Fiat money is not a productive asset.

Explanation:

A productive asset is something that generates cash flow or increases in value over time, such as: stocks (dividends), rental property (rental income), or machinery (produces goods).

Fiat money (like VND, USD, EUR) does not generate value by itself. It functions only as a medium of exchange, a store of value (temporarily), and a unit of account. Over time, due to inflation, fiat money loses value if not invested in productive assets.

A famous quote from Warren Buffett illustrates this clearly:

> “Cash is the worst investment – it earns nothing and depreciates over time.”