«Alexis, I established my company in Ho Chi Minh City and I see the city transforming at breakneck speed. Between the emergence of a new UHNWI clientele in Vietnam and the tightening regulations, how can I secure my assets while taking advantage of this unprecedented economic growth?»
By 2026, Vietnam will no longer be just a destination for'expatriation to Vietnam prized for its quality of life, it is an essential financial hub. The country is experiencing a social mobility in Vietnam which redefines the structures of fortune. Managing one's wealth management in Vietnam today requires navigating between explosive local opportunities and an increasingly demanding international regulatory framework.
At the house of Balmont Conseil, We approach the Vietnamese market with a vision of’Augmented Wealth Engineer. My mission is to merge cutting-edge human expertise with a digital infrastructure for wealth management to offer our clients — expatriates and investors alike — total visibility over their global assets.
The evolution of the Vietnamese financial landscape in 2026
Vietnam has reached a historic milestone in its financial maturity. economic growth in Vietnam no longer relies solely on manufactured exports, but on a rise in financial and technological services.
The rise of UHNWIs and wealth management
The number of UHNWI in Vietnam (Ultra High Net Worth Individuals) has grown exponentially. This UHNWI clientele in Vietnam radically changed the investors' wealth management behavior. We are seeing a shift from precautionary savings (gold, cash) towards strategies of wealth management sophisticated, including the stock markets in Vietnam and Private Equity.
Modernization of the banking system
THE banking system in Vietnam has undergone a profound technological transformation. internal banking systems have been updated to integrate blockchain and AI, facilitating a Transparent financial reporting in Vietnam and in line with international standards. At the same time, the banking regulation in Vietnam has tightened under the impetus of the State Bank, strengthening the investor protection in Vietnam.
Investment Strategies Real Estate, Stocks and Sustainability
The real estate market in Vietnam: A complex pillar
THE real estate market in Vietnam remains the preferred vector for wealth creation.
However, for a foreigner, the immigration policies in Vietnam and the rules of ownership (LUR - Land Use Rights) impose extreme vigilance.
- Opportunities : Luxury residences in Hanoi and Ho Chi Minh City.
- Constraints: The detention period is limited to 50 years (renewable) for foreigners and obtaining the "Pink Book" can sometimes be complex.
Diversification and sustainable investment
Beyond the stone, the foreign investments in Vietnam are moving massively towards'sustainable investment in Vietnam. ESG (Environmental, Social, Governance) funds are attracting a growing share of capital. stock market in Vietnam, via the Ho Chi Minh Stock Exchange (HOSE), offers attractive returns, driven by sectors such as tech and renewable energy.
The calculation of net return for an expatriate investor can be modeled as follows:
$$R_{net} = \frac{(V_{finale} - V_{initiale}) + Loyers - Taxes}{V_{initiale}}$$
Tax optimization and international planning
One of the biggest challenges of'expatriation to Vietnam lies in managing the tax burden. International tax planning in Vietnam is the indispensable shield of every resident.
Transmission and tangible and intangible wealth
There wealth management in Vietnam It doesn't stop at the numbers. It encompasses the tangible and intangible wealth of the family.
Don't come back by chance, come back strategically
L''tax optimization of impatriation is an engine of wealth for those who activate it correctly. But faced with the complexity of CGI repatriation guide and with the constant vigilance of the tax authorities, improvisation has no place.
At Balmont Conseil, we combine the expertise of our expatriate tax advisors with the analytical power of AI to validate every step of your return. We secure your present so you can focus on your new career in France.
Your repatriation deserves excellent engineering.
Alexis Sagnier
With over 17 years of expertise in financial engineering, Alexis Sagnier assists executives and expatriates in securing their cross-border challenges.
Sources & References:
- General Tax Code (CGI) : Article 155 B.
- Official Bulletin of Public Finances (BOFiP) : Impatriate regime (BOI-RSA-GEO-40).
- 2025 Finance Law Analysis of recent developments.
- Case law on impatriation : Decisions of the Council of State on reference remuneration.
- ANACOFI Member Booklet : Standards for consulting in wealth engineering.
Ready to structure Your future?
Your wealth deserves a borderless vision
Being a non-resident offers exceptional capital accumulation opportunities, provided you don't let the non-resident taxation absorb your performance. At Balmont Conseil, We combine Alexis Sagnier's expertise with technological power to secure every euro invested in France or internationally.
Don't let tax complexity limit your ambitions.
Schedule an appointment for a personalized non-resident tax audit
Alexis Sagnier
With over 17 years of expertise in financial engineering, Alexis Sagnier assists executives and expatriates in securing their cross-border challenges.
