Nhi points to the superannuation system. In Australia, employers put a portion of an employee's salary into managed funds, so even if you're not actively investing you're building wealth in the background — and it's mandatory. Vietnam has no equivalent system encouraging people to build wealth long term.
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She describes Australia as a developed market with deep capital markets and strong investor protection, where long-term financial planning is built into the system. The superannuation system — which she likens to the US retirement scheme — means younger people are exposed to long-term investing from a young age, automatically. Having grown up in Vietnam but lived in Australia in her adulthood, she was shocked that even without actively investing she was still building her wealth. She also notes Australia offers a broader range of financial products for retail investors, from ETFs to managed funds, and that its markets are transparent and regulated with strong investor protection — whereas in Vietnam people are more hesitant, especially about new financial products.