In the user data and feedback that HVA has collected over time, there is a clear recurring theme: many people are working harder, their incomes are increasing steadily year after year — but the amount of money they keep is not increasing proportionally. This is not a story of “lack of effort”. The problem comes from a reality that the whole society faces: the cost of living is increasing faster than wages; the pace of life is changing, leading to fluctuating spending habits; the sense of financial security is decreasing, even though the income figure still looks good.
When the prices of meals, housing, services, transportation… all escalate, incomes slow down every year, causing many people to fall into a state of “the more you earn, the less you have”. Income of 15-20 million still feels difficult; 25-30 million but “end of month surplus” is not much different from the period of 10-12 million; trying hard, but still not saving much; the feeling of financial security is getting further and further away. This is not a personal story — it is a common picture of a generation that is having to adapt to a new pace of change, while the old money management model is no longer suitable.
The solution lies in “capitalism”
If incomes are unlikely to increase as quickly as prices, the important question is: what can be done to avoid being caught in the spiral of “lack of money”? The answer — according to HVA’s observations — lies in a basic but increasingly urgent financial mindset: asset accumulation. Not to “get rich quick”, but to preserve what we have worked hard to create.
The spirit of accumulation that HVA pursues focuses on three points:
- Discipline before inspiration: automate a fixed savings rate as soon as income comes in, consider it a “mandatory expense” of the future.
- Structure instead of movement: prioritize safe foundation (reserve, preserve purchasing power) then growth channel; avoid chasing short-term waves.
- Based on real data: track your personal cash flow, identify “leaks,” and optimize with tools — instead of relying on gut instinct.
From the experience of implementing for the investor community, HVA applies the model of combining stocks - gold - currency with automation solutions to sustainably preserve and upgrade the standard of assets according to the cost of living cycle. The goal is not to "beat the market" every day, but to keep the value of your labor from being eroded over time.
HVA Finance Talk #3: “When everything increases except income – Accumulate assets or accumulate worries?”
To go into specific methods, HVA organizes an online chat:
- Time: 20:00, Wednesday, December 3, 2025
- Format: Livestream on HVA Fanpage
- Host: Giang Mi — HVA's financial communications representative, who works directly with a community of thousands of investors and closely monitors the cash flow behavior of young people.
- Guest: Mr. Dinh - Director of Multi-Channel Asset Management Center, HVA. He has 6 years at Citibank (Specialist & Head of Capital Department), 2 years at KAFI Securities Company (Digital Business Director), joined HVA from April 2025 in charge of the entire multi-channel asset management center.
With a background in banking – securities – financial technology, Mr. Dinh brings unbiased analysis based on transaction data and actual consumer behavior of Vietnamese people: cash flow models of young people; “leaks” that cause income to increase but assets do not increase; how to build a stable financial foundation when costs escalate; long-term asset accumulation thinking suitable for the current context. That is also the spirit of transparency and prudence that HVA pursues as a listed enterprise.
Why join?
Those who earn well but keep little at the end of the month; young people who work hard but lack clear financial progress; investors who want to understand their personal cash flow instead of just looking at profits; those who are worried about the rapidly increasing cost of living. If you have ever asked yourself “why do I still lack money despite working a lot?”, “where does my money go every month?”, or “why does my income increase but my sense of security decrease?”, this livestream will help you see things more clearly – systematically – and realistically.
See you at 20:00, Wednesday, December 3, 2025 on HVA Fanpage. HVA respectfully invites investors and the community to follow.
