Financial Investment Guide for Beginners: Effective Profit Channels on Mobile

Vietnamese investors are shifting rapidly from traditional transaction counters to digital platforms. Financial management and trading apps have become essential tools for any investor looking to start their personal finance journey. This article will introduce popular investment channels and how to leverage digital tools to make money effectively right on your phone.

Basic Financial Investment Channels Commonly Used by Vietnamese People

Savings Deposits - The Safest Channel

Savings deposits remain the top choice recommended by personal finance experts, with a suggested allocation of 20-50% of your idle funds into this channel. By 2025, savings interest rates at Vietnamese banks range from 1.7% to 9% per year, depending on the term and account type.

The advantage of this channel is safety, low risk, and suitability for conservative investors. You can deposit savings directly through banking apps without visiting the branch.

Gold Investment - Long-term Asset Preservation

Gold is an age-old asset protection tool, especially useful during high inflation periods. Over the past 5 years, global gold prices have increased from about 1000 USD/ounce to nearly 2000 USD/ounce, demonstrating its long-term appeal.

Although in stable economic periods gold may not yield high returns like bank savings, it is considered the best “economic insurance” during crises. You can buy physical gold or trade gold on digital platforms.

Stock Market - Growth Opportunities

The Vietnamese stock market has seen a boom in the number of individual investors, especially young people. 2020 is considered a breakout year with the highest number of individual investors in two decades.

There are two main methods of stock investment:

Short-term investing: Based on technical analysis of price charts to determine buy/sell timing and seek profits from short-term price fluctuations.

Long-term investing: Choosing stocks of companies with solid business foundations and growth prospects, then holding long-term. For example, some good stocks with impressive growth over 2 years include VCB (+64.48%), VIC (+47.57%), HPG (+39.76%).

To get started, you need to open a securities account with a reputable brokerage. Transaction fees usually range from 0.15%-0.40%, depending on the service provider.

Managed Investment Funds - The Passive Path

If you lack time to research the market, investing in asset management funds is a reasonable choice. These funds raise capital from many individual investors and are managed by professional managers who allocate investments into stocks, bonds, or commodities.

The advantage is you don’t need to spend time researching, but the downside is you must accept risks if the fund performs poorly.

Derivatives (CFD) - Highest Profit, Highest Risk

Derivatives are tools for investors willing to accept high risks for high returns. CFD contracts allow you to trade based on price movements of gold, silver, stocks, currencies, and other assets without owning them.

To succeed with derivatives, you need to stay constantly updated with daily economic news and have a clear risk management strategy.

Effective Digital Tools for Financial Investment

With technological development, you can manage your entire investment portfolio from your phone. Reputable platforms and investment apps offer:

• 24/7 trading with access to global markets
• Low spreads and competitive fees to maximize profits
• Modern analysis tools with technical charts and real-time market news
• Flexible leverage from 1:2 to 1:200 depending on asset type
• Demo accounts to practice before real trading

When choosing a platform, prioritize those licensed internationally, supporting deposit and withdrawal via Vietnamese banks, and with user-friendly interfaces. Many platforms also offer free training through webinars and educational materials to enhance your trading skills.

Investment Strategies for Beginners

In the context of deposit interest rates dropping to 4.5-5.5% per year, diversifying your investment portfolio becomes more essential than ever.

Suggested asset allocation:

• 30-40% into bank savings to create a safe emergency fund
• 20-30% into gold or long-term savings certificates
• 20-30% into quality stocks or investment funds
• 10-20% into higher-risk tools like derivatives (if experienced)

By Q3/2025, assets linked to cryptocurrencies, forex, and commodities (oil, gold) are showing profit opportunities from price fluctuations. Active investors can exploit these movements through derivative instruments.

Conclusion

Financial investment is not a luxury reserved for the wealthy. With just a few million VND, you can start building wealth through safe investment channels or actively seek higher profit opportunities.

Modern technology has democratized investing—anyone with a smartphone can access global markets and professional investment tools. The key to success is continuous learning, disciplined risk management, and taking action today.

Whatever path you choose—from safe savings to high-risk derivatives trading—remember that every step in your investment journey is a step toward financial freedom.