In finance, idle cash flow refers to assets not currently invested or spent. This could be funds earmarked for a home purchase, capital awaiting business opportunities, savings for education or healthcare, or simply an emergency fund. Owners typically seek stable returns from these funds while ensuring they remain accessible when needed.

To meet customer expectations, VIB developed a tiered system of profitable products, corresponding to the duration and flexibility required for different idle funds. At the most flexible tier, the Super Yield Account allows idle balances to earn daily interest at 4,3% per year. Customers can transfer, make payments, or withdraw funds without affecting accumulated profits.

For short-term idle funds, the Hi-Depo time deposit product allows customers to accumulate savings with terms from one to twelve weeks. The yield increases with the holding period, reaching up to 5,6% per year. For medium and long-term financial plans, iDepo is a suitable tool. This product allows deposits from 50 million dong with common terms of 24 or 36 months, offering interest rates up to 8,3% per year (currently applicable) depending on the customer segment. Customers can receive interest periodically, either monthly, quarterly, or semi-annually, to support personal cash flow needs or flexible reinvestment.

Operate plans more effectively with VIB iDepo. *Photo: VIB*

All three products can be managed through the MyVIB application, making saving simpler and more proactive.

VIB's financial products are gradually eliminating the need to choose between flexibility and profit by segmenting cash flow according to its intended use. Funds for daily spending still earn daily returns through the Super Yield Account. Short-term opportunity funds are optimized with Hi-Depo. Long-term plans operate more effectively thanks to iDepo, with attractive interest rates and flexible transferability.

VIB's trio of financial products. *Photo: VIB*

Modern personal finance management is therefore shifting from product selection to organizing cash flow, helping future plans be prepared earlier, more stably, and more sustainably over time.

Yen Chi