Gen Z across Vietnam, Singapore, Indonesia and other Southeast Asian countries are entering the financial markets at an unprecedented pace. According to Statista (2024), investors under 30 now account for 34% of all new trading accounts in Southeast Asia — the highest in the past decade.

But the paradox is:

• 73% of young investors lose money or break even in their first year (OCBC Report 2024).

• 62% invest based on emotions or unverified advice.

• And only 8% truly understand risk management.

The reason isn’t that they’re incapable.

It’s because they lack a proper financial foundation — something no school teaches, and social media often distorts.

Tovest Academy exists to fix this problem: bring financial knowledge back to its essence and help young people build a sustainable mindset instead of chasing luck.

The Biggest Problem: Knowledge Is “Fragmented”

This is how Gen Z and Gen Y typically learn investing:

• TikTok teaches “buy this coin,”

• Facebook teaches “swing trade like this,”

• Pinterest teaches “get rich in 3 months,”

• A random mentor tells them to “copy my portfolio.”

The result:

Knowledge without structure → no strategy → no results.

CFA Institute (2023) found that young people who learn finance through social media have:

• 3.2× higher loss probability

• 47% higher dropout rate

• 29% lower risk tolerance

Meaning: they act faster than they understand.

The Real Issue: No One Teaches the 3 Root Layers of Personal Finance

1. Mindset & financial framework

1. Risk management

1. Investment strategies for each life stage

Without these 3 layers, every investment decision is essentially a gamble.

The Truth No One Wants to Admit: Low Income Is Not the Main Reason

In Tovest’s internal survey (2024), 68% of young people said they don’t invest because of “low income.”

But market data tells a different story:

📌 Vietnam: 41% of new investment accounts come from those earning 8–12 million VND/month (SSI Research 2024).

📌 Indonesia: 53% of new investors start with less than 100 USD (IDX 2023).

Meaning:

It’s not low income. It’s wrong priorities.

No knowledge → no plan → don’t know where to start → procrastination.

Tovest Academy helps break this barrier by teaching through systems, not “quick tips.”

90 Days to Build a Strong Financial Foundation (Tovest Framework)

Based on data from Tovest learners, we created the “Tovest 90-Day Financial Base” — a model that gives beginners structured, essential, immediately applicable knowledge.

Phase 1 — First 30 Days: Understanding Money & Financial Mindset

You will learn:

• How money actually moves

• Investor psychology

• Types of risks (systematic & unsystematic)

• Long-term wealth growth mindset

Goal:

Avoid 80% of the most common mistakes (JP Morgan Behavioral Finance Report 2023).

Phase 2 — Next 30 Days: Foundational Investment Knowledge

Learn the 4 core asset models:

1. Stocks

1. Fixed-income assets

1. ETFs

1. RWA & Asset Tokenization

This foundation helps you understand how assets generate returns — and keep you out of the FOMO traps.

According to Nasdaq (2024), investors who understand ETFs and RWA have 22–34% more stable returns compared to FOMO-driven crypto investors.

Phase 3 — Final 30 Days: Building Your Personal Financial Strategy

You will learn how to:

• Build a portfolio based on income level

• Determine asset allocation

• Manage risk

• Perform regular portfolio health checks

• Use data (reports & trends) instead of emotions

This is the “turning point” where young investors stop losing — start growing — and invest with intention.

Why Tovest Academy Is Different

① System-Based Learning — Not Quick Hacks

Knowledge is divided into 3 structured layers:

Mindset → Skills → Application.

② Backed by Real Reports & Market Data

Every lesson includes data from:

• Statista

• CFA Institute

• SSI Research

• JP Morgan

• Nasdaq

• World Bank

→ Not opinions. Real market knowledge.

③ Simple Language — But Accurate Knowledge

No over-complicated theory.

Every concept is explained with Gen Z–friendly examples.

④ Designed for Real-Life Financial Decisions

Tovest Academy isn’t about theory.

Everything revolves around:

How young people can manage money better — and invest more effectively.

Conclusion: Your Financial Future Depends on the Foundation You Build Today

The previous generation grew wealth through real estate.

Gen Z will grow wealth through knowledge, data, and strategy.

If you build a solid financial foundation, you will:

• Avoid FOMO

• Avoid risky “tips”

• Avoid chasing fast-money trends

Instead, you’ll have a long-term, measurable, stable roadmap.

That is the mission of Tovest Academy:

Help you understand right — invest right — and build a sustainable financial future.