{"id":11310,"date":"2026-05-01T16:43:43","date_gmt":"2026-05-01T09:43:43","guid":{"rendered":"https:\/\/taichinhphowall.com\/index.php\/2026\/05\/01\/hien-dai-hoa-dau-tu-vang-mieng-thong-qua-nen-tang-fintech\/"},"modified":"2026-05-01T16:43:43","modified_gmt":"2026-05-01T09:43:43","slug":"hien-dai-hoa-dau-tu-vang-mieng-thong-qua-nen-tang-fintech","status":"publish","type":"post","link":"https:\/\/taichinhphowall.com\/index.php\/2026\/05\/01\/hien-dai-hoa-dau-tu-vang-mieng-thong-qua-nen-tang-fintech\/","title":{"rendered":"Hi\u1ec7n \u0111\u1ea1i h\u00f3a \u0111\u1ea7u t\u01b0 v\u00e0ng mi\u1ebfng th\u00f4ng qua n\u1ec1n t\u1ea3ng fintech"},"content":{"rendered":"
\n

Vi\u1ec7c s\u1edf h\u1eefu v\u00e0ng v\u1eadt ch\u1ea5t t\u1eeb l\u00e2u \u0111\u00e3 \u0111\u01b0\u1ee3c xem l\u00e0 “h\u1ea7m tr\u00fa \u1ea9n” an to\u00e0n nh\u1ea5t trong th\u1ebf gi\u1edbi t\u00e0i ch\u00ednh \u0111\u1ea7y bi\u1ebfn \u0111\u1ed9ng, th\u1ebf nh\u01b0ng r\u00e0o c\u1ea3n v\u1ec1 quy c\u00e1ch l\u01b0u tr\u1eef v\u00e0 chi ph\u00ed ti\u1ebfp c\u1eadn \u0111\u00e3 v\u00f4 t\u00ecnh t\u1ea1o ra m\u1ed9t kho\u1ea3ng c\u00e1ch l\u1edbn gi\u1eefa v\u00e0ng v\u00e0 th\u1ebf h\u1ec7 nh\u00e0 \u0111\u1ea7u t\u01b0 hi\u1ec7n \u0111\u1ea1i. S\u1ef1 ra \u0111\u1eddi c\u1ee7a Goldwise \u2013 n\u1ec1n t\u1ea3ng fintech \u0111\u01b0\u1ee3c d\u1eabn d\u1eaft b\u1edfi nh\u1eefng c\u1ef1u \u0111i\u1ec1u h\u00e0nh t\u1eeb The Royal Mint \u2013 kh\u00f4ng ch\u1ec9 d\u1eebng l\u1ea1i \u1edf m\u1ed9t \u1ee9ng d\u1ee5ng giao d\u1ecbch th\u00f4ng th\u01b0\u1eddng, m\u00e0 n\u00f3 \u0111\u00e1nh d\u1ea5u m\u1ed9t cu\u1ed9c c\u00e1ch m\u1ea1ng trong c\u00e1ch th\u1ee9c ch\u00fang ta ti\u1ebfp c\u1eadn v\u1edbi kim lo\u1ea1i qu\u00fd. Khi kh\u1ea3 n\u0103ng s\u1edf h\u1eefu v\u00e0ng mi\u1ebfng, b\u1ea1c, b\u1ea1ch kim v\u00e0 palladium \u0111\u01b0\u1ee3c chia nh\u1ecf \u0111\u1ebfn m\u1ee9c t\u1ed1i thi\u1ec3u ch\u1ec9 5 b\u1ea3ng Anh, th\u1ecb tr\u01b0\u1eddng \u0111ang ch\u1ee9ng ki\u1ebfn s\u1ef1 chuy\u1ec3n d\u1ecbch m\u1ea1nh m\u1ebd t\u1eeb s\u1edf h\u1eefu v\u1eadt l\u00fd truy\u1ec1n th\u1ed1ng sang qu\u1ea3n tr\u1ecb t\u00e0i s\u1ea3n s\u1ed1 h\u00f3a m\u1ed9t c\u00e1ch tinh g\u1ecdn.<\/p>\n

\n \"\u0110\u1ea7u
\u1ea2nh t\u1eeb ngu\u1ed3n: thefintechtimes.com<\/em><\/figcaption><\/figure>\n

Khi c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh ph\u00e1 b\u1ecf r\u00e0o c\u1ea3n c\u1ee7a kim lo\u1ea1i qu\u00fd<\/h2>\n

L\u1ecbch s\u1eed giao d\u1ecbch kim lo\u1ea1i qu\u00fd lu\u00f4n g\u1eafn li\u1ec1n v\u1edbi nh\u1eefng kho ti\u1ec1n ki\u00ean c\u1ed1 v\u00e0 c\u00e1c quy tr\u00ecnh ki\u1ec3m \u0111\u1ecbnh kh\u1eaft khe. Tuy nhi\u00ean, s\u1ef1 xu\u1ea5t hi\u1ec7n c\u1ee7a c\u00e1c n\u1ec1n t\u1ea3ng nh\u01b0 Goldwise cho th\u1ea5y m\u1ed9t xu h\u01b0\u1edbng kh\u00f4ng th\u1ec3 \u0111\u1ea3o ng\u01b0\u1ee3c: d\u00e2n ch\u1ee7 h\u00f3a t\u00e0i s\u1ea3n l\u01b0u tr\u1eef. B\u1eb1ng c\u00e1ch \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 s\u1ed5 c\u00e1i hi\u1ec7n \u0111\u1ea1i v\u00e0o vi\u1ec7c qu\u1ea3n l\u00fd quy\u1ec1n s\u1edf h\u1eefu v\u00e0ng mi\u1ebfng, c\u00e1c nh\u00e0 s\u00e1ng l\u1eadp t\u1eeb The Royal Mint \u0111ang th\u1ef1c hi\u1ec7n h\u00f3a tham v\u1ecdng \u0111\u01b0a v\u00e0ng tr\u1edf th\u00e0nh m\u1ed9t c\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh linh ho\u1ea1t nh\u01b0 c\u1ed5 phi\u1ebfu hay ch\u1ee9ng ch\u1ec9 qu\u1ef9. \u0110i\u1ec1u n\u00e0y kh\u00f4ng ch\u1ec9 gi\u1ea3i quy\u1ebft n\u1ed7i lo v\u1ec1 chi ph\u00ed b\u1ea3o qu\u1ea3n hay r\u1ee7i ro tr\u1ed9m c\u1eafp cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n, m\u00e0 c\u00f2n m\u1edf ra m\u1ed9t ch\u01b0\u01a1ng m\u1edbi cho th\u1ecb tr\u01b0\u1eddng khi kim lo\u1ea1i qu\u00fd kh\u00f4ng c\u00f2n l\u00e0 “\u0111\u1eb7c quy\u1ec1n” c\u1ee7a nh\u1eefng ng\u01b0\u1eddi s\u1edf h\u1eefu v\u1ed1n l\u1edbn.<\/p>\n

B\u1ea3n ch\u1ea5t c\u1ee7a s\u1ef1 chuy\u1ec3n d\u1ecbch trong qu\u1ea3n tr\u1ecb danh m\u1ee5c t\u00e0i s\u1ea3n<\/h2>\n

S\u1ee9c m\u1ea1nh c\u1ee7a nh\u1eefng n\u1ec1n t\u1ea3ng fintech n\u00e0y kh\u00f4ng n\u1eb1m \u1edf b\u1ea3n th\u00e2n kim lo\u1ea1i qu\u00fd, m\u00e0 n\u1eb1m \u1edf tr\u1ea3i nghi\u1ec7m ng\u01b0\u1eddi d\u00f9ng trong vi\u1ec7c t\u1ed1i \u01b0u h\u00f3a qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n. Khi m\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 mua, qu\u1ea3n l\u00fd v\u00e0 b\u00e1n c\u00e1c ph\u1ea7n nh\u1ecf c\u1ee7a v\u00e0ng mi\u1ebfng v\u1edbi s\u1ed1 v\u1ed1n ch\u1ec9 t\u1eeb 5 b\u1ea3ng, ch\u00fang ta \u0111ang ch\u1ee9ng ki\u1ebfn s\u1ef1 thay \u0111\u1ed5i trong t\u00e2m l\u00fd \u0111\u1ea7u t\u01b0. Thay v\u00ec t\u00edch tr\u1eef v\u00e0ng trong k\u00e9t s\u1eaft \u0111\u1ec3 ch\u1edd \u0111\u1ee3i s\u1ef1 t\u0103ng gi\u00e1 \u0111\u01a1n thu\u1ea7n, nh\u00e0 \u0111\u1ea7u t\u01b0 hi\u1ec7n nay c\u00f3 xu h\u01b0\u1edbng xoay v\u00f2ng v\u1ed1n, k\u1ebft h\u1ee3p v\u00e0ng v\u00e0o danh m\u1ee5c \u0111a t\u00e0i s\u1ea3n m\u1ed9t c\u00e1ch linh ho\u1ea1t. \u0110\u00e2y l\u00e0 m\u1ed9t b\u01b0\u1edbc ti\u1ebfn quan tr\u1ecdng trong c\u1ea5u tr\u00fac t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n, n\u01a1i v\u00e0ng kh\u00f4ng c\u00f2n l\u00e0 “t\u00e0i s\u1ea3n ch\u1ebft” m\u00e0 tr\u1edf th\u00e0nh m\u1ed9t th\u00e0nh ph\u1ea7n \u0111\u1ed9ng trong h\u1ec7 sinh th\u00e1i \u0111\u1ea7u t\u01b0 s\u1ed1.<\/p>\n

T\u00e1c \u0111\u1ed9ng v\u0129 m\u00f4 v\u00e0 s\u1ef1 h\u00ecnh th\u00e0nh c\u1ee7a d\u00f2ng v\u1ed1n s\u1ed1 m\u1edbi<\/h2>\n

Nh\u00ecn v\u00e0o b\u1ee9c tranh v\u0129 m\u00f4, vi\u1ec7c d\u1ec5 d\u00e0ng ti\u1ebfp c\u1eadn v\u00e0ng th\u00f4ng qua c\u00e1c \u1ee9ng d\u1ee5ng fintech s\u1ebd l\u00e0m t\u0103ng \u0111\u00e1ng k\u1ec3 t\u00ednh thanh kho\u1ea3n c\u1ee7a th\u1ecb tr\u01b0\u1eddng kim lo\u1ea1i qu\u00fd. Khi h\u00e0ng tri\u1ec7u nh\u00e0 \u0111\u1ea7u t\u01b0 nh\u1ecf l\u1ebb tham gia v\u00e0o th\u1ecb tr\u01b0\u1eddng th\u00f4ng qua c\u00e1c c\u00fa ch\u1ea1m tr\u00ean m\u00e0n h\u00ecnh \u0111i\u1ec7n tho\u1ea1i, s\u1ef1 bi\u1ebfn \u0111\u1ed9ng c\u1ee7a gi\u00e1 v\u00e0ng mi\u1ebfng s\u1ebd ph\u1ea3n \u00e1nh ch\u00ednh x\u00e1c h\u01a1n t\u00e2m l\u00fd th\u1ecb tr\u01b0\u1eddng to\u00e0n c\u1ea7u. \u0110i\u1ec1u n\u00e0y t\u1ea1o ra m\u1ed9t \u00e1p l\u1ef1c c\u1ea1nh tranh t\u1ef1 nhi\u00ean \u0111\u1ed1i v\u1edbi c\u00e1c k\u00eanh \u0111\u1ea7u t\u01b0 truy\u1ec1n th\u1ed1ng, \u0111\u1ed3ng th\u1eddi bu\u1ed9c c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh l\u1edbn ph\u1ea3i thay \u0111\u1ed5i m\u00f4 h\u00ecnh cung \u1ee9ng v\u00e0ng mi\u1ebfng \u0111\u1ec3 th\u00edch nghi v\u1edbi nhu c\u1ea7u s\u1ed1 h\u00f3a. D\u00f2ng v\u1ed1n ch\u1ea3y v\u00e0o c\u00e1c n\u1ec1n t\u1ea3ng n\u00e0y c\u0169ng ph\u1ea3n \u00e1nh m\u1ed9t xu h\u01b0\u1edbng l\u1edbn h\u01a1n, n\u01a1i ni\u1ec1m tin c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111ang d\u1ea7n chuy\u1ec3n t\u1eeb c\u00e1c t\u1edd gi\u1ea5y b\u1ea1c ti\u1ec1m \u1ea9n r\u1ee7i ro l\u1ea1m ph\u00e1t sang nh\u1eefng t\u00e0i s\u1ea3n c\u00f3 gi\u00e1 tr\u1ecb n\u1ed9i t\u1ea1i \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o b\u1edfi c\u00f4ng ngh\u1ec7.<\/p>\n

Nh\u1eadn di\u1ec7n k\u1ecbch b\u1ea3n t\u0103ng tr\u01b0\u1edfng cho v\u00e0ng mi\u1ebfng trong 3 \u0111\u1ebfn 6 th\u00e1ng t\u1edbi<\/h2>\n

Trong v\u00f2ng 3 \u0111\u1ebfn 6 th\u00e1ng t\u1edbi, th\u1ecb tr\u01b0\u1eddng s\u1ebd ch\u1ee9ng ki\u1ebfn s\u1ef1 ph\u00e2n h\u00f3a r\u00f5 r\u1ec7t gi\u1eefa v\u00e0ng mi\u1ebfng truy\u1ec1n th\u1ed1ng v\u00e0 v\u00e0ng s\u1ed1 h\u00f3a. Trong khi v\u00e0ng v\u1eadt l\u00fd v\u1eabn gi\u1eef vai tr\u00f2 l\u00e0 “m\u1ecf neo” gi\u00e1 tr\u1ecb, th\u00ec c\u00e1c n\u1ec1n t\u1ea3ng fintech s\u1ebd chi\u1ebfm l\u0129nh ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng tr\u1ebb, nh\u1eefng ng\u01b0\u1eddi \u01b0u ti\u00ean t\u00ednh ti\u1ec7n d\u1ee5ng v\u00e0 kh\u1ea3 n\u0103ng giao d\u1ecbch nhanh ch\u00f3ng. D\u1ef1 b\u00e1o, c\u00e1c \u1ee9ng d\u1ee5ng n\u00e0y s\u1ebd th\u00fac \u0111\u1ea9y m\u1ed9t l\u01b0\u1ee3ng thanh kho\u1ea3n kh\u00f4ng nh\u1ecf t\u1eeb th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7 sang th\u1ecb tr\u01b0\u1eddng kim lo\u1ea1i qu\u00fd, t\u1ea1o n\u00ean m\u1ed9t “c\u01a1n s\u00f3ng ng\u1ea7m” n\u00e2ng \u0111\u1ee1 gi\u00e1 tr\u1ecb d\u00e0i h\u1ea1n. Nh\u00e0 \u0111\u1ea7u t\u01b0 kh\u00f4ng n\u00ean nh\u00ecn nh\u1eadn \u0111\u00e2y l\u00e0 m\u1ed9t cu\u1ed9c ch\u01a1i ng\u1eafn h\u1ea1n, m\u00e0 l\u00e0 m\u1ed9t s\u1ef1 chu\u1ea9n b\u1ecb h\u1ea1 t\u1ea7ng cho th\u1eddi k\u1ef3 bi\u1ebfn \u0111\u1ed9ng ti\u1ec1n t\u1ec7 ti\u1ebfp theo, n\u01a1i m\u00e0 vi\u1ec7c s\u1edf h\u1eefu m\u1ed9t ph\u1ea7n v\u00e0ng mi\u1ebfng s\u1ebd tr\u1edf th\u00e0nh ti\u00eau chu\u1ea9n b\u1eaft bu\u1ed9c cho m\u1ecdi danh m\u1ee5c t\u00e0i s\u1ea3n b\u1ec1n v\u1eefng.<\/p>\n

L\u1eddi khuy\u00ean th\u1ef1c chi\u1ebfn cho nh\u00e0 \u0111\u1ea7u t\u01b0 trong k\u1ef7 nguy\u00ean fintech<\/h2>\n

\u0110\u1ed1i v\u1edbi nh\u1eefng nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1ea1i taichinhphowall.com, vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c n\u1ec1n t\u1ea3ng nh\u01b0 Goldwise kh\u00f4ng n\u00ean ch\u1ec9 d\u1eebng l\u1ea1i \u1edf vi\u1ec7c th\u1eed nghi\u1ec7m c\u00f4ng ngh\u1ec7. H\u00e3y xem \u0111\u00e2y l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 \u0111\u1eafc l\u1ef1c \u0111\u1ec3 trung b\u00ecnh h\u00f3a chi ph\u00ed s\u1edf h\u1eefu v\u00e0ng mi\u1ebfng (DCA – Dollar Cost Averaging). Vi\u1ec7c chia nh\u1ecf kho\u1ea3n \u0111\u1ea7u t\u01b0 th\u00e0nh c\u00e1c ph\u1ea7n nh\u1ecf gi\u00fap gi\u1ea3m thi\u1ec3u r\u1ee7i ro bi\u1ebfn \u0111\u1ed9ng gi\u00e1 trong ng\u1eafn h\u1ea1n v\u00e0 t\u1ea1o ra m\u1ed9t th\u00f3i quen t\u00edch l\u0169y t\u00e0i s\u1ea3n \u0111\u1ec1u \u0111\u1eb7n. Tuy nhi\u00ean, d\u00f9 c\u00f4ng ngh\u1ec7 c\u00f3 hi\u1ec7n \u0111\u1ea1i \u0111\u1ebfn \u0111\u00e2u, nguy\u00ean t\u1eafc c\u1ed1t l\u00f5i c\u1ee7a m\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0 th\u00f4ng th\u00e1i v\u1eabn l\u00e0 s\u1ef1 hi\u1ec3u bi\u1ebft v\u1ec1 b\u1ea3n ch\u1ea5t c\u1ee7a t\u00e0i s\u1ea3n. H\u00e3y lu\u00f4n ki\u1ec3m tra c\u00e1c c\u01a1 ch\u1ebf b\u1ea3o ch\u1ee9ng v\u1eadt ch\u1ea5t, ph\u00ed d\u1ecbch v\u1ee5 v\u00e0 uy t\u00edn c\u1ee7a \u0111\u1ed9i ng\u0169 v\u1eadn h\u00e0nh tr\u01b0\u1edbc khi r\u00f3t v\u1ed1n. C\u00f4ng ngh\u1ec7 ch\u1ec9 l\u00e0 ph\u01b0\u01a1ng ti\u1ec7n \u0111\u1ec3 \u0111\u1ea1t \u0111\u1ebfn m\u1ee5c ti\u00eau, c\u00f2n s\u1ef1 k\u1ef7 lu\u1eadt trong chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 m\u1edbi l\u00e0 y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh s\u1ef1 th\u00e0nh b\u1ea1i.<\/p>\n

S\u1ef1 chuy\u1ec3n d\u1ecbch n\u00e0y kh\u00f4ng ch\u1ec9 l\u00e0 chuy\u1ec7n c\u1ee7a c\u00e1c n\u1ec1n t\u1ea3ng fintech t\u1ea1i Anh, m\u00e0 n\u00f3 c\u00f2n l\u00e0 h\u1ed3i chu\u00f4ng b\u00e1o hi\u1ec7u cho s\u1ef1 thay \u0111\u1ed5i v\u1ec1 t\u01b0 duy qu\u1ea3n tr\u1ecb t\u00e0i s\u1ea3n tr\u00ean ph\u1ea1m vi to\u00e0n c\u1ea7u, n\u01a1i m\u1ecdi gi\u00e1 tr\u1ecb \u0111\u1ec1u c\u1ea7n \u0111\u01b0\u1ee3c s\u1ed1 h\u00f3a \u0111\u1ec3 \u0111\u1ea1t \u0111\u1ebfn hi\u1ec7u su\u1ea5t cao nh\u1ea5t.<\/p>\n

B\u00e0i vi\u1ebft \u0111\u00e3 \u0111\u01b0\u1ee3c bi\u00ean t\u1eadp l\u1ea1i t\u1eeb ngu\u1ed3n: thefintechtimes.com<\/em><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Vi\u1ec7c s\u1edf h\u1eefu v\u00e0ng v\u1eadt ch\u1ea5t t\u1eeb l\u00e2u \u0111\u00e3 \u0111\u01b0\u1ee3c xem l\u00e0 “h\u1ea7m tr\u00fa \u1ea9n” an to\u00e0n nh\u1ea5t trong th\u1ebf gi\u1edbi t\u00e0i ch\u00ednh \u0111\u1ea7y bi\u1ebfn \u0111\u1ed9ng, th\u1ebf nh\u01b0ng r\u00e0o c\u1ea3n v\u1ec1 quy c\u00e1ch l\u01b0u tr\u1eef v\u00e0 chi ph\u00ed ti\u1ebfp c\u1eadn \u0111\u00e3 v\u00f4 t\u00ecnh t\u1ea1o ra m\u1ed9t kho\u1ea3ng c\u00e1ch l\u1edbn gi\u1eefa v\u00e0ng v\u00e0 th\u1ebf h\u1ec7 nh\u00e0 […]<\/p>\n","protected":false},"author":1,"featured_media":11309,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[63],"tags":[],"class_list":["post-11310","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cong-nghe-tai-chinh-va-doi-moi"],"_links":{"self":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts\/11310","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/comments?post=11310"}],"version-history":[{"count":0,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts\/11310\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/media\/11309"}],"wp:attachment":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/media?parent=11310"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/categories?post=11310"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/tags?post=11310"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}