SIP enables investors to maintain regular, periodic investments in VCBF open‑ended funds, instead of reacting to short-term market fluctuations. This helps build disciplined accumulation and a more appropriate capital allocation strategy.
VCBF is the first fund management company to introduce the Systematic Investment Plan (SIP) to Vietnamese investors, based on expertise and experience from its parent company, Franklin Templeton.
Helps you achieve your financial goals through small, consistent monthly contributions.
Build a regular monthly investment habit instead of waiting for the “perfect” market timing.
Investing a fixed amount regularly helps reduce the impact of market volatility through cost averaging.
VCBF’s SIP program is developed based on experience and global investment expertise from its parent company, Franklin Templeton.
With SIP, regular investing over the long term allows your accumulated investment to grow over time.
The illustration assumes a monthly investment of 1,000,000 VND under different annual return scenarios.
| Assumed average annual rate of return | Investment horizon | ||||
|---|---|---|---|---|---|
| 5 years | 10 years | 15 years | 20 years | 25 years | |
| 10% | 77,437,072 | 204,844,979 | 414,470,346 | 759,368,836 | 1,326,833,403 |
| 15% | 88,574,508 | 275,217,058 | 668,506,759 | 1,497,239,481 | 3,243,529,615 |
| 20% | 101,758,208 | 376,095,300 | 1,115,699,905 | 3,109,651,838 | 8,485,286,707 |
The Systematic Investment Plan (SIP) is an effective way to help investors manage market volatility. When prices are low, the same investment amount buys more fund units; when prices are high, fewer units are purchased. Over time, this helps investors average their purchase cost without needing to monitor daily market movements.
Regular long-term investing gives your accumulated capital the opportunity to grow over time.
The minimum periodic investment is only VND 100,000 (one hundred thousand Vietnamese dong).
Investors who invest in open-end funds through the SIP program will enjoy a preferential redemption fee based on their first SIP transaction period.
Make it simpler with automatic periodic investment transfers to maintain your investment habit more easily.
Set up a
recurring transfer order
Invest from only
VND 100,000/period
SIP stands for Systematic Investment Plan, which can be understood as a periodic investment plan. With SIP, investors can invest a fixed amount into VCBF open-end funds on a regular schedule, such as monthly, instead of investing based on emotions or trying to time the market.
VCBF is the first fund management company to introduce the Periodic Investment Program to investors in Vietnam. This tool was adopted from its parent company, the global investment group Franklin Templeton Investments.
Investors select an open-end fund, a periodic investment amount and an investment plan that suits their personal financial needs. Based on the established schedule, the investment amount will be maintained periodically to purchase fund certificates.
On VCB Digibank, customers can place SIP purchase orders with VCBF, set up a recurring payment schedule and manage payment requests within the same digital journey. The periodic investment amount can start from VND 100,000.
SIP on VCB Digibank helps investors start or maintain a periodic open-end fund certificate purchase plan more conveniently. Investors can set up payments, track transaction status, and change or cancel payment requests subject to applicable conditions.
Periodic investing also helps build investment discipline, reduce the pressure of trying to “time” the market and take advantage of the dollar-cost averaging method over time.
SIP is suitable for investors with long-term financial goals, regular cash flow and the desire to maintain a monthly accumulation habit. It is also a suitable option for investors who want to invest with greater discipline and avoid making decisions based on short-term market fluctuations.
However, open-end funds are investment products and carry market risks. Investors should carefully read the Fund Charter, Prospectus and relevant information disclosure documents before making an investment decision.
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