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TCFF - Techcom Balanced Flexi Fund
Long-term Investment, Peaceful Life
TCFF primarily invests in securities (stocks, bonds, etc.) of leading companies or those with strong long-term growth potential, securities that are valued attractively, or securities with high, stable yields in order to generate expected long-term profit growth of 1.5 times the average 12-month savings interest rate, based on actual investment period. TCFF has a medium level of risk.
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    More peace of mind
    The Fund is managed by a team of seasoned experts, featuring a diversified portfolio of top-tier stocks and bonds, supported by a professional investment process. A sustainable investment for long-term future plans.
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    More Efficient
    No need for extensive experience, saving investors time and effort. Long-term expected returns are projected to be 1.5 times higher than the average 12-month savings interest rate, realized based on the investment period
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    Daily liquidity
    Flexible daily withdrawal
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    Invest anytime, anywhere
    Experience convenient trading with a high-tech, secure, 100% online system. Invest starting from just 10,000 VND

The expected returns over time for new investors of TCFF

With a target profit level 2%-3% higher than the 12-month savings deposit interest rate, are as follows

Investment Period 1 month 2 months 3+ months 6+ months 9+ months 1+ year 2 year 3 year
Redemption Fee 1.00% 1.00% 0.75% 0.50% 0.25% 0.00% 0.00% 0.00%
Personal income tax 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10%
Profit (%/year) -0.27% 3.30% 6.52% 8.74% 9.50% 9.89% 9.94% 9.96%

Investment Strategy

TCFF pursues a balanced investment approach between equities and bonds, enabling investors to access stocks with strong growth potential while mitigating market volatility risks through bond investments.
The Fund’s investment strategy is designed to be flexible over time, based on thorough analyses and assessments of macroeconomic conditions, economic cycles, and market factors. Accordingly, the Fund invests in securities (stocks, bonds, etc.) of leading companies or those with strong long-term growth potential, attractively valued securities, or securities offering high and stable yields.
Supervisory Bank

Bank for Investment and Development of Vietnam BIDV

Audit

Ernst & Young Vietnam Limited Company

Fund Representatives

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Mrs. Nguyen Thi Hoat, ACCA
Team member
Mrs. Nguyen Thi Hoat, ACCA
Chairwoman
Bachelor's degree in Accounting and Auditing, National Economics University, Vietnam; Member of the Association of Chartered Certified Accountants, United Kingdom.
Mrs. Hoat holds over 10 years of experience in the fields of Finance, Banking, and Auditing. She has previously held positions such as Director of a Real Estate Company in Hue, Head of Control Department at the Chemical Finance Company, and various senior roles at Vietbridge Capital, Royal International Securities Company, KPMG, and the Techcombank's Capital Market Division.
She currently serves as the Deputy CEO of Techcom Securities Joint Stock Company.
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Mr. Dang The Duc
Team member
Mr. Dang The Duc
Member
Mr. Duc possesses over 18 years of experience in the field of business law practice in Vietnam, focusing on domestic investment, corporate transactions, private equity, mergers and acquisitions (M&A), securities, capital market transactions, and project financing. He has advised numerous major local and foreign investment funds as well as fund managers related to business structuring and M&A transactions in Vietnam.
Mr. Duc is currently the Managing Partner at Indochine Counsel, a law consulting firm. He also serves as a regular analyst for leading business magazines in Vietnam, including Kinh Te Sai Gon, Nhip Cau Dau Tu, and Dau Tu Chung Khoan (Securities Investment).
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Mr. Tran Viet Thoa
Team member
Mr. Tran Viet Thoa
Member
Mr. Thoa has over 20 years of experience in accounting, auditing, finance, and investment, including 9 years as Audit Director at KPMG Limited Liability Company.
Mr. Thoa is currently the Chief Financial Officer ("CFO") of Redsun International Trading Investment Corporation
Executive Board
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Mrs. Dong Thi Khanh Ngoc
Team member
Mrs. Dong Thi Khanh Ngoc
Mrs. Ngoc graduated with a Bachelor's degree in International Economics from Hanoi Foreign Trade University and is certified as a Fund Manager by the Ministry of Finance under License No. 000794/QLQ dated November 14, 2011.
With over 15 years of experience, Mrs. Ngoc has worked across various sectors including banking, auditing, taxation, securities, and fund management. She has particularly spent 5 years at FPT Investment Management Joint Stock Company, contributing to her expertise in these fields.
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Mr. Vuong Duy Anh, CFA
Team member
Mr. Vương Duy Anh, CFA
Mr. Duy Anh holds a Bachelor's degree in Banking and Finance from Hanoi Foreign Trade University and is certified as a Fund Manager by the Ministry of Finance under License No. 001958/QLQ dated November 18, 2020.
With over 7 years of experience in the finance and investment sectors, Mr. Duy Anh has previously held the position of Risk Management Specialist at Techcombank, where he specialized in risk management.

Management fee: 1.2% per NAV per year

Issuance fee: 0% of purchase order value

Redemption fee: Investors must pay when selling Fund Certificates to the Fund (New pricing applies from June 19, 2023)

Holding period % of Redemption Value
0 to 3 months 1.00%
From over 3 months to 6 months 0.75%
From over 6 months to 9 months 0.50%
From over 9 months to 12 months 0.25%
From over 12 months 0.00%

Conversion fee: Investors must pay when converting from TCFF to other Funds managed by TCC

Holding period % Conversion order value
0 to 3 months 1.00%
From over 3 months to 6 months 0.75%
From over 6 months to 9 months 0.50%
From over 9 months to 12 months 0.25%
From over 12 months 0.00%