With a capital of only 50 - 100 million VND, many people think that investing is far-fetched. But many investors have taken advantage of small capital to create significant profits.
Mr. Nguyen Quang Minh, an office worker in Hanoi, used to struggle with a salary of 12 million VND/month. Realizing that it would be difficult to increase his assets based on salary alone, he cut down on spending, saved for more than a year and spent 50 million VND to invest in stocks.
“After having capital, I carefully studied the market, consulted experts and chose to buy shares of a consumer goods manufacturing company. Two years later, the stock value doubled thanks to the company expanding its market share,” Minh shared.
During that time, he continued to save from his salary and bonuses, expanding his investment in ETFs to diversify his portfolio, reduce risk and maintain stable profits. After two years, his total investment assets reached more than VND220 million. “Although this number is still modest, I will continue to reinvest to increase my assets,” he said.
Similar to Mr. Minh, Ms. Nguyen Thi Hanh, a small trader in Hanoi, also started with a small capital of 80 million VND to invest and do business. “I realized that the need to find creative spaces for taking photos and videos is increasing, especially among young people and those doing online business. Therefore, I found an old apartment with a reasonable rental price, signed a long-term lease contract, and invested in basic renovations to turn it into a mini studio. Thanks to choosing the right location, airy space and investing in eye-catching decoration, I earn an average of 12 million VND per month from hourly rental. This amount of money helps me not only recover my capital quickly but also create a stable income stream.”
After three years of maintaining this model, Ms. Hanh has earned a total of more than 400 million VND in revenue, after deducting the costs of rent, maintenance and electricity and water, the net profit is about 240 million VND. Realizing the potential of this model, she decided to expand, finding another apartment to double the service capacity. She also invested in professional lighting equipment and more modern decor to increase the service value, helping to increase the hourly rental price. Thanks to a reasonable expansion strategy, her monthly income has now increased to about 18 - 20 million VND, helping her have a more stable financial source to continue investing.
According to personal finance expert Nguyen Hoang Nam, small investors can increase their assets with small capital if they choose the right channel and have a clear strategy. Mr. Nam believes that stocks are one of the potential options, but are also quite risky investment channels, only suitable for investors with high risk appetite and the ability to accept market fluctuations.
Therefore, investors should consider carefully before participating, and prioritize long-term growth stocks or ETFs to diversify their portfolio and minimize risks.
In addition, small business models such as renting creative spaces, or taking advantage of existing assets to generate passive income, are also ways to help investors grow their assets from small capital.
For those who prioritize safety, gold and rental real estate are also options worth considering. However, Mr. Nam emphasized that effective investment lies not only in choosing the channel but also in financial discipline, risk management ability and long-term thinking, avoiding the mentality of chasing quick profits without a clear plan.
