PoriPurno News Desk | August 04, 2025
In a country where most people plan their daily lives down to the last Taka, a growing concern is emerging—not a lack of money, but a crippling fear of losing it. This fear, experts say, is the single biggest barrier to building a smart investment culture in Bangladesh.
According to RTB-TNH Group, a project-based, technology-driven investment platform, the real issue in the Bangladeshi economy isn’t profitability—it’s mindset. “People here fear losing what little they have so much that they rarely take the right steps to grow their wealth through structured, intelligent investment,” said the group in a statement.
A private research analysis shared by RTB-TNH Group highlights several alarming trends in the country’s investment behavior:
- 7 out of 10 people invest based solely on references from close relatives or friends.
- 45% do not sign written contracts before making investments.
- 82% have little or no understanding of ROI (Return on Investment).
- Only 11% conduct proper market research before investing.
These numbers paint a sobering picture of a nation where emotion often outweighs evaluation. South Asians, and particularly Bangladeshis, are known for emotional decision-making—something also reflected in the 2018 YouGov Emotionality Index, which ranked Bangladeshis as the most emotionally driven in the region.
This emotional tendency often leads people to fall prey to financial scams. As the group notes, “We blindly trust loved ones, which is why we invest in platforms like MTFE or dump lakhs of Taka into unverified e-commerce ventures just because a cousin or brother-in-law recommended it.”
One striking revelation came from the 2014 S&P Global Financial Literacy Survey, which found that only 19.7% of Bangladeshis are financially literate. This means nearly 80% of the population do not understand basic financial concepts such as interest, risk, assets, and liabilities.
Referencing American financial educator Robert Kiyosaki’s famous quote—“Job security is a myth. The real security lies in financial education.”—RTB-TNH Group emphasizes the urgent need for widespread financial literacy across the country.
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A New Economic Philosophy: ASMIA Investment Platform
In response to these systemic issues, RTB-TNH Group has launched a new project-based platform under the ASMIA initiative (details shared internally), designed to provide a transparent and intelligent investment ecosystem. Unlike typical “get-rich-quick” schemes, the platform promotes data-backed, real-world, and traceable investment structures.
Key features of the ASMIA platform include:
- A fully documented product plan
- Public roadmap outlining project goals and timelines
- A financial dashboard for real-time monitoring
- A trackable investment route with accountability mechanisms
RTB-TNH Group’s communication team urges the public to be cautious of offers that sound too good to be true. “Anyone saying ‘invest today, get rich tomorrow’ is almost certainly running a scam,” they warned. “If there’s no MVP (Minimum Viable Product), no public roadmap, no clear documentation—stay away.”
Instead, the group invites forward-thinking individuals to engage in a new kind of economic philosophy—one grounded in intelligence, courage, and calculated possibilities.
“We need to move away from blind faith and toward a future shaped by wisdom,” the statement concluded. “Only then can we build a society grounded in humanity, justice, and integrity.
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