Gui tiet kiem bang USD co loi hon VND
Hien nay lai suat USD tren thi truong quoc te ky han 12 thang khoang 2,16-2,2%. Con cac ngan hang thuong mai trong nuoc chi huy dong o muc 1,9-2%/nam. Trong khi lai suat VND cung ky han khoang 7,8-8,04%/nam. Neu tinh yeu to lam phat, thi gui tiet kiem bang VND co loi hon boi chi so lam phat cua VND tu dau nam toi nay la 2,8% con lam phat cua USD la 2-3%/nam. Nhu vay, voi ty le lam phat nay, gui bang VND thi co lai con gui bang USD chi hoa von hoac bi lo. Truong hop, nguoi tiet kiem co tai san bang USD, neu mao hiem co the dem lai loi tuc nhieu hon thong qua dau tu bang dong euro. Dong euro len gia trong 6 thang qua, tang tu 0,8913 USD/1 euro len toi 0,993 USD/euro. Du bao, dong euro se len gia tiep do nen kinh te khu vuc EU phuc hoi nhanh hon nen kinh te My. Va lai suat dong euro con tang cao hon so voi dong USD. Hien tai, lai suat euro ky han 1 nam la 3,65-3,7%/nam, chi so lam phat euro cung tu 2-3%/nam. Neu ai manh dan chuyen doi USD sang euro tu dau nam 2002 va gui ky han 6 thang thi ho duoc huong lai suat 2% trong khi lai suat USD cung ky han la 1,4-1,5%. Ngoai ra, nguoi gui bang euro con nhan duoc chenh lech ty gia co loi khi chuyen doi sang USD. Hon nua, theo du bao, kinh te My chua co dau hieu phuc hoi on dinh, do do ky vong lai suat tang tro lai trong thoi gian toi la rat thap. (Theo Cong Nghiep) |
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