Lãi suất thấp, giá nhà cao, vàng “nhảy múa”, cơ hội tích lũy tài sản của người dân Việt ngày càng xa vời
Có một quy luật thường thấy là sau mỗi lần kết thúc chu kỳ thu nhập bất thường, thu lợi từ các tài sản rủi ro cao, đầu cơ, kinh tế ngầm sẽ là lúc các loại tài sản dễ được sử dụng làm công cụ rửa tiền tăng giá (vàng, ngoại tệ, crypto).
Nhờ những thành quả tăng trưởng kinh tế trong hơn 2 thập kỷ gần đây, Việt Nam ngày nay đã là một quốc gia được xếp vào nhóm thu nhập trung bình thấp. Từ năm 2002 đến 2020, GDP đầu người tăng 3.6 lần, đạt gần 3,700 USD. Mặc dù không thể phủ nhận những thành tựu kinh tế trong thời gian qua đã làm thay đổi bộ mặt đất nước, mức sống của người dân ngày càng được nâng cao, tuy nhiên, thực tế đi kèm với tăng trưởng kinh tế là sự gia tăng chênh lệch giàu nghèo.
Qua những giai đoạn kinh tế tăng trưởng cao, thị trường bất động sản, chứng khoán sôi động, Việt Nam đã hình thành nên một tầng lớp người giàu và siêu giàu. Theo báo cáo thịnh vượng hàng năm của Knight Frank, Việt Nam có khoảng 72,000 triệu phú (sở hữu tài sản ròng từ 1 triệu USD trở lên) năm 2021. Con số này có lẽ thực tế sẽ còn cao hơn do tình trạng sử dụng, dự trữ tiền mặt, vàng, ngoại tệ và những hoạt động kinh tế phi tiêu chuẩn vẫn còn chiếm tỷ trọng cao.
Tuy nhiên, nếu đặt bên cạnh một vài con số thống kê khác như thu nhập bình quân của 20% dân số giàu nhất cao gấp 7.6 lần so với nhóm 20% nghèo nhất (theo số liệu của Tổng cục thống kê năm 2022) và ngay cả 20% giàu nhất, thu nhập cũng chỉ khoảng 120 triệu đồng/năm (~5,000 USD) cho thấy rằng thành quả, sự thịnh vượng kinh tế trong suốt thời gian qua không dành cho số đông. Có lẽ chỉ một số ít người thu được lợi ích từ các giai đoạn lãi suất thấp, tiền “rẻ”, thị trường chứng khoán, bất động sản bùng nổ. Có lẽ con số này thấp hơn con số 1 triệu tài khoản chứng khoán đang hoạt động hiện nay (tức là chỉ chiếm khoảng 1% dân số Việt Nam).
Trong khi tầng lớp nhà giàu và siêu giàu đang tìm cách để giữ tài sản của mình, chuyển giao cho thế hệ tiếp theo (sự nở rộ của các mô hình quản lý tài sản từ ngân hàng, công ty chứng khoán, công ty quản lý quỹ), thì đại bộ phận người dân (99% còn lại) bao gồm tầng lớp công nhân, tiểu thương nhỏ lẻ, công chức nhà nước, lực lượng vũ trang, nội trợ hưu trí, vẫn đang chật vật với bài toán tích lũy tài sản để có căn nhà đầu tiên hay có khoản tiền tiết kiệm đủ để lo cho mình khi về già. Đối với những người này, môi trường lãi suất thấp hóa ra lại là một làn gió ngược.
Tiền gửi tiết kiệm: Theo số liệu của Ngân hàng Nhà nước (NHNN), tính tới tháng 9/2023, quy mô tiền gửi dân cư tại các Ngân hàng Thương mại (NHTM) chạm mức 6.5 triệu tỷ đồng, tăng trưởng 10% so với đầu năm. Tính tới 30/12/2023, mặt bằng lãi suất tiết kiệm của các NHTM đã giảm khoảng 2.5% so với đầu năm (bắt đầu giảm từ tháng 5/2023). Như vậy, trong năm 2023, so với mặt bằng lãi suất đầu năm, người gửi tiết kiệm đã bị hụt đi số tiền lên tới 50,000 tỷ đồng. Mặc dù lãi suất tiết kiệm đã xuống thấp hơn cả mức trong giai đoạn COVID-19, trực tiếp “ăn” vào dòng tiền hưu trí hàng tháng của người dân, nhưng tiền tiết kiệm vẫn không ngừng đổ vào hệ thống ngân hàng do người dân không còn kênh tích lũy nào khác để đặt niềm tin.
Tích lũy vào bất động sản: Sử dụng đòn bẩy tài chính (chủ yếu từ hệ thống ngân hàng) để “lướt lát” đầu cơ BĐS là cuộc chơi của một số ít người trong nghề, có am hiểu, có tin tức, có mối quan hệ. Cách tiếp cận của đại bộ phận người lao động rất khác. Họ sử dụng tiền tiết kiệm (có thể vay thêm nhưng không nhiều và nghiêm khắc tuân thủ kỷ luật tài chính) để mua bất động sản dựa trên nhu cầu ở thực, bất động sản có khả năng tạo ra dòng tiền hoặc bất động sản tiềm năng có giá hợp lý.
Tất cả các yếu tố này hầu như đều không tồn tại trên thị trường hiện nay: Cung về BĐS bình dân hầu như không có, thị trường tràn ngập BĐS cao cấp là công cụ đầu cơ của những “tay chơi”; BĐS đất nền bị bơm thổi giá trên trời, không có tiềm năng tạo ra dòng tiền, không đem lại giá trị cho nền kinh tế nhưng đang được thế chấp tại ngân hàng nên giá rất khó giảm. Môi trường lãi suất thấp là cứu cánh, là điều kiện để các doanh nghiệp BĐS, dân đầu cơ tiếp tục “gồng” để hy vọng vào phép màu trong tương lai, tuy nhiên nó làm hại tới chính túi tiền của đại bộ phận dân chúng gửi tiết kiệm, từ đó ảnh hưởng ngược lên sức cầu.
Tích lũy vào vàng: Vàng là một loại tài sản đặc biệt mang tính phòng thủ trong những giai đoạn bất ổn của kinh tế. Lịch sử cũng đã chứng minh giá trị của vàng trong việc chống lại lạm phát trong kỷ nguyên của tiền giấy pháp định (tiền Fiat). Do đó, vàng luôn có trong danh mục tài sản tích lũy của mọi nền kinh tế, điều này đặc biệt đúng đối với người dân châu Á, trong đó có người Việt Nam. Tuy nhiên, trong một giai đoạn dài, sự yêu thích vàng đã bị triệt tiêu bớt bởi chính sách chống đô la hóa, chống vàng hóa của NHNN, tạo ra một sự chênh lệch giữa giá vàng trong nước và giá vàng thế giới duy trì trong một thời gian dài. Điều này có tác dụng thúc đẩy một phần nguồn vốn lẽ ra tích lũy vào vàng ra nền kinh tế nhưng không ngăn được các đợt đầu cơ giá vàng. Bởi lẽ, cũng như kênh chứng khoán, đầu cơ vàng không phải là cuộc chơi dành cho số đông, nhu cầu tích lũy tài sản chính đáng của người dân sẽ là ổn định hàng năm và không thể tạo ra các cơn sốt giá.
Tuy nhiên, việc tích tụ nhu cầu nhiều năm không được đáp ứng đã tạo nên một môi trường lý tưởng cho các đợt đầu cơ. Có một quy luật thường thấy là sau mỗi lần kết thúc chu kỳ thu nhập bất thường, thu lợi từ các tài sản rủi ro cao, đầu cơ, kinh tế ngầm sẽ là lúc các loại tài sản dễ được sử dụng làm công cụ rửa tiền tăng giá (vàng, ngoại tệ, crypto). Với những người đã kiếm gấp đôi, gấp ba trên thị trường chứng khoán, tiền ảo thì việc giá vàng tăng 5-10% trong một vài phiên sẽ không phải là vấn đề, nhất là khi họ có một niềm tin kiên định vào giá trị của vàng theo thời gian. Người chịu thiệt cuối cùng chính là những người mong muốn sử dụng vàng như một kênh tích lũy và phòng thủ trước biến động bất định của tương lai.
Đại bộ phận tầng lớp trung lưu, lực lượng lao động chủ yếu cũng đồng thời là lực lượng tạo nên sức cầu của nền kinh tế cần phải được bảo vệ trước lạm phát (đó cũng chính là vai trò tối thượng của các NHTW) và phải được tạo điều kiện, cho cơ hội để tích lũy tài sản dưới nhiều hình thức khác nhau hợp pháp, bởi đó chính là cơ sở của sức cầu. Kích cầu sẽ không hiệu quả nếu như cơ sở của cầu là tích lũy tài sản không được bảo vệ. Tình trạng này cũng tương tự như người ốm lạm dụng nước tăng lực như một giải pháp tạm thời, nhưng hiệu quả sẽ giảm dần theo thời gian, đến một thời điểm nào đó sẽ không còn tác dụng, và rất có thể còn để lại những hậu quả nặng nề, lâu dài đối với sức khỏe trong tương lai.
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Clay soils kind a compact lump and retain their form.
The notion that diversity in an early group is essential or good is completely mistaken.
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Jr. shared credit score on Operación 67), and the one writers who worked on greater than one among this quartet had been Fernando Osés and Rafael García Travesí (who had shared credit on two each).
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In his closing years, he had lived on 37-acre (15 ha) plot of land in Parkman, Maine.
The glass transition could also be described as analogous to a second-order part transition where the intensive thermodynamic variables such because the thermal expansivity and heat capacity are discontinuous.
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After being chosen for the World Cup, Kawashima began as the primary selection goalkeeper for the Samurai Blue and helped Japan beat Colombia 2-1 on the first match of the group stage.
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As a brush dipped in paint, the typebar catches some of that ink after which strikes the paper, leaving an inked impression of the character.
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127. A pair of ladies pause on a terrace that overlooks a lake.
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These embrace Père Noël in France, St.
Nature was seen as all of the more engaging if it contained signs of the grand aspirations, ideals and follies of humankind.
Ladders and instruments. Like grills, ladders and instruments take up space and will rust.
The clerk says positive, but it costs “two fifty.” The woman hands over her bank card, gets the recipe, then later realizes she’s been charged $250, not $2.50, as she’d assumed.
269. Two illustrations of ladies’s hats (head and shoulder portraits).
Yu-Da is the “black rabbit” whose liver is said to have special immortality powers.
Equally experimental across other mediums, Clarke’s painting practice was additionally inspired by technology.
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Her work reflected use of slab glass, cross-hatching and colours of the Arts and Crafts movement.
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The expertise of their immersive colour prompted critics to explain them as the color Area of stained glass.
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A set of silver desk objects from the ’30s and ’40s displayed on a glass-topped table, a pair of salvaged finials on the mantel, or a grouping of dusky however pretty pottery (also from the ’30s and ’40s) lined up well like soldiers in a constructed-in bookcase.
The sheet, nonetheless smooth, is pushed into the open mouth of an annealing tunnel or temperature-controlled oven known as a lehr, down which it was carried by a system of rollers.
You may or may not be shocked to know that there is a variety of Star Wars stuff in Japan.
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An older sibling stands by and watches small songbirds flutter round in a cage.
The east window of 1405 was glazed by John Thornton and is the biggest intact medieval window on the earth.
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Both are seen in engaging lengthy-layered dresses (one has grow to be discoloured over time).
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He concluded that the rationale that 19th-century glass lacked brilliance was because it was too flat and common, permitting the light to pass by way of straight.
260. A younger bride is fitted out in her long white bridal gown, with an extended flowing veil.
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Darth Bane (Dessel) was a human Darkish Lord of the Sith and the only survivor of the Sith Order in the aftermath of the historic conflict between the Jedi and the Sith.
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The storm additionally caused large power outages in southeastern Pennsylvania and New Jersey.
Tennessee is the third-largest hydroelectric energy-producing state east of the Rocky Mountains.
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The rooks and bishops had been shortly exchanged, and further consolidation resulted in a queen-and-pawn endgame with Carlsen up two pawns.
He was born as the son of Leia Organa and Han Solo, and educated below his uncle, Luke Skywalker, to change into a Jedi, however was seduced to the dark side by Snoke.
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A petition calling for the freshmen who gathered in the group to be despatched dwelling gained near 3,500 signatures.
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Greenhalgh, Paul (2020). Ceramic, Art and Civilisation.
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Glass objects have additionally been found at Beed, Sirkap and Sirsukh, all dating to across the fifth century BCE.
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Anabolic Steroids: A Comprehensive Overview
Anabolic steroids are a class of synthetic drugs that mimic the effects of testosterone, one of the body’s naturally produced hormones. They are often used by athletes, bodybuilders, and individuals seeking to enhance muscle growth, physical performance, and overall appearance.
Here’s what you need to know about anabolic steroids:
Types of Anabolic Steroids
Anabolic steroids can be categorized into two main types based on their chemical structure:
– Testosterone-derived: Includes hormones like methyltestosterone, dihydrotestosterone (DHT), and others.
– Synthetic anabolic steroids: These are lab-created compounds designed to mimic the effects of testosterone but have more potent and varied effects.
How Do They Work?
Anabolic steroids work by binding to androgen receptors in cells, signaling the body to produce more proteins, which leads to muscle growth. They also increase the production of red blood cells and can affect other hormone systems in the body.
The Benefits
– Muscle growth and strength
– Improved physical performance
– Enhanced recovery after exercise
– Better mental clarity and mood
Risks and Side Effects
The use of anabolic steroids is not without risks. Potential side effects include:
– Acne and skin irritation
– Hair loss
– Aggressive behavior
– Liver damage
– Testosterone dependency
– Edema (swelling)
– Cardiovascular issues
How to Detect Anabolic Steroid Use
Athletes and individuals may be tested for steroid use through urine tests, blood tests, or other analytical methods. These tests can detect the presence of steroids or their metabolites in the body.
Anabolic Steroids: Legal Status
The possession, distribution, or use of anabolic steroids without a legitimate medical reason is illegal in many countries. They are classified as controlled substances under international law.
Always consult with a healthcare professional before using any steroid or hormone supplement to ensure your safety and understand the potential risks. Misuse of these compounds can lead to serious health consequences.
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A List of the Major Anabolic Steroids and Everything You Wanted to Know About Them
From testosterone to HGH—here are the most popular drugs used in the bodybuilding community, broken down.
Anadrol
Anadrol, also known as Oxandrolone, is a synthetic steroid that imitates the effects of testosterone. It’s commonly used for muscle growth and strength gains. While it’s effective, it also carries notable side effects like hepatotoxicity and hormonal imbalance.
Anavar
Anavar (Oxibole) is another powerful anabolic steroid that helps in increasing muscle mass and reducing fat deposits. It’s often used during cutting phases due to its ability to preserve lean muscle while shedding excess body fat.
Arimidex
Arimidex, a derivative of anabolic steroids, is primarily used to combat estrogen-related side effects in steroid cycles. It helps in maintaining a healthier ratio of anabolic to antagonistic hormones.
Clenbuterol
Clenbuterol is a beta-agonist that works by increasing the rate at which fat is burned, making it a popular choice for cutting and lean muscle gains. However, its misuse can lead to cardiac issues and other health complications.
Deca-Durabolin
Deca-Durabolin, or nandrolone, is known for its ability to promote muscle growth and recovery. It’s often used in steroid cycles to enhance performance, though it can also have serious side effects like liver damage.
Dianabol
Dianabol, one of the most well-known anabolic steroids, is designed to mimic the hormone testosterone, promoting muscle growth and strength. However, its use is associated with severe health risks, including cardiovascular issues.
Equipoise
Equipoise (boldenone) is a steroid that’s used for its ability to increase protein synthesis and muscle mass. While it’s popular among athletes, its misuse can lead to significant liver damage and hormonal imbalance.
HGH (Human Growth Hormone)
HGH is naturally produced in the body by the pituitary gland and is essential for growth and development. In bodybuilding circles, synthetic HGH is often used to enhance muscle growth and recovery, though its misuse can result in severe health consequences.
Proviron
Proviron (methyltestosterone) is a synthetic steroid that’s used to treat conditions like hypogonadism. In bodybuilding, it’s also used to boost testosterone levels and enhance muscle growth, though it can cause a range of side effects.
Testosterone
Testosterone is the primary hormone responsible for muscle growth, fat metabolism, and overall vitality. While there are numerous forms of synthetic testosterone available, their misuse can lead to serious health risks like testicular atrophy and cardiovascular issues.
Trenbolone
Trenbolone is a potent anabolic steroid that’s used for its ability to stimulate muscle growth and fat loss. It’s often employed in cutting cycles but carries significant risks, including liver damage and psychological effects.
Winstrol
Winstrol (stanozolol) is a synthetic steroid that’s primarily used for its ability to build lean muscle mass and enhance strength. It’s also known for its tendency to cause hepatotoxicity if misused.
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This can be why powerlifters typically administer Anavar prior to a competition for optimum energy without important weight acquire. Anavar is a robust and versatile anabolic steroid that’s excellent for those seeking to enhance their cutting cycle, enhance muscle definition, and enhance athletic performance. When used responsibly and sourced from a trusted supplier like GH Canada, Anavar can deliver impressive outcomes with minimal side effects. Accountable utilization of Anavar is essential to maximizing its benefits whereas minimizing potential risks.
Due to such a mixture, it is possible to chop out qualitatively and to realize a few kilograms of quality muscle tissue. Do not suppose that if Oxandrolone can be utilized by females, then for a male physique it cannot be efficient. Due to the presence of Testosterone in the cycle, you’re going to get good outcomes. At the tip of the eighties the discharge of the drug was suspended and it was absent from the market for about six years. Solely in 1995 the gross sales of Anavar had been resumed, and this steroid started to be used in the treatment of AIDS, hepatitis, as well as delaying the growth course of in youngsters. Right Now, in some countries around the world, this drug can be purchased on prescription. Our detailed Anavar Results Timeline shows you exactly what to expect all through your cycle.
Examine out our other informative guides on steroid use and buying in varied different nations. We have compiled a listing of the highest Anavar brands out there for sale in the marketplace and contrasted their prices in your ease. After you have made the decision to buy Anavar, you must find a reliable provider who can ship it to you.
The value of Anavar on the black market is significantly lower due to the widespread presence of UGL-grade merchandise out there. Bodybuilders commonly purchase testing kits, enabling them to determine if their Anavar product is genuine. Our group additionally utilizes purity checks to see if doses have been decreased. There are huge portions of UGL Anavar bought on the black market as a end result of few pharmaceutical firms producing it. Furthermore, the value of Anavar is high, so there is further financial achieve for many who formulate it.
Keep In Mind, managing side effects is a proactive process that requires responsible use, open communication with healthcare professionals, and self-awareness. By prioritizing your health, monitoring your body’s response, and in search of guidance when wanted, you’ll find a way to decrease dangers and optimize the benefits of Anavar utilization. You can achieve as a lot as 7 Ib or three kg when you run a 20 mg/day standalone Anavar cycle mixed with common exercise and a caloric food plan.
LPG cylinder price hiked by Rs 50, new rates to be efficient from… For extra data on Anavar and to make a purchase, visit our Anavar product page. Acne, oily skin and increased sweating are also possible reactions when taking anavar. A small improve in blood stress may also take place, with it able to raising LDL cholesterol levels. Others who’ve medical situations could also be prescribed anavar, however that is unlikely to be the common gym rat who needs to get big.
I understand plenty of it’s fake or diluted for folks trying to expand income on it. A community for Redditors to debate any matters referring to general health; with an emphasis on barbell & dumbbell lifting, as well as calisthenics (bodyweight movements). Precious jewellery items must be returned within the tamper free packaging that is provided in the delivery parcel. For few merchandise, we may schedule a technician visit to your location. On the idea of the technician’s analysis report, we are going to provide decision.
We have had elite powerlifters reveal that additionally they cycle Anavar earlier than competitions as a outcome of its strength-enhancing properties. Despite research proving the security of Anavar long-term (1), it is at present banned for leisure functions. Not in search of folks to evaluate me thinking it’s just for vainness reasons. If you don’t obtain a response from the vendor for your return request within two enterprise days, you’ll be able to submit an A-to-Z Assure declare. Software merchandise that are labeled as not returnable on the product element pages usually are not eligible for returns. For these unaware, every Sunday we’ve a specific steroid or PED up for dialogue. They offer free shipping, and you ought to buy Anvarol offline or on-line.
Firstly due to the amount of Anavar for sale for human use is so uncommon. Secondly, it’s usually extraordinarily expensive compared to different Anavar products and lastly because of counterfeits and pretend products provided. Counterfeits exist as a end result of excessive worth of uncooked Oxandrolone powder although manufacturing is affordable (tablets).
Clomid can be not a good PCT for ladies, as it may cause the ovaries to turn into oversensitive. DHEA has been used continuously for 4–6 months in trials (25), which is ample time to recover endogenous testosterone in girls. There have been no dosage directions specific to women when Anavar was first released. The only warning was that pregnant ladies should refrain from using the drug. Today, Anavar is illegal for recreational use in virtually each nation in the world, except Mexico, the place it can be purchased at an area pharmacy. In one study, men with HIV acquired 20 mg of Anavar per day for 12 weeks. Approximately a decade after Anavar came available on the market, there was promise of it being a medication to efficiently treat excessive ldl cholesterol.
There are many locations that promote steroids on-line, but not all of them are respected. The black market is a thriving business that provides a selection of unlawful products and services. In most nations, it is illegal to buy and use steroids with no prescription. Sure, you can buy Anavar on-line from numerous web sites and on-line stores. Nevertheless, it is essential to be cautious and do your analysis to ensure you are shopping for from a good and trustworthy supply.
References:
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