- Biển số
- OF-210290
- Ngày cấp bằng
- 16/9/13
- Số km
- 15,043
- Động cơ
- 571,354 Mã lực
Em check thử cu em với giả định là mợ Love đang làm gv với thu nhập khoảng 2k mỹ kim/th và có budget khoảng 200k usd có thể đầu tư. Giờ muốn có thu nhập thụ động để đi ăn chơi thì nó bẩu như sau nè mợ:Chả ăn thua đâu cụ ạ. Cứ chối đây đẩy kia kìa. Chán lắm
Lấy cái cớ để bám đuôi mà bị từ chối với đủ lí do.
Yes can you build it
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Great! Let's build a personalized investment plan based on your:
Profile Summary- Location: Hanoi, Vietnam
- Occupation: Teacher
- Monthly income: $2,000 USD
- Available investment capital: $200,000 USD
- Goal: Generate reliable cash flow to fund regular travel (domestic & international) while preserving and growing capital.
- Risk tolerance: Balanced (some moderate risk is okay, but capital preservation is important)
- Time horizon: Medium-to-long (3+ years)
- Liquidity need: Moderate — not all needs to be liquid, but want the option to access some cash without penalties.
Travel Cash Flow TargetLet’s define your cash needs for travel:
| Travel Goal | Frequency | Estimated Cost | Annual Budget |
|---|---|---|---|
| Domestic trips (2-3 days) | 3 per year | ~$300 each | $900 |
| Short international trips (e.g., Thailand, Korea) | 2 per year | ~$800–1,000 each | $1,800 |
| One larger trip (e.g., Europe, Japan) | Every 2 years | ~$3,000 | ~$1,500/year |
| Total annual travel budget | — | — | $4,200–4,500 |
| Monthly average needed | — | — | $350–375/month |
Target Passive Income: $4,500/year (~2.25% of $200,000)This is very achievable with low-to-medium risk. So the plan can prioritize capital preservation + optional growth.
Personalized Investment Plan (Vietnam-based)| Investment | Allocation | Est. Return | Annual Cash Flow | Notes |
|---|---|---|---|---|
 Bank Term Deposits (1-3 years) | $70,000 (35%) | ~6.5–7% | ~$4,550 | Use for core travel funding. Choose stable Vietnamese banks with highest secure rates. Laddering terms helps liquidity. |
 Dividend Stocks + Funds | $60,000 (30%) | ~8–10% (5–7% dividend) | ~$4,200–6,000 | Diversified Vietnamese stocks or ETFs. Use a broker like SSI, VNDIRECT, or VietCapital. Focus on dividend payers + some growth. |
 REITs or Small Rental Property | $40,000 (20%) | ~5–7% rental yield | ~$2,000–2,800 | Either real estate investment trusts (VN-based) or invest in a small unit to rent out (consider shared ownership). Use for longer-term income and inflation protection. |
 High-risk/High-reward "Fun Fund" | $20,000 (10%) | 10–15% potential | Optional | Crypto, P2P lending, start-ups, overseas platforms. Only if you're interested. Could skip or lower this if more conservative. |
 Emergency Fund / Liquid Cash | $10,000 (5%) | ~2% | — | Keep in VND/USD savings for flexibility, emergencies, and opportunities. |
Summary of Expected Cash Flow| Source | Est. Annual Income |
|---|---|
| Bank deposits | ~$4,550 |
| Dividends & stock growth | ~$4,200–6,000 |
| Real estate/REITs | ~$2,000–2,800 |
| Total Estimated (passive) | ~$10,750–13,350/year |
| Monthly average | ~$900–1,100/month |
Action Steps- Open or upgrade brokerage account (SSI, VNDIRECT, TCBS) to access stock market + REITs.
- Compare bank deposit rates — look for highest yields (6.5–7.4% in VND).
- Explore REITs — e.g., Techcom Capital’s TCBCF, VN Diamond ETF (if you want exposure to property & finance).
- Optional: Research local property options if you want a rental. Consider:
- Small apartment in Hanoi outskirts
- Co-investing with trusted family/friends
- Short-term leasing (Airbnb-style)
- Set up automatic reinvestment of stock dividends if not needed immediately.
- Review portfolio every 6–12 months to rebalance or shift based on market.
Tips- Consider holding some savings in USD to protect against VND depreciation if traveling abroad often.
- Keep a log of your passive income streams to track what’s working best.
- Travel in off-peak seasons to stretch your budget and increase travel frequency.
- Help finding top dividend stocks in Vietnam now?
- Specific banks with highest term deposit rates?
- A downloadable Excel/Google Sheet plan template?
Thôi làm tí gold mí trái phiếu Sovico của HDB rồi đi chơi cũng đc, dư quả căn hộ nào thì quẳng cho thuê rồi đi chơi và work from remote mợ ạ.
