Which investments to make in 2025?

Financial reports indicate a large amount of cash in the banking system at the end of 2024. Investors in 2025 will have plenty of choices of where to put their money, according to economists and financial analysts.

Financial indicators showed a large volume of cash in the banking system by the end of 2024. Investors looking for options of where to put it in 2025 will have plenty of choices, all with strengths and weaknesses, say economists and financial analysts.

Property

Which investments to make in 2025?
An urban complex in Hà Nội. VNA/VNS Photo

Economist Dr Lê Xuân Nghĩa, said that 2025 is unlikely to be a promising year for the real estate sector. Buyers are holding out for potential price drops, while developers await new laws to ease supply chain challenges.

"Provinces and cities will announce new land prices. I am very concerned that land prices in certain areas might increase significantly. If prices spike drastically, even foreign investors may hesitate to enter the market," Nghĩa said.

On a brighter note, he said that resolving stagnant and abandoned projects could release tens of trillions of VNĐ tied up in land. However, the market in 2025 will largely remain in a 'wait-and-see' phase, with investments likely to be cautious.

Vice Chairman of the Vietnam Real Estate Association (VNREA), Nguyễn Văn Đính, expressed more optimism.

He said 2025 might see better growth compared to 2024, driven by institutional reforms, planning updates and eased corporate bond issues. However, the sharp increase in land prices across several localities presents a notable challenge, inflating housing costs and possibly deterring transactions.

Gold

Which investments to make in 2025?
Experts have advised limiting gold investments beyond 2025. — VNA/VNS Photo

Gold reached an all-time high in 2024, with global prices rising by 28 per cent. In Việt Nam, SJC gold bars climbed by 14 per cent, while gold rings surged 35 per cent. Some analysts forecast another price increase in 2025, before gold enters a so-called 'hibernation' phase as economic recovery gains momentum.

Head of Research at Capitalight Research, Chantele Schieven, highlighted that gold prices in the first half of 2025 could range between US$2,500 and $2,700 per ounce. However, she predicts a surge past $3,000 per ounce in the second half of the year, spurred by potential disruptions such as central banks increasing their gold purchases or economic instability.

CEO of FIDT, Ngô Thành Huấn, advised limiting gold investments beyond 2025. "Once the economy recovers, gold prices will decline. Although I don’t expect a steep drop, prices might decrease by 5-15 per cent," he noted.

Savings

Which investments to make in 2025?
Although potential returns may improve slightly in the first half of the year, savings accounts are still unlikely to generate breakthrough profits. — VNA/VNS Photo

This remains a popular choice due to its low-risk nature, making it suitable for most investors who prioritise safety.

Forecasts suggest that domestic deposit interest rates may rise slightly in the first quarter of 2025, but the average 12-month term interest rate is unlikely to exceed 7 per cent per year, as global interest rates are on a downward trend. Although potential returns may improve slightly in the first half of the year, savings accounts are still unlikely to generate breakthrough profits and are primarily suitable for low-risk investors.

Economist Lê Xuân Nghĩa said: "Macroeconomic conditions are unlikely to see major events. Real estate and corporate bonds face persistent challenges, while gold will encounter pressures. The stock market offers opportunities, but it’s not suitable for everyone".

Stocks and cryptocurrencies

Which investments to make in 2025?

The year 2025 will be an economic pre-recovery period, making stocks a promising investment channel. Many organisations predict that the Vietnamese stock market could grow by around 14-15 per cent in 2025, but with significant fluctuations.

The stock market’s potential upgrade to an 'emerging market' status, expected by September 2025, could attract significant foreign capital, according to Hoàng Quốc Anh, the Investment Director at GHGInvest.

Cryptocurrency, meanwhile, was 2024’s best-performing investment channel, with Bitcoin surpassing US$100,000 per BTC— a historic milestone. Other major cryptocurrencies like Ethereum and BNB also saw significant growth.

Economist Dr Đinh Trọng Thịnh called for a legal framework for digital assets to protect investors and ensure tax compliance. Forbes predicts that major economies could announce Bitcoin reserve strategies in 2025, further solidifying its position as a global asset.

However, risks abound, including market manipulation and scams. Recent cases like TikToker Phó Đức Nam’s (Mr Pips) fraud scheme involving up VNĐ5,200 billion, highlight the need for caution in cryptocurrency investments.

Source: VNS
vietnamnews.vn

Related News

Latest News

Securities 2025 expects a breakthrough in scale and quality

Securities 2025 expects a breakthrough in scale and quality

VCN – The positive factors inherent in the macro economy and the Vietnamese stock market will continue to create the foundation for the market to maintain stability, good liquidity, and growth in both scale and quality in the new year of At Ty 2025, Chairwoman of the State Securities Commission Vu Thi Chan Phuong said.
Cash reserves in stock accounts at six-quarter low amid margin rise

Cash reserves in stock accounts at six-quarter low amid margin rise

These funds are readily available in investor accounts, but remained undeployed as of the year-end.
Five solutions for developing stock market in 2025

Five solutions for developing stock market in 2025

VCN - On February 5, 2025, at the Gong-beating ceremony to open the stock trading at the Ho Chi Minh City Stock Exchange (HOSE), Deputy Minister of Finance Nguyen Duc Chi introduced five solutions for comprehensive development of the stock market.
Minister of Finance Nguyen Van Thang works with GDVC at the first working day after the Tet holiday

Minister of Finance Nguyen Van Thang works with GDVC at the first working day after the Tet holiday

VCN- On February 3, the first working day after the Tet holiday, Minister of Finance Nguyen Van Thang and the delegation visited and worked with the General Department of Vietnam Customs (GDVC).

More News

The stock market after Tết 2025 presents both challenges and opportunities

The stock market after Tết 2025 presents both challenges and opportunities

Việt Nam’s stock market following the 2025 Lunar New Year (Tết Nguyên Đán) presents a complex landscape of risks and potential gains, driven by foreign capital inflows, economic resilience, and looming corporate bond maturity pressures, according to one securities expert.
Opportunities and challenges in Việt Nam

Opportunities and challenges in Việt Nam's crypto boom

Việt Nam boasts one of the most active investment communities in the cryptocurrency sector. However, protecting investors and promoting sustainable growth requires a robust legal framework.
Đà Nẵng aiming to become a regional financial centre before 2050

Đà Nẵng aiming to become a regional financial centre before 2050

The city is setting out goals to promote the development of the financial system in the 2021-30 period, striving for Đà Nẵng to become a regional financial centre in just 25 years.
5 strategies for reallocating houses and land

5 strategies for reallocating houses and land

VCN - The rearrangement and disposal of public-owned houses and land have been officially regulated in Decree No. 03/2025/ND-CP (Decree No. 03), which has just been issued by the Government. According to Decree No. 03, there are five forms of rearrangement and disposal of houses and land.
Stock market expected to rebound positively after Tết holiday: expert

Stock market expected to rebound positively after Tết holiday: expert

Currently, the VN-Index is fluctuating within a wide range of 1,200 to 1,300 points. Without a decisive breakout in either direction, this level of liquidity remains typical.
Ministry of Planning and Investment proposes piloting a cryptocurrency exchange at financial centres

Ministry of Planning and Investment proposes piloting a cryptocurrency exchange at financial centres

The Ministry of Planning and Investment (MPI) has proposed a controlled pilot programme for fintech activities, including digital asset and cryptocurrency trades at financial centres.
Banks selling mortgaged assets to recover bad debts

Banks selling mortgaged assets to recover bad debts

Many banks are rushing to sell mortgaged assets to recover bad debts, as these types of debts are forecast to increase slightly this year.
Keeping inflation in check a priority for 2025

Keeping inflation in check a priority for 2025

Economists have identified a range of factors that may exert inflationary pressure in 2025, including geopolitical risks, global trade disruptions and domestic challenges such as exchange rate fluctuations, rising import costs and natural disasters.
Debt repayment pressure continues to weigh on corporate bond market

Debt repayment pressure continues to weigh on corporate bond market

An alarming 22 per cent of corporate bonds maturing in January 2025 are at risk of defaulting on principal payments, according to a report from VIS Rating.
Read More

Your care

Latest Most read
Securities 2025 expects a breakthrough in scale and quality

Securities 2025 expects a breakthrough in scale and quality

VCN - The market maintained stability, good liquidity, discipline was improved, increasing transparency and sustainability.
Cash reserves in stock accounts at six-quarter low amid margin rise

Cash reserves in stock accounts at six-quarter low amid margin rise

These funds are readily available in investor accounts, but remained undeployed as of the year-end.
Five solutions for developing stock market in 2025

Five solutions for developing stock market in 2025

VCN - On February 5, 2025, at the Gong-beating ceremony to open the stock trading at the Ho Chi Minh City Stock Exchange (HOSE), Deputy Minister of Finance Nguyen Duc Chi introduced five solutions for comprehensive development of the stock market.
Minister of Finance Nguyen Van Thang works with GDVC at the first working day after the Tet holiday

Minister of Finance Nguyen Van Thang works with GDVC at the first working day after the Tet holiday

VCN - On the occasion of the Spring of At Ty 2025, on behalf of the Party Committee and the leaders of the Ministry of Finance, Minister Nguyen Van Thang respectfully sent his best wishes to all the GDVC's officials, civil servants and employees.
The stock market after Tết 2025 presents both challenges and opportunities

The stock market after Tết 2025 presents both challenges and opportunities

Việt Nam’s stock market following the 2025 Lunar New Year (Tết Nguyên Đán) presents a complex landscape of risks and potential gains, driven by foreign capital inflows, economic resilience, and looming corporate bond maturity pressures, according to one securities expert.
Mobile Version