How Many Effective Investment Channels?

Financial Freedom is the goal of many people today. However, going from plan to reality is an arduous road. To be free early, profitable investment for financial freedom is the most important issue. Currently, in the market, there are many types of investment from traditional to modern with different profitability and risks.

Real estate, stocks, savings… are safe channels for people with financial freedom plans.

Effective investment for financial goal

According to experts,in order to soon achieve a comfortable financial goal, investors should pay attention to popular investment channels and limit risks.

Stocks

According to an expert of Dragon Capital Vietnam, in the last two decades, stocks have been the most attractive investment channel in our country in terms of profitability. Stocks have had an average return of about 16% per year since Vietnam’s stock market came into operation in 2000. In the last 5 years, the profitability of this class has been up to 19.2%.

Stocks have the potential to grow in the long term, but can be volatile in the short term, with good liquidity. No need for heavy capital but still able to make regular profits, investors can flexibly sell their own shares to recover capital or convert into cash at any time. Joining the stock market, investors also need to equip with in-depth knowledge in this field to avoid risks.

Stocks have been the most attractive investment channel

Savings Deposit.

If you like safety, savings is the right form for investors to start. Savings deposit is relatively safe, low risk, high liquidity. This is a simple and effective form of financial investment, anyone can participate. Savings deposit is also very fast, the procedure is simple, you can withdraw money at any time, making this form very popular with many people. However, the interest rate of this type of investment is not high, about 6-8% per year.

Gold

Buying gold for reserve is an old but never outdated investment channel in Vietnam. Vietnamese people have a habit of buying gold with idle money and selling it when the price increases or there is a need for money. In an ever-changing world, gold always holds its value.

So, this is a safe choice for investors. Gold’s return over the past 20 years has been around 9%. Gold is easy to buy, easy to sell, low risk but unstable price. The price of gold can fluctuate unpredictably, at many times – especially during the complicated development of the Covid-19 pandemic, the domestic gold price has a large difference and the fluctuation is not consistent with the world gold price.

Cryptocurrency

Cryptocurrency is a new form of investment, attracting mainly young people with the desire to get rich quickly. However, the cryptocurrency market is always volatile.

Cryptocurrency is an unregulated digital currency, issued by the Government. According to a report by Chainalysis, Vietnamese investors have earned $0.4 billion in 2020 by investing in Bitcoin, ranking 13th in the world.

Currently in Vietnam, digital currency investment is a spontaneous activity. Some cryptocurrencies have no value created for the purpose of fraud. To exploit its full potential, the virtual currency market in Vietnam needs to be placed under the management and supervision of the State so that investors can feel secure when participating.

Real estate in the East of Ho Chi Minh City. Photo: VnExpress

Real estate

According to experts from Dragon Capital Vietnam, real estate is an investment type with high return on average of 11.9% over the past 20 years. According to HSBC’s “retirement plan” survey, up to 47% of respondents said they would invest in real estate for their retirement plan, the highest of all types.

This shows that the attraction of real estate has never cooled down. The form of real estate investment is very diverse, so it is suitable for many objects. Compared with stock investment, real estate investment has high stability and lower risk. This is a form of Long-term investment.

However, to pursue this type of investment requires, investors must understand the rules of the market, learn carefully about information about projects and regulations of the state before deciding to invest.

In addition to the above investment channels, those who are intending to be financially free should also pay attention to some other forms such as bonds, insurance, business…

In general, the current investment market is very diverse, formatted to suit the needs of many people.

Wish you soon achieve your own optimal financial investment goals!

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