Investing

Hụi rotating savings circles run on trust within the Vietnamese community, but the pooled structure creates real legal exposure and tax reporting questions.

A 401(k) employer match is free money you can miss without knowing it. Here’s how vesting and contribution rules actually work.

Series I bonds pay inflation-linked interest and carry no state tax. Any Vietnamese American with a valid SSN can buy up to $10,000 a year through TreasuryDirect.

Vietnamese unit trusts and mutual funds held from the US fall into the PFIC tax trap, an obscure IRS category that can turn a modest gain into a steep bill.

Roth IRA Vietnamese immigrants who start in their 20s often retire with far more than those who wait until their 40s to begin.