{"id":23043,"date":"2025-11-29T11:02:41","date_gmt":"2025-11-29T04:02:41","guid":{"rendered":"https:\/\/hva.group\/?p=23043"},"modified":"2025-11-29T11:03:07","modified_gmt":"2025-11-29T04:03:07","slug":"hva-finance-talk-3-why-income-increases-but-ability-to-accumulate-does-not","status":"publish","type":"post","link":"https:\/\/hva.group\/en\/hva-finance-talk-3-why-income-increases-but-ability-to-accumulate-does-not\/","title":{"rendered":"HVA Finance Talk #3: Why does income increase\u2026 but the ability to save does not?"},"content":{"rendered":"
\"\"<\/figure>\n\n\n\n

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 \u2014 but the amount of money they keep is not increasing proportionally. This is not a story of \u201clack of effort\u201d. 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.<\/p>\n\n\n\n

When the prices of meals, housing, services, transportation\u2026 all escalate, incomes slow down every year, causing many people to fall into a state of \u201cthe more you earn, the less you have\u201d. Income of 15-20 million still feels difficult; 25-30 million but \u201cend of month surplus\u201d 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 \u2014 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.<\/p>\n\n\n\n

The solution lies in \u201ccapitalism\u201d<\/strong><\/h2>\n\n\n\n

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 \u201clack of money\u201d? The answer \u2014 according to HVA\u2019s observations \u2014 lies in a basic but increasingly urgent financial mindset: asset accumulation. Not to \u201cget rich quick\u201d, but to preserve what we have worked hard to create.<\/p>\n\n\n\n

The spirit of accumulation that HVA pursues focuses on three points:<\/p>\n\n\n\n

    \n
  • Discipline before inspiration: automate a fixed savings rate as soon as income comes in, consider it a \u201cmandatory expense\u201d of the future.
    <\/li>\n\n\n\n
  • Structure instead of movement: prioritize safe foundation (reserve, preserve purchasing power) then growth channel; avoid chasing short-term waves.
    <\/li>\n\n\n\n
  • Based on real data: track your personal cash flow, identify \u201cleaks,\u201d and optimize with tools \u2014 instead of relying on gut instinct.<\/li>\n<\/ul>\n\n\n\n

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

    HVA Finance Talk #3: \u201cWhen everything increases except income \u2013 Accumulate assets or accumulate worries?\u201d<\/strong><\/h2>\n\n\n\n

    To go into specific methods, HVA organizes an online chat:<\/p>\n\n\n\n

      \n
    • Time: 20:00, Wednesday, December 3, 2025
      <\/li>\n\n\n\n
    • Format: Livestream on HVA Fanpage
      <\/li>\n\n\n\n
    • Host: Giang Mi \u2014 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.
      <\/li>\n\n\n\n
    • 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.<\/li>\n<\/ul>\n\n\n\n

      With a background in banking \u2013 securities \u2013 financial technology, Mr. Dinh brings unbiased analysis based on transaction data and actual consumer behavior of Vietnamese people: cash flow models of young people; \u201cleaks\u201d 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.<\/p>\n\n\n\n

      Why join?<\/strong><\/h2>\n\n\n\n

      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 \u201cwhy do I still lack money despite working a lot?\u201d, \u201cwhere does my money go every month?\u201d, or \u201cwhy does my income increase but my sense of security decrease?\u201d, this livestream will help you see things more clearly \u2013 systematically \u2013 and realistically.<\/p>\n\n\n\n

      See you at 20:00, Wednesday, December 3, 2025 on HVA Fanpage. HVA respectfully invites investors and the community to follow.<\/p>","protected":false},"excerpt":{"rendered":"

      In the user data and feedback that HVA has collected over time, there is a clear recurring theme: many people work harder, their incomes increase steadily year after year \u2014 but the amount they keep does not increase proportionally. This is not a story of \u201clack of effort\u201d. The problem [\u2026]<\/p>","protected":false},"author":9,"featured_media":23044,"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: V\u00ec sao thu nh\u1eadp t\u0103ng\u2026 nh\u01b0ng kh\u1ea3 n\u0103ng t\u00edch l\u0169y th\u00ec kh\u00f4ng?","_yoast_wpseo_metadesc":"Nhi\u1ec1u ng\u01b0\u1eddi \u0111ang l\u00e0m vi\u1ec7c ch\u0103m ch\u1ec9 h\u01a1n, ki\u1ebfm t\u1ed1t h\u01a1n, thu nh\u1eadp t\u0103ng \u0111\u1ec1u qua t\u1eebng n\u0103m, nh\u01b0ng cu\u1ed1i th\u00e1ng nh\u00ecn l\u1ea1i, gi\u1eef \u0111\u01b0\u1ee3c ch\u1eb3ng bao nhi\u00eau.","footnotes":""},"categories":[57,28],"tags":[],"class_list":["post-23043","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tin-tuc-ir","category-tin-tuc-thi-truong"],"acf":[],"yoast_head":"\nHVA Finance Talk #3: V\u00ec sao thu nh\u1eadp t\u0103ng\u2026 nh\u01b0ng kh\u1ea3 n\u0103ng t\u00edch l\u0169y th\u00ec kh\u00f4ng?<\/title>\n<meta name=\"description\" content=\"Nhi\u1ec1u ng\u01b0\u1eddi \u0111ang l\u00e0m vi\u1ec7c ch\u0103m ch\u1ec9 h\u01a1n, ki\u1ebfm t\u1ed1t h\u01a1n, thu nh\u1eadp t\u0103ng \u0111\u1ec1u qua t\u1eebng n\u0103m, nh\u01b0ng cu\u1ed1i th\u00e1ng nh\u00ecn l\u1ea1i, gi\u1eef \u0111\u01b0\u1ee3c ch\u1eb3ng bao nhi\u00eau.\" \/>\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\/23043\" \/>\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: V\u00ec sao thu nh\u1eadp t\u0103ng\u2026 nh\u01b0ng kh\u1ea3 n\u0103ng t\u00edch l\u0169y th\u00ec kh\u00f4ng?\" \/>\n<meta property=\"og:description\" content=\"Nhi\u1ec1u ng\u01b0\u1eddi \u0111ang l\u00e0m vi\u1ec7c ch\u0103m ch\u1ec9 h\u01a1n, ki\u1ebfm t\u1ed1t h\u01a1n, thu nh\u1eadp t\u0103ng \u0111\u1ec1u qua t\u1eebng n\u0103m, nh\u01b0ng cu\u1ed1i th\u00e1ng nh\u00ecn l\u1ea1i, gi\u1eef \u0111\u01b0\u1ee3c ch\u1eb3ng bao nhi\u00eau.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/hva.group\/en\/hva-finance-talk-3-why-income-increases-but-ability-to-accumulate-does-not\/\" \/>\n<meta property=\"og:site_name\" content=\"HVA Group\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-29T04:02:41+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-29T04:03:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/hva.group\/wp-content\/uploads\/2025\/11\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"HVA Group\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"HVA Group\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/hva.group\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/hva.group\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong\/\"},\"author\":{\"name\":\"HVA Group\",\"@id\":\"https:\/\/hva.group\/#\/schema\/person\/03729d08a6ea1d70c6f95c49510d6da1\"},\"headline\":\"HVA Finance Talk #3: V\u00ec sao thu nh\u1eadp t\u0103ng\u2026 nh\u01b0ng kh\u1ea3 n\u0103ng t\u00edch l\u0169y th\u00ec kh\u00f4ng?\",\"datePublished\":\"2025-11-29T04:02:41+00:00\",\"dateModified\":\"2025-11-29T04:03:07+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/hva.group\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong\/\"},\"wordCount\":1333,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/hva.group\/#organization\"},\"image\":{\"@id\":\"https:\/\/hva.group\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/hva.group\/wp-content\/uploads\/2025\/11\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong.jpg\",\"articleSection\":[\"tin t\u1ee9c IR\",\"Tin t\u1ee9c th\u1ecb tr\u01b0\u1eddng\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/hva.group\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/hva.group\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong\/\",\"url\":\"https:\/\/hva.group\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong\/\",\"name\":\"HVA Finance Talk #3: V\u00ec sao thu nh\u1eadp t\u0103ng\u2026 nh\u01b0ng kh\u1ea3 n\u0103ng t\u00edch l\u0169y th\u00ec kh\u00f4ng?\",\"isPartOf\":{\"@id\":\"https:\/\/hva.group\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/hva.group\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/hva.group\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/hva.group\/wp-content\/uploads\/2025\/11\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong.jpg\",\"datePublished\":\"2025-11-29T04:02:41+00:00\",\"dateModified\":\"2025-11-29T04:03:07+00:00\",\"description\":\"Nhi\u1ec1u ng\u01b0\u1eddi \u0111ang l\u00e0m vi\u1ec7c ch\u0103m ch\u1ec9 h\u01a1n, ki\u1ebfm t\u1ed1t h\u01a1n, thu nh\u1eadp t\u0103ng \u0111\u1ec1u qua t\u1eebng n\u0103m, nh\u01b0ng cu\u1ed1i th\u00e1ng nh\u00ecn l\u1ea1i, gi\u1eef \u0111\u01b0\u1ee3c ch\u1eb3ng bao nhi\u00eau.\",\"breadcrumb\":{\"@id\":\"https:\/\/hva.group\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/hva.group\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/hva.group\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong\/#primaryimage\",\"url\":\"https:\/\/hva.group\/wp-content\/uploads\/2025\/11\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong.jpg\",\"contentUrl\":\"https:\/\/hva.group\/wp-content\/uploads\/2025\/11\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong.jpg\",\"width\":1920,\"height\":1080,\"caption\":\"HVA Finance Talk #3: V\u00ec sao thu nh\u1eadp t\u0103ng\u2026 nh\u01b0ng kh\u1ea3 n\u0103ng t\u00edch l\u0169y th\u00ec kh\u00f4ng?\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/hva.group\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Trang ch\u1ee7\",\"item\":\"https:\/\/hva.group\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"tin t\u1ee9c IR\",\"item\":\"https:\/\/hva.group\/tin-tuc-ir\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"HVA Finance Talk #3: V\u00ec sao thu nh\u1eadp t\u0103ng\u2026 nh\u01b0ng kh\u1ea3 n\u0103ng t\u00edch l\u0169y th\u00ec kh\u00f4ng?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/hva.group\/#website\",\"url\":\"https:\/\/hva.group\/\",\"name\":\"HVA Group\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/hva.group\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/hva.group\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/hva.group\/#organization\",\"name\":\"HVA Group\",\"url\":\"https:\/\/hva.group\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/hva.group\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/hva.group\/wp-content\/uploads\/2023\/11\/HVA-200-X-200.png\",\"contentUrl\":\"https:\/\/hva.group\/wp-content\/uploads\/2023\/11\/HVA-200-X-200.png\",\"width\":200,\"height\":200,\"caption\":\"HVA Group\"},\"image\":{\"@id\":\"https:\/\/hva.group\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/hva.group\/#\/schema\/person\/03729d08a6ea1d70c6f95c49510d6da1\",\"name\":\"HVA Group\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/hva.group\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/hva.group\/wp-content\/uploads\/2023\/09\/Logo-200x200-1-96x96.png\",\"contentUrl\":\"https:\/\/hva.group\/wp-content\/uploads\/2023\/09\/Logo-200x200-1-96x96.png\",\"caption\":\"HVA Group\"},\"description\":\"C\u1ed5 phi\u1ebfu HVA, l\u00e0 l\u1ef1a ch\u1ecdn sinh l\u1eddi b\u1ec1n v\u1eefng trong l\u0129nh v\u1ef1c \u0111\u1ea7u t\u01b0. Cam k\u1ebft \u0111em l\u1ea1i an to\u00e0n v\u00e0 l\u1ee3i \u00edch t\u1ed1i \u0111a cho nh\u00e0 \u0111\u1ea7u t\u01b0 qua c\u00e1c gi\u1ea3i ph\u00e1p \u0111\u1ea7u t\u01b0 hi\u1ec7u qu\u1ea3\",\"url\":\"https:\/\/hva.group\/en\/author\/hvagroup\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"HVA Finance Talk #3: Why does income increase\u2026 but the ability to save does not?","description":"Many people are working harder, earning better, their income increases steadily year after year, but at the end of the month they look back and see they have very little left.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/hva.group\/en\/wp-json\/wp\/v2\/posts\/23043","og_locale":"en_US","og_type":"article","og_title":"HVA Finance Talk #3: V\u00ec sao thu nh\u1eadp t\u0103ng\u2026 nh\u01b0ng kh\u1ea3 n\u0103ng t\u00edch l\u0169y th\u00ec kh\u00f4ng?","og_description":"Nhi\u1ec1u ng\u01b0\u1eddi \u0111ang l\u00e0m vi\u1ec7c ch\u0103m ch\u1ec9 h\u01a1n, ki\u1ebfm t\u1ed1t h\u01a1n, thu nh\u1eadp t\u0103ng \u0111\u1ec1u qua t\u1eebng n\u0103m, nh\u01b0ng cu\u1ed1i th\u00e1ng nh\u00ecn l\u1ea1i, gi\u1eef \u0111\u01b0\u1ee3c ch\u1eb3ng bao nhi\u00eau.","og_url":"https:\/\/hva.group\/en\/hva-finance-talk-3-why-income-increases-but-ability-to-accumulate-does-not\/","og_site_name":"HVA Group","article_published_time":"2025-11-29T04:02:41+00:00","article_modified_time":"2025-11-29T04:03:07+00:00","og_image":[{"width":1920,"height":1080,"url":"https:\/\/hva.group\/wp-content\/uploads\/2025\/11\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong.jpg","type":"image\/jpeg"}],"author":"HVA Group","twitter_card":"summary_large_image","twitter_misc":{"Written by":"HVA Group","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/hva.group\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong\/#article","isPartOf":{"@id":"https:\/\/hva.group\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong\/"},"author":{"name":"HVA Group","@id":"https:\/\/hva.group\/#\/schema\/person\/03729d08a6ea1d70c6f95c49510d6da1"},"headline":"HVA Finance Talk #3: V\u00ec sao thu nh\u1eadp t\u0103ng\u2026 nh\u01b0ng kh\u1ea3 n\u0103ng t\u00edch l\u0169y th\u00ec kh\u00f4ng?","datePublished":"2025-11-29T04:02:41+00:00","dateModified":"2025-11-29T04:03:07+00:00","mainEntityOfPage":{"@id":"https:\/\/hva.group\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong\/"},"wordCount":1333,"commentCount":0,"publisher":{"@id":"https:\/\/hva.group\/#organization"},"image":{"@id":"https:\/\/hva.group\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong\/#primaryimage"},"thumbnailUrl":"https:\/\/hva.group\/wp-content\/uploads\/2025\/11\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong.jpg","articleSection":["tin t\u1ee9c IR","Tin t\u1ee9c th\u1ecb tr\u01b0\u1eddng"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/hva.group\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/hva.group\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong\/","url":"https:\/\/hva.group\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong\/","name":"HVA Finance Talk #3: Why does income increase\u2026 but the ability to save does not?","isPartOf":{"@id":"https:\/\/hva.group\/#website"},"primaryImageOfPage":{"@id":"https:\/\/hva.group\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong\/#primaryimage"},"image":{"@id":"https:\/\/hva.group\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong\/#primaryimage"},"thumbnailUrl":"https:\/\/hva.group\/wp-content\/uploads\/2025\/11\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong.jpg","datePublished":"2025-11-29T04:02:41+00:00","dateModified":"2025-11-29T04:03:07+00:00","description":"Many people are working harder, earning better, their income increases steadily year after year, but at the end of the month they look back and see they have very little left.","breadcrumb":{"@id":"https:\/\/hva.group\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/hva.group\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/hva.group\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong\/#primaryimage","url":"https:\/\/hva.group\/wp-content\/uploads\/2025\/11\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong.jpg","contentUrl":"https:\/\/hva.group\/wp-content\/uploads\/2025\/11\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong.jpg","width":1920,"height":1080,"caption":"HVA Finance Talk #3: V\u00ec sao thu nh\u1eadp t\u0103ng\u2026 nh\u01b0ng kh\u1ea3 n\u0103ng t\u00edch l\u0169y th\u00ec kh\u00f4ng?"},{"@type":"BreadcrumbList","@id":"https:\/\/hva.group\/hva-finance-talk-3-vi-sao-thu-nhap-tang-nhung-kha-nang-tich-luy-thi-khong\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Trang ch\u1ee7","item":"https:\/\/hva.group\/"},{"@type":"ListItem","position":2,"name":"tin t\u1ee9c IR","item":"https:\/\/hva.group\/tin-tuc-ir\/"},{"@type":"ListItem","position":3,"name":"HVA Finance Talk #3: V\u00ec sao thu nh\u1eadp t\u0103ng\u2026 nh\u01b0ng kh\u1ea3 n\u0103ng t\u00edch l\u0169y th\u00ec kh\u00f4ng?"}]},{"@type":"WebSite","@id":"https:\/\/hva.group\/#website","url":"https:\/\/hva.group\/","name":"HVA Group","description":"","publisher":{"@id":"https:\/\/hva.group\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/hva.group\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/hva.group\/#organization","name":"HVA Group","url":"https:\/\/hva.group\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/hva.group\/#\/schema\/logo\/image\/","url":"https:\/\/hva.group\/wp-content\/uploads\/2023\/11\/HVA-200-X-200.png","contentUrl":"https:\/\/hva.group\/wp-content\/uploads\/2023\/11\/HVA-200-X-200.png","width":200,"height":200,"caption":"HVA Group"},"image":{"@id":"https:\/\/hva.group\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/hva.group\/#\/schema\/person\/03729d08a6ea1d70c6f95c49510d6da1","name":"HVA Group","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/hva.group\/#\/schema\/person\/image\/","url":"https:\/\/hva.group\/wp-content\/uploads\/2023\/09\/Logo-200x200-1-96x96.png","contentUrl":"https:\/\/hva.group\/wp-content\/uploads\/2023\/09\/Logo-200x200-1-96x96.png","caption":"HVA Group"},"description":"HVA shares are a sustainable profitable choice in the investment field. Committed to bringing safety and maximum benefits to investors through effective investment solutions.","url":"https:\/\/hva.group\/en\/author\/hvagroup\/"}]}},"_links":{"self":[{"href":"https:\/\/hva.group\/en\/wp-json\/wp\/v2\/posts\/23043","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hva.group\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hva.group\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hva.group\/en\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/hva.group\/en\/wp-json\/wp\/v2\/comments?post=23043"}],"version-history":[{"count":1,"href":"https:\/\/hva.group\/en\/wp-json\/wp\/v2\/posts\/23043\/revisions"}],"predecessor-version":[{"id":23045,"href":"https:\/\/hva.group\/en\/wp-json\/wp\/v2\/posts\/23043\/revisions\/23045"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hva.group\/en\/wp-json\/wp\/v2\/media\/23044"}],"wp:attachment":[{"href":"https:\/\/hva.group\/en\/wp-json\/wp\/v2\/media?parent=23043"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hva.group\/en\/wp-json\/wp\/v2\/categories?post=23043"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hva.group\/en\/wp-json\/wp\/v2\/tags?post=23043"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}