{"id":22936,"date":"2025-11-25T16:14:58","date_gmt":"2025-11-25T09:14:58","guid":{"rendered":"https:\/\/hva.group\/?p=22936"},"modified":"2025-11-25T16:15:11","modified_gmt":"2025-11-25T09:15:11","slug":"hva-finance-talk-3-when-every-thing-increases-income-assets-or-savings","status":"publish","type":"post","link":"https:\/\/hva.group\/en\/hva-finance-talk-3-when-every-thing-increases-income-assets-or-savings\/","title":{"rendered":"HVA FINANCE TALK #3: When everything increases except income \u2013 Accumulate assets or accumulate worries?"},"content":{"rendered":"
\"\"<\/figure>\n\n\n\n

The generation earns more than ever, but the feeling of \u201clack\u201d is increasingly evident: salary increases cannot keep up with the cost of living, cash flows follow emotions faster than into the future. From instant \u201ccures\u201d to the pressure to \u201clook good\u201d on social media, many young people are falling into Money Dysmorphia \u2013 a disorder of money perception: working a lot but not feeling like they have money, investing sometimes makes money but still feels insecure.<\/p>\n\n\n\n

That's why HVA Finance Talk 3<\/strong> 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 \u2013 or are we just accumulating worries?<\/em> 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.<\/p>\n\n\n\n

Main content<\/strong><\/h2>\n\n\n\n

Topic:<\/strong> When everything increases except income \u2013 Accumulate assets or accumulate worries?<\/em>
<\/em>Time:<\/strong> 20:00 \u2013 21:30, Wednesday, December 3, 2025
Form:<\/strong> Livestream on HVA Fanpage<\/p>\n\n\n\n

Host:<\/strong> Ms. Giang Mi \u2013 IR HVA
Guest:<\/strong> Mr. Ho Trung Dinh - Director of HVA Multi-Channel Asset Management Center<\/p>\n\n\n\n

Mr. Ho Trung Dinh has extensive experience from traditional finance to financial technology, directly implementing \u201cmeasure \u2013 see \u2013 act\u201d solutions on personal financial data. He has many years of experience designing optimal investment portfolios combining stocks \u2013 gold \u2013 currencies with automated technology solutions. <\/p>\n\n\n\n

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.<\/p>\n\n\n\n

Three key discussion axes<\/strong><\/h2>\n\n\n\n

1) Money Dysmorphia & Spending Behavior:<\/strong>
<\/strong> Why do we \u201cearn well\u201d but still \u201cworry a lot\u201d? How does the mechanism of emotions \u2013 spending \u2013 emotions erode accumulation, and how can we escape the \u201cspend when tired\u201d loop?<\/p>\n\n\n\n

2) Asset reference system for young people:<\/strong>
<\/strong> Defining \u201cassetism\u201d in the context of escalating costs; the principle of asset layering and automating accumulation to prioritize \u201ckeeping for yourself first\u201d.<\/p>\n\n\n\n

3) From data to action with HVA:<\/strong>
<\/strong>Measure your cash flow \u2013 see your financial health \u2013 make disciplined decisions. HVA shares how to turn personal financial data into a clear, emotion-free wealth plan.<\/p>\n\n\n\n

Highlights not to be missed<\/strong><\/h2>\n\n\n\n
    \n
  • Case study by income level (7\u201310 million \/ 20\u201330 million \/ first ~100 million):<\/strong> Each group will have different allocation frameworks, priorities, and disciplines \u2013 practical enough to \u201cget it done now.\u201d.
    <\/li>\n\n\n\n
  • Minigame \u201cWhere did your money go this month?\u201d<\/strong>: Take a minute to reflect and realize it's the small but repeated expenses that are thinning your bank account.
    <\/li>\n\n\n\n
  • Live Q&A:<\/strong> Shareholders, investors, and audiences ask real questions\u2014get straight answers on how to escape \u201cemotional spending\u201d and build a sound wealth plan.<\/li>\n<\/ul>\n\n\n\n

    Invitation from HVA Group<\/strong><\/h2>\n\n\n\n

    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 \u201cknowing how much you spend\u201d to \u201cknowing exactly where to spend\u201d and start accumulating less worries and more assets, join HVA Finance Talk #3 to update your mindset, implementation methods, and accompanying tools.Disclaimer:<\/strong> 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.<\/p>\n\n\n\n

    <\/p>","protected":false},"excerpt":{"rendered":"

    The generation is earning better than ever, but the feeling of \u201clack\u201d is becoming more evident: wages are not keeping up with the cost of living, and cash flows follow emotions faster than into the future. From instant \u201ccures\u201d to the pressure to \u201clook good\u201d on social media, many people [\u2026]<\/p>","protected":false},"author":9,"featured_media":22949,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_focuskw":"HVA FINANCE TALK","_yoast_wpseo_title":"HVA FINANCE TALK #3: Khi m\u1ecdi th\u1ee9 \u0111\u1ec1u t\u0103ng tr\u1eeb thu nh\u1eadp \u2013 T\u00edch s\u1ea3n hay t\u00edch n\u1ed7i lo?","_yoast_wpseo_metadesc":"HVA Finance Talk 3 l\u00ean s\u00f3ng v\u1edbi m\u1ee5c \u0111\u00edch \u0111i th\u1eb3ng v\u00e0o c\u00e2u h\u1ecfi ch\u1ea1m \u0111\u00fang n\u1ed7i lo hi\u1ec7n th\u1eddi: khi m\u1ecdi th\u1ee9 \u0111\u1ec1u t\u0103ng tr\u1eeb thu nh\u1eadp, ch\u00fang ta n\u00ean t\u00edch s\u1ea3n \u2013 hay ch\u1ec9 \u0111ang t\u00edch th\u00eam n\u1ed7i lo?","footnotes":""},"categories":[27,57],"tags":[],"class_list":["post-22936","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tin-tuc-cong-ty","category-tin-tuc-ir"],"acf":[],"yoast_head":"\nHVA FINANCE TALK #3: Khi m\u1ecdi th\u1ee9 \u0111\u1ec1u t\u0103ng tr\u1eeb thu nh\u1eadp \u2013 T\u00edch s\u1ea3n hay t\u00edch n\u1ed7i lo?<\/title>\n<meta name=\"description\" content=\"HVA Finance Talk 3 l\u00ean s\u00f3ng v\u1edbi m\u1ee5c \u0111\u00edch \u0111i th\u1eb3ng v\u00e0o c\u00e2u h\u1ecfi ch\u1ea1m \u0111\u00fang n\u1ed7i lo hi\u1ec7n th\u1eddi: khi m\u1ecdi th\u1ee9 \u0111\u1ec1u t\u0103ng tr\u1eeb thu nh\u1eadp, ch\u00fang ta n\u00ean t\u00edch s\u1ea3n \u2013 hay ch\u1ec9 \u0111ang t\u00edch th\u00eam n\u1ed7i lo?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hva.group\/en\/wp-json\/wp\/v2\/posts\/22936\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"HVA FINANCE TALK #3: Khi m\u1ecdi th\u1ee9 \u0111\u1ec1u t\u0103ng tr\u1eeb thu nh\u1eadp \u2013 T\u00edch s\u1ea3n hay t\u00edch n\u1ed7i lo?\" \/>\n<meta property=\"og:description\" content=\"HVA Finance Talk 3 l\u00ean s\u00f3ng v\u1edbi m\u1ee5c \u0111\u00edch \u0111i th\u1eb3ng v\u00e0o c\u00e2u h\u1ecfi ch\u1ea1m \u0111\u00fang n\u1ed7i lo hi\u1ec7n th\u1eddi: khi m\u1ecdi th\u1ee9 \u0111\u1ec1u t\u0103ng tr\u1eeb thu nh\u1eadp, ch\u00fang ta n\u00ean t\u00edch s\u1ea3n \u2013 hay ch\u1ec9 \u0111ang t\u00edch th\u00eam n\u1ed7i lo?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/hva.group\/en\/hva-finance-talk-3-when-every-thing-increases-income-assets-or-savings\/\" \/>\n<meta property=\"og:site_name\" content=\"HVA Group\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-25T09:14:58+00:00\" \/>\n<meta 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