Ms. Nguyen Hoai Thu (Cau Giay, Hanoi ) has 2 billion VND in spare cash but is unsure whether to deposit it in a bank to earn interest or invest it.

"If I were to invest, I'd be unsure whether to buy real estate like land or apartments, or to buy stocks, bonds, or gold? Which investment channel is both safe and profitable in the future? Or should I invest a little in each?" Ms. Thu wondered.

Speaking to VietNamNet reporters, Mr. Nguyen Quang Huy, Executive Director of the Finance and Banking Faculty at Nguyen Trai University (NTU), suggested that Ms. Thu should allocate her investment portfolio according to the "golden formula" of 40-20-20-10-10 to both preserve capital and take advantage of opportunities to increase the value of her money.

Specifically, according to experts, out of 2 billion VND, 40% (i.e., 800 million VND) should be deposited in a bank savings account. This is an essential option, especially for those who prioritize security.

"Depositing money in a bank is the least risky investment channel, helping to preserve capital value. Current interest rates range from 5.5-6.5% per year, providing a stable source of passive income," Mr. Huy said.

According to experts, when depositing savings, it's important to choose a large, reputable bank with a strong financial health. Furthermore, it's necessary to allocate capital across multiple terms, such as short-term (3-6 months) to ensure liquidity and long-term (12 months) to optimize interest rates. Alternatively, online savings options can be prioritized to receive higher interest rates and save transaction time.

Regarding corporate bonds, Mr. Huy suggested allocating 20% ​​(400 million VND) to investment. Bonds are a bridge between safety and higher returns, and the expert believes this is an ideal investment channel to increase passive income.

Further analysis by Mr. Huy indicates that bond interest rates range from 8-12% per year, significantly higher than bank savings. Moreover, the principal is repaid upon maturity, making it suitable for those seeking security.

However, he noted, it is necessary to select corporate bonds from leading companies in their respective industries, with transparent finances and listed on the stock exchange; a history of regular interest payments, and high liquidity. Priority could be given to technology, renewable energy, transportation infrastructure, and industrial real estate sectors.

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According to experts, it is necessary to allocate assets wisely to reduce risk and increase investment efficiency. Photo: Hoang Ha

In addition, you should allocate 20%, or 400 million VND, of your idle funds to invest in stocks. However, you need to select 3-5 stocks with good growth potential and regularly update yourself on economic information and financial reports to adjust your portfolio in a timely manner.

"Some key sectors to consider when choosing stocks include technology, renewable energy, transportation infrastructure, industrial real estate, and affordable housing...", Mr. Huy suggested.

Regarding gold investment, the expert recommends allocating 10%, or 200 million VND, because it is a stable investment channel, less affected by fluctuations in the financial market; and easy to buy, sell, and store.

However, it's advisable to choose SJC gold bars to ensure liquidity. Additionally, closely monitor both global and domestic gold prices to buy when prices adjust downwards.

Mr. Huy also suggested that the remaining 10% should be invested in capacity building and network expansion to create more business and investment opportunities.

"With 2 billion VND in idle funds, combining safe investment channels like savings and bonds with high-potential investment channels like stocks and gold is an ideal strategy. Don't put all your eggs in one basket; a rational asset allocation helps reduce risk and increase investment efficiency."

"Only invest in transparent financial products and businesses with strong financial potential. Always monitor the market to adjust your strategy in a timely manner. In particular, patience and discipline are essential because successful investing doesn't come from luck, but from the right mindset and perseverance towards long-term goals," Mr. Huy emphasized.

A number of localities are inviting investment in multi-trillion-dong urban development projects.

A number of localities are inviting investment in multi-trillion-dong urban development projects.

The provinces of Hoa Binh, Ha Nam, and Hue City are inviting interested investors to register for numerous urban development and social housing projects with a total investment of trillions of VND.
In three years of rapid growth, this place has risen to the top in attracting foreign investment, drawing in many major players.

In three years of rapid growth, this place has risen to the top in attracting foreign investment, drawing in many major players.

Ten years ago, this province ranked 46th in the country when it only attracted 9.53 million USD in foreign direct investment (FDI), but for two consecutive years now it has been in the top localities attracting the largest FDI in the country.
The province is a stronghold for global giants, holding the top spot in attracting foreign investment.

The province is a stronghold for global giants, holding the 'crown' for attracting foreign investment.

Having led the country in attracting foreign direct investment (FDI) in 2015, this province continues to hold the top position in 2024, having attracted a total registered investment capital of nearly 5.12 billion USD.