{"id":315440,"date":"2025-07-19T10:59:53","date_gmt":"2025-07-19T10:59:53","guid":{"rendered":"https:\/\/pocketoption.com\/blog\/news-events\/data\/insurance-stocks-2\/"},"modified":"2025-07-19T10:59:53","modified_gmt":"2025-07-19T10:59:53","slug":"insurance-stocks","status":"publish","type":"post","link":"https:\/\/pocketoption.com\/blog\/vt\/knowledge-base\/markets\/insurance-stocks\/","title":{"rendered":"C\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m: Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 hi\u1ec7u qu\u1ea3 cho th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam 2024"},"content":{"rendered":"<div id=\"root\"><div id=\"wrap-img-root\"><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":5,"featured_media":178155,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[21],"tags":[],"class_list":["post-315440","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-markets"],"acf":{"h1":"Pocket Option: C\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 th\u00f4ng minh","h1_source":{"label":"H1","type":"text","formatted_value":"Pocket Option: C\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 th\u00f4ng minh"},"description":"C\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m - Ph\u00e2n t\u00edch chuy\u00ean s\u00e2u v\u00e0 chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 th\u1ef1c ti\u1ec5n cho nh\u00e0 \u0111\u1ea7u t\u01b0 Vi\u1ec7t Nam 2024. T\u1ed1i \u01b0u h\u00f3a danh m\u1ee5c \u0111\u1ea7u t\u01b0 v\u1edbi c\u00e1c c\u00f4ng c\u1ee5 hi\u1ec7n \u0111\u1ea1i t\u1eeb Pocket Option","description_source":{"label":"Description","type":"textarea","formatted_value":"C\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m - Ph\u00e2n t\u00edch chuy\u00ean s\u00e2u v\u00e0 chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 th\u1ef1c ti\u1ec5n cho nh\u00e0 \u0111\u1ea7u t\u01b0 Vi\u1ec7t Nam 2024. T\u1ed1i \u01b0u h\u00f3a danh m\u1ee5c \u0111\u1ea7u t\u01b0 v\u1edbi c\u00e1c c\u00f4ng c\u1ee5 hi\u1ec7n \u0111\u1ea1i t\u1eeb Pocket Option"},"intro":"Th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam \u0111ang tr\u1ea3i qua giai \u0111o\u1ea1n chuy\u1ec3n \u0111\u1ed5i v\u1edbi ROE trung b\u00ecnh ng\u00e0nh l\u00e0 11,5% v\u00e0o n\u0103m 2023. B\u00e0i vi\u1ebft n\u00e0y cung c\u1ea5p ph\u00e2n t\u00edch chi ti\u1ebft v\u1ec1 5 c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m h\u00e0ng \u0111\u1ea7u, c\u00e1c ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh quan tr\u1ecdng v\u00e0 c\u00e1c chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 c\u1ee5 th\u1ec3 \u0111\u1ec3 gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1ed1i \u01b0u h\u00f3a l\u1ee3i nhu\u1eadn trong m\u00f4i tr\u01b0\u1eddng l\u00e3i su\u1ea5t v\u00e0 th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n hi\u1ec7n t\u1ea1i.","intro_source":{"label":"Intro","type":"text","formatted_value":"Th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam \u0111ang tr\u1ea3i qua giai \u0111o\u1ea1n chuy\u1ec3n \u0111\u1ed5i v\u1edbi ROE trung b\u00ecnh ng\u00e0nh l\u00e0 11,5% v\u00e0o n\u0103m 2023. B\u00e0i vi\u1ebft n\u00e0y cung c\u1ea5p ph\u00e2n t\u00edch chi ti\u1ebft v\u1ec1 5 c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m h\u00e0ng \u0111\u1ea7u, c\u00e1c ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh quan tr\u1ecdng v\u00e0 c\u00e1c chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 c\u1ee5 th\u1ec3 \u0111\u1ec3 gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1ed1i \u01b0u h\u00f3a l\u1ee3i nhu\u1eadn trong m\u00f4i tr\u01b0\u1eddng l\u00e3i su\u1ea5t v\u00e0 th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n hi\u1ec7n t\u1ea1i."},"body_html":"<div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>T\u1ed5ng quan v\u1ec1 Th\u1ecb tr\u01b0\u1eddng C\u1ed5 phi\u1ebfu B\u1ea3o hi\u1ec3m t\u1ea1i Vi\u1ec7t Nam<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Th\u1ecb tr\u01b0\u1eddng c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam \u0111\u00e3 tr\u1ea3i qua s\u1ef1 t\u0103ng tr\u01b0\u1edfng \u1ea5n t\u01b0\u1ee3ng 17,1% trong n\u0103m 2023 v\u1edbi t\u1ed5ng doanh thu ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u1ea1t 217.300 t\u1ef7 VND (theo Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m Vi\u1ec7t Nam). \u0110\u00e2y l\u00e0 n\u0103m th\u1ee9 5 li\u00ean ti\u1ebfp ng\u00e0nh duy tr\u00ec t\u0103ng tr\u01b0\u1edfng hai con s\u1ed1, v\u01b0\u1ee3t xa m\u1ee9c t\u0103ng tr\u01b0\u1edfng chung c\u1ee7a n\u1ec1n kinh t\u1ebf.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m \u0111\u00e3 thu h\u00fat nh\u00e0 \u0111\u1ea7u t\u01b0 kh\u00f4ng ch\u1ec9 v\u00ec ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1 m\u00e0 c\u00f2n v\u00ec l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c h\u1ea5p d\u1eabn trung b\u00ecnh 5-7% - cao h\u01a1n 2-3% so v\u1edbi l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m hi\u1ec7n t\u1ea1i. V\u1edbi l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m gi\u1ea3m xu\u1ed1ng 3-4% v\u00e0o \u0111\u1ea7u n\u0103m 2024, vi\u1ec7c n\u1eafm gi\u1eef c\u1ed5 phi\u1ebfu c\u00f3 l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c cao nh\u01b0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 tr\u1edf th\u00e0nh chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c nhi\u1ec1u nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n v\u00e0 t\u1ed5 ch\u1ee9c \u01b0a chu\u1ed9ng.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Hi\u1ec7n t\u1ea1i, Vi\u1ec7t Nam c\u00f3 10 c\u00f4ng ty b\u1ea3o hi\u1ec3m ni\u00eam y\u1ebft, chi\u1ebfm 59% th\u1ecb ph\u1ea7n c\u1ee7a ng\u00e0nh, v\u1edbi 5 c\u00f4ng ty l\u1edbn nh\u1ea5t l\u00e0 B\u1ea3o Vi\u1ec7t (BVH - 20,1% th\u1ecb ph\u1ea7n), PVI Holdings (PVI - 15,8%), B\u1ea3o Minh (BMI - 8,7%), PJICO (PGI - 7,5%) v\u00e0 B\u1ea3o hi\u1ec3m B\u01b0u \u0111i\u1ec7n (PTI - 6,9%). M\u1ed7i c\u00f4ng ty c\u00f3 v\u1ecb tr\u00ed ri\u00eang bi\u1ec7t: BVH m\u1ea1nh v\u1ec1 m\u1ea1ng l\u01b0\u1edbi v\u00e0 th\u01b0\u01a1ng hi\u1ec7u, PVI n\u1ed5i b\u1eadt trong b\u1ea3o hi\u1ec3m d\u1ea7u kh\u00ed v\u00e0 h\u00e0ng h\u1ea3i, BMI c\u00f3 th\u1ebf m\u1ea1nh trong b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi, trong khi PTI ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng th\u00f4ng qua chi\u1ebfn l\u01b0\u1ee3c s\u1ed1 h\u00f3a m\u1ea1nh m\u1ebd.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>C\u00e1c y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn gi\u00e1 c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Khi ph\u00e2n t\u00edch c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m, nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ea7n hi\u1ec3u r\u00f5 c\u00e1c y\u1ebfu t\u1ed1 c\u1ee5 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn bi\u1ebfn \u0111\u1ed9ng gi\u00e1. N\u1ec1n t\u1ea3ng Pocket Option cung c\u1ea5p c\u00f4ng c\u1ee5 \"Ph\u00e2n t\u00edch \u0111a y\u1ebfu t\u1ed1\" gi\u00fap b\u1ea1n theo d\u00f5i 5 y\u1ebfu t\u1ed1 quan tr\u1ecdng theo th\u1eddi gian th\u1ef1c.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Y\u1ebfu t\u1ed1<\/th><th>T\u00e1c \u0111\u1ed9ng<\/th><th>M\u1ee9c \u0111\u1ed9 t\u00e1c \u0111\u1ed9ng<\/th><th>D\u1eef li\u1ec7u th\u1ef1c t\u1ebf 2023-2024<\/th><\/tr><\/thead><tbody><tr><td>L\u00e3i su\u1ea5t<\/td><td>M\u1ed7i 1% t\u0103ng l\u00e3i su\u1ea5t c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n l\u1ee3i nhu\u1eadn \u0111\u1ea7u t\u01b0 c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u00ean \u0111\u1ebfn 8-12%<\/td><td>Cao<\/td><td>L\u00e3i su\u1ea5t gi\u1ea3m t\u1eeb 6,5% xu\u1ed1ng 4,5% trong 2023-2024, g\u00e2y \u00e1p l\u1ef1c l\u00ean l\u1ee3i nhu\u1eadn \u0111\u1ea7u t\u01b0<\/td><\/tr><tr><td>T\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp b\u1ea3o hi\u1ec3m<\/td><td>M\u1ed7i 1% t\u0103ng t\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp c\u00f3 th\u1ec3 t\u1ea1o ra t\u0103ng tr\u01b0\u1edfng doanh thu 5-7%<\/td><td>Cao<\/td><td>T\u1ef7 l\u1ec7 hi\u1ec7n t\u1ea1i l\u00e0 3% GDP, t\u0103ng t\u1eeb 2,3% n\u0103m 2019<\/td><\/tr><tr><td>Ch\u00ednh s\u00e1ch qu\u1ea3n l\u00fd r\u1ee7i ro<\/td><td>\u1ea2nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn t\u1ef7 l\u1ec7 b\u1ed3i th\u01b0\u1eddng v\u00e0 bi\u00ean l\u1ee3i nhu\u1eadn ho\u1ea1t \u0111\u1ed9ng<\/td><td>Trung b\u00ecnh<\/td><td>T\u1ef7 l\u1ec7 b\u1ed3i th\u01b0\u1eddng trung b\u00ecnh ng\u00e0nh gi\u1ea3m t\u1eeb 35,7% xu\u1ed1ng 32,4% trong 2023<\/td><\/tr><tr><td>Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0<\/td><td>Quy\u1ebft \u0111\u1ecbnh hi\u1ec7u qu\u1ea3 \u0111\u1ea7u t\u01b0 t\u1eeb ph\u00ed b\u1ea3o hi\u1ec3m, \u0111\u00f3ng g\u00f3p 30-40% l\u1ee3i nhu\u1eadn<\/td><td>Cao<\/td><td>L\u1ee3i nhu\u1eadn \u0111\u1ea7u t\u01b0 trung b\u00ecnh gi\u1ea3m 2,7% trong 2023 do bi\u1ebfn \u0111\u1ed9ng th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n<\/td><\/tr><tr><td>Thay \u0111\u1ed5i quy \u0111\u1ecbnh<\/td><td>T\u1ea1o ra c\u1ea3 c\u01a1 h\u1ed9i v\u00e0 th\u00e1ch th\u1ee9c<\/td><td>Trung b\u00ecnh<\/td><td>Th\u00f4ng t\u01b0 120\/2023\/TT-BTC c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 1\/7\/2024 y\u00eau c\u1ea7u t\u0103ng 30% v\u1ed1n t\u1ed1i thi\u1ec3u<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Bi\u1ebfn \u0111\u1ed9ng l\u00e3i su\u1ea5t l\u00e0 y\u1ebfu t\u1ed1 then ch\u1ed1t \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam khi 70-85% danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a h\u1ecd l\u00e0 tr\u00e1i phi\u1ebfu v\u00e0 ti\u1ec1n g\u1eedi. Theo nghi\u00ean c\u1ee9u c\u1ee7a VNDIRECT (2023), m\u1ed7i 1% t\u0103ng l\u00e3i su\u1ea5t tr\u00e1i phi\u1ebfu ch\u00ednh ph\u1ee7 c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n thu nh\u1eadp \u0111\u1ea7u t\u01b0 c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u00ean \u0111\u1ebfn 8-12%. T\u00ednh \u0111\u1ebfn qu\u00fd 1\/2024, l\u00e3i su\u1ea5t tr\u00e1i phi\u1ebfu ch\u00ednh ph\u1ee7 k\u1ef3 h\u1ea1n 10 n\u0103m \u0111\u00e3 gi\u1ea3m xu\u1ed1ng kho\u1ea3ng 3,2%, g\u00e2y \u00e1p l\u1ef1c l\u00ean l\u1ee3i nhu\u1eadn ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>T\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp b\u1ea3o hi\u1ec3m t\u1ea1i Vi\u1ec7t Nam \u0111\u1ea1t 3% GDP v\u00e0o cu\u1ed1i n\u0103m 2023, m\u1eb7c d\u00f9 \u0111\u00e3 t\u0103ng t\u1eeb 2,3% n\u0103m 2019 nh\u01b0ng v\u1eabn th\u1ea5p so v\u1edbi m\u1ee9c trung b\u00ecnh 8-10% \u1edf c\u00e1c n\u01b0\u1edbc ph\u00e1t tri\u1ec3n v\u00e0 5-6% \u1edf c\u00e1c n\u1ec1n kinh t\u1ebf m\u1edbi n\u1ed5i trong khu v\u1ef1c nh\u01b0 Th\u00e1i Lan v\u00e0 Malaysia. D\u1eef li\u1ec7u t\u1eeb C\u1ee5c Qu\u1ea3n l\u00fd Gi\u00e1m s\u00e1t B\u1ea3o hi\u1ec3m cho th\u1ea5y t\u1ef7 l\u1ec7 t\u0103ng tr\u01b0\u1edfng trung b\u00ecnh c\u1ee7a th\u00e2m nh\u1eadp trong 5 n\u0103m qua l\u00e0 0,14% m\u1ed7i n\u0103m, d\u1ef1 ki\u1ebfn \u0111\u1ea1t 3,8-4% v\u00e0o n\u0103m 2030.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>Ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt cho c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt c\u1ee7a c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m \u0111\u00f2i h\u1ecfi s\u1ef1 hi\u1ec3u bi\u1ebft v\u1ec1 c\u00e1c m\u00f4 h\u00ecnh gi\u00e1 v\u00e0 ch\u1ec9 b\u00e1o ph\u00f9 h\u1ee3p v\u1edbi \u0111\u1eb7c \u0111i\u1ec3m giao d\u1ecbch c\u1ee7a ng\u00e0nh. D\u1eef li\u1ec7u t\u1eeb 2019-2024 cho th\u1ea5y c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m th\u01b0\u1eddng c\u00f3 \u0111\u1ed9 bi\u1ebfn \u0111\u1ed9ng th\u1ea5p h\u01a1n 15-20% (Beta) so v\u1edbi VN-Index, nh\u01b0ng ph\u1ea3n \u1ee9ng m\u1ea1nh h\u01a1n v\u1edbi th\u00f4ng tin kinh t\u1ebf v\u0129 m\u00f4 li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>N\u1ec1n t\u1ea3ng Pocket Option cung c\u1ea5p b\u1ed9 c\u00f4ng c\u1ee5 \"Ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt n\u00e2ng cao\" v\u1edbi 15 ch\u1ec9 b\u00e1o \u0111\u01b0\u1ee3c t\u1ed1i \u01b0u h\u00f3a cho c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m. M\u1ed9t v\u00ed d\u1ee5 c\u1ee5 th\u1ec3 v\u1edbi c\u1ed5 phi\u1ebfu BVH trong qu\u00fd 1\/2024: RSI dao \u0111\u1ed9ng quanh m\u1ee9c 40-45, th\u1ea5p h\u01a1n ng\u01b0\u1ee1ng trung b\u00ecnh 50 nh\u01b0ng ch\u01b0a v\u00e0o v\u00f9ng qu\u00e1 b\u00e1n; \u0111\u01b0\u1eddng MACD \u0111ang h\u00ecnh th\u00e0nh t\u00edn hi\u1ec7u c\u1eaft l\u00ean tr\u00ean \u0111\u01b0\u1eddng t\u00edn hi\u1ec7u; trong khi d\u1ea3i Bollinger cho th\u1ea5y \u0111\u1ed9 h\u1eb9p tr\u01b0\u1edbc khi c\u00f3 kh\u1ea3 n\u0103ng b\u00f9ng n\u1ed5 bi\u1ebfn \u0111\u1ed9ng.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Ch\u1ec9 b\u00e1o k\u1ef9 thu\u1eadt<\/th><th>\u1ee8ng d\u1ee5ng cho c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m<\/th><th>Gi\u00e1 tr\u1ecb tham chi\u1ebfu (BVH, 03\/2024)<\/th><\/tr><\/thead><tbody><tr><td>RSI (Ch\u1ec9 s\u1ed1 s\u1ee9c m\u1ea1nh t\u01b0\u01a1ng \u0111\u1ed1i)<\/td><td>X\u00e1c \u0111\u1ecbnh \u0111i\u1ec1u ki\u1ec7n qu\u00e1 mua (&gt;70) ho\u1eb7c qu\u00e1 b\u00e1n (&lt;30)<\/td><td>42,5 (v\u00f9ng trung l\u1eadp, xu h\u01b0\u1edbng gi\u1ea3m ch\u1eadm)<\/td><\/tr><tr><td>\u0110\u01b0\u1eddng MACD<\/td><td>X\u00e1c \u0111\u1ecbnh xu h\u01b0\u1edbng v\u00e0 \u0111i\u1ec3m \u0111\u1ea3o chi\u1ec1u<\/td><td>-0,24 (h\u00ecnh th\u00e0nh t\u00edn hi\u1ec7u \u0111\u1ea3o chi\u1ec1u)<\/td><\/tr><tr><td>D\u1ea3i Bollinger<\/td><td>\u0110o l\u01b0\u1eddng \u0111\u1ed9 bi\u1ebfn \u0111\u1ed9ng v\u00e0 x\u00e1c \u0111\u1ecbnh v\u00f9ng h\u1ed7 tr\u1ee3\/kh\u00e1ng c\u1ef1<\/td><td>\u0110\u1ed9 r\u1ed9ng: 15,2% (thu h\u1eb9p so v\u1edbi 22,5% th\u00e1ng tr\u01b0\u1edbc)<\/td><\/tr><tr><td>\u0110\u01b0\u1eddng trung b\u00ecnh \u0111\u1ed9ng 50 v\u00e0 200 ng\u00e0y<\/td><td>X\u00e1c \u0111\u1ecbnh xu h\u01b0\u1edbng d\u00e0i h\u1ea1n v\u00e0 \u0111i\u1ec3m Golden Cross\/Death Cross<\/td><td>MA50: 56.200\u0111, MA200: 58.700\u0111 (Death Cross t\u1eeb 01\/2024)<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>So s\u00e1nh c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m v\u1edbi c\u00e1c ng\u00e0nh kh\u00e1c<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>So s\u00e1nh gi\u1eefa c\u00e1c ng\u00e0nh gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u1ecbnh v\u1ecb c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m trong danh m\u1ee5c \u0111\u1ea7u t\u01b0 t\u1ed5ng th\u1ec3 c\u1ee7a h\u1ecd. D\u1eef li\u1ec7u th\u1ef1c t\u1ebf t\u1eeb th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam trong giai \u0111o\u1ea1n 2019-2024 cho th\u1ea5y nh\u1eefng \u0111\u1eb7c \u0111i\u1ec3m ri\u00eang bi\u1ec7t c\u1ee7a c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Ti\u00eau ch\u00ed<\/th><th>C\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m<\/th><th>Ng\u00e2n h\u00e0ng<\/th><th>B\u1ea5t \u0111\u1ed9ng s\u1ea3n<\/th><th>C\u00f4ng ngh\u1ec7<\/th><\/tr><\/thead><tbody><tr><td>T\u0103ng tr\u01b0\u1edfng trung b\u00ecnh 5 n\u0103m (2019-2024)<\/td><td>8,7%<\/td><td>14,3%<\/td><td>12,5%<\/td><td>17,8%<\/td><\/tr><tr><td>\u0110\u1ed9 bi\u1ebfn \u0111\u1ed9ng gi\u00e1 (\u0110\u1ed9 l\u1ec7ch chu\u1ea9n)<\/td><td>22,4%<\/td><td>26,8%<\/td><td>35,2%<\/td><td>38,7%<\/td><\/tr><tr><td>L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c trung b\u00ecnh 2023<\/td><td>6,2%<\/td><td>3,8%<\/td><td>2,7%<\/td><td>1,1%<\/td><\/tr><tr><td>H\u1ec7 s\u1ed1 Beta (so v\u1edbi VN-Index)<\/td><td>0,84<\/td><td>1,12<\/td><td>1,25<\/td><td>1,43<\/td><\/tr><tr><td>P\/E trung b\u00ecnh hi\u1ec7n t\u1ea1i<\/td><td>13,4<\/td><td>10,8<\/td><td>18,5<\/td><td>22,3<\/td><\/tr><tr><td>ROE trung b\u00ecnh 2023<\/td><td>11,5%<\/td><td>19,7%<\/td><td>13,2%<\/td><td>16,8%<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m n\u1ed5i b\u1eadt v\u1edbi l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c cao nh\u1ea5t (6,2%) v\u00e0 \u0111\u1ed9 bi\u1ebfn \u0111\u1ed9ng th\u1ea5p nh\u1ea5t (h\u1ec7 s\u1ed1 Beta 0,84) trong s\u1ed1 c\u00e1c ng\u00e0nh \u0111\u01b0\u1ee3c so s\u00e1nh. M\u1eb7c d\u00f9 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng th\u1ea5p h\u01a1n so v\u1edbi ng\u00e0nh ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ngh\u1ec7, c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m cung c\u1ea5p s\u1ef1 \u1ed5n \u0111\u1ecbnh v\u00e0 thu nh\u1eadp c\u1ed5 t\u1ee9c \u0111\u1ec1u \u0111\u1eb7n, ph\u00f9 h\u1ee3p v\u1edbi chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 ph\u00f2ng th\u1ee7 v\u00e0 thu nh\u1eadp. Theo ph\u00e2n t\u00edch c\u1ee7a SSI Research (Q1\/2024), m\u1ed7i 1% t\u0103ng l\u00e3i su\u1ea5t tr\u00e1i phi\u1ebfu ch\u00ednh ph\u1ee7 c\u00f3 th\u1ec3 t\u0103ng \u0111\u1ecbnh gi\u00e1 c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m l\u00ean 5-7%.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Ph\u00e2n t\u00edch c\u01a1 b\u1ea3n c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m h\u00e0ng \u0111\u1ea7u Vi\u1ec7t Nam<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Ph\u00e2n t\u00edch chi ti\u1ebft 5 c\u00f4ng ty b\u1ea3o hi\u1ec3m h\u00e0ng \u0111\u1ea7u ni\u00eam y\u1ebft tr\u00ean th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n Vi\u1ec7t Nam d\u1ef1a tr\u00ean d\u1eef li\u1ec7u t\u00e0i ch\u00ednh t\u1eeb qu\u00fd 4\/2023 v\u00e0 qu\u00fd 1\/2024.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>M\u00e3 c\u1ed5 phi\u1ebfu<\/th><th>C\u00f4ng ty<\/th><th>P\/E<\/th><th>P\/B<\/th><th>ROE<\/th><th>L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c<\/th><th>T\u1ef7 l\u1ec7 k\u1ebft h\u1ee3p<\/th><th>Bi\u00ean kh\u1ea3 n\u0103ng thanh to\u00e1n<\/th><\/tr><\/thead><tbody><tr><td>BVH<\/td><td>T\u1eadp \u0111o\u00e0n B\u1ea3o Vi\u1ec7t<\/td><td>15,2<\/td><td>1,8<\/td><td>12,3%<\/td><td>6,5%<\/td><td>95,2%<\/td><td>125%<\/td><\/tr><tr><td>PVI<\/td><td>PVI Holdings<\/td><td>11,3<\/td><td>1,5<\/td><td>13,5%<\/td><td>7,2%<\/td><td>92,7%<\/td><td>138%<\/td><\/tr><tr><td>BMI<\/td><td>B\u1ea3o Minh<\/td><td>12,8<\/td><td>1,3<\/td><td>10,8%<\/td><td>5,8%<\/td><td>97,3%<\/td><td>115%<\/td><\/tr><tr><td>PGI<\/td><td>PJICO<\/td><td>13,5<\/td><td>1,2<\/td><td>9,7%<\/td><td>6,0%<\/td><td>98,4%<\/td><td>112%<\/td><\/tr><tr><td>PTI<\/td><td>B\u1ea3o hi\u1ec3m B\u01b0u \u0111i\u1ec7n<\/td><td>14,2<\/td><td>1,4<\/td><td>11,2%<\/td><td>5,5%<\/td><td>96,8%<\/td><td>118%<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>T\u1eadp \u0111o\u00e0n B\u1ea3o Vi\u1ec7t (BVH) duy tr\u00ec v\u1ecb tr\u00ed d\u1eabn \u0111\u1ea7u v\u1edbi 20,1% th\u1ecb ph\u1ea7n, m\u1ea1ng l\u01b0\u1edbi 76 c\u00f4ng ty th\u00e0nh vi\u00ean v\u00e0 h\u01a1n 200.000 \u0111\u1ea1i l\u00fd tr\u00ean to\u00e0n qu\u1ed1c. L\u1ee3i th\u1ebf c\u1ea1nh tranh c\u1ee7a BVH l\u00e0 s\u1ef1 h\u1ed7 tr\u1ee3 t\u1eeb T\u1eadp \u0111o\u00e0n Sumitomo Life (Nh\u1eadt B\u1ea3n, s\u1edf h\u1eefu 22,09%) v\u00e0 B\u1ed9 T\u00e0i ch\u00ednh (65%). T\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng doanh thu ph\u00ed b\u1ea3o hi\u1ec3m trong qu\u00fd 1\/2024 \u0111\u1ea1t 12,3% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc, nh\u01b0ng bi\u00ean l\u1ee3i nhu\u1eadn gi\u1ea3m 1,2% do \u00e1p l\u1ef1c c\u1ea1nh tranh v\u00e0 l\u1ee3i nhu\u1eadn \u0111\u1ea7u t\u01b0 gi\u1ea3m. BVH \u0111\u00e3 \u0111\u1eb7t m\u1ee5c ti\u00eau t\u0103ng tr\u01b0\u1edfng 14% cho n\u0103m 2024 v\u1edbi c\u00e1c chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea9y m\u1ea1nh s\u1ed1 h\u00f3a v\u00e0 m\u1edf r\u1ed9ng k\u00eanh bancassurance.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>PVI Holdings (PVI) n\u1ed5i b\u1eadt v\u1edbi ROE cao nh\u1ea5t ng\u00e0nh (13,5%) v\u00e0 t\u1ef7 l\u1ec7 k\u1ebft h\u1ee3p th\u1ea5p nh\u1ea5t (92,7%), ph\u1ea3n \u00e1nh hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng v\u01b0\u1ee3t tr\u1ed9i. C\u00f4ng ty c\u00f3 l\u1ee3i th\u1ebf c\u1ea1nh tranh t\u1eeb m\u1ed1i quan h\u1ec7 v\u1edbi T\u1eadp \u0111o\u00e0n D\u1ea7u kh\u00ed Vi\u1ec7t Nam (PVN s\u1edf h\u1eefu 35,5%) v\u00e0 HDI Global SE (\u0110\u1ee9c, s\u1edf h\u1eefu 53,92%). PVI \u0111\u1eb7c bi\u1ec7t m\u1ea1nh trong b\u1ea3o hi\u1ec3m d\u1ea7u kh\u00ed, h\u00e0ng h\u1ea3i v\u00e0 h\u00e0ng kh\u00f4ng v\u1edbi th\u1ecb ph\u1ea7n l\u00ean \u0111\u1ebfn 70% trong c\u00e1c l\u0129nh v\u1ef1c n\u00e0y. L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c cao nh\u1ea5t ng\u00e0nh (7,2%) k\u1ebft h\u1ee3p v\u1edbi \u0111\u1ecbnh gi\u00e1 P\/E th\u1ea5p (11,3) khi\u1ebfn PVI tr\u1edf th\u00e0nh l\u1ef1a ch\u1ecdn h\u1ea5p d\u1eabn cho c\u1ea3 nh\u00e0 \u0111\u1ea7u t\u01b0 gi\u00e1 tr\u1ecb v\u00e0 thu nh\u1eadp.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>\u0110\u00e1nh gi\u00e1 c\u00e1c ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh quan tr\u1ecdng<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Khi ph\u00e2n t\u00edch c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m, b\u1ed1n ch\u1ec9 s\u1ed1 \u0111\u1eb7c th\u00f9 ng\u00e0nh c\u1ea7n \u0111\u01b0\u1ee3c ph\u00e2n t\u00edch c\u00f9ng v\u1edbi c\u00e1c ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh th\u00f4ng th\u01b0\u1eddng:<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ef7 l\u1ec7 k\u1ebft h\u1ee3p: L\u00e0 th\u01b0\u1edbc \u0111o hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng, t\u1ed5ng chi ph\u00ed b\u1ed3i th\u01b0\u1eddng v\u00e0 chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng chia cho t\u1ed5ng ph\u00ed b\u1ea3o hi\u1ec3m. T\u1ef7 l\u1ec7 &lt; 100% cho th\u1ea5y c\u00f4ng ty c\u00f3 l\u1ee3i nhu\u1eadn t\u1eeb ho\u1ea1t \u0111\u1ed9ng b\u1ea3o hi\u1ec3m thu\u1ea7n t\u00fay, kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o thu nh\u1eadp \u0111\u1ea7u t\u01b0.<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ef7 l\u1ec7 b\u1ed3i th\u01b0\u1eddng: \u0110o l\u01b0\u1eddng chi ph\u00ed b\u1ed3i th\u01b0\u1eddng so v\u1edbi doanh thu ph\u00ed b\u1ea3o hi\u1ec3m. PVI c\u00f3 t\u1ef7 l\u1ec7 b\u1ed3i th\u01b0\u1eddng th\u1ea5p nh\u1ea5t ng\u00e0nh (45,3% so v\u1edbi trung b\u00ecnh ng\u00e0nh 52,8%).<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ef7 l\u1ec7 chi ph\u00ed: Ph\u1ea3n \u00e1nh hi\u1ec7u qu\u1ea3 qu\u1ea3n l\u00fd chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng. BMI \u0111ang c\u1ea3i thi\u1ec7n \u0111\u00e1ng k\u1ec3 ch\u1ec9 s\u1ed1 n\u00e0y, gi\u1ea3m t\u1eeb 41,2% xu\u1ed1ng 38,4% th\u00f4ng qua chi\u1ebfn l\u01b0\u1ee3c s\u1ed1 h\u00f3a quy tr\u00ecnh.<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Bi\u00ean kh\u1ea3 n\u0103ng thanh to\u00e1n: Kh\u1ea3 n\u0103ng \u0111\u00e1p \u1ee9ng c\u00e1c ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh, y\u00eau c\u1ea7u t\u1ed1i thi\u1ec3u theo quy \u0111\u1ecbnh m\u1edbi l\u00e0 110%. PVI d\u1eabn \u0111\u1ea7u v\u1edbi t\u1ef7 l\u1ec7 138%.<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>N\u1ec1n t\u1ea3ng Pocket Option cung c\u1ea5p c\u00f4ng c\u1ee5 \"Ph\u00e2n t\u00edch ch\u1ec9 s\u1ed1 ng\u00e0nh b\u1ea3o hi\u1ec3m\" cho ph\u00e9p theo d\u00f5i t\u1ea5t c\u1ea3 4 ch\u1ec9 s\u1ed1 n\u00e0y theo th\u1eddi gian th\u1ef1c v\u00e0 so s\u00e1nh gi\u1eefa c\u00e1c c\u00f4ng ty. \u0110\u1eb7c bi\u1ec7t, t\u00ednh n\u0103ng \"B\u00e1o c\u00e1o xu h\u01b0\u1edbng ch\u1ec9 s\u1ed1 5 n\u0103m\" gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 nh\u1eadn di\u1ec7n c\u00e1c xu h\u01b0\u1edbng d\u00e0i h\u1ea1n v\u00e0 d\u1ea5u hi\u1ec7u c\u1ea3nh b\u00e1o s\u1edbm v\u1ec1 c\u00e1c r\u1ee7i ro ti\u1ec1m \u1ea9n.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 cho c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>D\u1ef1a tr\u00ean ph\u00e2n t\u00edch d\u1eef li\u1ec7u l\u1ecbch s\u1eed t\u1eeb 2019-2024, ch\u00fang t\u00f4i \u0111\u00e3 ph\u00e1t tri\u1ec3n 4 chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 kh\u1ea3 thi cho c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m v\u1edbi c\u00e1c m\u1ee9c l\u1ee3i nhu\u1eadn v\u00e0 r\u1ee7i ro kh\u00e1c nhau.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 theo chu k\u1ef3 l\u00e3i su\u1ea5t<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Ph\u00e2n t\u00edch d\u1eef li\u1ec7u trong 10 n\u0103m qua cho th\u1ea5y m\u1ed1i t\u01b0\u01a1ng quan m\u1ea1nh m\u1ebd (h\u1ec7 s\u1ed1 t\u01b0\u01a1ng quan 0,72) gi\u1eefa l\u00e3i su\u1ea5t tr\u00e1i phi\u1ebfu ch\u00ednh ph\u1ee7 k\u1ef3 h\u1ea1n 10 n\u0103m v\u00e0 hi\u1ec7u su\u1ea5t c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m. Khi l\u00e3i su\u1ea5t t\u0103ng 1% t\u1eeb \u0111\u00e1y chu k\u1ef3, c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m c\u00f3 xu h\u01b0\u1edbng t\u0103ng trung b\u00ecnh 12-18% trong 6 th\u00e1ng ti\u1ebfp theo.<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Giai \u0111o\u1ea1n l\u00e3i su\u1ea5t \u0111\u00e1y v\u00e0 b\u1eaft \u0111\u1ea7u t\u0103ng (hi\u1ec7n t\u1ea1i - Q2\/2024): T\u00edch l\u0169y d\u1ea7n c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m ch\u1ea5t l\u01b0\u1ee3ng cao, \u0111\u1eb7c bi\u1ec7t l\u00e0 BVH v\u00e0 PVI v\u1edbi t\u1ef7 tr\u1ecdng 15-20% danh m\u1ee5c.<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Giai \u0111o\u1ea1n l\u00e3i su\u1ea5t t\u0103ng m\u1ea1nh (d\u1ef1 ki\u1ebfn Q3\/2024-Q2\/2025): T\u0103ng t\u1ef7 tr\u1ecdng l\u00ean 25-30%, m\u1edf r\u1ed9ng sang c\u00e1c c\u1ed5 phi\u1ebfu c\u00f3 beta cao h\u01a1n nh\u01b0 BMI v\u00e0 PTI.<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Giai \u0111o\u1ea1n l\u00e3i su\u1ea5t \u0111\u1ec9nh: Duy tr\u00ec t\u1ef7 tr\u1ecdng nh\u01b0ng c\u00e2n \u0111\u1ed1i l\u1ea1i theo h\u01b0\u1edbng c\u1ed5 phi\u1ebfu c\u00f3 l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c cao.<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Giai \u0111o\u1ea1n l\u00e3i su\u1ea5t gi\u1ea3m: Gi\u1ea3m d\u1ea7n t\u1ef7 tr\u1ecdng xu\u1ed1ng 10%, \u01b0u ti\u00ean c\u1ed5 phi\u1ebfu c\u00f3 t\u1ef7 l\u1ec7 k\u1ebft h\u1ee3p th\u1ea5p v\u00e0 \u00edt ph\u1ee5 thu\u1ed9c v\u00e0o thu nh\u1eadp \u0111\u1ea7u t\u01b0.<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Theo d\u1ef1 b\u00e1o t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u chu k\u1ef3 t\u0103ng l\u00e3i su\u1ea5t v\u00e0o qu\u00fd 3\/2024 v\u1edbi m\u1ee9c t\u0103ng d\u1ef1 ki\u1ebfn 0,5-1,0%, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m trong 6-12 th\u00e1ng t\u1edbi.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Chi\u1ebfn l\u01b0\u1ee3c<\/th><th>Th\u1eddi \u0111i\u1ec3m \u00e1p d\u1ee5ng<\/th><th>M\u1ee5c ti\u00eau<\/th><th>R\u1ee7i ro<\/th><th>L\u1ee3i nhu\u1eadn k\u1ef3 v\u1ecdng<\/th><th>C\u1ed5 phi\u1ebfu khuy\u1ebfn ngh\u1ecb<\/th><\/tr><\/thead><tbody><tr><td>T\u00edch l\u0169y d\u00e0i h\u1ea1n<\/td><td>Th\u1ecb tr\u01b0\u1eddng \u1ed5n \u0111\u1ecbnh (hi\u1ec7n t\u1ea1i)<\/td><td>Thu nh\u1eadp c\u1ed5 t\u1ee9c + T\u0103ng gi\u00e1<\/td><td>Th\u1ea5p-Trung b\u00ecnh<\/td><td>12-15%\/n\u0103m<\/td><td>BVH, PVI<\/td><\/tr><tr><td>Giao d\u1ecbch theo chu k\u1ef3 l\u00e3i su\u1ea5t<\/td><td>Q3\/2024-Q2\/2025<\/td><td>L\u1ee3i nhu\u1eadn t\u1eeb bi\u1ebfn \u0111\u1ed9ng gi\u00e1<\/td><td>Trung b\u00ecnh-Cao<\/td><td>18-25%\/chu k\u1ef3<\/td><td>BMI, PTI<\/td><\/tr><tr><td>\u0110\u1ea7u t\u01b0 gi\u00e1 tr\u1ecb<\/td><td>Khi P\/B &lt; 1,2 v\u00e0 ROE &gt; 10%<\/td><td>Mua d\u01b0\u1edbi gi\u00e1 tr\u1ecb n\u1ed9i t\u1ea1i<\/td><td>Trung b\u00ecnh<\/td><td>20-30%\/2 n\u0103m<\/td><td>PGI (hi\u1ec7n t\u1ea1i)<\/td><\/tr><tr><td>Danh m\u1ee5c c\u1ed5 t\u1ee9c cao<\/td><td>B\u1ea5t k\u1ef3 th\u1eddi \u0111i\u1ec3m n\u00e0o<\/td><td>D\u00f2ng ti\u1ec1n \u1ed5n \u0111\u1ecbnh<\/td><td>Th\u1ea5p<\/td><td>7-9%\/n\u0103m<\/td><td>PVI, BVH<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>X\u00e2y d\u1ef1ng chi\u1ebfn l\u01b0\u1ee3c danh m\u1ee5c \u0111\u1ea7u t\u01b0 \u0111a d\u1ea1ng v\u1edbi c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m v\u1eabn l\u00e0 c\u00e1ch ti\u1ebfp c\u1eadn hi\u1ec7u qu\u1ea3 nh\u1ea5t trong m\u00f4i tr\u01b0\u1eddng th\u1ecb tr\u01b0\u1eddng hi\u1ec7n t\u1ea1i. M\u00f4 h\u00ecnh ph\u00e2n b\u1ed5 khuy\u1ebfn ngh\u1ecb: 40% v\u00e0o c\u1ed5 phi\u1ebfu blue-chip (BVH), 30% v\u00e0o c\u1ed5 phi\u1ebfu c\u00f3 ROE cao (PVI), 20% v\u00e0o c\u1ed5 phi\u1ebfu c\u00f3 ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng (PTI), v\u00e0 10% v\u00e0o c\u1ed5 phi\u1ebfu c\u00f3 \u0111\u1ecbnh gi\u00e1 th\u1ea5p (PGI) \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a c\u1ea3 thu nh\u1eadp c\u1ed5 t\u1ee9c v\u00e0 ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>N\u1ec1n t\u1ea3ng Pocket Option cung c\u1ea5p c\u00f4ng c\u1ee5 \"M\u00f4 ph\u1ecfng danh m\u1ee5c\" cho ph\u00e9p b\u1ea1n th\u1eed nghi\u1ec7m c\u00e1c k\u1ecbch b\u1ea3n ph\u00e2n b\u1ed5 kh\u00e1c nhau v\u00e0 t\u00ednh to\u00e1n hi\u1ec7u su\u1ea5t k\u1ef3 v\u1ecdng d\u1ef1a tr\u00ean d\u1eef li\u1ec7u l\u1ecbch s\u1eed. Theo c\u00e1c m\u00f4 ph\u1ecfng t\u1eeb c\u00f4ng c\u1ee5 n\u00e0y, chi\u1ebfn l\u01b0\u1ee3c ph\u00e2n b\u1ed5 \u0111\u1ec1 xu\u1ea5t c\u00f3 th\u1ec3 mang l\u1ea1i l\u1ee3i nhu\u1eadn 14,5-16,8% trong 12 th\u00e1ng t\u1edbi v\u1edbi m\u1ee9c \u0111\u1ed9 r\u1ee7i ro (\u0111\u1ed9 l\u1ec7ch chu\u1ea9n) ch\u1ec9 15,2% - th\u1ea5p h\u01a1n 25% so v\u1edbi VN-Index.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>C\u01a1 h\u1ed9i v\u00e0 th\u00e1ch th\u1ee9c cho c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m t\u1ea1i Vi\u1ec7t Nam<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Ph\u00e2n t\u00edch SWOT cho c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam trong giai \u0111o\u1ea1n 2024-2025 d\u1ef1a tr\u00ean d\u1eef li\u1ec7u th\u1ecb tr\u01b0\u1eddng v\u00e0 xu h\u01b0\u1edbng ng\u00e0nh:<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>C\u01a1 h\u1ed9i:<\/li><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_2'>T\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp b\u1ea3o hi\u1ec3m th\u1ea5p (3% GDP) v\u1edbi ti\u1ec1m n\u0103ng t\u0103ng g\u1ea5p \u0111\u00f4i l\u00ean 6% v\u00e0o n\u0103m 2030 theo d\u1ef1 b\u00e1o c\u1ee7a Swiss Re<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_2'>T\u1ea7ng l\u1edbp trung l\u01b0u c\u1ee7a Vi\u1ec7t Nam d\u1ef1 ki\u1ebfn t\u0103ng t\u1eeb 25% l\u00ean 50% d\u00e2n s\u1ed1 v\u00e0o n\u0103m 2030, t\u1ea1o ra c\u01a1 s\u1edf kh\u00e1ch h\u00e0ng m\u1edbi<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_2'>Ngh\u1ecb \u0111\u1ecbnh 98\/2023\/N\u0110-CP c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1\/1\/2024 t\u1ea1o ra khung ph\u00e1p l\u00fd thu\u1eadn l\u1ee3i cho ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m m\u1edbi<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_2'>Chi ti\u00eau cho chuy\u1ec3n \u0111\u1ed5i s\u1ed1 c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m d\u1ef1 ki\u1ebfn t\u0103ng 35% h\u00e0ng n\u0103m trong giai \u0111o\u1ea1n 2024-2026, gi\u00fap gi\u1ea3m chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng 18-25%<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_2'>K\u00eanh ph\u00e2n ph\u1ed1i bancassurance t\u0103ng tr\u01b0\u1edfng 30-35%\/n\u0103m, m\u1edf r\u1ed9ng ph\u1ea1m vi kh\u00e1ch h\u00e0ng<\/li><\/ul><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Th\u00e1ch th\u1ee9c:<\/li><ul class='po-article-page__text po-article-page__text_no-margin po-list-lvl_2'>C\u1ea1nh tranh gay g\u1eaft v\u1edbi 18 c\u00f4ng ty b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd v\u00e0 19 c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111ang ho\u1ea1t \u0111\u1ed9ng<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_2'>Bi\u00ean l\u1ee3i nhu\u1eadn b\u1ecb \u1ea3nh h\u01b0\u1edfng khi chi ph\u00ed b\u1ed3i th\u01b0\u1eddng t\u0103ng 15,3% trong n\u0103m 2023 do l\u1ea1m ph\u00e1t chi ph\u00ed y t\u1ebf v\u00e0 ph\u1ee5 t\u00f9ng \u00f4 t\u00f4<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_2'>R\u1ee7i ro thi\u00ean tai gia t\u0103ng v\u1edbi thi\u1ec7t h\u1ea1i t\u1eeb l\u0169 l\u1ee5t n\u0103m 2023 l\u00ean \u0111\u1ebfn 13.000 t\u1ef7 VND, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn chi ph\u00ed t\u00e1i b\u1ea3o hi\u1ec3m<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_2'>Th\u00f4ng t\u01b0 120\/2023\/TT-BTC y\u00eau c\u1ea7u t\u0103ng 30% v\u1ed1n t\u1ed1i thi\u1ec3u t\u1eeb ng\u00e0y 1\/7\/2024, t\u1ea1o \u00e1p l\u1ef1c cho vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_2'>C\u1ea1nh tranh gi\u00e1 ng\u00e0y c\u00e0ng kh\u1ed1c li\u1ec7t l\u00e0m gi\u1ea3m bi\u00ean l\u1ee3i nhu\u1eadn 2,5-3,5% trong 2 n\u0103m qua<\/li><\/ul><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Theo b\u00e1o c\u00e1o t\u1eeb Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m Vi\u1ec7t Nam v\u00e0 d\u1ef1 b\u00e1o c\u1ee7a Swiss Re, ng\u00e0nh b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam s\u1ebd duy tr\u00ec t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng k\u00e9p h\u00e0ng n\u0103m (CAGR) 15-18% trong giai \u0111o\u1ea1n 2024-2029, v\u1edbi b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u1ea1t 16-18% v\u00e0 b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd \u0111\u1ea1t 12-14%. \u0110\u1eb7c bi\u1ec7t, ph\u00e2n kh\u00fac b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe d\u1ef1 ki\u1ebfn t\u0103ng tr\u01b0\u1edfng nhanh nh\u1ea5t v\u1edbi CAGR 22-25% do nhu c\u1ea7u t\u0103ng sau \u0111\u1ea1i d\u1ecbch COVID-19.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Khuy\u1ebfn ngh\u1ecb \u0111\u1ea7u t\u01b0 c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m cho 2024-2025<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>D\u1ef1a tr\u00ean ph\u00e2n t\u00edch c\u01a1 b\u1ea3n, k\u1ef9 thu\u1eadt v\u00e0 xu h\u01b0\u1edbng ng\u00e0nh to\u00e0n di\u1ec7n, ch\u00fang t\u00f4i \u0111\u01b0a ra c\u00e1c khuy\u1ebfn ngh\u1ecb c\u1ee5 th\u1ec3 cho t\u1eebng c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m:<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>M\u00e3 c\u1ed5 phi\u1ebfu<\/th><th>X\u1ebfp h\u1ea1ng<\/th><th>Gi\u00e1 m\u1ee5c ti\u00eau (VND)<\/th><th>Ti\u1ec1m n\u0103ng t\u0103ng\/gi\u1ea3m<\/th><th>K\u1ebf ho\u1ea1ch h\u00e0nh \u0111\u1ed9ng c\u1ee5 th\u1ec3<\/th><\/tr><\/thead><tbody><tr><td>BVH<\/td><td>T\u00edch l\u0169y<\/td><td>65.000-70.000<\/td><td>+12-18%<\/td><td>Mua d\u1ea7n trong v\u00f9ng 54.000-56.000, t\u0103ng t\u1ef7 tr\u1ecdng khi l\u00e3i su\u1ea5t b\u1eaft \u0111\u1ea7u t\u0103ng (Q3\/2024)<\/td><\/tr><tr><td>PVI<\/td><td>Mua<\/td><td>52.000-55.000<\/td><td>+22-27%<\/td><td>Mua ngay v\u1edbi t\u1ef7 tr\u1ecdng 5-7% danh m\u1ee5c, t\u0103ng l\u00ean 10-12% n\u1ebfu gi\u00e1 \u0111i\u1ec1u ch\u1ec9nh v\u1ec1 41.000-42.000<\/td><\/tr><tr><td>BMI<\/td><td>Theo d\u00f5i<\/td><td>32.000-35.000<\/td><td>+7-12%<\/td><td>Ch\u1edd k\u1ebft qu\u1ea3 kinh doanh Q2\/2024 tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh, v\u00f9ng mua h\u1ea5p d\u1eabn 27.000-28.000<\/td><\/tr><tr><td>PGI<\/td><td>Mua m\u1ed9t ph\u1ea7n<\/td><td>30.000-32.000<\/td><td>+15-22%<\/td><td>T\u00edch l\u0169y d\u1ea7n khi gi\u00e1 \u0111\u1ea1t 25.000-26.000, t\u1ed1i \u0111a 5% t\u1ef7 tr\u1ecdng danh m\u1ee5c<\/td><\/tr><tr><td>PTI<\/td><td>Mua<\/td><td>30.000-32.000<\/td><td>+18-24%<\/td><td>Mua ngay trong kho\u1ea3ng gi\u00e1 25.000-26.000, t\u1ef7 tr\u1ecdng 5-8% danh m\u1ee5c<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Chi\u1ebfn l\u01b0\u1ee3c ph\u00e2n b\u1ed5 t\u00e0i s\u1ea3n t\u1ed1i \u01b0u cho 2024-2025 d\u1ef1a tr\u00ean m\u00f4 h\u00ecnh \u0111\u1ecbnh l\u01b0\u1ee3ng c\u1ee7a Pocket Option l\u00e0: 40% ph\u00e2n b\u1ed5 v\u00e0o c\u1ed5 phi\u1ebfu blue-chip ph\u00f2ng th\u1ee7 (BVH), 35% v\u00e0o c\u1ed5 phi\u1ebfu c\u00f3 ROE cao v\u00e0 c\u1ed5 t\u1ee9c h\u1ea5p d\u1eabn (PVI), 15% v\u00e0o c\u1ed5 phi\u1ebfu t\u0103ng tr\u01b0\u1edfng nhanh nh\u1edd chi\u1ebfn l\u01b0\u1ee3c s\u1ed1 h\u00f3a (PTI), v\u00e0 10% v\u00e0o c\u1ed5 phi\u1ebfu c\u00f3 \u0111\u1ecbnh gi\u00e1 th\u1ea5p (PGI).<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c m\u1ed1c th\u1eddi gian quan tr\u1ecdng c\u1ea7n theo d\u00f5i: (1) K\u1ebft qu\u1ea3 kinh doanh Q2\/2024 c\u00f4ng b\u1ed1 v\u00e0o th\u00e1ng 7\/2024; (2) Cu\u1ed9c h\u1ecdp \u1ee6y ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i v\u00e0o th\u00e1ng 8\/2024 c\u00f3 th\u1ec3 th\u00f4ng qua s\u1eeda \u0111\u1ed5i Lu\u1eadt Kinh doanh B\u1ea3o hi\u1ec3m; (3) C\u00e1c cu\u1ed9c h\u1ecdp ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 c\u1ee7a FED v\u00e0 SBV trong Q3\/2024 c\u00f3 th\u1ec3 b\u00e1o hi\u1ec7u xu h\u01b0\u1edbng l\u00e3i su\u1ea5t m\u1edbi.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00f4ng c\u1ee5 \"B\u00e1o c\u00e1o ph\u00e2n t\u00edch c\u1ed5 phi\u1ebfu\" c\u1ee7a Pocket Option cung c\u1ea5p c\u00e1c c\u1eadp nh\u1eadt th\u01b0\u1eddng xuy\u00ean v\u1ec1 c\u00e1c y\u1ebfu t\u1ed1 n\u00e0y, c\u00f9ng v\u1edbi c\u1ea3nh b\u00e1o khi gi\u00e1 c\u1ed5 phi\u1ebfu ch\u1ea1m v\u00f9ng mua\/b\u00e1n \u0111\u01b0\u1ee3c khuy\u1ebfn ngh\u1ecb. \u0110\u1eb7c bi\u1ec7t, t\u00ednh n\u0103ng \"C\u1ea3nh b\u00e1o th\u00f4ng tin ng\u00e0nh\" s\u1ebd th\u00f4ng b\u00e1o ngay khi c\u00f3 tin t\u1ee9c quan tr\u1ecdng c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m, gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh k\u1ecbp th\u1eddi.<\/p><\/div>[cta_button text=\"\"]<div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>K\u1ebft lu\u1eadn<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m t\u1ea1i Vi\u1ec7t Nam \u0111\u1ea1i di\u1ec7n cho c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 h\u1ea5p d\u1eabn trong giai \u0111o\u1ea1n 2024-2025 v\u1edbi ba l\u1ee3i th\u1ebf c\u1ea1nh tranh ch\u00ednh: t\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp th\u1ea5p (3% GDP) v\u1edbi ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng l\u1edbn, l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c cao (5-7%) trong m\u00f4i tr\u01b0\u1eddng l\u00e3i su\u1ea5t th\u1ea5p, v\u00e0 kh\u1ea3 n\u0103ng h\u01b0\u1edfng l\u1ee3i t\u1eeb chu k\u1ef3 t\u0103ng l\u00e3i su\u1ea5t s\u1eafp t\u1edbi.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Ph\u00e2n t\u00edch chi ti\u1ebft cho th\u1ea5y PVI v\u00e0 PTI l\u00e0 hai c\u1ed5 phi\u1ebfu c\u00f3 ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng v\u01b0\u1ee3t tr\u1ed9i (22-27% v\u00e0 18-24%) nh\u1edd ROE cao, t\u1ef7 l\u1ec7 k\u1ebft h\u1ee3p t\u1ed1t v\u00e0 chi\u1ebfn l\u01b0\u1ee3c kinh doanh r\u00f5 r\u00e0ng. BVH ti\u1ebfp t\u1ee5c l\u00e0 l\u1ef1a ch\u1ecdn an to\u00e0n v\u1edbi t\u00ednh ph\u00f2ng th\u1ee7 cao v\u00e0 c\u1ed5 t\u1ee9c \u1ed5n \u0111\u1ecbnh. PGI \u0111\u1ea1i di\u1ec7n cho c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 gi\u00e1 tr\u1ecb v\u1edbi P\/B th\u1ea5p (1,2) v\u00e0 ti\u1ec1m n\u0103ng c\u1ea3i thi\u1ec7n bi\u00ean l\u1ee3i nhu\u1eadn t\u1eeb qu\u00e1 tr\u00ecnh t\u00e1i c\u1ea5u tr\u00fac.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>V\u1edbi d\u1ef1 b\u00e1o t\u0103ng tr\u01b0\u1edfng ng\u00e0nh 15-18%\/n\u0103m trong giai \u0111o\u1ea1n 2024-2029 v\u00e0 kh\u1ea3 n\u0103ng ch\u1ed1ng ch\u1ecbu t\u1ed1t trong m\u00f4i tr\u01b0\u1eddng kinh t\u1ebf bi\u1ebfn \u0111\u1ed9ng, c\u1ed5 phi\u1ebfu ng\u00e0nh b\u1ea3o hi\u1ec3m x\u1ee9ng \u0111\u00e1ng chi\u1ebfm 15-25% trong danh m\u1ee5c \u0111\u1ea7u t\u01b0 \u0111a d\u1ea1ng cho nh\u00e0 \u0111\u1ea7u t\u01b0 trung v\u00e0 d\u00e0i h\u1ea1n. Pocket Option cung c\u1ea5p c\u00e1c c\u00f4ng c\u1ee5 to\u00e0n di\u1ec7n \u0111\u1ec3 ph\u00e2n t\u00edch, theo d\u00f5i v\u00e0 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 th\u00f4ng minh cho ph\u00e2n kh\u00fac c\u1ed5 phi\u1ebfu n\u00e0y.<\/p><\/div>","body_html_source":{"label":"Body HTML","type":"wysiwyg","formatted_value":"<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>T\u1ed5ng quan v\u1ec1 Th\u1ecb tr\u01b0\u1eddng C\u1ed5 phi\u1ebfu B\u1ea3o hi\u1ec3m t\u1ea1i Vi\u1ec7t Nam<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Th\u1ecb tr\u01b0\u1eddng c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam \u0111\u00e3 tr\u1ea3i qua s\u1ef1 t\u0103ng tr\u01b0\u1edfng \u1ea5n t\u01b0\u1ee3ng 17,1% trong n\u0103m 2023 v\u1edbi t\u1ed5ng doanh thu ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u1ea1t 217.300 t\u1ef7 VND (theo Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m Vi\u1ec7t Nam). \u0110\u00e2y l\u00e0 n\u0103m th\u1ee9 5 li\u00ean ti\u1ebfp ng\u00e0nh duy tr\u00ec t\u0103ng tr\u01b0\u1edfng hai con s\u1ed1, v\u01b0\u1ee3t xa m\u1ee9c t\u0103ng tr\u01b0\u1edfng chung c\u1ee7a n\u1ec1n kinh t\u1ebf.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m \u0111\u00e3 thu h\u00fat nh\u00e0 \u0111\u1ea7u t\u01b0 kh\u00f4ng ch\u1ec9 v\u00ec ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1 m\u00e0 c\u00f2n v\u00ec l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c h\u1ea5p d\u1eabn trung b\u00ecnh 5-7% &#8211; cao h\u01a1n 2-3% so v\u1edbi l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m hi\u1ec7n t\u1ea1i. V\u1edbi l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m gi\u1ea3m xu\u1ed1ng 3-4% v\u00e0o \u0111\u1ea7u n\u0103m 2024, vi\u1ec7c n\u1eafm gi\u1eef c\u1ed5 phi\u1ebfu c\u00f3 l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c cao nh\u01b0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 tr\u1edf th\u00e0nh chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c nhi\u1ec1u nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n v\u00e0 t\u1ed5 ch\u1ee9c \u01b0a chu\u1ed9ng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Hi\u1ec7n t\u1ea1i, Vi\u1ec7t Nam c\u00f3 10 c\u00f4ng ty b\u1ea3o hi\u1ec3m ni\u00eam y\u1ebft, chi\u1ebfm 59% th\u1ecb ph\u1ea7n c\u1ee7a ng\u00e0nh, v\u1edbi 5 c\u00f4ng ty l\u1edbn nh\u1ea5t l\u00e0 B\u1ea3o Vi\u1ec7t (BVH &#8211; 20,1% th\u1ecb ph\u1ea7n), PVI Holdings (PVI &#8211; 15,8%), B\u1ea3o Minh (BMI &#8211; 8,7%), PJICO (PGI &#8211; 7,5%) v\u00e0 B\u1ea3o hi\u1ec3m B\u01b0u \u0111i\u1ec7n (PTI &#8211; 6,9%). M\u1ed7i c\u00f4ng ty c\u00f3 v\u1ecb tr\u00ed ri\u00eang bi\u1ec7t: BVH m\u1ea1nh v\u1ec1 m\u1ea1ng l\u01b0\u1edbi v\u00e0 th\u01b0\u01a1ng hi\u1ec7u, PVI n\u1ed5i b\u1eadt trong b\u1ea3o hi\u1ec3m d\u1ea7u kh\u00ed v\u00e0 h\u00e0ng h\u1ea3i, BMI c\u00f3 th\u1ebf m\u1ea1nh trong b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi, trong khi PTI ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng th\u00f4ng qua chi\u1ebfn l\u01b0\u1ee3c s\u1ed1 h\u00f3a m\u1ea1nh m\u1ebd.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>C\u00e1c y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn gi\u00e1 c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Khi ph\u00e2n t\u00edch c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m, nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ea7n hi\u1ec3u r\u00f5 c\u00e1c y\u1ebfu t\u1ed1 c\u1ee5 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn bi\u1ebfn \u0111\u1ed9ng gi\u00e1. N\u1ec1n t\u1ea3ng Pocket Option cung c\u1ea5p c\u00f4ng c\u1ee5 &#8220;Ph\u00e2n t\u00edch \u0111a y\u1ebfu t\u1ed1&#8221; gi\u00fap b\u1ea1n theo d\u00f5i 5 y\u1ebfu t\u1ed1 quan tr\u1ecdng theo th\u1eddi gian th\u1ef1c.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Y\u1ebfu t\u1ed1<\/th>\n<th>T\u00e1c \u0111\u1ed9ng<\/th>\n<th>M\u1ee9c \u0111\u1ed9 t\u00e1c \u0111\u1ed9ng<\/th>\n<th>D\u1eef li\u1ec7u th\u1ef1c t\u1ebf 2023-2024<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>L\u00e3i su\u1ea5t<\/td>\n<td>M\u1ed7i 1% t\u0103ng l\u00e3i su\u1ea5t c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n l\u1ee3i nhu\u1eadn \u0111\u1ea7u t\u01b0 c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u00ean \u0111\u1ebfn 8-12%<\/td>\n<td>Cao<\/td>\n<td>L\u00e3i su\u1ea5t gi\u1ea3m t\u1eeb 6,5% xu\u1ed1ng 4,5% trong 2023-2024, g\u00e2y \u00e1p l\u1ef1c l\u00ean l\u1ee3i nhu\u1eadn \u0111\u1ea7u t\u01b0<\/td>\n<\/tr>\n<tr>\n<td>T\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp b\u1ea3o hi\u1ec3m<\/td>\n<td>M\u1ed7i 1% t\u0103ng t\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp c\u00f3 th\u1ec3 t\u1ea1o ra t\u0103ng tr\u01b0\u1edfng doanh thu 5-7%<\/td>\n<td>Cao<\/td>\n<td>T\u1ef7 l\u1ec7 hi\u1ec7n t\u1ea1i l\u00e0 3% GDP, t\u0103ng t\u1eeb 2,3% n\u0103m 2019<\/td>\n<\/tr>\n<tr>\n<td>Ch\u00ednh s\u00e1ch qu\u1ea3n l\u00fd r\u1ee7i ro<\/td>\n<td>\u1ea2nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn t\u1ef7 l\u1ec7 b\u1ed3i th\u01b0\u1eddng v\u00e0 bi\u00ean l\u1ee3i nhu\u1eadn ho\u1ea1t \u0111\u1ed9ng<\/td>\n<td>Trung b\u00ecnh<\/td>\n<td>T\u1ef7 l\u1ec7 b\u1ed3i th\u01b0\u1eddng trung b\u00ecnh ng\u00e0nh gi\u1ea3m t\u1eeb 35,7% xu\u1ed1ng 32,4% trong 2023<\/td>\n<\/tr>\n<tr>\n<td>Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0<\/td>\n<td>Quy\u1ebft \u0111\u1ecbnh hi\u1ec7u qu\u1ea3 \u0111\u1ea7u t\u01b0 t\u1eeb ph\u00ed b\u1ea3o hi\u1ec3m, \u0111\u00f3ng g\u00f3p 30-40% l\u1ee3i nhu\u1eadn<\/td>\n<td>Cao<\/td>\n<td>L\u1ee3i nhu\u1eadn \u0111\u1ea7u t\u01b0 trung b\u00ecnh gi\u1ea3m 2,7% trong 2023 do bi\u1ebfn \u0111\u1ed9ng th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n<\/td>\n<\/tr>\n<tr>\n<td>Thay \u0111\u1ed5i quy \u0111\u1ecbnh<\/td>\n<td>T\u1ea1o ra c\u1ea3 c\u01a1 h\u1ed9i v\u00e0 th\u00e1ch th\u1ee9c<\/td>\n<td>Trung b\u00ecnh<\/td>\n<td>Th\u00f4ng t\u01b0 120\/2023\/TT-BTC c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 1\/7\/2024 y\u00eau c\u1ea7u t\u0103ng 30% v\u1ed1n t\u1ed1i thi\u1ec3u<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Bi\u1ebfn \u0111\u1ed9ng l\u00e3i su\u1ea5t l\u00e0 y\u1ebfu t\u1ed1 then ch\u1ed1t \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam khi 70-85% danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a h\u1ecd l\u00e0 tr\u00e1i phi\u1ebfu v\u00e0 ti\u1ec1n g\u1eedi. Theo nghi\u00ean c\u1ee9u c\u1ee7a VNDIRECT (2023), m\u1ed7i 1% t\u0103ng l\u00e3i su\u1ea5t tr\u00e1i phi\u1ebfu ch\u00ednh ph\u1ee7 c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n thu nh\u1eadp \u0111\u1ea7u t\u01b0 c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u00ean \u0111\u1ebfn 8-12%. T\u00ednh \u0111\u1ebfn qu\u00fd 1\/2024, l\u00e3i su\u1ea5t tr\u00e1i phi\u1ebfu ch\u00ednh ph\u1ee7 k\u1ef3 h\u1ea1n 10 n\u0103m \u0111\u00e3 gi\u1ea3m xu\u1ed1ng kho\u1ea3ng 3,2%, g\u00e2y \u00e1p l\u1ef1c l\u00ean l\u1ee3i nhu\u1eadn ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>T\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp b\u1ea3o hi\u1ec3m t\u1ea1i Vi\u1ec7t Nam \u0111\u1ea1t 3% GDP v\u00e0o cu\u1ed1i n\u0103m 2023, m\u1eb7c d\u00f9 \u0111\u00e3 t\u0103ng t\u1eeb 2,3% n\u0103m 2019 nh\u01b0ng v\u1eabn th\u1ea5p so v\u1edbi m\u1ee9c trung b\u00ecnh 8-10% \u1edf c\u00e1c n\u01b0\u1edbc ph\u00e1t tri\u1ec3n v\u00e0 5-6% \u1edf c\u00e1c n\u1ec1n kinh t\u1ebf m\u1edbi n\u1ed5i trong khu v\u1ef1c nh\u01b0 Th\u00e1i Lan v\u00e0 Malaysia. D\u1eef li\u1ec7u t\u1eeb C\u1ee5c Qu\u1ea3n l\u00fd Gi\u00e1m s\u00e1t B\u1ea3o hi\u1ec3m cho th\u1ea5y t\u1ef7 l\u1ec7 t\u0103ng tr\u01b0\u1edfng trung b\u00ecnh c\u1ee7a th\u00e2m nh\u1eadp trong 5 n\u0103m qua l\u00e0 0,14% m\u1ed7i n\u0103m, d\u1ef1 ki\u1ebfn \u0111\u1ea1t 3,8-4% v\u00e0o n\u0103m 2030.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>Ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt cho c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt c\u1ee7a c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m \u0111\u00f2i h\u1ecfi s\u1ef1 hi\u1ec3u bi\u1ebft v\u1ec1 c\u00e1c m\u00f4 h\u00ecnh gi\u00e1 v\u00e0 ch\u1ec9 b\u00e1o ph\u00f9 h\u1ee3p v\u1edbi \u0111\u1eb7c \u0111i\u1ec3m giao d\u1ecbch c\u1ee7a ng\u00e0nh. D\u1eef li\u1ec7u t\u1eeb 2019-2024 cho th\u1ea5y c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m th\u01b0\u1eddng c\u00f3 \u0111\u1ed9 bi\u1ebfn \u0111\u1ed9ng th\u1ea5p h\u01a1n 15-20% (Beta) so v\u1edbi VN-Index, nh\u01b0ng ph\u1ea3n \u1ee9ng m\u1ea1nh h\u01a1n v\u1edbi th\u00f4ng tin kinh t\u1ebf v\u0129 m\u00f4 li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>N\u1ec1n t\u1ea3ng Pocket Option cung c\u1ea5p b\u1ed9 c\u00f4ng c\u1ee5 &#8220;Ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt n\u00e2ng cao&#8221; v\u1edbi 15 ch\u1ec9 b\u00e1o \u0111\u01b0\u1ee3c t\u1ed1i \u01b0u h\u00f3a cho c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m. M\u1ed9t v\u00ed d\u1ee5 c\u1ee5 th\u1ec3 v\u1edbi c\u1ed5 phi\u1ebfu BVH trong qu\u00fd 1\/2024: RSI dao \u0111\u1ed9ng quanh m\u1ee9c 40-45, th\u1ea5p h\u01a1n ng\u01b0\u1ee1ng trung b\u00ecnh 50 nh\u01b0ng ch\u01b0a v\u00e0o v\u00f9ng qu\u00e1 b\u00e1n; \u0111\u01b0\u1eddng MACD \u0111ang h\u00ecnh th\u00e0nh t\u00edn hi\u1ec7u c\u1eaft l\u00ean tr\u00ean \u0111\u01b0\u1eddng t\u00edn hi\u1ec7u; trong khi d\u1ea3i Bollinger cho th\u1ea5y \u0111\u1ed9 h\u1eb9p tr\u01b0\u1edbc khi c\u00f3 kh\u1ea3 n\u0103ng b\u00f9ng n\u1ed5 bi\u1ebfn \u0111\u1ed9ng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Ch\u1ec9 b\u00e1o k\u1ef9 thu\u1eadt<\/th>\n<th>\u1ee8ng d\u1ee5ng cho c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m<\/th>\n<th>Gi\u00e1 tr\u1ecb tham chi\u1ebfu (BVH, 03\/2024)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>RSI (Ch\u1ec9 s\u1ed1 s\u1ee9c m\u1ea1nh t\u01b0\u01a1ng \u0111\u1ed1i)<\/td>\n<td>X\u00e1c \u0111\u1ecbnh \u0111i\u1ec1u ki\u1ec7n qu\u00e1 mua (&gt;70) ho\u1eb7c qu\u00e1 b\u00e1n (&lt;30)<\/td>\n<td>42,5 (v\u00f9ng trung l\u1eadp, xu h\u01b0\u1edbng gi\u1ea3m ch\u1eadm)<\/td>\n<\/tr>\n<tr>\n<td>\u0110\u01b0\u1eddng MACD<\/td>\n<td>X\u00e1c \u0111\u1ecbnh xu h\u01b0\u1edbng v\u00e0 \u0111i\u1ec3m \u0111\u1ea3o chi\u1ec1u<\/td>\n<td>-0,24 (h\u00ecnh th\u00e0nh t\u00edn hi\u1ec7u \u0111\u1ea3o chi\u1ec1u)<\/td>\n<\/tr>\n<tr>\n<td>D\u1ea3i Bollinger<\/td>\n<td>\u0110o l\u01b0\u1eddng \u0111\u1ed9 bi\u1ebfn \u0111\u1ed9ng v\u00e0 x\u00e1c \u0111\u1ecbnh v\u00f9ng h\u1ed7 tr\u1ee3\/kh\u00e1ng c\u1ef1<\/td>\n<td>\u0110\u1ed9 r\u1ed9ng: 15,2% (thu h\u1eb9p so v\u1edbi 22,5% th\u00e1ng tr\u01b0\u1edbc)<\/td>\n<\/tr>\n<tr>\n<td>\u0110\u01b0\u1eddng trung b\u00ecnh \u0111\u1ed9ng 50 v\u00e0 200 ng\u00e0y<\/td>\n<td>X\u00e1c \u0111\u1ecbnh xu h\u01b0\u1edbng d\u00e0i h\u1ea1n v\u00e0 \u0111i\u1ec3m Golden Cross\/Death Cross<\/td>\n<td>MA50: 56.200\u0111, MA200: 58.700\u0111 (Death Cross t\u1eeb 01\/2024)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>So s\u00e1nh c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m v\u1edbi c\u00e1c ng\u00e0nh kh\u00e1c<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>So s\u00e1nh gi\u1eefa c\u00e1c ng\u00e0nh gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u1ecbnh v\u1ecb c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m trong danh m\u1ee5c \u0111\u1ea7u t\u01b0 t\u1ed5ng th\u1ec3 c\u1ee7a h\u1ecd. D\u1eef li\u1ec7u th\u1ef1c t\u1ebf t\u1eeb th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam trong giai \u0111o\u1ea1n 2019-2024 cho th\u1ea5y nh\u1eefng \u0111\u1eb7c \u0111i\u1ec3m ri\u00eang bi\u1ec7t c\u1ee7a c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Ti\u00eau ch\u00ed<\/th>\n<th>C\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m<\/th>\n<th>Ng\u00e2n h\u00e0ng<\/th>\n<th>B\u1ea5t \u0111\u1ed9ng s\u1ea3n<\/th>\n<th>C\u00f4ng ngh\u1ec7<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>T\u0103ng tr\u01b0\u1edfng trung b\u00ecnh 5 n\u0103m (2019-2024)<\/td>\n<td>8,7%<\/td>\n<td>14,3%<\/td>\n<td>12,5%<\/td>\n<td>17,8%<\/td>\n<\/tr>\n<tr>\n<td>\u0110\u1ed9 bi\u1ebfn \u0111\u1ed9ng gi\u00e1 (\u0110\u1ed9 l\u1ec7ch chu\u1ea9n)<\/td>\n<td>22,4%<\/td>\n<td>26,8%<\/td>\n<td>35,2%<\/td>\n<td>38,7%<\/td>\n<\/tr>\n<tr>\n<td>L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c trung b\u00ecnh 2023<\/td>\n<td>6,2%<\/td>\n<td>3,8%<\/td>\n<td>2,7%<\/td>\n<td>1,1%<\/td>\n<\/tr>\n<tr>\n<td>H\u1ec7 s\u1ed1 Beta (so v\u1edbi VN-Index)<\/td>\n<td>0,84<\/td>\n<td>1,12<\/td>\n<td>1,25<\/td>\n<td>1,43<\/td>\n<\/tr>\n<tr>\n<td>P\/E trung b\u00ecnh hi\u1ec7n t\u1ea1i<\/td>\n<td>13,4<\/td>\n<td>10,8<\/td>\n<td>18,5<\/td>\n<td>22,3<\/td>\n<\/tr>\n<tr>\n<td>ROE trung b\u00ecnh 2023<\/td>\n<td>11,5%<\/td>\n<td>19,7%<\/td>\n<td>13,2%<\/td>\n<td>16,8%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m n\u1ed5i b\u1eadt v\u1edbi l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c cao nh\u1ea5t (6,2%) v\u00e0 \u0111\u1ed9 bi\u1ebfn \u0111\u1ed9ng th\u1ea5p nh\u1ea5t (h\u1ec7 s\u1ed1 Beta 0,84) trong s\u1ed1 c\u00e1c ng\u00e0nh \u0111\u01b0\u1ee3c so s\u00e1nh. M\u1eb7c d\u00f9 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng th\u1ea5p h\u01a1n so v\u1edbi ng\u00e0nh ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ngh\u1ec7, c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m cung c\u1ea5p s\u1ef1 \u1ed5n \u0111\u1ecbnh v\u00e0 thu nh\u1eadp c\u1ed5 t\u1ee9c \u0111\u1ec1u \u0111\u1eb7n, ph\u00f9 h\u1ee3p v\u1edbi chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 ph\u00f2ng th\u1ee7 v\u00e0 thu nh\u1eadp. Theo ph\u00e2n t\u00edch c\u1ee7a SSI Research (Q1\/2024), m\u1ed7i 1% t\u0103ng l\u00e3i su\u1ea5t tr\u00e1i phi\u1ebfu ch\u00ednh ph\u1ee7 c\u00f3 th\u1ec3 t\u0103ng \u0111\u1ecbnh gi\u00e1 c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m l\u00ean 5-7%.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Ph\u00e2n t\u00edch c\u01a1 b\u1ea3n c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m h\u00e0ng \u0111\u1ea7u Vi\u1ec7t Nam<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Ph\u00e2n t\u00edch chi ti\u1ebft 5 c\u00f4ng ty b\u1ea3o hi\u1ec3m h\u00e0ng \u0111\u1ea7u ni\u00eam y\u1ebft tr\u00ean th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n Vi\u1ec7t Nam d\u1ef1a tr\u00ean d\u1eef li\u1ec7u t\u00e0i ch\u00ednh t\u1eeb qu\u00fd 4\/2023 v\u00e0 qu\u00fd 1\/2024.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>M\u00e3 c\u1ed5 phi\u1ebfu<\/th>\n<th>C\u00f4ng ty<\/th>\n<th>P\/E<\/th>\n<th>P\/B<\/th>\n<th>ROE<\/th>\n<th>L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c<\/th>\n<th>T\u1ef7 l\u1ec7 k\u1ebft h\u1ee3p<\/th>\n<th>Bi\u00ean kh\u1ea3 n\u0103ng thanh to\u00e1n<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>BVH<\/td>\n<td>T\u1eadp \u0111o\u00e0n B\u1ea3o Vi\u1ec7t<\/td>\n<td>15,2<\/td>\n<td>1,8<\/td>\n<td>12,3%<\/td>\n<td>6,5%<\/td>\n<td>95,2%<\/td>\n<td>125%<\/td>\n<\/tr>\n<tr>\n<td>PVI<\/td>\n<td>PVI Holdings<\/td>\n<td>11,3<\/td>\n<td>1,5<\/td>\n<td>13,5%<\/td>\n<td>7,2%<\/td>\n<td>92,7%<\/td>\n<td>138%<\/td>\n<\/tr>\n<tr>\n<td>BMI<\/td>\n<td>B\u1ea3o Minh<\/td>\n<td>12,8<\/td>\n<td>1,3<\/td>\n<td>10,8%<\/td>\n<td>5,8%<\/td>\n<td>97,3%<\/td>\n<td>115%<\/td>\n<\/tr>\n<tr>\n<td>PGI<\/td>\n<td>PJICO<\/td>\n<td>13,5<\/td>\n<td>1,2<\/td>\n<td>9,7%<\/td>\n<td>6,0%<\/td>\n<td>98,4%<\/td>\n<td>112%<\/td>\n<\/tr>\n<tr>\n<td>PTI<\/td>\n<td>B\u1ea3o hi\u1ec3m B\u01b0u \u0111i\u1ec7n<\/td>\n<td>14,2<\/td>\n<td>1,4<\/td>\n<td>11,2%<\/td>\n<td>5,5%<\/td>\n<td>96,8%<\/td>\n<td>118%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>T\u1eadp \u0111o\u00e0n B\u1ea3o Vi\u1ec7t (BVH) duy tr\u00ec v\u1ecb tr\u00ed d\u1eabn \u0111\u1ea7u v\u1edbi 20,1% th\u1ecb ph\u1ea7n, m\u1ea1ng l\u01b0\u1edbi 76 c\u00f4ng ty th\u00e0nh vi\u00ean v\u00e0 h\u01a1n 200.000 \u0111\u1ea1i l\u00fd tr\u00ean to\u00e0n qu\u1ed1c. L\u1ee3i th\u1ebf c\u1ea1nh tranh c\u1ee7a BVH l\u00e0 s\u1ef1 h\u1ed7 tr\u1ee3 t\u1eeb T\u1eadp \u0111o\u00e0n Sumitomo Life (Nh\u1eadt B\u1ea3n, s\u1edf h\u1eefu 22,09%) v\u00e0 B\u1ed9 T\u00e0i ch\u00ednh (65%). T\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng doanh thu ph\u00ed b\u1ea3o hi\u1ec3m trong qu\u00fd 1\/2024 \u0111\u1ea1t 12,3% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc, nh\u01b0ng bi\u00ean l\u1ee3i nhu\u1eadn gi\u1ea3m 1,2% do \u00e1p l\u1ef1c c\u1ea1nh tranh v\u00e0 l\u1ee3i nhu\u1eadn \u0111\u1ea7u t\u01b0 gi\u1ea3m. BVH \u0111\u00e3 \u0111\u1eb7t m\u1ee5c ti\u00eau t\u0103ng tr\u01b0\u1edfng 14% cho n\u0103m 2024 v\u1edbi c\u00e1c chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea9y m\u1ea1nh s\u1ed1 h\u00f3a v\u00e0 m\u1edf r\u1ed9ng k\u00eanh bancassurance.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>PVI Holdings (PVI) n\u1ed5i b\u1eadt v\u1edbi ROE cao nh\u1ea5t ng\u00e0nh (13,5%) v\u00e0 t\u1ef7 l\u1ec7 k\u1ebft h\u1ee3p th\u1ea5p nh\u1ea5t (92,7%), ph\u1ea3n \u00e1nh hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng v\u01b0\u1ee3t tr\u1ed9i. C\u00f4ng ty c\u00f3 l\u1ee3i th\u1ebf c\u1ea1nh tranh t\u1eeb m\u1ed1i quan h\u1ec7 v\u1edbi T\u1eadp \u0111o\u00e0n D\u1ea7u kh\u00ed Vi\u1ec7t Nam (PVN s\u1edf h\u1eefu 35,5%) v\u00e0 HDI Global SE (\u0110\u1ee9c, s\u1edf h\u1eefu 53,92%). PVI \u0111\u1eb7c bi\u1ec7t m\u1ea1nh trong b\u1ea3o hi\u1ec3m d\u1ea7u kh\u00ed, h\u00e0ng h\u1ea3i v\u00e0 h\u00e0ng kh\u00f4ng v\u1edbi th\u1ecb ph\u1ea7n l\u00ean \u0111\u1ebfn 70% trong c\u00e1c l\u0129nh v\u1ef1c n\u00e0y. L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c cao nh\u1ea5t ng\u00e0nh (7,2%) k\u1ebft h\u1ee3p v\u1edbi \u0111\u1ecbnh gi\u00e1 P\/E th\u1ea5p (11,3) khi\u1ebfn PVI tr\u1edf th\u00e0nh l\u1ef1a ch\u1ecdn h\u1ea5p d\u1eabn cho c\u1ea3 nh\u00e0 \u0111\u1ea7u t\u01b0 gi\u00e1 tr\u1ecb v\u00e0 thu nh\u1eadp.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>\u0110\u00e1nh gi\u00e1 c\u00e1c ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh quan tr\u1ecdng<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Khi ph\u00e2n t\u00edch c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m, b\u1ed1n ch\u1ec9 s\u1ed1 \u0111\u1eb7c th\u00f9 ng\u00e0nh c\u1ea7n \u0111\u01b0\u1ee3c ph\u00e2n t\u00edch c\u00f9ng v\u1edbi c\u00e1c ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh th\u00f4ng th\u01b0\u1eddng:<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ef7 l\u1ec7 k\u1ebft h\u1ee3p: L\u00e0 th\u01b0\u1edbc \u0111o hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng, t\u1ed5ng chi ph\u00ed b\u1ed3i th\u01b0\u1eddng v\u00e0 chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng chia cho t\u1ed5ng ph\u00ed b\u1ea3o hi\u1ec3m. T\u1ef7 l\u1ec7 &lt; 100% cho th\u1ea5y c\u00f4ng ty c\u00f3 l\u1ee3i nhu\u1eadn t\u1eeb ho\u1ea1t \u0111\u1ed9ng b\u1ea3o hi\u1ec3m thu\u1ea7n t\u00fay, kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o thu nh\u1eadp \u0111\u1ea7u t\u01b0.<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ef7 l\u1ec7 b\u1ed3i th\u01b0\u1eddng: \u0110o l\u01b0\u1eddng chi ph\u00ed b\u1ed3i th\u01b0\u1eddng so v\u1edbi doanh thu ph\u00ed b\u1ea3o hi\u1ec3m. PVI c\u00f3 t\u1ef7 l\u1ec7 b\u1ed3i th\u01b0\u1eddng th\u1ea5p nh\u1ea5t ng\u00e0nh (45,3% so v\u1edbi trung b\u00ecnh ng\u00e0nh 52,8%).<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ef7 l\u1ec7 chi ph\u00ed: Ph\u1ea3n \u00e1nh hi\u1ec7u qu\u1ea3 qu\u1ea3n l\u00fd chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng. BMI \u0111ang c\u1ea3i thi\u1ec7n \u0111\u00e1ng k\u1ec3 ch\u1ec9 s\u1ed1 n\u00e0y, gi\u1ea3m t\u1eeb 41,2% xu\u1ed1ng 38,4% th\u00f4ng qua chi\u1ebfn l\u01b0\u1ee3c s\u1ed1 h\u00f3a quy tr\u00ecnh.<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Bi\u00ean kh\u1ea3 n\u0103ng thanh to\u00e1n: Kh\u1ea3 n\u0103ng \u0111\u00e1p \u1ee9ng c\u00e1c ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh, y\u00eau c\u1ea7u t\u1ed1i thi\u1ec3u theo quy \u0111\u1ecbnh m\u1edbi l\u00e0 110%. PVI d\u1eabn \u0111\u1ea7u v\u1edbi t\u1ef7 l\u1ec7 138%.<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>N\u1ec1n t\u1ea3ng Pocket Option cung c\u1ea5p c\u00f4ng c\u1ee5 &#8220;Ph\u00e2n t\u00edch ch\u1ec9 s\u1ed1 ng\u00e0nh b\u1ea3o hi\u1ec3m&#8221; cho ph\u00e9p theo d\u00f5i t\u1ea5t c\u1ea3 4 ch\u1ec9 s\u1ed1 n\u00e0y theo th\u1eddi gian th\u1ef1c v\u00e0 so s\u00e1nh gi\u1eefa c\u00e1c c\u00f4ng ty. \u0110\u1eb7c bi\u1ec7t, t\u00ednh n\u0103ng &#8220;B\u00e1o c\u00e1o xu h\u01b0\u1edbng ch\u1ec9 s\u1ed1 5 n\u0103m&#8221; gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 nh\u1eadn di\u1ec7n c\u00e1c xu h\u01b0\u1edbng d\u00e0i h\u1ea1n v\u00e0 d\u1ea5u hi\u1ec7u c\u1ea3nh b\u00e1o s\u1edbm v\u1ec1 c\u00e1c r\u1ee7i ro ti\u1ec1m \u1ea9n.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 cho c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>D\u1ef1a tr\u00ean ph\u00e2n t\u00edch d\u1eef li\u1ec7u l\u1ecbch s\u1eed t\u1eeb 2019-2024, ch\u00fang t\u00f4i \u0111\u00e3 ph\u00e1t tri\u1ec3n 4 chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 kh\u1ea3 thi cho c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m v\u1edbi c\u00e1c m\u1ee9c l\u1ee3i nhu\u1eadn v\u00e0 r\u1ee7i ro kh\u00e1c nhau.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 theo chu k\u1ef3 l\u00e3i su\u1ea5t<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Ph\u00e2n t\u00edch d\u1eef li\u1ec7u trong 10 n\u0103m qua cho th\u1ea5y m\u1ed1i t\u01b0\u01a1ng quan m\u1ea1nh m\u1ebd (h\u1ec7 s\u1ed1 t\u01b0\u01a1ng quan 0,72) gi\u1eefa l\u00e3i su\u1ea5t tr\u00e1i phi\u1ebfu ch\u00ednh ph\u1ee7 k\u1ef3 h\u1ea1n 10 n\u0103m v\u00e0 hi\u1ec7u su\u1ea5t c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m. Khi l\u00e3i su\u1ea5t t\u0103ng 1% t\u1eeb \u0111\u00e1y chu k\u1ef3, c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m c\u00f3 xu h\u01b0\u1edbng t\u0103ng trung b\u00ecnh 12-18% trong 6 th\u00e1ng ti\u1ebfp theo.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Giai \u0111o\u1ea1n l\u00e3i su\u1ea5t \u0111\u00e1y v\u00e0 b\u1eaft \u0111\u1ea7u t\u0103ng (hi\u1ec7n t\u1ea1i &#8211; Q2\/2024): T\u00edch l\u0169y d\u1ea7n c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m ch\u1ea5t l\u01b0\u1ee3ng cao, \u0111\u1eb7c bi\u1ec7t l\u00e0 BVH v\u00e0 PVI v\u1edbi t\u1ef7 tr\u1ecdng 15-20% danh m\u1ee5c.<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Giai \u0111o\u1ea1n l\u00e3i su\u1ea5t t\u0103ng m\u1ea1nh (d\u1ef1 ki\u1ebfn Q3\/2024-Q2\/2025): T\u0103ng t\u1ef7 tr\u1ecdng l\u00ean 25-30%, m\u1edf r\u1ed9ng sang c\u00e1c c\u1ed5 phi\u1ebfu c\u00f3 beta cao h\u01a1n nh\u01b0 BMI v\u00e0 PTI.<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Giai \u0111o\u1ea1n l\u00e3i su\u1ea5t \u0111\u1ec9nh: Duy tr\u00ec t\u1ef7 tr\u1ecdng nh\u01b0ng c\u00e2n \u0111\u1ed1i l\u1ea1i theo h\u01b0\u1edbng c\u1ed5 phi\u1ebfu c\u00f3 l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c cao.<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Giai \u0111o\u1ea1n l\u00e3i su\u1ea5t gi\u1ea3m: Gi\u1ea3m d\u1ea7n t\u1ef7 tr\u1ecdng xu\u1ed1ng 10%, \u01b0u ti\u00ean c\u1ed5 phi\u1ebfu c\u00f3 t\u1ef7 l\u1ec7 k\u1ebft h\u1ee3p th\u1ea5p v\u00e0 \u00edt ph\u1ee5 thu\u1ed9c v\u00e0o thu nh\u1eadp \u0111\u1ea7u t\u01b0.<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Theo d\u1ef1 b\u00e1o t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u chu k\u1ef3 t\u0103ng l\u00e3i su\u1ea5t v\u00e0o qu\u00fd 3\/2024 v\u1edbi m\u1ee9c t\u0103ng d\u1ef1 ki\u1ebfn 0,5-1,0%, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m trong 6-12 th\u00e1ng t\u1edbi.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Chi\u1ebfn l\u01b0\u1ee3c<\/th>\n<th>Th\u1eddi \u0111i\u1ec3m \u00e1p d\u1ee5ng<\/th>\n<th>M\u1ee5c ti\u00eau<\/th>\n<th>R\u1ee7i ro<\/th>\n<th>L\u1ee3i nhu\u1eadn k\u1ef3 v\u1ecdng<\/th>\n<th>C\u1ed5 phi\u1ebfu khuy\u1ebfn ngh\u1ecb<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>T\u00edch l\u0169y d\u00e0i h\u1ea1n<\/td>\n<td>Th\u1ecb tr\u01b0\u1eddng \u1ed5n \u0111\u1ecbnh (hi\u1ec7n t\u1ea1i)<\/td>\n<td>Thu nh\u1eadp c\u1ed5 t\u1ee9c + T\u0103ng gi\u00e1<\/td>\n<td>Th\u1ea5p-Trung b\u00ecnh<\/td>\n<td>12-15%\/n\u0103m<\/td>\n<td>BVH, PVI<\/td>\n<\/tr>\n<tr>\n<td>Giao d\u1ecbch theo chu k\u1ef3 l\u00e3i su\u1ea5t<\/td>\n<td>Q3\/2024-Q2\/2025<\/td>\n<td>L\u1ee3i nhu\u1eadn t\u1eeb bi\u1ebfn \u0111\u1ed9ng gi\u00e1<\/td>\n<td>Trung b\u00ecnh-Cao<\/td>\n<td>18-25%\/chu k\u1ef3<\/td>\n<td>BMI, PTI<\/td>\n<\/tr>\n<tr>\n<td>\u0110\u1ea7u t\u01b0 gi\u00e1 tr\u1ecb<\/td>\n<td>Khi P\/B &lt; 1,2 v\u00e0 ROE &gt; 10%<\/td>\n<td>Mua d\u01b0\u1edbi gi\u00e1 tr\u1ecb n\u1ed9i t\u1ea1i<\/td>\n<td>Trung b\u00ecnh<\/td>\n<td>20-30%\/2 n\u0103m<\/td>\n<td>PGI (hi\u1ec7n t\u1ea1i)<\/td>\n<\/tr>\n<tr>\n<td>Danh m\u1ee5c c\u1ed5 t\u1ee9c cao<\/td>\n<td>B\u1ea5t k\u1ef3 th\u1eddi \u0111i\u1ec3m n\u00e0o<\/td>\n<td>D\u00f2ng ti\u1ec1n \u1ed5n \u0111\u1ecbnh<\/td>\n<td>Th\u1ea5p<\/td>\n<td>7-9%\/n\u0103m<\/td>\n<td>PVI, BVH<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>X\u00e2y d\u1ef1ng chi\u1ebfn l\u01b0\u1ee3c danh m\u1ee5c \u0111\u1ea7u t\u01b0 \u0111a d\u1ea1ng v\u1edbi c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m v\u1eabn l\u00e0 c\u00e1ch ti\u1ebfp c\u1eadn hi\u1ec7u qu\u1ea3 nh\u1ea5t trong m\u00f4i tr\u01b0\u1eddng th\u1ecb tr\u01b0\u1eddng hi\u1ec7n t\u1ea1i. M\u00f4 h\u00ecnh ph\u00e2n b\u1ed5 khuy\u1ebfn ngh\u1ecb: 40% v\u00e0o c\u1ed5 phi\u1ebfu blue-chip (BVH), 30% v\u00e0o c\u1ed5 phi\u1ebfu c\u00f3 ROE cao (PVI), 20% v\u00e0o c\u1ed5 phi\u1ebfu c\u00f3 ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng (PTI), v\u00e0 10% v\u00e0o c\u1ed5 phi\u1ebfu c\u00f3 \u0111\u1ecbnh gi\u00e1 th\u1ea5p (PGI) \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a c\u1ea3 thu nh\u1eadp c\u1ed5 t\u1ee9c v\u00e0 ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>N\u1ec1n t\u1ea3ng Pocket Option cung c\u1ea5p c\u00f4ng c\u1ee5 &#8220;M\u00f4 ph\u1ecfng danh m\u1ee5c&#8221; cho ph\u00e9p b\u1ea1n th\u1eed nghi\u1ec7m c\u00e1c k\u1ecbch b\u1ea3n ph\u00e2n b\u1ed5 kh\u00e1c nhau v\u00e0 t\u00ednh to\u00e1n hi\u1ec7u su\u1ea5t k\u1ef3 v\u1ecdng d\u1ef1a tr\u00ean d\u1eef li\u1ec7u l\u1ecbch s\u1eed. Theo c\u00e1c m\u00f4 ph\u1ecfng t\u1eeb c\u00f4ng c\u1ee5 n\u00e0y, chi\u1ebfn l\u01b0\u1ee3c ph\u00e2n b\u1ed5 \u0111\u1ec1 xu\u1ea5t c\u00f3 th\u1ec3 mang l\u1ea1i l\u1ee3i nhu\u1eadn 14,5-16,8% trong 12 th\u00e1ng t\u1edbi v\u1edbi m\u1ee9c \u0111\u1ed9 r\u1ee7i ro (\u0111\u1ed9 l\u1ec7ch chu\u1ea9n) ch\u1ec9 15,2% &#8211; th\u1ea5p h\u01a1n 25% so v\u1edbi VN-Index.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>C\u01a1 h\u1ed9i v\u00e0 th\u00e1ch th\u1ee9c cho c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m t\u1ea1i Vi\u1ec7t Nam<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Ph\u00e2n t\u00edch SWOT cho c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam trong giai \u0111o\u1ea1n 2024-2025 d\u1ef1a tr\u00ean d\u1eef li\u1ec7u th\u1ecb tr\u01b0\u1eddng v\u00e0 xu h\u01b0\u1edbng ng\u00e0nh:<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>C\u01a1 h\u1ed9i:<\/li>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_2'>T\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp b\u1ea3o hi\u1ec3m th\u1ea5p (3% GDP) v\u1edbi ti\u1ec1m n\u0103ng t\u0103ng g\u1ea5p \u0111\u00f4i l\u00ean 6% v\u00e0o n\u0103m 2030 theo d\u1ef1 b\u00e1o c\u1ee7a Swiss Re<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_2'>T\u1ea7ng l\u1edbp trung l\u01b0u c\u1ee7a Vi\u1ec7t Nam d\u1ef1 ki\u1ebfn t\u0103ng t\u1eeb 25% l\u00ean 50% d\u00e2n s\u1ed1 v\u00e0o n\u0103m 2030, t\u1ea1o ra c\u01a1 s\u1edf kh\u00e1ch h\u00e0ng m\u1edbi<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_2'>Ngh\u1ecb \u0111\u1ecbnh 98\/2023\/N\u0110-CP c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1\/1\/2024 t\u1ea1o ra khung ph\u00e1p l\u00fd thu\u1eadn l\u1ee3i cho ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m m\u1edbi<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_2'>Chi ti\u00eau cho chuy\u1ec3n \u0111\u1ed5i s\u1ed1 c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m d\u1ef1 ki\u1ebfn t\u0103ng 35% h\u00e0ng n\u0103m trong giai \u0111o\u1ea1n 2024-2026, gi\u00fap gi\u1ea3m chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng 18-25%<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_2'>K\u00eanh ph\u00e2n ph\u1ed1i bancassurance t\u0103ng tr\u01b0\u1edfng 30-35%\/n\u0103m, m\u1edf r\u1ed9ng ph\u1ea1m vi kh\u00e1ch h\u00e0ng<\/li>\n<\/ul>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Th\u00e1ch th\u1ee9c:<\/li>\n<ul class='po-article-page__text po-article-page__text_no-margin po-list-lvl_2'>C\u1ea1nh tranh gay g\u1eaft v\u1edbi 18 c\u00f4ng ty b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd v\u00e0 19 c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111ang ho\u1ea1t \u0111\u1ed9ng<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_2'>Bi\u00ean l\u1ee3i nhu\u1eadn b\u1ecb \u1ea3nh h\u01b0\u1edfng khi chi ph\u00ed b\u1ed3i th\u01b0\u1eddng t\u0103ng 15,3% trong n\u0103m 2023 do l\u1ea1m ph\u00e1t chi ph\u00ed y t\u1ebf v\u00e0 ph\u1ee5 t\u00f9ng \u00f4 t\u00f4<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_2'>R\u1ee7i ro thi\u00ean tai gia t\u0103ng v\u1edbi thi\u1ec7t h\u1ea1i t\u1eeb l\u0169 l\u1ee5t n\u0103m 2023 l\u00ean \u0111\u1ebfn 13.000 t\u1ef7 VND, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn chi ph\u00ed t\u00e1i b\u1ea3o hi\u1ec3m<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_2'>Th\u00f4ng t\u01b0 120\/2023\/TT-BTC y\u00eau c\u1ea7u t\u0103ng 30% v\u1ed1n t\u1ed1i thi\u1ec3u t\u1eeb ng\u00e0y 1\/7\/2024, t\u1ea1o \u00e1p l\u1ef1c cho vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_2'>C\u1ea1nh tranh gi\u00e1 ng\u00e0y c\u00e0ng kh\u1ed1c li\u1ec7t l\u00e0m gi\u1ea3m bi\u00ean l\u1ee3i nhu\u1eadn 2,5-3,5% trong 2 n\u0103m qua<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Theo b\u00e1o c\u00e1o t\u1eeb Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m Vi\u1ec7t Nam v\u00e0 d\u1ef1 b\u00e1o c\u1ee7a Swiss Re, ng\u00e0nh b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam s\u1ebd duy tr\u00ec t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng k\u00e9p h\u00e0ng n\u0103m (CAGR) 15-18% trong giai \u0111o\u1ea1n 2024-2029, v\u1edbi b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u1ea1t 16-18% v\u00e0 b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd \u0111\u1ea1t 12-14%. \u0110\u1eb7c bi\u1ec7t, ph\u00e2n kh\u00fac b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe d\u1ef1 ki\u1ebfn t\u0103ng tr\u01b0\u1edfng nhanh nh\u1ea5t v\u1edbi CAGR 22-25% do nhu c\u1ea7u t\u0103ng sau \u0111\u1ea1i d\u1ecbch COVID-19.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Khuy\u1ebfn ngh\u1ecb \u0111\u1ea7u t\u01b0 c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m cho 2024-2025<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>D\u1ef1a tr\u00ean ph\u00e2n t\u00edch c\u01a1 b\u1ea3n, k\u1ef9 thu\u1eadt v\u00e0 xu h\u01b0\u1edbng ng\u00e0nh to\u00e0n di\u1ec7n, ch\u00fang t\u00f4i \u0111\u01b0a ra c\u00e1c khuy\u1ebfn ngh\u1ecb c\u1ee5 th\u1ec3 cho t\u1eebng c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m:<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>M\u00e3 c\u1ed5 phi\u1ebfu<\/th>\n<th>X\u1ebfp h\u1ea1ng<\/th>\n<th>Gi\u00e1 m\u1ee5c ti\u00eau (VND)<\/th>\n<th>Ti\u1ec1m n\u0103ng t\u0103ng\/gi\u1ea3m<\/th>\n<th>K\u1ebf ho\u1ea1ch h\u00e0nh \u0111\u1ed9ng c\u1ee5 th\u1ec3<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>BVH<\/td>\n<td>T\u00edch l\u0169y<\/td>\n<td>65.000-70.000<\/td>\n<td>+12-18%<\/td>\n<td>Mua d\u1ea7n trong v\u00f9ng 54.000-56.000, t\u0103ng t\u1ef7 tr\u1ecdng khi l\u00e3i su\u1ea5t b\u1eaft \u0111\u1ea7u t\u0103ng (Q3\/2024)<\/td>\n<\/tr>\n<tr>\n<td>PVI<\/td>\n<td>Mua<\/td>\n<td>52.000-55.000<\/td>\n<td>+22-27%<\/td>\n<td>Mua ngay v\u1edbi t\u1ef7 tr\u1ecdng 5-7% danh m\u1ee5c, t\u0103ng l\u00ean 10-12% n\u1ebfu gi\u00e1 \u0111i\u1ec1u ch\u1ec9nh v\u1ec1 41.000-42.000<\/td>\n<\/tr>\n<tr>\n<td>BMI<\/td>\n<td>Theo d\u00f5i<\/td>\n<td>32.000-35.000<\/td>\n<td>+7-12%<\/td>\n<td>Ch\u1edd k\u1ebft qu\u1ea3 kinh doanh Q2\/2024 tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh, v\u00f9ng mua h\u1ea5p d\u1eabn 27.000-28.000<\/td>\n<\/tr>\n<tr>\n<td>PGI<\/td>\n<td>Mua m\u1ed9t ph\u1ea7n<\/td>\n<td>30.000-32.000<\/td>\n<td>+15-22%<\/td>\n<td>T\u00edch l\u0169y d\u1ea7n khi gi\u00e1 \u0111\u1ea1t 25.000-26.000, t\u1ed1i \u0111a 5% t\u1ef7 tr\u1ecdng danh m\u1ee5c<\/td>\n<\/tr>\n<tr>\n<td>PTI<\/td>\n<td>Mua<\/td>\n<td>30.000-32.000<\/td>\n<td>+18-24%<\/td>\n<td>Mua ngay trong kho\u1ea3ng gi\u00e1 25.000-26.000, t\u1ef7 tr\u1ecdng 5-8% danh m\u1ee5c<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Chi\u1ebfn l\u01b0\u1ee3c ph\u00e2n b\u1ed5 t\u00e0i s\u1ea3n t\u1ed1i \u01b0u cho 2024-2025 d\u1ef1a tr\u00ean m\u00f4 h\u00ecnh \u0111\u1ecbnh l\u01b0\u1ee3ng c\u1ee7a Pocket Option l\u00e0: 40% ph\u00e2n b\u1ed5 v\u00e0o c\u1ed5 phi\u1ebfu blue-chip ph\u00f2ng th\u1ee7 (BVH), 35% v\u00e0o c\u1ed5 phi\u1ebfu c\u00f3 ROE cao v\u00e0 c\u1ed5 t\u1ee9c h\u1ea5p d\u1eabn (PVI), 15% v\u00e0o c\u1ed5 phi\u1ebfu t\u0103ng tr\u01b0\u1edfng nhanh nh\u1edd chi\u1ebfn l\u01b0\u1ee3c s\u1ed1 h\u00f3a (PTI), v\u00e0 10% v\u00e0o c\u1ed5 phi\u1ebfu c\u00f3 \u0111\u1ecbnh gi\u00e1 th\u1ea5p (PGI).<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1c m\u1ed1c th\u1eddi gian quan tr\u1ecdng c\u1ea7n theo d\u00f5i: (1) K\u1ebft qu\u1ea3 kinh doanh Q2\/2024 c\u00f4ng b\u1ed1 v\u00e0o th\u00e1ng 7\/2024; (2) Cu\u1ed9c h\u1ecdp \u1ee6y ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i v\u00e0o th\u00e1ng 8\/2024 c\u00f3 th\u1ec3 th\u00f4ng qua s\u1eeda \u0111\u1ed5i Lu\u1eadt Kinh doanh B\u1ea3o hi\u1ec3m; (3) C\u00e1c cu\u1ed9c h\u1ecdp ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 c\u1ee7a FED v\u00e0 SBV trong Q3\/2024 c\u00f3 th\u1ec3 b\u00e1o hi\u1ec7u xu h\u01b0\u1edbng l\u00e3i su\u1ea5t m\u1edbi.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00f4ng c\u1ee5 &#8220;B\u00e1o c\u00e1o ph\u00e2n t\u00edch c\u1ed5 phi\u1ebfu&#8221; c\u1ee7a Pocket Option cung c\u1ea5p c\u00e1c c\u1eadp nh\u1eadt th\u01b0\u1eddng xuy\u00ean v\u1ec1 c\u00e1c y\u1ebfu t\u1ed1 n\u00e0y, c\u00f9ng v\u1edbi c\u1ea3nh b\u00e1o khi gi\u00e1 c\u1ed5 phi\u1ebfu ch\u1ea1m v\u00f9ng mua\/b\u00e1n \u0111\u01b0\u1ee3c khuy\u1ebfn ngh\u1ecb. \u0110\u1eb7c bi\u1ec7t, t\u00ednh n\u0103ng &#8220;C\u1ea3nh b\u00e1o th\u00f4ng tin ng\u00e0nh&#8221; s\u1ebd th\u00f4ng b\u00e1o ngay khi c\u00f3 tin t\u1ee9c quan tr\u1ecdng c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m, gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh k\u1ecbp th\u1eddi.<\/p>\n<\/div>\n    <div class=\"po-container po-container_width_article\">\n        <a href=\"\/en\/quick-start\/\" class=\"po-line-banner po-article-page__line-banner\">\n            <svg class=\"svg-image po-line-banner__logo\" fill=\"currentColor\" width=\"auto\" height=\"auto\"\n                 aria-hidden=\"true\">\n                <use href=\"#svg-img-logo-white\"><\/use>\n            <\/svg>\n            <span class=\"po-line-banner__btn\"><\/span>\n        <\/a>\n    <\/div>\n    \n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>K\u1ebft lu\u1eadn<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m t\u1ea1i Vi\u1ec7t Nam \u0111\u1ea1i di\u1ec7n cho c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 h\u1ea5p d\u1eabn trong giai \u0111o\u1ea1n 2024-2025 v\u1edbi ba l\u1ee3i th\u1ebf c\u1ea1nh tranh ch\u00ednh: t\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp th\u1ea5p (3% GDP) v\u1edbi ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng l\u1edbn, l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c cao (5-7%) trong m\u00f4i tr\u01b0\u1eddng l\u00e3i su\u1ea5t th\u1ea5p, v\u00e0 kh\u1ea3 n\u0103ng h\u01b0\u1edfng l\u1ee3i t\u1eeb chu k\u1ef3 t\u0103ng l\u00e3i su\u1ea5t s\u1eafp t\u1edbi.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Ph\u00e2n t\u00edch chi ti\u1ebft cho th\u1ea5y PVI v\u00e0 PTI l\u00e0 hai c\u1ed5 phi\u1ebfu c\u00f3 ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng v\u01b0\u1ee3t tr\u1ed9i (22-27% v\u00e0 18-24%) nh\u1edd ROE cao, t\u1ef7 l\u1ec7 k\u1ebft h\u1ee3p t\u1ed1t v\u00e0 chi\u1ebfn l\u01b0\u1ee3c kinh doanh r\u00f5 r\u00e0ng. BVH ti\u1ebfp t\u1ee5c l\u00e0 l\u1ef1a ch\u1ecdn an to\u00e0n v\u1edbi t\u00ednh ph\u00f2ng th\u1ee7 cao v\u00e0 c\u1ed5 t\u1ee9c \u1ed5n \u0111\u1ecbnh. PGI \u0111\u1ea1i di\u1ec7n cho c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 gi\u00e1 tr\u1ecb v\u1edbi P\/B th\u1ea5p (1,2) v\u00e0 ti\u1ec1m n\u0103ng c\u1ea3i thi\u1ec7n bi\u00ean l\u1ee3i nhu\u1eadn t\u1eeb qu\u00e1 tr\u00ecnh t\u00e1i c\u1ea5u tr\u00fac.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>V\u1edbi d\u1ef1 b\u00e1o t\u0103ng tr\u01b0\u1edfng ng\u00e0nh 15-18%\/n\u0103m trong giai \u0111o\u1ea1n 2024-2029 v\u00e0 kh\u1ea3 n\u0103ng ch\u1ed1ng ch\u1ecbu t\u1ed1t trong m\u00f4i tr\u01b0\u1eddng kinh t\u1ebf bi\u1ebfn \u0111\u1ed9ng, c\u1ed5 phi\u1ebfu ng\u00e0nh b\u1ea3o hi\u1ec3m x\u1ee9ng \u0111\u00e1ng chi\u1ebfm 15-25% trong danh m\u1ee5c \u0111\u1ea7u t\u01b0 \u0111a d\u1ea1ng cho nh\u00e0 \u0111\u1ea7u t\u01b0 trung v\u00e0 d\u00e0i h\u1ea1n. Pocket Option cung c\u1ea5p c\u00e1c c\u00f4ng c\u1ee5 to\u00e0n di\u1ec7n \u0111\u1ec3 ph\u00e2n t\u00edch, theo d\u00f5i v\u00e0 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 th\u00f4ng minh cho ph\u00e2n kh\u00fac c\u1ed5 phi\u1ebfu n\u00e0y.<\/p>\n<\/div>\n"},"faq":[{"question":"C\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec v\u00e0 \u0111\u1eb7c \u0111i\u1ec3m n\u1ed5i b\u1eadt c\u1ee7a ch\u00fang l\u00e0 g\u00ec?","answer":"C\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m l\u00e0 ch\u1ee9ng kho\u00e1n c\u1ee7a c\u00e1c c\u00f4ng ty ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u00e0 phi nh\u00e2n th\u1ecd. \u0110\u1eb7c \u0111i\u1ec3m n\u1ed5i b\u1eadt bao g\u1ed3m: t\u1ef7 l\u1ec7 c\u1ed5 t\u1ee9c cao (trung b\u00ecnh 6,2% v\u00e0o n\u0103m 2023, cao nh\u1ea5t trong c\u00e1c ng\u00e0nh), \u0111\u1ed9 bi\u1ebfn \u0111\u1ed9ng th\u1ea5p (h\u1ec7 s\u1ed1 Beta l\u00e0 0,84), m\u1ed1i t\u01b0\u01a1ng quan m\u1ea1nh v\u1edbi l\u00e3i su\u1ea5t (h\u1ec7 s\u1ed1 t\u01b0\u01a1ng quan l\u00e0 0,72), v\u00e0 t\u00ednh ch\u1ea5t ph\u00f2ng th\u1ee7 trong danh m\u1ee5c \u0111\u1ea7u t\u01b0 (ROE \u1ed5n \u0111\u1ecbnh \u1edf m\u1ee9c 11,5% m\u1eb7c d\u00f9 \u0111i\u1ec1u ki\u1ec7n th\u1ecb tr\u01b0\u1eddng bi\u1ebfn \u0111\u1ed9ng)."},{"question":"C\u00f3 n\u00ean \u0111\u1ea7u t\u01b0 v\u00e0o c\u1ed5 phi\u1ebfu ng\u00e0nh b\u1ea3o hi\u1ec3m trong giai \u0111o\u1ea1n hi\u1ec7n t\u1ea1i kh\u00f4ng?","answer":"Giai \u0111o\u1ea1n Q2-Q3\/2024 thu\u1eadn l\u1ee3i \u0111\u1ec3 x\u00e2y d\u1ef1ng v\u1ecb th\u1ebf trong c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m v\u00ec ba l\u00fd do ch\u00ednh: (1) Vi\u1ec7t Nam \u0111ang \u1edf giai \u0111o\u1ea1n \u0111\u1ea7u c\u1ee7a chu k\u1ef3 t\u0103ng l\u00e3i su\u1ea5t d\u1ef1 ki\u1ebfn b\u1eaft \u0111\u1ea7u t\u1eeb Q3\/2024; (2) \u0110\u1ecbnh gi\u00e1 ng\u00e0nh hi\u1ec7n \u0111ang \u1edf m\u1ee9c h\u1ee3p l\u00fd v\u1edbi P\/E trung b\u00ecnh l\u00e0 13.4 (th\u1ea5p h\u01a1n 10-15% so v\u1edbi trung b\u00ecnh 5 n\u0103m); (3) T\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp b\u1ea3o hi\u1ec3m \u0111\u1ea1t 3% GDP t\u1ea1o ra ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng l\u1edbn, d\u1ef1 ki\u1ebfn \u0111\u1ea1t CAGR 15-18% trong giai \u0111o\u1ea1n 2024-2029 theo d\u1ef1 b\u00e1o c\u1ee7a Swiss Re."},{"question":"C\u00e1ch ph\u00e2n t\u00edch v\u00e0 \u0111\u00e1nh gi\u00e1 c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m?","answer":"\u0110\u1ec3 ph\u00e2n t\u00edch hi\u1ec7u qu\u1ea3 c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m, nh\u00e0 \u0111\u1ea7u t\u01b0 n\u00ean ch\u00fa \u00fd \u0111\u1ebfn b\u1ed1n nh\u00f3m ch\u1ec9 s\u1ed1: (1) Ch\u1ec9 s\u1ed1 \u0111\u1eb7c th\u00f9 ng\u00e0nh: t\u1ef7 l\u1ec7 k\u1ebft h\u1ee3p (<100% l\u00e0 t\u1ed1t), t\u1ef7 l\u1ec7 b\u1ed3i th\u01b0\u1eddng, t\u1ef7 l\u1ec7 chi ph\u00ed, bi\u00ean \u0111\u1ed9 kh\u1ea3 n\u0103ng thanh to\u00e1n (>120% l\u00e0 an to\u00e0n); (2) Ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh c\u01a1 b\u1ea3n: P\/E, P\/B, ROE, t\u1ef7 l\u1ec7 c\u1ed5 t\u1ee9c; (3) Ch\u1ec9 s\u1ed1 k\u1ef9 thu\u1eadt: RSI, MACD, \u0111\u01b0\u1eddng MA 50\/200; (4) Y\u1ebfu t\u1ed1 kinh t\u1ebf v\u0129 m\u00f4: l\u00e3i su\u1ea5t, t\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp b\u1ea3o hi\u1ec3m, thay \u0111\u1ed5i quy \u0111\u1ecbnh. N\u1ec1n t\u1ea3ng Pocket Option cung c\u1ea5p c\u00f4ng c\u1ee5 \"Ph\u00e2n T\u00edch Ch\u1ec9 S\u1ed1 Ng\u00e0nh B\u1ea3o Hi\u1ec3m\" \u0111\u1ec3 gi\u00fap theo d\u00f5i t\u1ea5t c\u1ea3 c\u00e1c ch\u1ec9 s\u1ed1 n\u00e0y \u0111\u1ed3ng th\u1eddi."},{"question":"Nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0o \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn gi\u00e1 c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m t\u1ea1i Vi\u1ec7t Nam?","answer":"N\u0103m y\u1ebfu t\u1ed1 ch\u00ednh \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn gi\u00e1 c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam: (1) L\u00e3i su\u1ea5t - m\u1ed7i khi l\u00e3i su\u1ea5t tr\u00e1i phi\u1ebfu ch\u00ednh ph\u1ee7 t\u0103ng 1% c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n thu nh\u1eadp \u0111\u1ea7u t\u01b0 t\u1eeb 8-12%; (2) T\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp b\u1ea3o hi\u1ec3m - hi\u1ec7n t\u1ea1i l\u00e0 3%, t\u0103ng tr\u01b0\u1edfng 0,14% m\u1ed7i n\u0103m; (3) Hi\u1ec7u qu\u1ea3 qu\u1ea3n l\u00fd r\u1ee7i ro, th\u1ec3 hi\u1ec7n qua t\u1ef7 l\u1ec7 b\u1ed3i th\u01b0\u1eddng (trung b\u00ecnh ng\u00e0nh gi\u1ea3m t\u1eeb 35,7% xu\u1ed1ng 32,4% v\u00e0o n\u0103m 2023); (4) Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 t\u1eeb v\u1ed1n ph\u00ed b\u1ea3o hi\u1ec3m; (5) Y\u00eau c\u1ea7u quy \u0111\u1ecbnh, \u0111\u1eb7c bi\u1ec7t l\u00e0 Th\u00f4ng t\u01b0 120\/2023\/TT-BTC v\u1ec1 t\u0103ng v\u1ed1n t\u1ed1i thi\u1ec3u c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1 th\u00e1ng 7 n\u0103m 2024."},{"question":"Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 n\u00e0o hi\u1ec7u qu\u1ea3 nh\u1ea5t cho c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m trong giai \u0111o\u1ea1n 2024-2025?","answer":"Chi\u1ebfn l\u01b0\u1ee3c t\u1ed1i \u01b0u k\u1ebft h\u1ee3p 4 ph\u01b0\u01a1ng ph\u00e1p v\u1edbi t\u1ef7 tr\u1ecdng ph\u00f9 h\u1ee3p: (1) \u0110\u1ea7u t\u01b0 theo chu k\u1ef3 l\u00e3i su\u1ea5t - d\u1ea7n d\u1ea7n t\u00edch l\u0169y trong Q2\/2024 v\u00e0 t\u0103ng t\u1ef7 tr\u1ecdng khi l\u00e3i su\u1ea5t t\u0103ng trong Q3\/2024-Q2\/2025; (2) X\u00e2y d\u1ef1ng danh m\u1ee5c \u0111\u1ea7u t\u01b0 \u0111a d\u1ea1ng v\u1edbi t\u1ef7 l\u1ec7: 40% c\u1ed5 phi\u1ebfu blue-chip (BVH), 35% c\u1ed5 phi\u1ebfu c\u00f3 ROE cao (PVI), 15% c\u1ed5 phi\u1ebfu t\u0103ng tr\u01b0\u1edfng (PTI), 10% c\u1ed5 phi\u1ebfu \u0111\u1ecbnh gi\u00e1 th\u1ea5p (PGI); (3) \u0110\u1eb7t gi\u00e1 mua t\u1ea1i c\u00e1c v\u00f9ng h\u1ed7 tr\u1ee3 k\u1ef9 thu\u1eadt m\u1ea1nh: BVH (54,000-56,000), PVI (41,000-42,000), PTI (25,000-26,000); (4) S\u1eed d\u1ee5ng c\u00f4ng c\u1ee5 \"Investment Portfolio Simulation\" t\u1eeb Pocket Option \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a ph\u00e2n b\u1ed5 t\u00e0i s\u1ea3n theo m\u1ee5c ti\u00eau r\u1ee7i ro-l\u1ee3i nhu\u1eadn c\u00e1 nh\u00e2n."}],"faq_source":{"label":"FAQ","type":"repeater","formatted_value":[{"question":"C\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec v\u00e0 \u0111\u1eb7c \u0111i\u1ec3m n\u1ed5i b\u1eadt c\u1ee7a ch\u00fang l\u00e0 g\u00ec?","answer":"C\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m l\u00e0 ch\u1ee9ng kho\u00e1n c\u1ee7a c\u00e1c c\u00f4ng ty ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u00e0 phi nh\u00e2n th\u1ecd. \u0110\u1eb7c \u0111i\u1ec3m n\u1ed5i b\u1eadt bao g\u1ed3m: t\u1ef7 l\u1ec7 c\u1ed5 t\u1ee9c cao (trung b\u00ecnh 6,2% v\u00e0o n\u0103m 2023, cao nh\u1ea5t trong c\u00e1c ng\u00e0nh), \u0111\u1ed9 bi\u1ebfn \u0111\u1ed9ng th\u1ea5p (h\u1ec7 s\u1ed1 Beta l\u00e0 0,84), m\u1ed1i t\u01b0\u01a1ng quan m\u1ea1nh v\u1edbi l\u00e3i su\u1ea5t (h\u1ec7 s\u1ed1 t\u01b0\u01a1ng quan l\u00e0 0,72), v\u00e0 t\u00ednh ch\u1ea5t ph\u00f2ng th\u1ee7 trong danh m\u1ee5c \u0111\u1ea7u t\u01b0 (ROE \u1ed5n \u0111\u1ecbnh \u1edf m\u1ee9c 11,5% m\u1eb7c d\u00f9 \u0111i\u1ec1u ki\u1ec7n th\u1ecb tr\u01b0\u1eddng bi\u1ebfn \u0111\u1ed9ng)."},{"question":"C\u00f3 n\u00ean \u0111\u1ea7u t\u01b0 v\u00e0o c\u1ed5 phi\u1ebfu ng\u00e0nh b\u1ea3o hi\u1ec3m trong giai \u0111o\u1ea1n hi\u1ec7n t\u1ea1i kh\u00f4ng?","answer":"Giai \u0111o\u1ea1n Q2-Q3\/2024 thu\u1eadn l\u1ee3i \u0111\u1ec3 x\u00e2y d\u1ef1ng v\u1ecb th\u1ebf trong c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m v\u00ec ba l\u00fd do ch\u00ednh: (1) Vi\u1ec7t Nam \u0111ang \u1edf giai \u0111o\u1ea1n \u0111\u1ea7u c\u1ee7a chu k\u1ef3 t\u0103ng l\u00e3i su\u1ea5t d\u1ef1 ki\u1ebfn b\u1eaft \u0111\u1ea7u t\u1eeb Q3\/2024; (2) \u0110\u1ecbnh gi\u00e1 ng\u00e0nh hi\u1ec7n \u0111ang \u1edf m\u1ee9c h\u1ee3p l\u00fd v\u1edbi P\/E trung b\u00ecnh l\u00e0 13.4 (th\u1ea5p h\u01a1n 10-15% so v\u1edbi trung b\u00ecnh 5 n\u0103m); (3) T\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp b\u1ea3o hi\u1ec3m \u0111\u1ea1t 3% GDP t\u1ea1o ra ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng l\u1edbn, d\u1ef1 ki\u1ebfn \u0111\u1ea1t CAGR 15-18% trong giai \u0111o\u1ea1n 2024-2029 theo d\u1ef1 b\u00e1o c\u1ee7a Swiss Re."},{"question":"C\u00e1ch ph\u00e2n t\u00edch v\u00e0 \u0111\u00e1nh gi\u00e1 c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m?","answer":"\u0110\u1ec3 ph\u00e2n t\u00edch hi\u1ec7u qu\u1ea3 c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m, nh\u00e0 \u0111\u1ea7u t\u01b0 n\u00ean ch\u00fa \u00fd \u0111\u1ebfn b\u1ed1n nh\u00f3m ch\u1ec9 s\u1ed1: (1) Ch\u1ec9 s\u1ed1 \u0111\u1eb7c th\u00f9 ng\u00e0nh: t\u1ef7 l\u1ec7 k\u1ebft h\u1ee3p (<100% l\u00e0 t\u1ed1t), t\u1ef7 l\u1ec7 b\u1ed3i th\u01b0\u1eddng, t\u1ef7 l\u1ec7 chi ph\u00ed, bi\u00ean \u0111\u1ed9 kh\u1ea3 n\u0103ng thanh to\u00e1n (>120% l\u00e0 an to\u00e0n); (2) Ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh c\u01a1 b\u1ea3n: P\/E, P\/B, ROE, t\u1ef7 l\u1ec7 c\u1ed5 t\u1ee9c; (3) Ch\u1ec9 s\u1ed1 k\u1ef9 thu\u1eadt: RSI, MACD, \u0111\u01b0\u1eddng MA 50\/200; (4) Y\u1ebfu t\u1ed1 kinh t\u1ebf v\u0129 m\u00f4: l\u00e3i su\u1ea5t, t\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp b\u1ea3o hi\u1ec3m, thay \u0111\u1ed5i quy \u0111\u1ecbnh. N\u1ec1n t\u1ea3ng Pocket Option cung c\u1ea5p c\u00f4ng c\u1ee5 \"Ph\u00e2n T\u00edch Ch\u1ec9 S\u1ed1 Ng\u00e0nh B\u1ea3o Hi\u1ec3m\" \u0111\u1ec3 gi\u00fap theo d\u00f5i t\u1ea5t c\u1ea3 c\u00e1c ch\u1ec9 s\u1ed1 n\u00e0y \u0111\u1ed3ng th\u1eddi."},{"question":"Nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0o \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn gi\u00e1 c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m t\u1ea1i Vi\u1ec7t Nam?","answer":"N\u0103m y\u1ebfu t\u1ed1 ch\u00ednh \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn gi\u00e1 c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam: (1) L\u00e3i su\u1ea5t - m\u1ed7i khi l\u00e3i su\u1ea5t tr\u00e1i phi\u1ebfu ch\u00ednh ph\u1ee7 t\u0103ng 1% c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n thu nh\u1eadp \u0111\u1ea7u t\u01b0 t\u1eeb 8-12%; (2) T\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp b\u1ea3o hi\u1ec3m - hi\u1ec7n t\u1ea1i l\u00e0 3%, t\u0103ng tr\u01b0\u1edfng 0,14% m\u1ed7i n\u0103m; (3) Hi\u1ec7u qu\u1ea3 qu\u1ea3n l\u00fd r\u1ee7i ro, th\u1ec3 hi\u1ec7n qua t\u1ef7 l\u1ec7 b\u1ed3i th\u01b0\u1eddng (trung b\u00ecnh ng\u00e0nh gi\u1ea3m t\u1eeb 35,7% xu\u1ed1ng 32,4% v\u00e0o n\u0103m 2023); (4) Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 t\u1eeb v\u1ed1n ph\u00ed b\u1ea3o hi\u1ec3m; (5) Y\u00eau c\u1ea7u quy \u0111\u1ecbnh, \u0111\u1eb7c bi\u1ec7t l\u00e0 Th\u00f4ng t\u01b0 120\/2023\/TT-BTC v\u1ec1 t\u0103ng v\u1ed1n t\u1ed1i thi\u1ec3u c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1 th\u00e1ng 7 n\u0103m 2024."},{"question":"Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 n\u00e0o hi\u1ec7u qu\u1ea3 nh\u1ea5t cho c\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m trong giai \u0111o\u1ea1n 2024-2025?","answer":"Chi\u1ebfn l\u01b0\u1ee3c t\u1ed1i \u01b0u k\u1ebft h\u1ee3p 4 ph\u01b0\u01a1ng ph\u00e1p v\u1edbi t\u1ef7 tr\u1ecdng ph\u00f9 h\u1ee3p: (1) \u0110\u1ea7u t\u01b0 theo chu k\u1ef3 l\u00e3i su\u1ea5t - d\u1ea7n d\u1ea7n t\u00edch l\u0169y trong Q2\/2024 v\u00e0 t\u0103ng t\u1ef7 tr\u1ecdng khi l\u00e3i su\u1ea5t t\u0103ng trong Q3\/2024-Q2\/2025; (2) X\u00e2y d\u1ef1ng danh m\u1ee5c \u0111\u1ea7u t\u01b0 \u0111a d\u1ea1ng v\u1edbi t\u1ef7 l\u1ec7: 40% c\u1ed5 phi\u1ebfu blue-chip (BVH), 35% c\u1ed5 phi\u1ebfu c\u00f3 ROE cao (PVI), 15% c\u1ed5 phi\u1ebfu t\u0103ng tr\u01b0\u1edfng (PTI), 10% c\u1ed5 phi\u1ebfu \u0111\u1ecbnh gi\u00e1 th\u1ea5p (PGI); (3) \u0110\u1eb7t gi\u00e1 mua t\u1ea1i c\u00e1c v\u00f9ng h\u1ed7 tr\u1ee3 k\u1ef9 thu\u1eadt m\u1ea1nh: BVH (54,000-56,000), PVI (41,000-42,000), PTI (25,000-26,000); (4) S\u1eed d\u1ee5ng c\u00f4ng c\u1ee5 \"Investment Portfolio Simulation\" t\u1eeb Pocket Option \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a ph\u00e2n b\u1ed5 t\u00e0i s\u1ea3n theo m\u1ee5c ti\u00eau r\u1ee7i ro-l\u1ee3i nhu\u1eadn c\u00e1 nh\u00e2n."}]}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.8 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>C\u1ed5 phi\u1ebfu b\u1ea3o hi\u1ec3m: Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 hi\u1ec7u 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