Every Resource Can Generate Profit
Recently, on social media and in the press, actress Kaity Nguyễn, author Ngọc Nick M, and financial expert Thái Vân Linh—individuals with diverse backgrounds, ages, and careers—share a common mindset: No resource, whether tangible or intangible, should remain idle. Everything must be in motion, creating value, and ideally generating multiple layers of benefits simultaneously. Money, which “earns when saved and benefits when spent,” is the most concrete and measurable example of this principle.
The following three personal success stories serve as testaments to this emerging wave of thinking.
When Passion Becomes a Profitable Investment
At 26, Kaity Nguyễn is not only a familiar face on Vietnamese screens but also the founder of KAT House, a training center for young actors. For her, financial management is no different from career management: both require discipline, vision, and the ability to navigate challenges.
For Kaity, profitability extends beyond finances. Each role and artistic project is a long-term investment—a commitment of her passion, time, and energy. KAT House is a prime example of her belief that investing in people is the most sustainable investment. To achieve this efficiently, she relies on the VIB Profit Duo, ensuring every penny, whether saved or spent, generates returns.
“I love the feeling that money is always productive, even when I’m not using it. It just sits there, earning a little each day, secure yet flexible,” she says about the VIB Super Interest Account, which offers up to 4.3% annual interest. Paired with the VIB Smart Card, which provides up to 5% cashback on online spending, she feels her money earns twice—once when saved, once when spent.
Time, Experience, Knowledge, and Cash Flow—All Profitable Assets
With nearly two decades in writing, Ngọc Nick M—author of “1987,” “1987+: 30 chưa phải là Tết,” and “Ba lô trên thảm đỏ”—has traveled to over 25 countries. For him, the goal isn’t to travel as much as possible but to ensure each trip generates profit.
“I used to think experiences were just about emotions. But as I’ve grown, I’ve realized they’re like investments—when you put effort, time, and passion in the right places, the value far exceeds the cost,” he shares.
For Nick M, “Money and time share a commonality: when placed correctly, both create greater value for yourself and others.” He reflects on lessons from the international younger generation, who manage finances to buy back time and freedom: “I’ve learned that money should be a tool to live better, not a limitation.”
Nick M divides his finances into four clear categories: 40% for operations and emergency funds, 30% for personal and professional development, 20% for long-term investments, and 10% for emotional spending. For someone like Nick M, who frequently works across borders, maintaining a flexible yet profitable cash flow is crucial. Everything changed when he started using the VIB Profit Duo. “My idle money earns up to 4.3% annually, and when combined with the VIB Smart Card—offering up to 5% cashback on online spending—total benefits can reach 9.3%,” he explains.
The VIB Smart Card’s global payment capability allows Nick M to purchase image licenses, flight tickets, or personal items while still earning cashback, ensuring his travels remain uninterrupted.
Layering Cash Flow—Money Always “Working”
Entrepreneur Thái Vân Linh, with years of experience in finance and investment, emphasizes the concept of “cash flow layering”—dividing financial life into clear objective layers. “It’s essential to separate spending, savings, investments, and emergency funds,” she explains.
“Today’s users need tools that maintain liquidity while maximizing the value of unused funds, even spent money,” Thái Vân Linh shares.
“The VIB Profit Duo is a prime example,” she says. The Super Interest Account earns up to 4.3% annually on idle funds, while the Smart Card offers up to 5% cashback on online transactions. “Total benefits reach nearly 9.3%, and users can withdraw or deposit freely without losing accrued earnings.” More importantly, this model encourages scientific financial behavior. Higher balances mean higher returns and cashback rates, fostering better cash flow management habits.
“In today’s financial management, the key isn’t knowing everything but leveraging the right tools,” Thái Vân Linh stresses.
The VIB Profit Duo—A Product Ahead of the Curve
Three individuals, three fields, three lifestyles—yet all find common ground in the VIB Profit Duo. This is no coincidence. The VIB Profit Duo is designed for the dual-profit trend that modern users are pursuing.
The VIB Profit Duo consists of two pillars catering to modern personal financial management needs: money you hold and money you spend.
With the Super Interest Account, idle funds earn up to 4.3% annually. You can withdraw, transfer, or pay anytime without losing accrued profits. The VIB Smart Card offers up to 5% cashback on every online transaction. The second profit occurs the moment you spend.
What sets the VIB Profit Duo apart isn’t just its features but its design philosophy: centered around real-life needs. No complicated procedures, hidden fees, or confusing terms. Everything is streamlined to serve one purpose: making your money work efficiently, tailored to your lifestyle. The Smart Card even lets you customize its design using Gen AI—a small detail reflecting the philosophy of “personalized experiences.”
With the VIB Profit Duo, there are no complex constraints. Just a simple mindset: let all your resources—money, time, energy, passion—work in the right direction, and life will naturally generate profit.
|
Users receive a free 6-digit beautiful account number when using the Super Interest Account. Until December 31, 2025, new Smart Cardholders can enjoy annual fee waivers, 50% bonus points worth 250,000 VND for attractive rewards, and access to the Profit Universe, where benefits extend with each transaction. Every Friday at 12:00 PM until December 19, 2025, the Profit Universe offers exclusive Super Fan Concert 1 Anh Trai “Say Hi” tickets. |
– 09:24 06/12/2025
Finance Ministry Proposes Lending Regulations for EVN’s Transferred Debt
EVN’s loans transferred to another entity require a contractual shift to the receiving unit. Without approval, EVN must execute a loan re-lending agreement or a debt transfer contract.
Banks Suddenly Halt Housing Loan Incentives for Young Buyers
Several banks have halted preferential loan packages for young homebuyers, while others continue to offer mortgages with slightly increased interest rates.
Central Bank Unexpectedly Raises Interest Rates on Forward Purchases to 4.5%: What’s Behind the Move?
Following the overnight interbank interest rate surge to 7.48% per annum on December 3rd, the State Bank of Vietnam (SBV) unexpectedly adjusted the repo rate for collateralized lending from 4% to 4.5% per annum on December 4th. This move has sparked market speculation about potential ripple effects on the broader interest rate landscape in the interbank market, where transactions occur between banks, businesses, and individuals.
Silver Prices Hold Steady at Elevated Levels Today
Today’s silver prices remain stable both domestically and globally.
December Overflowing with Deals: Celebrating Sacombank’s Birthday Month
Celebrating 34 years of establishment (December 21, 1991 – December 21, 2025), Sacombank launches its special appreciation program, “Millions of Offers – Wholehearted Gratitude,” featuring a series of enticing promotions totaling over 12 billion VND. Designed for both individual and corporate customers throughout December 2025, this marks Sacombank’s most significant gratitude event of the year. It delivers tangible value and a wealth of exclusive experiences during the festive season.
