Assuming I have won 1 million USD and, after exchanging to Vietnamese Dong and
paying taxes, I am left with 17 billion VND, my goal would be to allocate this capital
into a diversified investment portfolio. This strategy aims to achieve both financial
security and sustainable growth. The portfolio would consist of saving, real estate,
bonds and stocks, entrepreneurship, gold, charity, and education investments, each
carefully selected for its potential benefits and long-term value.
1. Saving 5 billion VND
Saving 5 billion VND in a high-interest savings account would provide a stable
financial cushion. The primary reason for this is liquidity and safety. With a well-
chosen account in a reputable bank (Vietcombank, VietinBank, BIDV,…), this fund
could yield steady, though modest, returns through interest while remaining
accessible for emergencies or unforeseen opportunities. Additionally, the peace of
mind knowing I have immediate access to this money will allow me to take
calculated risks with other investments without jeopardising my financial security.
2. Investing 5 billion VND in Real estate
Real estate in Vietnam has shown tremendous growth potential over the last
decade, particularly in urban and developing areas such as Ho Chi Minh City, Hanoi,
or Da Nang. By investing 5 billion VND in property, I expect both capital appreciation
and rental income. The demand for housing, especially in metropolitan areas,
remains high, and property values are likely to increase over time. This investment
serves as a hedge against inflation and provides a tangible asset that could be
rented out, ensuring a stable income stream. Moreover, I can benefit from future
increases in property value if I choose to sell.
3. Investing 1 billion VND in Bonds and Stocks
Investing in bonds and stocks offers an opportunity to diversify my portfolio with
relatively liquid assets. Bonds, especially government or corporate bonds, offer safer,
fixed-income returns. Meanwhile, a portion of the investment can be directed
toward the Vietnamese stock market, targeting companies with strong growth
potential in sectors like technology, finance, and consumer goods. With 1 billion
VND, the goal is to balance risk and reward, as stocks can offer higher returns
compared to bonds but are more volatile. Over time, reinvesting dividends or bond
yields can compound returns, helping grow the portfolio further.
4. Opening a coffee shop with 2 billion VND
Vietnam is one of the world’s largest coffee exporters, and coffee culture is deeply
rooted in the country’s social fabric. Thinking of opening a coffee shop with 2 billion
VND, especially in a well-trafficked urban location, offers the potential for steady
revenue. The initial capital would go into renting a suitable space, interior
decoration, equipment, and hiring staff. The growing demand for premium coffee
experiences and the vibrant café culture in cities like Ho Chi Minh, Da Nang or Phu
Quoc presents a profitable business opportunity. Over time, the shop could expand
into a chain, increasing profitability.
5. Buying 8 gold bars (668 million VND)
Gold is a traditional hedge against inflation and a store of value, making it an
essential component of a well-diversified portfolio. Investing 668 million VND in 8
gold bars offers a reliable means of preserving wealth over time. Particularly, gold
tends to perform well during economic uncertainty, acting as a safeguard for the
rest of my investments. The liquidity of gold means it can be easily sold if needed,
providing flexibility in future financial planning.
6. Doing charity: 1 billion VND
Contributing 1 billion VND to charity aligns with my personal values of giving back to
my community. I would direct this investment towards organisations focused on
education, poverty alleviation, and social welfare programs in Vietnam. The benefit
here is not financial but rather social. Moreover, by supporting underprivileged
communities, I am helping to create a more equitable society. Additionally,
charitable contributions enhance personal fulfilment and can build a positive
reputation within the community.
7. Investing 2 billion VND in Education (Language centre)
Education is one of the most stable and impactful industries in which to invest. By
establishing a language centre with 2 billion VND, I can tap into the growing
demand for English and other foreign languages, especially among students and
professionals. Vietnam’s economic integration with global markets has increased
the need for language skills, making this a promising and socially beneficial venture.
The centre could offer regular courses, workshops, and tutoring, providing a steady
income stream while addressing an important need in the community.
Conclusion
This portfolio represents a balanced mix of low-risk and high-return investments,
including savings, real estate, bonds, stocks, entrepreneurship, gold, charity, and
education. Each component of the plan offers distinct advantages: financial security,
income potential, diversification, and societal impact. By focusing on both
immediate returns and long-term growth, I aim to build a sustainable financial
future while contributing positively to Vietnam’s economy and community.
