Where should your idle money go?
One slider - see where your money ends up after 24 months with bank savings, a Phúc Tea investment or your own store. Honest numbers side by side, no option talked down.
Bank savings
The most familiar option, withdrawable when needed. Monthly compound interest, based on the rate you enter below.
Phúc Tea financial investment
Join from 50M VND. 10-12%/year by contract, paid periodically - principal returned after 24 months. Phúc Tea operates everything; many investors already on board.
Your own Tea Cart store
Needs at least 180M VND - you're 80M VND short. Almost there: slide the capital up to 180M to preview your store scenario.
Your money's path over 24 months
Starting from the same 100 million VND, the three options take three different paths. Tap a card or legend chip to spotlight one.
How to read: the vertical axis is your cumulative total value (principal + accrued interest or profit). Phúc Tea: simple interest paid periodically, principal returned at month 24. Own store: the first 2 months count as building a customer base so the line stays flat, profit is added from month 3; unused capital is treated as unchanged for easy comparison.
This is a simulation for reference only, not investment advice. The savings rate is entered by you; store figures are references from the operating system, not a commitment.
Figures are based on operating Phúc Tea stores in the Vietnam market; each case differs - contact us for specifics. For markets outside Vietnam, please contact us for locally relevant numbers.
What you have after 24 months
| Option | Total received | Net gain | Effort | Risk | Liquidity |
|---|---|---|---|---|---|
| Bank savings | ≈ 110M VND | +10M VND | Fully hands-off | Lowest | Withdrawable when needed |
| Phúc Tea financial investment | 120M VND - 124M VND | +20M VND to +24M VND | Fully hands-off | Low - contract-backed | Principal back after 24 months |
| The own-store option unlocks from 180M VND. | |||||
Straight talk
With your 100 million VND idle, after 24 months: savings at 5%/year gives about 110M VND · Phúc Tea investment about 120M VND - 124M VND · your own store needs 80M VND more to get started.
- Bank savings is still the safest option - right for money you might need at any moment.
- Phúc Tea financial investment is nearly as hands-off as savings with a better return (10-12%/year by contract) - in exchange, your capital stays in for the full 24 months.
- Opening your own store earns the most over time, but it is a real business: it takes operating effort and results depend on location and execution - it is not a deposit product.
- The fundamental difference: after 24 months, savings and the investment close a cycle - the store is still yours and keeps earning.
Want to see the real contract and cash flow of the financial investment?
Leave your details and the Phúc Tea team will share the sample contract, payout schedule and the list of operating stores - every number transparent, and you talk directly with the Founder. The team gets back within 1-2 business days.