Development potential of investment channels in the market

Investors are facing great business investment opportunities when the economy gradually recovers, especially after the Covid-19 epidemic has been controlled and normalized.

Many investors, when participating in investment, always want to make a quick profit with a significant profit. But in reality, not everyone is so lucky. In order to invest successfully, investors need to choose appropriate channels and understand the areas they are really interested in.

Experts say that there are many investment opportunities, but you do not have to spend money to invest to be successful, to choose a channel that suits the wishes of each investor, it is necessary to rely on many factors. .

To provide an additional perspective so that investors can refer and then orient their investment exactly according to the desired channel, the reporter had an exchange with the economic expert, Assoc.Prof.Dr. Dinh Trong Thinh on this issue.

Over the first 4 months of 2022, traditional investment channels have arisen many problems. Stocks fluctuate continuously, bonds happen many “scandals”, this makes many investors struggling to know where to pour money. So in your opinion, from now until the end of the year, which investment channel has room?

-In general, each investment channel has different advantages and disadvantages, depending on how investors can accept risks?

For example, if a beginner investor in these markets is still afraid, he should choose a safe channel, whereas a long-time investor with a lot of experience who is not afraid to take risks will choose a risky channel. higher risk.

Firstly, if you want to have less risk, you can save money, this channel is low risk and of course the profit is not high. Inexperienced investors can still choose this channel because recently, savings interest rates have been gradually raised.

Second, investing in stocks and bonds will also be good, because through many fluctuations in the stock market, bonds have had some adjustments along with analysis and reports, it is clear that these two markets will gradually stabilized.

In principle, in 2022, profits and business activities will be busier, so the stock may increase in price and reach new milestones.

It must also be added that these are investment channels that need knowledge and a certain level of understanding of the market, requiring investors to know how to seize opportunities.

In Vietnam, besides traditional investment channels, do investors have any other options, sir?

-Currently, in the Vietnamese market, in general, it can be divided into 6 main investment channels including: Real estate, securities, gold, savings, startups and virtual assets.

The above investment channels can all generate a certain interest rate for investors, but it must be affirmed that each investment channel has many different changes and risks. In particular, from now until the end of the year, investors need to choose exactly according to the actual situation to avoid the highest risk.

In the investment channels mentioned above, can you tell which channels investors should not invest in, sir?

Firstly, for the form of virtual currency investment, this is an “underground” investment channel, which is not official in Vietnam. There are many problems in this channel, but from a state perspective, in terms of law, it can be affirmed that investors should not participate, if participating, it is easy to violate the law.

Secondly, investing in gold is also not advisable, there are many problems in this channel and it is difficult to predict and analyze it. As in the last period, for example, most countries in the world, especially the US, UK, France, the European Union… have raised interest rates to fight inflation. According to the principle that when raising interest rates, the currencies of those countries will strengthen, when currencies strengthen, especially USD, for example, it is clear that the gold market will have to go down.

According to the actual situation, the gold price is still inflated even though interest rates have been raised. In particular, in Vietnam, in fact, investors should not invest in gold, the simple reason is that the price of gold in Vietnam and the world is very different, somewhere between 19-20 million VND/tael. In addition, when buying and selling, the value of gold is also not small, the difference is from 3-5 million VND/tael. Therefore, investing in gold is very difficult for investors to make a profit, while the risk is not small.

Vietnam’s economic situation is having positive changes, especially after the Covid-19 pandemic, so in your opinion, which channel should investors choose for a safe and new investment?

For the safest, only savings channel, this is a safe investment channel. In fact, although the interest rate on savings has been gradually increased, it is clear that investors need to accept and save, the interest rate cannot be high.

In addition, this year’s start-up investment channel is too good because the current upward momentum of the economy is creating a lot of demand for production and business enterprises as well as consumer goods of buyers. If you join a startup, it’s easy to get good results. In addition, currently, the state’s tax policy has many incentives, so it is easier for investors to find a field to start a business.

However, it is easy to say, but it must be repeated that investing is risky, starting a business is even more risky. If investors do not have a specific strategy, study carefully the field of startups, they can still receive failure.

As he shared, real estate is still a channel worth investing in. Which segment should you invest in?

Real estate investment channel can be said that this is still the best investment channel to be profitable and the risk is in the form of medium. In the past time, with many policies introduced to limit investors from “snatching”, real estate speculation was launched in the hope that real estate prices would decrease, but this hope is very difficult. for the Vietnamese market. For example, at the time of the Covid-19 pandemic raging, but real estate prices never dropped, many investors put down money to own a real estate product. This shows that people’s capital or idle money is still very much.

Moreover, the housing demand of the Vietnamese people is still high because we see that the average level of housing in Vietnam per capita is at a low level, plus the concept of “settling down and setting up a business” should stop. The demand for housing will definitely increase, at the same time creating good opportunities for investors.

Just take an example, such as in the form of residential real estate for residents or mid-range apartments, when an investor releases a product of this type of apartment, it will almost certainly sell all the apartment, through We can see a lot of potential for profitable investment in real estate.

On the other hand, in the form of land plots, this segment’s real estate in 2022 is going very smoothly. In many areas, land prices increased 2 to 3 times compared to the previous month. Although there will be price adjustments through legal policies, this is still a good investment channel.

In particular, the real estate market can be called “chaotic”, but “the more cloudy the water, the easier it is to let go”, investors will not be afraid of this and accept risks to invest, if successful. profitability will not be less. On the contrary, at a time when the real estate was publicly transparent, its profit was only moderate, even small.

Thank you very much!