The generation earns more than ever, but the feeling of “lack” is increasingly evident: salary increases cannot keep up with the cost of living, cash flows follow emotions faster than into the future. From instant “cures” to the pressure to “look good” on social media, many young people are falling into Money Dysmorphia – a disorder of money perception: working a lot but not feeling like they have money, investing sometimes makes money but still feels insecure.
That's why HVA Finance Talk 3 was born with the purpose of going straight to the question that touches the current concerns: When everything but income increases, should we accumulate assets – or are we just accumulating worries? The event focuses on young people's financial behavior, the "saving for yourself first" method, and how to build a savings reference system to live safely today - firmly tomorrow.
Main content
Topic: When everything increases except income – Accumulate assets or accumulate worries?
Time: 20:00 – 21:30, Wednesday, December 3, 2025
Form: Livestream on HVA Fanpage
Host: Ms. Giang Mi – IR HVA
Guest: Mr. Ho Trung Dinh - Director of HVA Multi-Channel Asset Management Center
Mr. Ho Trung Dinh has extensive experience from traditional finance to financial technology, directly implementing “measure – see – act” solutions on personal financial data. He has many years of experience designing optimal investment portfolios combining stocks – gold – currencies with automated technology solutions.
Before working at HVA, he spent 6 years at Citibank as a Specialist and Head of Treasury; 2 years at KAFI Securities Company as Digital Business Director; and officially joined HVA in April 2025. At HVA, he focuses on building a multi-channel asset management infrastructure, helping users measure cash flow, assess financial health and accumulate disciplined savings.
Three key discussion axes
1) Money Dysmorphia & Spending Behavior:
Why do we “earn well” but still “worry a lot”? How does the mechanism of emotions – spending – emotions erode accumulation, and how can we escape the “spend when tired” loop?
2) Asset reference system for young people:
Defining “assetism” in the context of escalating costs; the principle of asset layering and automating accumulation to prioritize “keeping for yourself first”.
3) From data to action with HVA:
Measure your cash flow – see your financial health – make disciplined decisions. HVA shares how to turn personal financial data into a clear, emotion-free wealth plan.
Highlights not to be missed
- Case study by income level (7–10 million / 20–30 million / first ~100 million): Each group will have different allocation frameworks, priorities, and disciplines – practical enough to “get it done now.”.
- Minigame “Where did your money go this month?”: Take a minute to reflect and realize it's the small but repeated expenses that are thinning your bank account.
- Live Q&A: Shareholders, investors, and audiences ask real questions—get straight answers on how to escape “emotional spending” and build a sound wealth plan.
Invitation from HVA Group
HVA pursues a digital financial ecosystem that is real, transparent, and compliant, aiming at multi-channel asset management capabilities for Vietnamese users. If you are interested in how to move from “knowing how much you spend” to “knowing exactly where to spend” and start accumulating less worries and more assets, join HVA Finance Talk #3 to update your mindset, implementation methods, and accompanying tools.Disclaimer: The program is for academic and professional exchange purposes. It is not an offer to buy/sell securities, does not call for investment, and does not use digital assets as a means of payment.
