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9X Viet tells the story of “investing in play” but “eating for real”, without relying on parents

(Dan Tri) – Many young Vietnamese people make extremely good money thanks to the right investment methods and decisions.

The “playful investments” but “real food”

About a year ago, Minh Thu (26 years old, office worker, character name has been changed) completely did not know and did not care about securities. She also has no concept of investing or managing finances.

By May 2021, Thu’s high school classmate (with 3 years of experience in securities investment) opened a class to teach long-term investment methods and analysis. share Free real estate for a group of close friends. Thu joined because she thought she could gain more knowledge from a new investment channel, not starting with the thought that she could make a lot of money here.

In the course, Thu’s friend only focused on analyzing real estate stocks, with a specific example being shares of Construction Development Investment Corporation (stock code: DIG). This “teacher” also recommends people consider investing.

After the 5-session course ended, Thu opened a stock account and practiced with watching the electric board and trading stocks. This F0 initially invested 100 million dong, which is part of the accumulated amount after 2 years business sell. Thu also invited her sister-in-law to invest 50 million dong in securities.

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Thu’s investment portfolio (Photo: NVCC).

Trusting in your experience and analysis, the Thu sisters “all hands” 150 million dong into DIG stock at 25,000 dong/share. The results in the first half of the month were not as expected, the peak of the loss reached tens of millions of dong when the stock price dropped to 22,000 dong/share. However, just a few days later, DIG’s stock price recovered, Thu and her sister-in-law each added another 100 million VND to the price range of 30,000 – 31,000 VND/share. Also at this time, some people in the chat group set up by you Thu to update information, began to take profits.

After that, the price of DIG’s stock increased by over 60,000 dong/share, Thu was making a profit of about 250 million dong and a question appeared in her mind whether to invest more or not. She consulted with some relatives, most of whom thought that the stock was in a hot rising phase, so the risk was high. Meanwhile, Thu’s “teacher” said he could still buy it.

When most of the group members took profits, Thu continued to “pump” another 220 million dong into DIG shares, the money was withdrawn from savings to her parents. Sister-in-law Thu also invested another 200 million dong. At this time, Thu’s capital is 420 million dong, sister-in-law’s is 350 million dong.

During the investment process, the two sisters researched and traded with a few other stocks, but the profit and loss were insignificant.

As for the investment in DIG, in mid-January the price peaked at 125,000 VND/share, but the two sisters still “gave profits” up to 1.6 billion VND. The period after that is more volatile, finally 2 F0 stock This decision to “temporarily sell out” at the price of 97,000 VND/share.

Results after 10 months of researching and investing in securities, Thu made a profit of 550 million VND, while Thu’s sister made a profit of 400 million VND. Besides the money they earn, these young people also have a lot of investment experience, from how to analyze stocks to market psychology, to how to protect their assets.

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The shocking increase in gold prices in February made many investors win big (Photo: Huu Khoa).

Similarly, in early October last year, Thanh Tung, 26 years old in Bac Tu Liem (Hanoi) was paid 80 million VND for a loan from 2 years ago. Initially, Tung planned to upgrade to motorbikes and phones, but he did not because he thought he needed to increase his income during the epidemic season, so he brought all the money to invest. At that time, the guy born in 1996 had 3 channels to choose from: securities, digital currency and gold.

“Securities and digital currencies are my two favorite channels, but I don’t have much knowledge and experience. If I go in right away, it’s too risky, so I choose gold. Besides, this is my first time investing, so I want to choose. what is safe first,” Tung said.

According to calculations, Tung will sell gold on the day of God of Wealth (January 10) next year because this is the time when gold has a high price. To increase profits quickly, he spent another 35 million dong to have enough money to buy 2 taels of gold at the price of 57.2 million dong/tael.

True to Tung’s forecast, on the day of God of Fortune this year, the price of gold increased. He sold 2 taels of gold for 61.7 million dong and earned 9 million dong in profit. “As soon as I received my interest, I signed up for a course on securities and the original principal amount remained the same. However, after about 10 days, I found that the gold market was very hot and likely to increase. high, so I joined the game,” he shared.

At that time, the gold price was anchored at a high level of 63.9 million dong/tael, but Tung still took a risk and spent money to buy 2 taels. Two weeks later, Tung sold gold at 69 million VND/tael, making a profit of 5.1 million VND per tael of the boy born in 1996. “If I were to be a little more stubborn, wait for 2-3 more days, the profit will be even bigger because there was a time when the gold price bought nearly 72 million VND / tael”, Tung regretted cheaply.

Tung also admitted that his big profit from gold, in addition to luck, also comes from being quick and seizing the right opportunity, especially in the second gold purchase.

And last year, Nguyen Nguyen (27 years old) made 500 million dong in 2 months by selling a course on freelancing (freelance writing). With 10 years of experience in the profession, Nguyen directly teaches classes through online form. In the first course, she taught more than 300 students with a tuition fee of 1 million VND/person.

“Understanding everyone’s needs during the epidemic season, I decided to open a class to teach freelancers – a profession that can help people earn money anytime, anywhere, regardless of age, especially in the context of the pandemic. The Covid-19 epidemic lasted for a long time and many people had to work from home,” she explained.

Nguyen said that the reason why her course has many students is because she has a previous background. Originally a famous travel blogger and freelancer with a huge following on social networking platforms such as facebook, instagram, tiktok. Therefore, recruiting students with her is not difficult because Nguyen only needs to write 2 notices online and 500 people have registered to participate.

“I organized 2 courses, the first course was 300 people, the second course was 200 people. The study time is from 3 to 5 sessions, in these sessions, I will share with you my knowledge about the profession of freelance writing. do, write to make money that we call freelancers,” she said.

In the future, the young girl born in 1995 plans to open more vocational courses. Because Nguyen believes that selling courses is also a good way to make money when the demand for this profession increases during the epidemic season.

Investing is easy?

Exchange with Dan Tri, personal finance expert Tran Nhat Nam said that investing is the easiest thing to do because people just need to put money into something that can also be called an investment. However, investing is also the hardest thing to do right, because there are no specific standards to guide people to do right or wrong.

Therefore, young investors need to learn some basic things, which will help illuminate future investment decisions. And if you want to become a real investor, the first thing you have to do is understand your financial situation, followed by spending at least 10% of your income every month as a provision and investment for the future. future.

According to Mr. Nam, people need to pay attention to 4 things:

The first is to focus on the true value of the investment. Investments have real value only when they bring some specific value to society and get a positive cash flow from that value.

The second is to name and identify the risks in the investment. Because high returns always come with high risks.

Third, you should learn, learn more, to distinguish what is a stock, what is a bond or the most basic types of investment in the market.

Fourth is understanding the average long-term investment return (7-10%). This is very important. Because investments offered with very high returns will always be accompanied by signs of fraud.

Regarding stock investment, Mr. Truong Hien Phuong, Senior Director of KIS Vietnam Securities Company, commented that many new investors entering the market do not have much knowledge, are gullible, sometimes have not been the world of good care should find a fulcrum as the main target audience of the groups.

However, with decades of experience in the financial market, Mr. Truong Hien Phuong acknowledged that most of these groups were established without good purposes.

According to this expert, investors need to know the educational and professional history of the securities instructors or investment advisors, whether that person has specialized financial training or experience. work in finance or not before deciding to spend money to buy services. He emphasized that those who work seriously in the financial industry when making judgments are based on knowledge and clear bases, not just shouting three letters like how many investors are approaching.

Meanwhile, Mr. Phan Duy Khanh, CEO of Simplize, a company specializing in stock data analysis, said that to have a perfect portfolio, 10% comes from finding investment ideas, 40% depends on investment ideas. Depends on thoroughly understanding the business including information synthesis, analysis, data processing, the remaining 50% is the ability to allocate capital proportion for each stock.

However, most individual investors can’t afford or have enough time to do these jobs. In contrast, investment funds always have many seasoned experts who carefully screen stocks before putting them in the portfolio.

“Investors should only choose an investment fund with a history of effective operation over many years to pour money. Because the funds all allocate capital into 15-20 stocks, if you invest in many different funds, the portfolio will be diversified. too diversified, eliminating the strengths of each individual fund, reducing the possibility of winning the market,” suggested Mr. Khanh.

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