1. In 2025, when the national database on citizens is fully established, personal identification numbers are complete, and everyone has a single chip-embedded citizen identification card, investigative authorities will only need to input the identification number to access all assets registered under a person’s name:
a. How many real estate properties are there nationwide?
b. How much money is in the bank? What is the source, and why is there a sudden influx of unusually large amounts?
c. How much money is in securities accounts, including all transactions and activities?
An individual’s basic assets will be fully transparent.
This is why in 2025, unclear money sources will not flow into real estate, and there will no longer be sudden price surges. Real estate will no longer be a haven, and money will shift to real assets.
Sudden wealth accumulation will no longer be possible.
2. What businesses need:
a. Low-interest loans.
b. Products with market demand and no excess inventory.
When the market stagnates, demand declines, and loan interest costs still need to be paid, businesses will find it very difficult to buy low and sell high (placing orders) to secure profits.
c. Reduced lending rates.
3. Gold prices will hit their bottom in 2025: The economy will develop sustainably.
4. Real estate will no longer increase rapidly, depending on the segment. Segments without real demand may not rise even over the next 10 years, so it’s better to take profits or cut losses.
5. In 2025, small business owners and retailers will start generating profits again, and the economy will begin to recover.
6. In 2025, there will be real estate stimulus packages, low-interest loans, and easier access, helping the market escape its bottom.
7. In 2025, large capital will flow into Vietnam, and real estate will clear its inventory.
8. Chinese companies will expand to other countries to avoid import tariffs. What actions will the United States take after President Trump officially becomes the 47th President of the United States?
9. Weak businesses will collapse entirely in 2025. When Trump imposes tariffs and these companies’ asset values decrease, they will sell themselves to international “sharks.” Foreign Direct Investment (FDI) will bring USD to rebuild and restructure these businesses.
10. At the end of 2025, the Federal Reserve (FED) will lower interest rates, stimulating global economic growth.
Some nations lagging in the productivity race since 2022, when the FED tightened monetary policy, will only see significant rate cuts when countries default.
11. In 2025, there will be an influx of FDI into the stock market when legal barriers are resolved.
12. Chinese goods will find their way into Vietnam and Southeast Asia in abundance.
13. Real estate without cash flow will experience a sell-off phase.
14. The economy revolves around borrowing and debt repayment.
2024: Debt relief, debt deferral, and avoiding foreclosure of good businesses.
When cheap money runs out, zombie companies (technically bankrupt) must be eliminated because they drain credit from the economy and can no longer be sustained.
15. When public debt relative to GDP is not high, there is diversification across industries. But when public debt rises, focus must shift to competitive industries that can generate USD exports and strengthen the VND.
Vietnam’s public debt in 2024 is projected at 4 quadrillion VND, around 36–37% of GDP, compared to the government’s debt ceiling of 60%.
Businesses should:
- Transform and ensure transparency of assets and business accounting into a single set of books.
Transparently separate personal and business assets. - Grow with a Defensive strategy while awaiting signals, focusing internally on:
a. People.
b. Processes.
c. AI applications and digital transformation.
d. Finalizing accounting and company profiles to seize new opportunities in 2025–2026. - Liquidate gold assets purchased at 60 million VND and take profits at 80 million VND.
- Real estate will no longer rise rapidly, so shift investments into manufacturing, trade, services, and technology businesses with clear competitive advantages.
- Chinese companies will flood the market with goods, and Vietnamese businesses need to build sustainable competitive advantages and strong brands in price segments that account for all input, tax, and operating costs.
- Entrepreneurs should focus on business areas where Vietnam has strengths, securing raw material regions or tackling opportunities China leaves behind.
- Finally, those with proper education, genuine values, and well-rounded skills will have opportunities to thrive as Vietnam’s fortune rises from 2025 onward.
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