{"id":16178,"date":"2024-05-15T21:20:53","date_gmt":"2024-05-16T04:20:53","guid":{"rendered":"https:\/\/seiu775benefitsgroup.org\/compounding-interest\/"},"modified":"2024-10-08T13:42:56","modified_gmt":"2024-10-08T20:42:56","slug":"compounding-interest","status":"publish","type":"post","link":"https:\/\/seiu775benefitsgroup.org\/vi\/compounding-interest\/","title":{"rendered":"T\u0103ng Th&ecirc;m Thu Nh\u1eadp Nh\u1edd L&atilde;i K&eacute;p"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"16178\" class=\"elementor elementor-16178 elementor-5204\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-661192b nopadding section_title e-flex e-con-boxed e-con e-parent\" data-id=\"661192b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ac73130 e-con-full blog-bar e-flex e-con e-child\" data-id=\"ac73130\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e486fb7 e-con-full single-column nopadding title e-flex e-con e-child\" data-id=\"e486fb7\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-36588a7 elementor-widget elementor-widget-spacer\" data-id=\"36588a7\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e1e95f elementor-widget__width-inherit elementor-widget elementor-widget-post-info\" data-id=\"1e1e95f\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-b9ff0b6 elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<span class=\"elementor-post-info__terms-list-item\">Money Management<\/span>, <span class=\"elementor-post-info__terms-list-item\">Retirement<\/span>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e25431 elementor-widget elementor-widget-heading\" data-id=\"8e25431\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">T\u0103ng Th&ecirc;m Thu Nh\u1eadp Nh\u1edd L&atilde;i K&eacute;p<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c98db14 single-column nopadding section_date e-flex e-con-boxed e-con e-parent\" data-id=\"c98db14\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cb5b97d elementor-widget elementor-widget-spacer\" data-id=\"cb5b97d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1916957 elementor-widget__width-inherit elementor-widget elementor-widget-post-info\" data-id=\"1916957\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-dbbd518 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-calendar\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>May 15, 2024<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07c7a79 elementor-widget elementor-widget-spacer\" data-id=\"07c7a79\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a596aab single-column nopadding section_body e-flex e-con-boxed e-con e-parent\" data-id=\"a596aab\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ff409d elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"1ff409d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW77166652 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW77166652 BCX0\">Understanding compounding interest is important for planning for retirement. Compounding interest helps your money grow over time, which means that a dollar\u00a0<\/span><span class=\"NormalTextRun SCXW77166652 BCX0\">put in savings\u00a0<\/span><span class=\"NormalTextRun SCXW77166652 BCX0\">today is worth more than a dollar saved later because it has time to build interest and grow.<\/span><\/span><span class=\"EOP SCXW77166652 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p><h4>\u00a0<\/h4><h3>What is compounding interest?<\/h3><p><span class=\"TextRun SCXW242766976 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW242766976 BCX0\">Compounding interest is when your money grows not just on what you put in initially, called\u00a0<\/span><span class=\"NormalTextRun CommentStart CommentHighlightPipeRestV2 CommentHighlightRest SCXW242766976 BCX0\"><a href=\"https:\/\/seiu775benefitsgroup.org\/retirement\/retirement-terms\/\">principal<\/a>,<\/span><span class=\"NormalTextRun CommentHighlightPipeRestV2 SCXW242766976 BCX0\">\u00a0but also on the interest it earns over time, leading to bigger savings in the long run. It\u2019s like a snowball rolling downhill\u2014over time, the snowball gets bigger the longer it rolls.<\/span><\/span><span class=\"EOP SCXW242766976 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p><h4>\u00a0<\/h4><h3>Tips to build compounding interest<\/h3><p><span data-contrast=\"auto\">Here\u2019s what you should know about compounding interest:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Start Saving Early:<\/span><\/b><span data-contrast=\"auto\">\u00a0Even a small amount of savings can grow a lot over time due to compounding interest, so it\u2019s important to start saving early.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Keep Your Money Invested Long-term:<\/span><\/b><span data-contrast=\"auto\">\u00a0The longer your money stays in an interest-bearing investment account, the more it benefits from compounding interest and the more it grows.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Be Patient:<\/span><\/b><span data-contrast=\"auto\">\u00a0Be patient and let compounding interest add money to your account. If you want your account to grow faster, contribute a little each month or whenever you can.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li><\/ul><p><span data-contrast=\"auto\">See how your money can grow with compounding interest using the\u00a0<a href=\"https:\/\/www.investor.gov\/financial-tools-calculators\/calculators\/compound-interest-calculator\">Compounding Interest Calculator.<\/a>*\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><h5>*Calculations are based on the average market return of 7% and are not a guarantee of return on investment. All investments carry risk. This figure is for informational purposes, only. Talk to a financial professional for more information.<\/h5><h3>\u00a0<\/h3><h3><a class=\"elementor-accordion-title\" tabindex=\"0\">Can compounding interest help me save more with my Secure Retirement Plan account?<\/a><\/h3><p><span data-contrast=\"auto\">For every qualified hour you work as a caregiver, your contributing SRP employer adds up to $1.20* to your SRP retirement account.\u00a0As you work more, your employer contributes to your account more.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">With your money invested in the SRP, you get the benefit of compounding interest adding to your retirement account balance until you are ready to take your money out.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">To estimate how much money you may have in your SRP account when you retire, login to\u00a0<a href=\"https:\/\/seiu775benefitsgroup.org\/retirement\/my-plan\/\">Retirement:\u00a0<\/a><\/span><a href=\"https:\/\/seiu775benefitsgroup.org\/retirement\/my-plan\/\"><i><span data-contrast=\"auto\">My Plan<\/span><\/i><\/a><span data-contrast=\"auto\">\u00a0to use the retirement calculator made specifically for caregivers like you.<\/span><\/p><h5>*Employer c<span class=\"TextRun SCXW260090536 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW260090536 BCX0\">ontributions to the Secure Retirement Plan (SRP) increased <\/span><\/span><span class=\"TextRun SCXW260090536 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW260090536 BCX0\">to $1.20 on July 1, 2024.<\/span><\/span><\/h5><div>\u00a0<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a34828 single-column nopadding section_sharelinks e-flex e-con-boxed e-con e-parent\" data-id=\"2a34828\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6ef6541 e-con-full e-flex e-con e-child\" data-id=\"6ef6541\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-524824a elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"524824a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Share:<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9425fe4 elementor-share-buttons--view-icon elementor-share-buttons--skin-flat elementor-grid-3 elementor-share-buttons--shape-circle elementor-share-buttons--color-custom elementor-widget__width-auto elementor-widget elementor-widget-share-buttons\" data-id=\"9425fe4\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_facebook\" role=\"button\" tabindex=\"0\" aria-label=\"Share on facebook\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-facebook\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_twitter\" role=\"button\" tabindex=\"0\" aria-label=\"Share on twitter\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-twitter\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" role=\"button\" tabindex=\"0\" aria-label=\"Share on linkedin\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-linkedin\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>B\u1ea1n c\u1ea7n ph\u1ea3i hi\u1ec3u r&otilde; l&atilde;i k&eacute;p \u0111\u1ec3 c&oacute; th\u1ec3 l\u1eadp k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u. L&atilde;i k&eacute;p gi&uacute;p s\u1ed1 ti\u1ec1n ti\u1ebft ki\u1ec7m c\u1ee7a b\u1ea1n t\u0103ng l&ecirc;n theo th\u1eddi gian, ngh\u0129a l&agrave; m\u1ed9t \u0111&ocirc; la \u0111\u1ec3 d&agrave;nh ti\u1ebft ki\u1ec7m h&ocirc;m nay s\u1ebd c&oacute; gi&aacute; tr\u1ecb h\u01a1n m\u1ed9t \u0111&ocirc; la ti\u1ebft ki\u1ec7m sau n&agrave;y v&igrave; n&oacute; c&oacute; th\u1eddi gian \u0111\u1ec3 sinh l&atilde;i v&agrave; t\u0103ng tr\u01b0\u1edfng. <\/p>\n","protected":false},"author":2,"featured_media":29048,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[225,235],"tags":[],"post_folder":[],"class_list":["post-16178","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-management-vi","category-retirement-vi"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>T\u0103ng Th&ecirc;m Thu Nh\u1eadp Nh\u1edd L&atilde;i K&eacute;p - SEIU 775 Benefits Group<\/title>\n<meta name=\"description\" content=\"B\u1ea1n c\u1ea7n ph\u1ea3i hi\u1ec3u r\u00f5 l\u00e3i k\u00e9p \u0111\u1ec3 c\u00f3 th\u1ec3 l\u1eadp k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u. 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