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TCFIN - Techcom Banking and Finance Equity Fund
Long-term Investment, Peaceful Life

Techcom Banking and Finance Equity Fund (TCFIN) is a dynamic investment fund that targets leading companies operating in the Banking and Financial Services sector on the Vietnam stock exchange. It aims to achieve long-term profits that exceed the long-term profitability of the VN-Index or 3-5% higher than 12-month deposit rate. The fund carries a high level of risk due to its profitability being subject to annual fluctuations influenced by the stock market volatility, Vietnam’s economy, and the global economic environment.
TCFIN imposes a redemption fee of 0.5%-1% if redeemed within 1 year, making it suitable for long-term investments. The fund’s shares can be bought and sold daily with a minimum investment of 10,000 Vietnamese dong. TCFIN is managed by Techcom Capital Fund Management Joint Stock Company.

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Investing in stocks has never been easier

Stocks remain an attractive and essential area for investors due to their potential profit. Stocks offer high liquidity, ease of trading, flexible investment timeframes, consistent profits, and annual dividend cash flows.
However, effective stock investment is not an easy task. Investors need extensive experience and time to select and evaluate businesses, choose the right profit-taking time, and analyze companies in detail to minimize risks.
One safe and efficient way to invest in stocks is to invest in a basket of stocks representing leading Vietnamese enterprises listed on the stock exchange. The Techcom Banking and Finance Equity Fund (TCFIN) actively invests in top companies within the Banking and Financial Services sector on the Vietnam stock exchange.
This sector is a cornerstone to the Vietnamese economy, accounting for nearly 40% of the total capitalization of VN-Index. The after-tax profit of the entire banking industry has seen an average annual growth of 23% between 2012 and 2022, with a credit growth rate often 2 to 3 times higher than Vietnam’s GDP growth rate, showcasing its significant economic importance.
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    Effective Profit Generation
    Long-term expected profits are projected to be higher than the long-term returns of the VN-Index or the interest rates of 3-4% per year from 12-month savings deposits. VN-Index has shown an annual compound growth rate of around 12% since its inception.
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    Minimal Investment Experience Needed
    Leading financial experts will guide the selection of the best and safest stocks on your behalf.
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    Flexible Liquidity
    Daily capital withdrawals are ensured. Convenient online trading through Tcinvest.
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    Safety and Transparency
    The fund is supervised by the State Securities Commission and the Bank for Investment and Development of Vietnam - Hanoi Branch

Please note:

  • Investing in fund certificates, bonds, and stocks carries risks, and profits are not guaranteed. Investors should thoroughly review product documents and contracts to understand the risks before deciding to participate.
  • Investors should carefully read the Fund’s Prospectus before purchasing fund certificates and pay attention to service fees when trading fund certificates.
  • The trading price of fund certificates may change depending on the market situation, and investors may incur losses on their invested capital in the fund.
  • Previous fund performance information is for reference only and does not guarantee profitable investment for investors.

(*) average compound interest rate of the VN30 index from 2016 to 2020.

Fund information

Investment Strategy

With a long-term profitable strategy, we avoid speculative short-term stocks and focus on investing in top companies in the Banking and Financial Services sector on the Vietnam stock exchange:

– Strong management capability

– High long-term growth potential

– Leading market share

– Solid financials

– Diverse and sustainable shareholder structure

Strictly Adhering to Investment Principles:

– A portfolio of no fewer than 15 stocks

– No more than 20% investment in one stock

– Total value of major investments not exceeding 40%

Supervisory Bank

Bank of Investment and Development of Vietnam – Hanoi branch

Audit

Ernst & Young Vietnam Limited Company

Fund Representatives

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Mr. Nham Ha Hai
Team member
Mr. Nham Ha Hai
Chairman
Mr. Hai holds a Master's degree in Finance from France and an advanced macroeconomic certificate from Germany.
Mr. Hai has in-depth knowledge of debt instruments, capital instruments, and structured financial instruments, with over 16 years of high-level work and management experience in the banking and investment sector in Vietnam State Bank, FPT Investment Fund Management Company, Techcombank, Techcom Securities Joint Stock Company, and Standard Chartered Bank Vietnam.
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Mr. Dao Kien Trung
Team member
Mr. Dao Kien Trung
Member
Mr. Trung graduated with a degree in International Law from the University of Languages and International Studies, specializing in English.
From 1999 to the present, Mr. Trung has held various positions in units such as Grant Thornton Vietnam Limited Company, Techcombank, FPT Corporation, FPT Investment Fund Management Company, and Debt Management and Asset Exploitation Company - Techcombank.
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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. Vuong 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.

Investment portfolio

NAV Chart

Transaction Service Fees

– Lowest transaction service fees in the market

Management Fee Issuance Fee Redemption Fee
TCFIN – Techcom Banking and Finance Equity Fund 1.2% of NAV per year 0% 1. From 0 to less than 6 months: 1% of redemption order value
2. From 6 to 9 months: 0.75% of redemption order
3. From over 9 to 12 months: 0.5% of redemption order
4. From over 12 months or more 0% of redemption order
Fund conversion order
TCFIN – >Other funds managed by TCC Holding period Conversion Service Fee
(% of selling order value)
0 to less than 6 months 1.00%
From 6 months to 9 months 0.75%
From over 9 months to 12 months 0.50%
From 12 months or more 0.00%

Announcements

  • General Notices
  • NAV reports
  • Periodic reports
  • Audited Financial Reports
  • Shareholders' Meeting
  • Others

Fund report