“Alexis, I have set up my company in Ho Chi Minh City and I am watching the city transform at a staggering pace. Between the emergence of a new UHNWI clientele in Vietnam and tightening regulations, how can I secure my assets while capitalising on this unprecedented economic growth?”
In 2026, Vietnam is no longer merely an expatriation destination in Vietnam prized for its quality of life; it has become an essential financial hub. The country is experiencing a wave of social mobility in Vietnam that is redefining the structures of wealth. Steering your wealth management in Vietnam today demands navigating between explosive local opportunities and an increasingly exacting international regulatory framework.
At Balmont Conseil, we approach the Vietnamese market with the vision of an Augmented Wealth Engineer. My mission is to blend cutting-edge human expertise with a digital wealth-management infrastructure in order to give our clients — expatriates and investors alike — complete 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 rests solely on manufacturing exports, but on the rising strength of its financial and technology services.
The rise of UHNWIs and wealth management
The number of UHNWIs in Vietnam (Ultra High Net Worth Individuals) has grown exponentially. This UHNWI clientele in Vietnam has radically reshaped investors’ wealth behaviour. We are witnessing a shift from precautionary savings (gold, cash) towards sophisticated wealth-management strategies, encompassing the Vietnamese equity markets and private equity.
Modernisation of the banking system
The banking system in Vietnam has undergone a profound technological transformation. Its internal banking systems have been upgraded to integrate blockchain and AI, enabling transparent financial reporting in Vietnam aligned with international standards. In parallel, banking regulation in Vietnam has tightened under the impetus of the State Bank, strengthening investor protection in Vietnam.
Investment strategies: Real Estate, Equities and Sustainability
The real estate market in Vietnam: a complex pillar
The real estate market in Vietnam remains the preferred vehicle for wealth creation.
For a foreign national, however, immigration policies in Vietnam and ownership rules (LUR - Land Use Rights) call for the utmost vigilance.
- Opportunities: Luxury residences in Hanoi and Ho Chi Minh City.
- Constraints: Ownership term limited to 50 years (renewable) for foreign nationals, and a sometimes complex process to obtain the "Pink Book".
Diversification and sustainable investment
Au-delà de la pierre, les investissements étrangers au Vietnam s'orientent massivement vers l'investissement durable au Vietnam. Les fonds ESG (Environnement, Social, Gouvernance) captent une part croissante des capitaux. Le marché des actions au Vietnam, via la bourse de Hô Chi Minh (HOSE), offre des rendements attractifs, portés par des secteurs comme la tech et les énergies renouvelables.
Le calcul du rendement net pour un investisseur expatrié peut se modéliser ainsi :
$$R_{net} = frac{(V_{finale} - V_{initiale}) + Loyers - Taxes}{V_{initiale}}$$
Tax optimisation and international planning
One of the greatest challenges of expatriation to Vietnam lies in managing the tax burden. International tax planning in Vietnam is the indispensable shield of every resident.
Succession and tangible & intangible wealth
Wealth management in Vietnam does not stop at the figures. It embraces the family’s tangible and intangible wealth.
FAQ: Your wealth challenges in Vietnam in 2026
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Discover our bespoke solutions for expatriates in Asia (Vietnam, Philippines, South Korea...)
Learn moreDon’t come back by chance — come back by strategy
The tax optimisation of inpatriation is a wealth driver for those who deploy it correctly. Yet, faced with the complexity of the CGI inpatriation guide and the constant vigilance of the tax authorities, there is no room for improvisation.
At Balmont Conseil, we combine the expertise of our inpatriate tax advisers with the analytical power of AI to validate every stage of your return. We secure your present so that you can focus on your new career in France.
Your inpatriation deserves engineering of the highest order.
Alexis Sagnier
With more than 17 years of expertise in financial engineering, Alexis Sagnier supports business leaders and expatriates in securing their cross-border matters.
Sources & References:
- Code Général des Impôts (CGI): Article 155 B.
- Bulletin Officiel des Finances Publiques (BOFiP): Inpatriate regime (BOI-RSA-GEO-40).
- 2025 Finance Act: Analysis of recent developments.
- Case law on inpatriation: Conseil d'État rulings on the reference remuneration.
- ANACOFI Member Handbook: Standards for wealth-engineering advice.
Ready to structure your future?
Your wealth deserves a borderless vision
Being a non-resident offers exceptional capitalisation opportunities, provided you do not let non-resident taxation erode your performance. At Balmont Conseil, we combine the expertise of Alexis Sagnier with technological power to secure every euro invested in France or abroad.
Do not let tax complexity hold back your ambitions.
Book an appointment for a bespoke non-resident tax audit
Alexis Sagnier
With more than 17 years of expertise in financial engineering, Alexis Sagnier supports business leaders and expatriates in securing their cross-border matters.