Many people are frantically looking for investment channels to preserve assets and accumulate for the future. What is the way forward in the context of the economy facing many challenges, the world is full of fluctuations and it is difficult to find a place to make a profit?

Thoroughly find investment channels

After a month of delay, Mr. Dinh Dong’s family in Nam Tu Liem, Hanoi, is sitting on hot coals with 2 billion VND in hand as the gold price continues to increase sharply, surpassing 100 million VND/tael and showing no signs of cooling down; meanwhile, real estate prices tend to heat up in some localities following the news of province-city mergers. Not to mention the worry of escalating commodity prices.

“Just hearing about it makes me feel bad! Land prices are increasing too fast, and gold is expensive. Salaries cannot keep up with the price storm,” Mr. Dong worries.

His family has just missed the opportunity to buy land in the suburbs of Hanoi, which was intended to preserve assets and save for the future. He is considering borrowing more to invest because interest rates are low and the currency is at risk of losing value due to world instability.

Many people living in big cities are in the same situation as Dong's family.

The middle class in Vietnam, especially in big cities like Hanoi and Ho Chi Minh City, is worried that their incomes are not increasing as fast as the prices of large assets like real estate and gold.

With an income of 30-75 million VND/month, people in this group were once considered stable, capable of accumulating assets of up to several billion VND. If before, they invested in gold, real estate or some other assets... now their wallets are full.

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Real estate is a channel chosen by many people. Photo: CT

However, not everyone is able to seize such opportunities. Some do not dare to borrow to invest when their income is still unstable. The skyrocketing price of real estate and gold is putting great pressure on this group of people, making maintaining middle-class status more difficult than ever.

Mr. Nguyen Van Hung in Hanoi has a fairly stable income of 45 million VND/month and savings of nearly 3 billion VND. He plans to buy an apartment in the Long Bien area to rent out.

But he wondered, investing such a large amount of money plus borrowing more while the rental price has not kept up is not reasonable, and if the rental price is high, it will be difficult to find tenants. If he deposited it in the bank, the interest would be low and it might also run out gradually.

Not to mention, the average apartment price in Hanoi has increased to about 4 billion VND, much higher if in a good location.

Similarly, Ms. Tran Thi Mai (42 years old, living in Bac Giang) is also having a headache finding an investment direction. She shared: “I have accumulated more than 2 billion VND after many years, now gold has increased to hundreds of millions of VND per tael, buying it is afraid that it will not increase much, and gold does not generate profit. Real estate is hard to reach, and depositing in the bank does not generate much profit. I am very worried that if I cannot find a way to make a profit, when the children grow up, the family will have more difficulties.”

The middle class is worried

The underlying cause of this concern is probably the growing gap between income and living costs. Real estate prices have skyrocketed, averaging several dozen percent per year, and can double in a few years, far exceeding the income growth rate of the middle class, which is only around 5-10 percent per year. Gold prices have also increased sharply, bank interest rates are low, and inflation is high.

Not only that, the concern also comes from the strong changing trend in the world, especially from artificial intelligence (AI) technology, which changes employment and investment trends. AI and automation are gradually replacing traditional jobs... This forces the middle class to adjust their accumulation and investment strategies to adapt.

Gold and real estate are still channels that many people are interested in, but are not necessarily too attractive.

First of all, the real estate market, although it is expected to continue to increase in the long term, is probably no longer the optimal choice for short-term investment. With real estate prices having increased too much, liquidity decreasing, and tax policy risks increasing,... "surfing" activities to make a profit can be risky.

However, some comments say that real estate in suburban areas or in the provinces, where prices are still low and infrastructure is developing, could be an opportunity for those with a 5-10 year vision.

As for gold, this is a traditional investment channel but its appeal is gradually decreasing due to the rapid increase in prices in 2024 and early 2025. After reaching the threshold of 98-100 million VND/tael in early 2025, forecasts show that gold prices may stagnate or have adjustments if geopolitical tensions decrease.

Investing in gold may not yield high returns. It is considered a defensive asset, with a small percentage in the portfolio.

Third, the Vietnamese stock market is expected to grow 14-15% in 2025, which is a potential channel for the middle class. According to some securities companies, stocks in the technology, banking, retail and industrial real estate sectors have bright prospects.

However, investing in stocks requires knowledge and the ability to accept risks, and is more suitable for those who are willing to learn and monitor closely.

Finally, bank savings are still a safe option but do not bring breakthrough profits. With interest rates of 3-6%/year, this is a place to keep capital in the short term.

A commonly recommended principle is to diversify your investment portfolio. Do not invest all your money in a single channel. Invest in yourself, learn new skills such as technology and finance to adapt to modern working trends, thereby increasing your active income. Avoid the mentality of "surfing" to make quick profits in a volatile market context.

You can prioritize channels with solid growth potential such as high-tech stocks or suburban real estate, but you have to hold them for the long term.

Gold price today March 27, 2025 skyrocketed, plain rings quietly climbed to near the peak of 100 million Gold price today March 27, 2025 skyrocketed again on the international market. Domestically, SJC gold and plain rings increased by more than half a million VND per tael, with some brands listing plain rings at 99.5 million VND/tael.

Source: https://vietnamnet.vn/nha-dat-va-vang-tang-dung-dung-gioi-trung-luu-cam-tien-ty-boi-roi-2385582.html