The Story: A Cup of Coffee and Stocks
Mr. Minh is an ordinary office worker in Hanoi. Every morning, he drinks a cup of coffee costing 40,000 VND from a familiar café near his office. One day, he read the saying:
> "If you save a cup of coffee every day and invest that money, in the future you will have a whole café."
He began to do the math. If he saves 40,000 VND each day, he would have about 1.2 million VND in a month. Instead of saving, he researched stock investments. After a few months of learning, he decided to regularly invest this amount of money in the stocks of a large food company he trusted.
At first, he lost a few hundred thousand due to market fluctuations. But he did not panic and continued to invest steadily every month – the “dollar-cost averaging” strategy. After 5 years, the stock grew nearly 300%. The small initial amount turned into nearly 100 million VND – just by changing a small habit.
