Which investment channel is the most attractive right now?

TPO - Amidst volatile gold and silver prices, a polarized stock market, a real estate market undergoing a period of consolidation, and rising savings interest rates, experts believe all investment channels are attractive if investors know how to selectively allocate their funds appropriately.

Prioritize savings interest rates.

Speaking with a reporter from Tien Phong newspaper , Mr. Nguyen Quang Huy - an economic expert from the Finance and Banking Faculty, Nguyen Trai University - analyzed the situation. The market is entering a new phase, where capital flows tend to prioritize sectors that create real value for the economy rather than short-term speculation.

Mr. Nguyen Quang Huy - an economics expert from the Faculty of Finance and Banking, Nguyen Trai University.

According to Mr. Huy, deposit interest rates are currently still relatively attractive, helping bank deposits regain some appeal. Although they don't yield exceptional returns, savings remain an effective defensive option due to their safety, high liquidity, and ability to preserve capital.

For many professional investors, this is not a state of "being on the sidelines," but rather a step in preparing resources to be ready to seize new opportunities when the market presents attractive buying points.

Stocks: Find companies with sound financial foundations.

Economist Nguyen Quang Huy added that the stock market is still considered to have much potential thanks to the prospect of an upgrade and the potential increase in foreign capital inflows in the future. However, the era of "buying anything and winning" is over. Opportunities will focus on businesses with sound financial foundations, transparent governance, clear competitive advantages, and the ability to benefit from economic growth.

This means investors need to improve their ability to analyze businesses instead of following herd mentality or short-term trends. Asset quality will become the decisive factor in investment performance in the coming years.

Mr. Nguyen Minh Hanh, Director of the Analysis Center at Saigon - Hanoi Securities Joint Stock Company (SHS), believes that investors should prioritize companies within the capital market ecosystem that can directly benefit from the development of Vietnam's financial market.

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Mr. Nguyen Minh Hanh - Director of the Analysis Center, Saigon - Hanoi Securities Joint Stock Company.

According to Mr. Hanh, businesses operating in the fields of securities, fund management, financial services, or infrastructure serving the capital market will have ample room for growth as the market size continues to expand.

Conversely, cyclical industries like steel and many other manufacturing sectors remain heavily dependent on fluctuations in input material prices. This causes corporate profits to fluctuate sharply in cycles and makes it difficult to generate sustainable long-term investment returns.

Gold and silver should be used for defense.

According to expert Nguyen Quang Huy, gold and silver still play a certain role in investment portfolios, but their true nature needs to be understood. Recent sharp fluctuations show that gold is a defensive asset, not a tool that guarantees investors success.

Nevertheless, gold continues to play an important role in preserving wealth against the uncertainties of the global economy. In addition, silver is attracting greater attention due to its dual status as both a precious metal and a key input for industries such as renewable energy, electronics, battery storage, and high technology.

However, Mr. Huy believes that both gold and silver should only make up a portion of an investment portfolio rather than becoming the primary strategy.

Real estate: Which segment is the best?

In the real estate sector, the market is entering a phase of deep differentiation after years of rapid growth. While short-term speculative opportunities are becoming scarce, segments serving real needs are still considered to have long-term prospects. These include industrial real estate, social housing, housing for workers and professionals, and projects linked to sustainable urbanization.

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These are sectors supported by the real needs of the economy, rather than relying entirely on speculative capital flows.

Mr. Nguyen Van Dinh, Chairman of the Vietnam Real Estate Brokers Association, believes that the Vietnamese real estate market is entering a phase where the value of use will be more important than the value of expectations.

In the era where "home is for living," properties with good connectivity, meeting practical living needs, possessing a complete ecosystem of amenities, and linked to new growth centers will be the most sustainably competitive asset class. In other words, instead of chasing short-term trends, the market is gradually returning to the core essence of real estate: serving people and creating real value for life.

Source: https://tienphong.vn/kenh-dau-tu-nao-hap-dan-nhat-hien-nay-post1851061.tpo