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Home Bank Personal Finance Management: How to Make Your Money Work for You
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Personal Finance Management: How to Make Your Money Work for You

With high liquidity and instant access, funds in a checking account typically earn a meager non-term interest rate, ranging from 0.01% to 0.5% per annum. The funds in these accounts can be considered "sleeping money" as they generate a negligible return.

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4 June, 2024
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    Having a balance in your payment account is essential for everyone. This money provides convenience when it comes to daily and short-term expenses such as shopping, money transfers, and bill payments. However, due to frequent usage, this money often only stays in your account for a few days or weeks, making it unsuitable for savings or investments.

    Many people consider the money in their payment accounts as “sleeping money” as it earns little to no interest. The money may not decrease, but it also doesn’t grow.

    Auto Profit – Changing the Mindset: Money in the payment account is not just “sleeping money”

    The Auto Profit feature on Techcombank Mobile has upgraded to a smart profit-making payment account. With its flexible usage, absolute safety, and optimized profit, it is like a “treasure” that awakens your “sleeping money” to maximize profits every day.

    Open Techcombank Mobile and discover the Auto Profit feature now here

    Hải An

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      Latest article

      Anticipated 90% Tax Exemption for Businesses: Lingering Concerns Remain

      Administrator - 4 December, 2025 0
      The proposed tax threshold for business households, set at 500 million VND, is five times higher than the current level but still falls short of alleviating concerns among small business owners. Experts suggest considering actual net profit margins by industry, advocating for a lighter approach for low-margin sectors and a firmer stance on high-profit businesses.

      Personal Income Tax: Government Aims to Retain Top Bracket at 35%

      Administrator - 4 December, 2025 0
      Under the latest proposal, income exceeding 100 million VND per month, after deductions for dependents, will be subject to the highest tax rate of 35%. The government argues that reducing this rate from 35% to 30% would be perceived as a policy of ‘tax cuts for the wealthy.’

      Vietnam Officially Sets a Record of Over 21 Quadrillion Dong

      Administrator - 4 December, 2025 0
      Vietnam's import-export turnover has surpassed the $800 billion mark, reaching an all-time high and marking a significant milestone in the country's trade history.

      EDITOR PICKS

      Anticipated 90% Tax Exemption for Businesses: Lingering Concerns Remain

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