1. Research method : Quantitative research (Internet research) 2. Timing : 29th March - 5th April 2013 3. Sample size : 721s, members of Vinaresearch.net 4. Research area : Vietnam nationwide 5. Target respondents : Single male / female 6. Purpose : To explore Vietnamese saving habit of Vietnamese singles

1. Consumer research in Vietnam
REPORT ON SAVING HABITS OF
VIETNAMESE SINGLES
05.2013
※ Research Information
This study is conducted online by W&S Co., Limited in order to explore saving habit of Vietnamese singles in 2013.
Method
: Quantitative research (Internet research)
Fieldwork
: 29th March - 5th April 2013
Sample size
: 721s, members of Vinaresearch.net
Research area : Vietnam nationwide
Target
: Single male / female
※ Research Summary
57.0% of surveyed people have monthly saving habit
A majority of Most of these Vietnamese singles often put away 10% to 20% of their personal monthly income. In which, more than 50%
said that their average saving amount per month is Under 1.000.000 VND.
“Prepare for emergency cases” is mostly choosen for saving reason, account for 57.7%. “Shopping freely when I desire” and
“Saving as habit” follow next with 44.4% and 38.8% respectively.
Top 3 effective methods for saving money are 1. Not buy unnecessary things (76.6%), 2. Reduce frequency of drinking & eating
outside (57.7%) and 3. Buy sale-off products (51.3%).
63.8% opened a Bank account to control their savings
In addition to keep deposits in Banks, people also choose Lucrative Investment for savings control, account for 35.4%. And the most
popular profitable investment way of Vietnamese singles is Create SavingsBook at Banks (72.7%).
In general, respondents have knowledge on different investment channels. While Stock market is considered as potentially lucrative
investment channel (56.3%), SavingsBook and others are perceived as channels that generate average profitability (over 40%).
In assessment the risk of investment, 74.4% evaluate that Create SavingsBook at banks has low risk. Whereas Gold Market, Stock
Market and Real Estate are top three risky investment channel, with 44.2%, 76.1% and 60.5% in turn.
Vietnamese singles also have various information sources for different investment channels. However, people mostly refer their Own
Knowledge, Information from internet and Advice from financial experts.
57.0% of Vietnamese singles who joined
survey have monthly savings

2. ※ Research Findings
1. Monthly saving rate of Vietnamese singles [SA] (n=721)
There are 721 singles among 1,265 people joined surveys have monthly saving habit, account for 57.0%.
Firgue 1. Gender
Firgue 2. Employment status
Firgue 3. Mothly personal
Firgue 4. Age
5.1 2.7
Working currently
Male
Female
12
20_24 years old
7 - 15 mil.VND
28.2
46.3
Not working
currently
53.7
16_19 years old
5.7
Under 7 mil.VND
20.0
21.3
25_29 years old
30_34 years old
Over 15 mil.VND
71.8
74.3
58.9
Trên 35 years old
More than 42 out of 100 surveyed singles put away 10% - 20% of their total personal income monthly (42.4%).
Firgue 4. Monthly saving rate (n=721)
Unit:%
42.4
23.2
15.8
7.6
7.4
3.6
Under 10%
10% - 20%
21% - 30%
31% - 40%
41% - 50 %
Over 50%
Unit:%
Percentage of savings over total monthly personal income is around 10% - 20% on average, quite similar between male and female.
Firgue 5. Monthly saving rate by Gender (n=721)
45.5
39.8
50.0
40.0
30.0
20.0
10.0
Unit:%
0.0
Male (n=387)
Female (n=334)
Under 10%
24.5
21.6
10% - 20%
39.8
45.5
21% - 30%
16.0
15.6
31% - 40%
7.2
8.1
41% - 50 %
8.8
5.7
Over 50%
3.6
3.6
3. Monthly saving amounts [SA] (n=721)
The average amount of savings cited by surveyed singles are mostly under 1.000.000 VND, account for 52.7%.
Firgue 6. Monthly saving amounts (n=721)
52.7
23.6
11.4
1 - 1.000.000 1.000.001 VNĐ
2.000.000
VNĐ
2.000.0013.000.000
VNĐ
4.9
1.7
3.000.001 4.000.000
VNĐ
4.000.001 5.000.000
VNĐ
1.8
5.000.001 6.000.000
VNĐ
1.9
6.000.001 7.000.000
VNĐ
2.1
Trên
7.000.000
VNĐ
Unit:%

3. There was not clearly difference of saving proportion over total income between male & female singles.
Firgue 7. Monthly saving amounts by Gender (n=721)
60.0
55.7
50.1
50.0
40.0
30.0
20.0
10.0
0.0
11.000.001 - 2.000.001- 3.000.001 - 4.000.001 - 5.000.001 - 6.000.001 Over
1.000.000 2.000.000 3.000.000 4.000.000 5.000.000 6.000.000 7.000.000 7.000.000
VNĐ
VNĐ
VNĐ
VNĐ
VNĐ
VNĐ
VNĐ
VNĐ
Male (n=387)
50.1
23.5
13.2
5.9
1.8
1.6
1.6
2.3
Female (n=334)
55.7
23.7
9.3
3.6
1.5
2.1
2.4
1.8
Unit:%
4. Money saving reasons [SA] (n=721)
There are 57.7% surveyed people said that they often put away money as Prepare for emergency cases. The second reason is that they
would like to go Shopping freely when they desire, account for 44.4%. 38.8% also revealed that saving has become one of their habits.
Firgue 8. Saving reasons (n=721)
Unit:%
57.7
44.4
38.8
Prepare for Shopping freely
emergency when I desire
cases
Savings as
habit
35.1
34.4
Buy car
30.8
Married
Travel within
country
29.8
27.9
Lucrative
Investment
25.9
23.7
Run business
Buy house
Saving for life
when getting
old
When look at the reasons for thrift by gender, there is an interesting fact that 40.1% male save money for Getting married. Whereas this
reason only scores 6th among all reasons of female and account for 27.8%.
Firgue 9. Saving reasons by Gender (n=721)
Female (n=334)
Male (n=387)
Prepare for emergency cases
53.0
Shopping freely when I desire
42.6
Married
40.1
Prepare for emergency cases
63.2
Shopping freely when I desire
46.4
Savings as habit
Savings as habit
37.7
Travel within country
Buy car
37.0
Buy car
40.1
Lucrative Investment
Run business
Buy house
Travel within country
Saving for life when getting old
Married
34.6
32.9
27.8
Saving for life when getting old
Unit:%
24.0
Buy house
25.3
24.3
Run business
28.7
25.7
Lucrative Investment
31.3
22.0
37.1
22.8
Unit:%

4. 6. Money saving methods [SA] (n=721)
Not buy unnecessary things (76.6%), Cut down on frequency of outside eating (57.7%) and Buy sale-off products (51.3%) are
top 3 methods that surveyed people often apply to help them saving money.
Figure 10. Money saving method (n=721)
Do not buy unnecessary things
76.6
Cut down on frequency of outside eating
57.7
Buy sale-off products
51.3
Plan spending amount per month
50.6
Curbing my own desire
49.7
Make a list before shopping
38.6
Do not go out often
38.1
Do not eat / play at luxury places
37.9
Bargain when shopping
28.8
Send money to Saving-Book when having money
28.7
Unit:%
There is totally no different between male and female for top 2 saving money methods. However, for the third method, while male choose
Curbing their own desire (50.1%), female decide to Buy sale-off products instead (53.9%).
Figure 11. Money saving method by Gender (n=721)
Male (n=387)
Female (n=334)
Do not buy unnecessary things
77.8
Do not buy unnecessary things
75.1
59.4
55.7
Curbing my own desire
50.1
Buy sale-off products
Buy sale-off products
49.1
Plan spending amount per month
Plan spending amount per month
48.1
Curbing my own desire
Do not eat / play at luxury places
42.1
Do not go out often
40.3
Make a list before shopping
Bargain when shopping
Check account regularly
53.9
53.6
49.1
Make a list before shopping
42.2
Do not go out often
35.4
35.6
Send money to Saving-Book…
30.2
32.9
Do not eat / play at luxury places
25.3
Unit:%
32.9
Bargain when shopping
27.2
Unit:%
7. Savings management methods [SA] (n=721)
63.8% Opened a Bank account to control their savings. In addition to keep deposits in Banks, people also choose Lucrative
Investment for savings control, account for 35.4%.
Firgure 12. Savings management methods (n=721)
Total (n=721)
Open a Bank account (not
SavingsBook)
63.8
35.4
28.7
Parents / family members
keep
21.2
Male (n=387)
63.8
35.4
27.6
22.0
Female (n=334)
63.8
35.3
29.9
20.4
Unit:%
Lucrative Investment
Self-management and keep

5. 8. Lucrative Investment Channels [SA] (n=231)
Most popular profitable investment way of Vietnamese singles is Create SavingsBook at Banks (72.7%). This is also priority channels
selected by male and female for lucrative investment, respectively account for 65.4% and 82.2%.
Firgue 13. Lucrative Investment Channels (n=231)
Total (n=231)
Create
SavingsBook at
Banks
72.7
48.9
30.7
18.6
14.3
5.6
6.9
Male (n=130)
65.4
45.4
36.9
19.2
13.1
3.1
9.2
Female (n=101)
82.2
53.5
22.8
17.8
15.8
8.9
4.0
Unit:%
Gold Market
Stock Market
Real Estate
Foreign
exchange market
Government
bonds
Others
9. Understanding level of investment channels when making decision [SA] (n=231)
In general, respondents cited that they have enough knowledge on different investment channels when making decision, and average
respective rate for each channel is over 60%.
Firgue 14. Understanding level towards investment channels
22.1
25.4
40.5
Totally sufficient information
37.2
Sufficient information
53.1
39.4
37.2
43.5
18.6
11.9
Little information
Insufficient information
26.8
23.3
Totally insufficient information
Create
SavingsBook at
Banks (n=168)
Gold Market
(n=113)
Stock Market
(n=71)
Real Estate
(n=43)
Unit:%
10. Review on profitability level of investment channels [SA] (n=231)
In general, respondents have knowledge on different investment channels. While Stock market is considered as potentially lucrative
investment channel (56.3%), SavingsBook, Gold Market and Real Estate are perceived as channels that generate average profitability,
with 46.4%, 54.0% and 44.2% in turn.
Firgue 15. Profitability level of investment channels (n=231)
10.6
44.0
8.5
14.0
35.2
44.2
54.0
Low profitability level
Average profitability level
46.4
High profitability level
56.3
35.4
41.9
Unit:%
9.5
Create SavingsBook Gold Market (n=113) Stock Market (n=71)
at Banks (n=168)
Real Estate
(n=43)

6. 10. Review on risky level of investment channels [SA] (n=231)
In assessment the risk of investment, 74.4% evaluate that Create SavingsBook at Banks has low risk. Therefore, this is the most
choosen channel for Lucrative Investment. Whereas Gold Market, Stock Market and Real Estate are top three risky investment
channel, with 44.2%, 76.1% and 60.5% in turn.
Firgue 16. Risky level of investment channels (n=231)
2.8
16.8
4.7
21.1
34.9
Low risky level
38.9
74.4
Average risky level
76.1
60.5
High risky level
44.2
22.6
3.0
Create
SavingsBook at
Banks (n=168)
Unit:%
Gold Market
(n=113)
Stock Market
(n=71)
Real Estate
(n=43)
11. Information source of investment channels [SA] (n=231)
Vietnamese singles also have various information sources for different investment channels. However, survey result shows that people
mostly refer their Own Knowledge for Create SavingsBook at Banks (58.9%), Information from internet for Gold Market (54.0%)
and Advice from financial experts for Stock Market and Real Estate, respectively account for 59.2% and 53.5%.
Create SavingsBook at Banks
Gold Market
70.0
60.0
60.0
54.0
58.9
50.0
50.0
40.0
43.5
30.0
29.8
44.0
40.0
36.3
13.7
10.0
Financial expert
41.6
34.5
30.0
Financial expert
20.0
Friends / colleagues
52.2
48.7
41.6
Family / relatives
Family / relatives
Stock Market
Newspapers /
Television
Real Estate
60.0
59.2
60.0
53.5
50.0
53.5
50.0
40.0
30.0
48.8
39.4
33.8
33.8
40.0
20.0
15.5
10.0
Family / relatives Newspapers / Television
30.0
Internet
39.5
30.2
Newspapers /
Television
34.9
37.2
Family / relatives
Myself
Unit:%
CONTACT INFORMATION
W&S Company Limited
10F Room A, 40 Pham Ngoc Thach St., Ward 6, District 3, Ho Chi Minh city
Tel: +84 3 822 3215 Fax: +84 8 3822 3216
http://vinaresearch.jp/
For research request, please email info@vinaresearch.jp
The copyright of this report belongs to W&S Company Limited. The results (analyzing, wording, data, tables and
graphs) of this survey can be publicly used, but must be cited and sourced from W&S Company Limited (also include
its website address http://vinaresearch.jp).