Monthly Investment Calculator — Vietnam
See how a monthly investment grows over time at Vietnam's historical returns. No signup, no account needed.
Enter a monthly amount, a return rate between 0% and 100%, and a duration above zero (up to 50 years) to see results.
Where to invest in Vietnam
The VN-Index started at 100 on 28 July 2000 and traded between about 1,741 and 1,899 in February 2026, a price-only gain of roughly 12% a year. Vietnamese investors commonly invest monthly through open-ended funds and ETFs from managers such as Dragon Capital and VinaCapital, including the VinaCapital VN100 ETF, or by buying shares through securities companies such as SSI and VNDirect.
Returns are long-term historical averages, not guarantees - markets fall as well as rise. Invest for the long term and diversify.
The power of compounding
Investing 2.500.000 ₫ per month for 15 years at 10% p.a.:
- Future value: 1.044.810.664 ₫
- Total invested: 450.000.000 ₫
- Estimated gains: 594.810.664 ₫
That is roughly 2.3× your money - most of it from compounding. Scale the 2.500.000 ₫ to your own monthly amount, and remember that starting earlier matters more than investing more.
How to start - and stay - invested in Vietnam
- Automate a fixed monthly amount so you invest through good months and bad.
- Start small; you can raise the amount as your income grows.
- Favour low-cost, diversified funds over picking individual stocks.
- Stay invested through market dips - time in the market beats timing the market.
A real-data rate check: long-term returns in Vietnam (2026)
The VN-Index opened at a base of 100 on 28 July 2000. Finhay's index history records a February 2026 trading range of 1,741 to 1,899, which implies price-only growth of roughly 12% a year over about 25.5 years. The path was very volatile, with deep falls such as 2008 and 2022. Our default of 10% a year subtracts about 2 points to allow for fund management fees, such as the 0.67% charged by VinaCapital's VN100 ETF, and the boost from starting at a very low base in 2000.
Frequently Asked Questions
How does a monthly investment work in Vietnam?
You invest a fixed amount each month into funds or an index. You buy more units when prices are low and fewer when high (cost averaging), and returns compound over time.
What return can I expect in Vietnam?
Long-term historical equity returns are around 10% per year here, though any single year can be sharply up or down. The VN-Index started at 100 on 28 July 2000 and traded between about 1,741 and 1,899 in February 2026, a price-only gain of roughly 12% a year. Vietnamese investors commonly invest monthly through open-ended funds and ETFs from managers such as Dragon Capital and VinaCapital, including the VinaCapital VN100 ETF, or by buying shares through securities companies such as SSI and VNDirect.
How much do I need to start investing in Vietnam?
Most platforms let you start small and increase later. Setting up an automatic monthly investment builds discipline and smooths out market timing.
Should I invest a lump sum or monthly in Vietnam?
Investing monthly spreads your entry across market ups and downs (cost averaging) and is easier to budget. A lump sum can do better in a steadily rising market but carries more timing risk.
Is investing better than a fixed deposit in Vietnam?
Investing targets higher long-term growth but carries market risk; fixed deposits are safer but usually return less. Many people hold both, matched to their time horizon.
Are investment gains taxed in Vietnam?
Resident individuals pay 0.1% of the sale proceeds on each securities sale, regardless of profit, and 5% on dividends.
What return should I assume for monthly investing in Vietnamese stocks?
About 10% a year in VND is a conservative assumption. The VN-Index has grown roughly 12% a year on a price-only basis since its 2000 base of 100, and the default allows for fees and the market's high volatility.
How are stock investments taxed in Vietnam?
Resident individuals pay 0.1% of the sale value whenever they sell securities, whether or not they make a profit. Dividends are taxed at 5%.
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Sources
Return assumptions and rates are compiled from each country's central-bank publications, recognized market-index data and the typical offerings of major providers, reviewed for 2026 and subject to change. Returns are long-term historical averages, not guarantees. See our methodology and editorial policy for how we source and update this data.
Additional sources for this page
Finhay (accessed 12 October 2026): Chỉ số VNIndex qua các năm (2000 – 2026). VinaCapital (accessed 12 October 2026): VinaCapital VN100 ETF monthly factsheet, November 2025. PwC Worldwide Tax Summaries (accessed 12 October 2026): Vietnam – Individual – Taxes on personal income.