Compound Profit - The Financial Trend That Is Changing the Way Vietnamese People

Profitable duo from VIB – a financial solution that many representatives of the modern generation of users are taking advantage of to make double profits.

Have you ever wondered “can money wait to be spent or can it still be profitable?”. The answer is yes and this philosophy is also leading a revolution in thinking about how modern users manage their personal cash flow. And typical of this trend is the profitable duo from Vietnam International Commercial Joint Stock Bank (VIB ) - a financial solution that many representatives of the modern user generation are taking advantage of to make double profits.

Recently, on social networks and in the press, actress Kaity Nguyen, author Ngoc Nick M and financial expert Thai Van Linh, people with different backgrounds, ages, jobs... but have the same mindset that no resource, whether tangible or intangible, should be allowed to lie still; everything needs to move, create value, and ideally generate many layers of benefits at the same time. And money "keeping is profitable, spending is profitable" is the most concrete and measurable expression.

The following three personal success stories are testimonials to this new wave of thinking.

When passion is also a profitable investment

At the age of 26, Kaity Nguyen is not only a familiar actress on the Vietnamese screen but also the founder of KAT House, a training center for young actors. For her, financial management is no different from career management, requiring discipline, vision and the ability to navigate.

For Kaity, profitability is not just about finance. Every role, every artistic project is a long-term investment, where she puts all her heart, time and energy. KAT House is proof, where she believes that investing in people is the most sustainable investment. And to do all of that effectively, she found a solution to help every penny spent and waiting to be spent generate profit through the VIB profit duo.

" I like the feeling that money is always useful, even when I haven't used it yet. Just leave it there, it will generate a little profit every day, peace of mind and still flexible," she said about the VIB Super Yield account with a yield of up to 4.3%/year. Combined with the VIB Smart Card global payment card that gives a refund of up to 5% for online spending, she feels that each coin earns interest twice: once when keeping it, once when spending it.

Time, experience, knowledge, cash flow - profitable resources

In nearly two decades of writing, Ngoc Nick M, author of the book series "1987", "1987+: 30 is not yet Tet", "Backpack on the red carpet" has traveled to more than 25 countries. What he is passionate about is not traveling as much as possible but traveling so that each trip is profitable.

"Before, I thought experience was just an emotion. But the more mature I become, the more I see it as an investment. When you know how to put effort, time, and passion in the right place, the value it brings will far exceed the number," he shared.

For Nick M, "Money and time have something in common. When put in the right place, both will create greater value for yourself and others."

"I learned one thing: money should be a tool to help you live better, not something that limits you," he said of what he learned from the young international generation, who manage their finances to buy back time and freedom.

Nick M divides his finances into four clear parts: 40% for operations and reserve funds, 30% for personal and professional development, 20% for long-term investments, and 10% for emotions. For someone who regularly works across borders like Nick M, maintaining a flexible and profitable cash flow is important. Everything changed when he used the VIB profitable duo.

"My pending payment is still there but it earns interest every day with a yield of up to 4.3%/year. When combined with the VIB Smart Card, which gives a cashback of up to 5% for online spending, the total benefit can be up to 9.3%," he shared.

In particular, the VIB Smart Card has global payment capabilities, Nick M can freely buy image copyrights, airline tickets or personal expenses and still get a refund, allowing him to move freely without worrying about interruption.

Cash flow stratification - money is always "working"

Businesswoman Thai Van Linh, with many years of experience in the field of finance and investment, Thai Van Linh emphasizes the concept of "cash flow layering", dividing financial life into clear target layers. "It is necessary to clearly separate spending, saving, investing, and reserve funds," she explains.

"Today's generation of users needs tools that help them maintain liquidity while not wasting the value of unused money, or even spent money," Thai Van Linh shared.

"A typical example is VIB's profitable duo," she said. The Super Yield Account helps your money earn interest every day with a yield of up to 4.3%/year, while the Smart Card gives you up to 5% cashback for online transactions. "The total benefit is nearly 9.3%, but users can still withdraw and deposit as they wish without losing accumulated interest."

More importantly, this model encourages scientific financial behavior. Users who maintain high balances get high returns and higher cashback rates, thereby invisibly creating good cash flow management habits.

"For me, the most important thing in financial management today is not knowing too much, but knowing how to use the right tools," Thai Van Linh emphasized.

VIB Profitable Duo - Products leading the trend

Three people, three fields, three different ways of life. But all three people found common ground in the VIB Profitable Duo. This is not a coincidence, the VIB Profitable Duo is a product designed for the double profit trend that the modern generation of users is pursuing.

The VIB Profit Duo consists of two pillars serving modern personal financial management needs: the money you keep and the money you spend.

With the Super Yield account, your money earns interest every day with a yield of up to 4.3%/year. You can withdraw, transfer, and pay at any time without losing the accumulated interest. With the VIB Smart Card, you get up to 5% cashback for every online transaction. The second interest occurs right at the moment you spend.

What sets the profitable duo apart is not just the features, but the way it is designed: with real needs at the center. There are no cumbersome procedures, hidden fees or confusing terms. Everything is simplified to serve the sole purpose: to make money work effectively, in accordance with the pace of your life. The Smart Card also allows you to design your own photo printed on the card using Gen AI, a seemingly small detail but demonstrating the philosophy of "personalizing the experience".

With the VIB Profitable Duo, you are not bound by any complexities. Just a simple mindset: to put all your resources including money, time, energy, passion, to work in the right direction so that life will automatically generate profits.

Users get a free 6-digit account when using the Super Yield account. From now until December 31, 2025, when opening a new Smart Card payment card, users have the opportunity to get a refund of the annual fee and receive 50% bonus points worth VND 250,000 to convert into many attractive gifts.

Users also enter the Profit Universe, where benefits will extend with each transaction. In particular, from now until December 19, 2025, at 12:00 every Friday, the Profit Universe will open an exclusive gift of Super Fan Concert 1 Brother “Say Hi” tickets.

Source: https://congthuong.vn/sinh-loi-kep-xu-huong-tai-chinh-dang-lam-thay-doi-cach-nguoi-viet-433562.html