越南黄金持有不等于流动性：个人资产配置与税务合规启示

I had to borrow money for my kid’s surgery despite having 15 taels of gold - VnExpress International The most read Vietnamese newspaper Follow us on Edition: International | Vietnamese Home News Politics Education Environment Traffic Crime Brainteaser Business DataSpeaks Property Billionaires Markets Companies Economy Money Quiz Tech Tech news Enterprises Personalities Vietnam innovation Challenge hub Travel Places Food Guide Visa Puzzle Life Trend Arts Celebrities Vogue Love Wellness Sports Football Boxing Marathon Tennis Golf Other sports Trivia World Perspectives Readers' Views VnE-GO Premium Contact Us © Copyright 1997 VnExpress.net. All rights reserved. Go Business DataSpeaks Property Billionaires Companies Markets Economy Money Quiz Copy link Most Read 1. Malaysia’s richest man Robert Kuok’s PPB Group names his grandson as board director 2. Gold prices drop 3. Banker left seven-figure job to sell bubble tea, now his company makes $500M a year 4. South Korean celebrities rush to sell property as capital gains tax could reach 75% 5. Thailand denies allegations tourists are arbitrarily refused entry at airports 6. Stocks post largest dip in history 7. Computer science master’s graduates most sought-after by US employers 8. Which is the most expensive retail street in Asia-Pacific? 9. Vietnam's top beach city Da Nang to double airport capacity to 20 million per year 10. Middle East conflict puts world's busiest airport muscle to the test I had to borrow money for my kid’s surgery despite having 15 taels of gold By TNT &nbspMarch 8, 2026 | 03:21 pm PT People may not always be able to sell their gold quickly when an emergency arises. Illustration photo by Matt Hunt via Reuters Though I have 15 taels of gold in my safe, I still had to borrow money from relatives when my child was unexpectedly hospitalized. I have had a habit of accumulating gold for more than seven years. Whenever I have extra money, either from bonuses or side jobs, I buy some gold and save up to a few taels (1 tael = 37.5 grams or 1.2 ounces) each year to store away.I do not understand the stock market, nor do I have enough money to invest in land. For me, gold is the simplest option. Before Tet (Lunar New Year), I gathered all the cash I had to buy gold because I feared prices would rise sharply.I have so far saved up 15 taels, an achievement I once felt very proud of. I have always believed that the gold should only be used in the far future, like 10–20 years, or in case of major emergencies.Recently, my child had to be hospitalized for an unexpected surgery. The treatment costs had to be paid immediately. Standing at the hospital cashier, I kept thinking about my stash. But I could not sell it right away because gold prices were fluctuating and the buy-sell spread was too high. I also did not have much cash left.In the end, I had to borrow money from relatives to pay for the surgery in time. The feeling was difficult to describe: owning a considerable amount of assets, yet still having to borrow money because of a lack of cash.After this experience, I had to reconsider how I accumulate wealth. Gold is indeed for long-term security, but it cannot always be liquidated immediately when needed. In this regard, bank savings may not offer high interest.I also realized that without discipline and clear distribution, you can end up in a situation where you have a lot of assets but not much cash. I have since sold part of my gold to set up a proper emergency fund.Those 15 taels of gold once gave me peace of mind, but the recent incident taught me that true peace of mind does not come from how much you accumulate, but from how well you prepare for the unexpected.*This opinion was submitted by a reader. Readers’ views are personal and do not necessarily match VnExpress’ viewpoints. Comments (0) Latest first | Highest rated Latest firstHighest rated View more 20/1000 Tắt chia sẻ Log out 0/1000