The AI That Knows Your Wallet Better Than You: VNDirect, TCInvest, Finhay, and Anfin Revolutionize Personalized Investing

The Rise of Personalized Investment Platforms in Vietnam

In recent years, Vietnam’s financial market has witnessed a boom in personal investment. Financial applications are no longer just trading tools but have evolved into smart investment ecosystems, where AI and big data act as 24/7 personal advisors.

The period from 2015 to 2018 can be considered the early days of digital investment, when most platforms only provided basic order placement and summary functions. However, since 2023, the emergence of new technologies has transformed online investing into a completely different experience.

Many new investors prefer apps with integrated analysis and personalized portfolio suggestions rather than just price displays. This clearly shows that technology is not only changing investment behavior but also opening up market access to new groups of users.

The Breakthrough of Personalized Investment Platforms

Among the pioneering platforms, VNDirect stands out with its D-Rating tool, which allows users to evaluate the health of businesses and rank stocks based on quantitative criteria. This is not just a scorecard but a “diagnosis” that boosts investors’ confidence before making a move.

TCInvest, developed by TCBS, attracts attention with its robo-advisor that automatically creates personalized financial plans, from long-term retirement goals to short-term accumulation strategies. Finhay lowers the barrier to market entry, allowing investments from 50,000 VND with portfolios personalized according to behavior and risk appetite. Meanwhile, Anfin adds interactivity with its “gom góp” (savings) feature and virtual consultants, helping new investors build consistent saving habits.

The core of this trend lies in the ability to leverage big data and artificial intelligence. AI not only collects market information but also learns from the behavior of each user to provide real-time recommendations.

A report published by McKinsey in October 2024 indicates that “The majority of the fast-growing asset pool in the Asia-Pacific region is expected to be managed through digital platforms in the next three years, with up to $700 billion from mass affluent and high net worth clients shifting to tech-enabled asset management platforms.”

“About 50-60% of wealthy investors express a desire to grow their assets through digital platforms, while 80% prioritize digital solutions for their low cost, transparency, and ability to personalize investment portfolios.” This confirms that personalized investing will become the standard in the near future.

Prospects for Personalized Investing in Vietnam

The practical impact on Vietnamese investors is evident. Newbies no longer have to rely on rumors from forums, while experienced investors save time by quickly validating strategies with quantitative data. A typical example is using TCInvest’s robo-advisor for long-term planning. Instead of complex calculations, users only need to input basic information, and the system will suggest a balanced portfolio that automatically adjusts to market fluctuations.

However, the trend of personalized investing also presents challenges. Data security remains a significant concern, as transaction information and investment portfolios are sensitive data. Moreover, despite AI’s increasing intelligence, the human element is still necessary. According to McKinsey, about 45% of investors in the survey desired support from financial experts to effectively combine technological power with human experience.

Personalized investing is reshaping Vietnam’s entire financial market. With the development of platforms like VNDirect, TCInvest, Finhay, and Anfin, AI is not just a technology but a financial advisor accompanying each user. In the future, smart investing will no longer be the privilege of professional investors but a common tool for anyone who wants to take control of their finances.