According to experts, in recent years, young people have increasingly shifted their thinking about finances. Instead of just saving or investing individually, they are seeking comprehensive solutions that both ensure financial security and aim to increase assets in the long term.

A survey conducted by Q&Me in January in Hanoi and Ho Chi Minh City with 300 people aged 20-29 showed: 70% are concerned about rising living costs, 64% are worried about economic instability, 50% focus on financial health, but only 53% are truly confident in their ability to manage personal finances. With the investment market still fluctuating, health risks and living costs constantly increasing, young people today face complex financial challenges and need integrated solutions, balancing protection, accumulation, and investment.

Young people seek integrated protection solutions. Illustration: Vecteezy

Young people seek integrated protection solutions. Illustration: Vecteezy

One approach to building sustainable personal finances is the Japanese Ikigai philosophy, which emphasizes the balance and harmony between what one loves, what one is good at, what the world needs, and what can bring income. When applying this philosophy to finance, money management is no longer just about spending or investing, but becomes a means for individuals to pursue life values and long-term goals.

A comprehensive financial plan based on the Ikigai philosophy helps money become a tool to serve personal life goals. Every spending, protection, or investment decision is placed within a harmonious whole, thereby creating peace of mind and financial autonomy.

Many experts believe that to build "Ikigai finance," three principles should be applied. The first is to establish a layer of financial protection before investing. Finances play a role in maintaining life, but they need to be protected from disruption by unexpected risks. This reflects the true spirit of Ikigai - when there is a stable layer of protection, people will feel secure in pursuing what they love and are good at without being affected by unforeseen events.

Next is dividing the cash flow according to specific goals. Balancing short-term and long-term goals is essential for a purposeful life. Allocating cash flow is the concrete step in realizing the Ikigai philosophy of finance: enjoying the present while being responsible for the future of oneself and one's family.

The third principle is prioritizing integrated solutions between protection and investment. Holistic thinking is demonstrated in the ability to combine multiple goals in one financial solution rather than having to make trade-offs. This is the core of Ikigai - living fully with competence, passion, responsibility, and a solid financial foundation.

An Phat Dau Tu Thinh Vuong unit-linked insurance product. Photo: Dai-ichi Life Viet Nam

An Phat Dau Tu Thinh Vuong unit-linked insurance product. Photo: Dai-ichi Life Viet Nam

To meet the need for building sustainable personal finances according to Ikigai principles, Dai-ichi Life Viet Nam has developed the An Phat Dau Tu Thinh Vuong unit-linked insurance product. This is a solution that integrates three factors: financial protection, flexible investment, and the ability to transparently monitor investment performance through a digital platform.

In terms of protection, the new product acts as a financial reserve against events such as total and permanent disability or death. The product is highly flexible, allowing customers to customize the level of protection according to their needs with the same premium. In particular, the "Dual Protection" benefit helps protect an additional loved one from the risk of accidental death without requiring additional premiums.

Regarding investment benefits, after deducting initial fees and insurance premiums, the customer's premiums will be allocated to investments in 5 unit-linked funds. Customers can flexibly allocate investment ratios to the funds, change their investment portfolio, or pay additional premiums up to 5 times the basic premium rate each year to maximize profit opportunities according to market fluctuations.

In addition, the product has two valuable bonuses including the "Loyalty Bonus" from the 11th policy year and the long-term "Persistence Bonus" after the 20th policy year, which are recognition for customers who persistently pursue sustainable financial goals.

The product's investment portfolios are managed by a team of experienced financial experts from Dai-ichi Life Viet Nam Fund Management Company (DFVN), inheriting the capabilities of Dai-ichi Life Group - one of Japan's largest financial institutions. All investment activities are independently monitored by HSBC Bank, ensuring transparency and creating a secure foundation for customers during the investment process.

Customers can track weekly unit prices and annual investment performance reports on the Dai-ichi Connect digital platform, thereby proactively adjusting plans to suit their goals and controlling risks more effectively.

(Source: Dai-ichi Life)

Readers can learn more about An Phat Dau Tu Thinh Vuong Insurance here.