111\u1ea7u t\u01b0.<\/span><\/p>\n<p><span style=\"font-weight: 400\">B\u00ean c\u1ea1nh \u0111\u00f3, h\u00e3y \u0111\u00e1nh gi\u00e1 <\/span><span style=\"font-weight: 400\">m\u1ee9c \u0111\u1ed9 ch\u1ea5p nh\u1eadn r\u1ee7i ro so v\u1edbi m\u1ee5c ti\u00eau \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n. Vi\u1ec7c ph\u00e2n b\u1ed5 danh m\u1ee5c \u0111\u1ea7u t\u01b0 h\u1ee3p l\u00fd gi\u00fap c\u00e2n b\u1eb1ng gi\u1eefa m\u1ed1i lo ng\u1ea1i v\u1ec1 r\u1ee7i ro v\u00e0 m\u1ee5c ti\u00eau l\u1ee3i nhu\u1eadn \u0111\u01b0\u1ee3c cho l\u00e0 b\u01b0\u1edbc quan tr\u1ecdng nh\u1ea5t trong k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u. B\u1edfi v\u00ec kh\u00f3 \u0111\u1ec3 c\u00f3 th\u1ec3 ch\u1ec9 ki\u1ebfm ti\u1ec1n r\u1ed3i ti\u1ebft ki\u1ec7m v\u00e0 ngh\u1ec9 h\u01b0u s\u1edbm, h\u1ea7u h\u1ebft m\u1ecdi ng\u01b0\u1eddi c\u1ea7n c\u00f3 kho\u1ea3n \u0111\u1ea7u t\u01b0 \u201cti\u1ec1n \u0111\u1ebb ra ti\u1ec1n\u201d. \u0110\u00e2y c\u0169ng l\u00e0 c\u00e1ch ph\u00f9 h\u1ee3p \u0111\u1ec3 gi\u00fap c\u00f3 m\u1ed9t kho\u1ea3n thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng v\u1eefng v\u00e0ng ngay c\u1ea3 khi ngh\u1ec9 h\u01b0u. Tuy nhi\u00ean, b\u1ea1n c\u1ea7n \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea3n th\u00e2n c\u1ea3m th\u1ea5y tho\u1ea3i m\u00e1i v\u1edbi nh\u1eefng r\u1ee7i ro c\u00f3 th\u1ec3 x\u1ea3y ra trong danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a m\u00ecnh v\u00e0 bi\u1ebft \u0111i\u1ec1u g\u00ec l\u00e0 c\u1ea7n thi\u1ebft v\u00e0 \u0111i\u1ec1u g\u00ec l\u00e0 qu\u00e1 xa x\u1ec9.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Thay v\u00ec ngh\u1ec9 h\u01b0u \u1edf tu\u1ed5i 60, nhi\u1ec1u ng\u01b0\u1eddi \u0111ang t\u00ecm c\u00e1ch \u0111\u1ea1t \u0111\u01b0\u1ee3c s\u1ef1 \u0111\u1ed9c l\u1eadp v\u1ec1 t\u00e0i ch\u00ednh \u1edf \u0111\u1ed9 tu\u1ed5i 40 ho\u1eb7c th\u1eadm ch\u00ed 30 v\u00e0 ngh\u1ec9 h\u01b0u s\u1edbm. D\u01b0\u1eddng nh\u01b0 \u0111\u00e2y l\u00e0 \u0111i\u1ec1u m\u00e0 r\u1ea5t kh\u00f3 c\u00f3 th\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c, nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf \u0111\u00e3 c\u00f3 kh\u00f4ng \u00edt ng\u01b0\u1eddi \u0111\u1ea1t \u0111\u01b0\u1ee3c [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":151774,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_links_to":"","_links_to_target":""},"categories":[37,14],"tags":[47,52],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.12 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>3 b\u01b0\u1edbc l\u1eadp k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u s\u1edbm hi\u1ec7u qu\u1ea3 - We are digital<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.aseansc.com.vn\/en\/3-buoc-lap-ke-hoach-nghi-huu-som-hieu-qua\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"3 b\u01b0\u1edbc l\u1eadp k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u s\u1edbm hi\u1ec7u qu\u1ea3 - We are digital\" \/>\r\n<meta property=\"og:description\" content=\"Thay v\u00ec ngh\u1ec9 h\u01b0u \u1edf tu\u1ed5i 60, nhi\u1ec1u ng\u01b0\u1eddi \u0111ang t\u00ecm c\u00e1ch \u0111\u1ea1t \u0111\u01b0\u1ee3c s\u1ef1 \u0111\u1ed9c l\u1eadp v\u1ec1 t\u00e0i ch\u00ednh \u1edf \u0111\u1ed9 tu\u1ed5i 40 ho\u1eb7c th\u1eadm ch\u00ed 30 v\u00e0 ngh\u1ec9 h\u01b0u s\u1edbm. D\u01b0\u1eddng nh\u01b0 \u0111\u00e2y l\u00e0 \u0111i\u1ec1u m\u00e0 r\u1ea5t kh\u00f3 c\u00f3 th\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c, nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf \u0111\u00e3 c\u00f3 kh\u00f4ng \u00edt ng\u01b0\u1eddi \u0111\u1ea1t \u0111\u01b0\u1ee3c [&hellip;]\" \/>\r\n<meta property=\"og:url\" content=\"https:\/\/www.aseansc.com.vn\/en\/3-buoc-lap-ke-hoach-nghi-huu-som-hieu-qua\/\" \/>\r\n<meta property=\"og:site_name\" content=\"We are digital\" \/>\r\n<meta property=\"article:published_time\" content=\"2023-08-07T09:43:07+00:00\" \/>\r\n<meta property=\"og:image\" content=\"https:\/\/www.aseansc.com.vn\/en\/wp-content\/uploads\/sites\/3\/2023\/08\/Nghi-huu-som-1-scaled-1.jpg\" \/>\r\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\r\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\r\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\r\n<meta name=\"author\" content=\"Pham Truong Hien Thuc\" \/>\r\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\r\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Pham Truong Hien Thuc\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\r\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.aseansc.com.vn\/en\/3-buoc-lap-ke-hoach-nghi-huu-som-hieu-qua\/\",\"url\":\"https:\/\/www.aseansc.com.vn\/en\/3-buoc-lap-ke-hoach-nghi-huu-som-hieu-qua\/\",\"name\":\"3 b\u01b0\u1edbc l\u1eadp k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u s\u1edbm hi\u1ec7u qu\u1ea3 - We are digital\",\"isPartOf\":{\"@id\":\"https:\/\/www.aseansc.com.vn\/en\/#website\"},\"datePublished\":\"2023-08-07T09:43:07+00:00\",\"dateModified\":\"2023-08-07T09:43:07+00:00\",\"author\":{\"@id\":\"https:\/\/www.aseansc.com.vn\/en\/#\/schema\/person\/70d88ab2f13aebbd4e8ac14a2f649a1c\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.aseansc.com.vn\/en\/3-buoc-lap-ke-hoach-nghi-huu-som-hieu-qua\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.aseansc.com.vn\/en\/3-buoc-lap-ke-hoach-nghi-huu-som-hieu-qua\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.aseansc.com.vn\/en\/3-buoc-lap-ke-hoach-nghi-huu-som-hieu-qua\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.aseansc.com.vn\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"3 b\u01b0\u1edbc l\u1eadp k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u s\u1edbm hi\u1ec7u qu\u1ea3\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.aseansc.com.vn\/en\/#website\",\"url\":\"https:\/\/www.aseansc.com.vn\/en\/\",\"name\":\"We are digital\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.aseansc.com.vn\/en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.aseansc.com.vn\/en\/#\/schema\/person\/70d88ab2f13aebbd4e8ac14a2f649a1c\",\"name\":\"Pham Truong Hien Thuc\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.aseansc.com.vn\/en\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/0a084a866e6446574af9eb0b343a6b13?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/0a084a866e6446574af9eb0b343a6b13?s=96&d=mm&r=g\",\"caption\":\"Pham Truong Hien Thuc\"},\"url\":\"https:\/\/www.aseansc.com.vn\/en\/author\/mkt-hienthuc\/\"}]}<\/script>\r\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"3 b\u01b0\u1edbc l\u1eadp k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u s\u1edbm hi\u1ec7u qu\u1ea3 - We are digital","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.aseansc.com.vn\/en\/3-buoc-lap-ke-hoach-nghi-huu-som-hieu-qua\/","og_locale":"en_US","og_type":"article","og_title":"3 b\u01b0\u1edbc l\u1eadp k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u s\u1edbm hi\u1ec7u qu\u1ea3 - We are digital","og_description":"Thay v\u00ec ngh\u1ec9 h\u01b0u \u1edf tu\u1ed5i 60, nhi\u1ec1u ng\u01b0\u1eddi \u0111ang t\u00ecm c\u00e1ch \u0111\u1ea1t \u0111\u01b0\u1ee3c s\u1ef1 \u0111\u1ed9c l\u1eadp v\u1ec1 t\u00e0i ch\u00ednh \u1edf \u0111\u1ed9 tu\u1ed5i 40 ho\u1eb7c th\u1eadm ch\u00ed 30 v\u00e0 ngh\u1ec9 h\u01b0u s\u1edbm. 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