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Against the backdrop of sharp fluctuations in traditional safe-haven assets such as gold and a stock market facing deep corrections, investors are increasingly looking for a place to preserve capital while still earning solid returns. For many households, the challenge is not saving discipline, but ensuring that saved money does not lose value over time due to inflation and opportunity costs.
Despite regular saving habits, some individuals say their assets have not grown in real terms after years. Ms Hoa, 30, a human resources professional in Hanoi, said she saves monthly for nearly five years, but often keeps funds in checking accounts or chooses short-term maturities for liquidity. “Every month I set aside a sum as a rule. But in truth I save out of habit, with short-term maturities for easy liquidity, or sometimes just keep money in the checking account for ease of spending. When I need money, it’s convenient, but the interest isn't that much,” she said.
Financial experts say a common mistake is assuming that simply keeping money safe is sufficient. In a volatile economy, modern financial management requires a balance of capital preservation, liquidity, and stable returns.
Savings accounts and time deposits remain a “safe haven” for most people because they do not require complex investment knowledge and rely on disciplined saving behavior. In addition, the rate environment has become more differentiated, creating more room for customers to select institutions and products with more attractive yields.
Deposit rates in banks increased in the last week of March 2026. Typical rates for mid- and long-term tenors were above 6% per year, supporting both capital preservation and positive real interest rates, which makes savings more appealing to households and other safety-conscious clients.
For example, BVBank’s new rate schedule effective March 26, 2026 shows online savings rates up to 7.2% per year for 18- and 24-month terms. The maximum rate for 1- to 5-month terms is 4.75% per year, while 6- to 12-month terms are at 6.8% per year.
BVBank is also offering online certificates of deposit with higher yields. The product can reach around 7.8% per year for a 15-month term. For 6-, 9-, and 12-month terms, yields typically hover around 7.6% per year.
Mai, an accountant in Ho Chi Minh City, said she chose an online 15-month certificate to secure a better rate. “Given the current market volatility, saving is a safe investment, and even with competitive yields BVBank helps my investment perform well and stay steady,” she said.
Beyond the rates, BVBank’s savings products are structured to fit different customer needs, including varying deposit sizes and tenors. Customers can start with as little as 10 million dong, choose whether interest is paid at maturity or monthly, and can redeem early or use the product as collateral when needed. Transactions can be completed online, aiming to reduce time spent on cash-flow management.
BVBank also promotes savings with a gold rewards program. For deposits of 500 million dong or more for six months or longer, customers receive a scratch card to participate in online draws with cash prizes ranging from 100,000 to 1,000,000 dong, as well as a grand prize of three 999.9 gold bars.
In a volatile economy, preserving and growing wealth remains a priority for many people. The article emphasizes that there is no need to take excessive risk through complex investment channels, but money should not be left idle. A savings plan that begins with safer options such as savings accounts and time deposits can help ensure funds are both protected and put to work for the future.
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