Not having much money at the present time but setting goals for the future and maintaining accumulation discipline will help each person build financial sustainability for themselves, especially when that accumulated money continues to generate profits and ensure safety.
That is how ABBank's An Gia Accumulation solution operates: Measured according to accumulation and investment needs, 100% profitable, no fees and additional insurance benefits.
Accumulated but money still thrives
At the age of 38, Ms. Thu already has a savings account and regularly saves more each month. She understands that with the goal of extending for 3, 5 or 10 years such as preparing for her children to go to university or accumulating for retirement age, in addition to saving, she can consider additional investment to increase the value of assets over time.
But from the desire to starting to implement it is not easy. Previously, she participated in life insurance, but the profit was not as expected because it depended on the capital business of insurance, and deposits on ordinary savings do not have attractive interest rates. Ms. Thu did not dare to risk investing in stocks or playing hui even though she knew that profits might be better.
To solve these problems, recently, An Binh Commercial Joint Stock Bank (ABBank) launched the An Gia Accumulation Solution so that customers can both accumulate and feel secure that their money still generates regular profits.
An Gia Accumulation empowers customers to proactively choose the amount of money they accumulate, which is allocated according to savings and investment ratios. The factor that creates differentiation and reassures customers is that ABBank and its partner cooperate in implementing a solution to commit to yields for each 12-month cycle, announced at the beginning of each year, 100% capital preservation and profit for the amount of money, regardless of the ratio chosen in An Gia Accumulation.
With the savings amount, customers will enjoy a fixed savings interest rate of up to 7%/year for the first year. With the investment amount, customers will enjoy higher interest rates according to the notification of partners cooperating with ABBank at each time of application. Customers will not be deducted any management fees throughout the accumulation journey.
People who prioritize stability can give a larger proportion to savings; people who expect to increase accumulated value in the long term can choose a higher proportion of investment. Customers do not have to directly carry out investment activities themselves but still decide how to allocate cash flow according to their goals and receive the desired return.
Large value starts from small accumulation
A financial goal for a few years or decades is often associated with a not small number. But that does not mean that customers have to wait until they have a lot of money to start.
With An Gia Accumulation, customers can choose a participation period of 1-10 years, starting from a small amount of money for the starting point and continuing to accumulate steadily from a few million each month. Dividing large goals into moderate amounts helps the plan to be easier to maintain, while forming financial discipline instead of overspending.
Flexibility also lies in the ability to contribute more when cash flow is better. Notably, additional accumulation still applies the interest rate/interest rate set from the beginning of the period, helping customers start at a suitable level but can still increase and optimize the value of accumulation during participation. The savings part creates a stable foundation, while the investment component opens up the possibility of increasing value.
More layers of health protection, accompanying long journeys
Not only establishing financial discipline habits with customers, An Gia Accumulation solution also brings an additional layer of protection, accompanying customers to firmly maintain accumulation goals for the future. Depending on the chosen plan, customers can enjoy insurance benefits up to 150% of the accumulated principal balance, up to 30 billion VND, along with hospitalization allowance benefits up to 3 million VND/day, up to 180 million VND/year and protection time up to 71 years old.
Insurance costs are not deducted from the participating amount, so 100% of the customer's principal and interest are still preserved.
That is also the difference that An Gia Accumulate aims for: not offering a common formula, but empowering customers to determine the balance between stability and growth, based on their own goals, financial capabilities and priorities.
A big plan for the future can start from the money accumulated from today. More importantly, it is a suitable and disciplined enough choice to go to the end.
