Traditional investment channels have gone through a "turbulent" period, many investors are bewildered by the continuous "breakthrough" of securities, and corporate bonds are losing confidence. Meanwhile, real estate channel and bank savings are investment channels that are being considered by many people.
As an investor for many years in the stock market, Mr. Pham Tuan (Hai Ba Trung, Hanoi) said that from the beginning of the year until now, his account has been "blown away" equivalent to the value of a luxury apartment in Hanoi. Hanoi. Not to mention, Mr. Tuan is stuck in bonds of some businesses when there is a need to settle but the brokerage unit temporarily stopped buying back.
Instead of choosing an investment channel with high returns with risks, Mr. Nguyen Vu (Long Bien, Hanoi) chose to preserve capital. The story "don't put your eggs in one basket" has been applied by him for many years. While his acquaintances cried on the stock market or real estate, he insisted on buying foreign currency, at most saving it in a bank.
“I divided into investment channels. I don't have much capital, so I can't follow the crowd; especially limit bank loans for investment. Although the profit is low, I will be able to sleep well and focus on my main work in the context of the volatile market. At best, I buy foreign currency or gold as a haven,” said Mr. Vu.
Having money, should investors deposit in a bank or buy real estate? (illustration).
Talking to Tien Phong, economist Ngo Tri Long assessed that the stock market is currently in a serious decline with low liquidity. The real estate market is almost frozen. Bank deposits are relatively safe. However, in recent times, there have been a number of cases that have shaken depositors' confidence. Some banks operate outside the industry as brokers providing other products that affect their reputation. Corporate bonds are like ticking time bombs. Meanwhile, the newly issued Decree 65/2022 has not had much impact. The assessment of corporate credit before issuing bonds has not been done well.
“The financial and monetary market is currently very difficult, with some potential uncertainties. Many people have idle money but wonder which investment channel to choose. In the current context, the best advice for investors before deciding to invest in any channel is to understand the nature of the channel's operation. Investors should not invest according to the movement, according to the majority, "said expert Ngo Tri Long.
Mr. Long cited an example, when investors invest in stocks, even though the market is falling, there are still stocks of enterprises that do well. Therefore, each investor needs to train himself to become a smart investor by learning and hiring consultants of the field.
“Financial investment is now more prudent than ever. Investors are not familiar with securities, while corporate bonds are only for professional investors, real estate is frozen; If choosing a safe option, investors can choose to save money in a bank," said Mr. Long.
Economist Le Dang Doanh said that with the difficult economy, real estate investment presents many risks. Real estate investors should be cautious. Earning unexpected high profits from the real estate investment channel is almost gone. Meanwhile, savings channel with moderate profit but high safety.
Many other economic experts believe that, if you have a few billion dong in cash, in the immediate future, people should learn about reputable banks and deposit them. Preserving capital, being the "cash king" waiting for the opportunity to invest in profitable channels in the long run.
According to Quynh Nga/Tienphong.vn
