Increase investment profits, double privileges with VIB Privilege Banking

The demand for profit and professionalism in personal asset management in Vietnam is increasing rapidly. 88% of individual investors expect profits of over 7%/year (TVAM 2025) while current investment channels mainly revolve around traditional channels (such as savings, gold, real estate), are not diversified and are not professionally managed. McKinsey also pointed out that only 20% of total personal financial assets in Vietnam are professionally managed, the market potential can be 5 times larger. A large amount of assets is waiting to be exploited, optimized and managed properly.

VIB Privilege Banking was built to address that gap - creating a standardized, personalized Wealth Management ecosystem for each financial stage of life.

Asset Optimization over Life Cycle: 360 Degree Strategy from VIB Expert

In the recent workshop "360° Investment - Optimize assets, seize opportunities", VIB experts shared a comprehensive asset management roadmap, based on three pillars: optimal capital allocation, proactive risk management and maintaining flexible cash flow. At each stage, choosing the right product set and strategy will help customers' assets grow while being fully protected and maintained, according to specific financial goals.

Stage 25-45 years old: Building a solid financial foundation

This is a period of rapid income growth but also increased spending at important milestones such as marriage, childbirth, and home buying, making it easy for savings to be disrupted. VIB experts recommend three pillars to help create disciplined financial habits, including:

- Smart liquidity with Super Profit Account earning up to 4.3%/year daily, always ready for opportunities to increase assets.

- Effective investment by combining term deposits (guaranteed attractive interest rates) with a flexible and carefully assessed investment portfolio. A specialized PRM team acts as a companion throughout the process of increasing customers' assets.

- Protective fence: Investment-linked life insurance is a smart solution that helps customers not only protect against events but also increase their assets effectively.

45-60 years old: The golden time to increase assets

This is the period when income peaks, but many large financial needs expand at the same time (larger investments, overseas tuition, health care, retirement preparation). The goal of this period should be to increase safe and sustainable assets with 3 pillars:

- Portfolio restructuring: Reduce the proportion of high-risk, illiquid investment forms, increase stable profit products such as periodic investments with flexible terms.

- Hedging exchange rate risks for international study, settlement or investment needs: VIB provides hedging solutions, with exchange rate fluctuations of 5% in 12 months. If you need to transfer 200,000 USD/year, this solution helps save from 700-1,200 USD.

- Increase the value of life and experience: The VIB Debit Signature payment card and VIB Travel Élite credit card duo help customers spend effectively with a global ecosystem of incentives, especially for vacations, golf, healthcare , and unlimited airport lounge use. Customers will also experience exclusive incentives at more than 300 Marriott hotels and resorts worldwide.

Over 60s: Wealth Preservation

As clients turn 60, their priorities shift from high returns to peace of mind and convenience. Wealth management services at this stage are designed around three core criteria: Safety - Flexibility - Legacy.

With safety as the top priority, stable income products such as Super Yield Accounts, bank bonds or pension fund certificates are the top priority. Money is kept safe, receives regular interest and is easily managed via the app.

With the criteria of flexible cash flow, choosing short-term deposits and receiving flexible interest helps customers always be proactive with cash flow - suitable for spending needs and enjoying retirement life.

With the criteria of humane inheritance, life insurance continues to be a tool to help transfer assets to the next generation effectively, transparently and bring peace of mind.

Unlimited privileges

Understanding the need to increase assets, connect opportunities, and spread customer values, VIB Privilege Banking will continue to upgrade privilege values and experiences to create a flexible solution ecosystem, helping customers connect and spread values through each stage of life.

There is no one-size-fits-all formula for optimizing your wealth. Each person, at each stage, will have different needs and management styles - some prioritize safety, some want strong growth, and some care about stable cash flow.

The VIB Privilege Banking ecosystem meets almost every need - from cumulative investment, flexible savings, insurance, international currency, to professional asset management solutions. Customers only need to determine where they are on their financial journey to start choosing the right product. Refer to VIB Privilege Banking service here or call hotline 1900 2200 for detailed advice.

Source: https://daibieunhandan.vn/gia-tang-loi-nhuan-dau-tu-nhan-doi-dac-quyen-cung-vib-privilege-banking-10395320.html