HANOI: Investors are gradually moving beyond simply accumulating wealth toward a more comprehensive approach to asset management, although traditional assets such as bank deposits, real estate and gold continue to dominate portfolios.
This is according to the 2026 Financial Health and Investment Confidence Report released by Thien Viet Securities.
The report, based on a survey of 1,000 individual investors with accumulated assets of at least 500 million dong (US$19,047) across five major cities, indicates that investment thinking is evolving, albeit at a relatively slow pace.
Despite global market volatility and rising living costs, financial resilience has become an increasingly important measure alongside total wealth.
The survey found that Vietnamese investors have become more active in diversifying their investments, with 55% holding assets across two to three investment channels and 39% investing between four and five channels.
But traditional assets remain overwhelmingly dominant. Bank deposits, real estate and gold account for 87% of the total asset allocation among surveyed investors.
The concentration becomes more pronounced among wealthier individuals.
For investors with assets ranging from 500 million dong to under one billion dong, real estate represents 29% of portfolios. That proportion rises to 46% among those with assets exceeding two billion dong.
Modern financial instruments, including equities, bonds, mutual funds and foreign currencies, each account for less than 10% of portfolios across all wealth groups.
The survey also highlighted a gap between investors’ understanding of diversification and their actual investment behaviour. — Viet Nam News/ANN
