Comprehensive Guide to Financial Investment Channels and Effective Investment Applications for Beginners

The financial investment market of Vietnamese people is rapidly shifting from traditional channels to digital platforms. The development of investment apps and online trading platforms has opened up new opportunities for investors, from beginners to experienced traders. This article will help you understand popular financial investment channels and how to choose the right investment app to maximize profits.

Basic Financial Investment Channels Everyone Needs to Know

Savings Deposits: A Safe Platform for All Investors

Savings deposits remain a traditional investment channel recommended by many personal finance experts. Investors should allocate about 20-50% of their idle funds to this channel. Currently, in 2025, savings interest rates at Vietnamese banks range from 1.7% to 9% per year, depending on the term and type of savings. Banking investment apps have made the deposit process easier and more convenient, allowing investors to manage their savings directly on their phones.

Gold Investment: Long-term Asset Value Preservation

Gold is considered a long-term investment tool with sustainable value. Over the past 5 years, global spot gold prices have increased from around $1,000/ounce to nearly $2,000/ounce, demonstrating its appeal as a hedge against inflation. Although during stable economic growth, gold may not yield as high returns as savings, it provides peace of mind as a powerful asset appreciation tool in case of economic crises. Today, investment apps allow trading gold via contracts for difference (CFD), expanding profit opportunities from gold price fluctuations.

Stock Market: Growth Opportunities for Young Investors

The Vietnamese stock market is experiencing a boom in the number of individual investors. According to statistics, 2020 recorded the highest number of new investors in two decades. There are two main approaches to stock investing:

Short-term investing relies on technical analysis of price charts to determine optimal buy/sell timing, exploiting short-term price volatility.

Long-term investing involves selecting stocks of companies with solid business operations and growth prospects for long-term holding.

Some companies with good performance on the Vietnamese stock market in recent 2 years include VCB (up +64.48%), VIC (up +47.57%), HPG (up +39.76%). Domestic stock trading apps help investors access the market quickly and conveniently.

Investment Funds: Passive Choice for Busy Investors

For those lacking time to research the market, investing in asset management funds is a smart choice. In this model, professional fund managers analyze and allocate investments into suitable securities, bonds, or commodities. The advantage is that investors do not need to spend time on detailed research. However, they must accept the risk of losses if the fund performs poorly.

Derivative Securities (CFD): High Returns but High Risks

Derivative securities, especially contracts for difference (CFD), are suitable for investors willing to accept high risk. They are the most potentially profitable among the above channels. CFDs allow trading on underlying assets such as gold, silver, stocks, Bitcoin (currently trading at $88.77K with +1.68% increase in 24 hours) and Ethereum (trading at $2.97K with +1.74% increase in 24 hours), with profits and losses calculated based on price volatility and trend direction of the assets. To succeed with this type of investment, investors need to stay constantly updated with daily economic news and have solid risk management skills.

How to Choose the Right Investment App for Your Needs

With the development of information technology, today’s investment apps offer user-friendly interfaces, powerful analysis tools, and simple trading processes. When selecting an investment app, investors should consider the following key criteria:

Reputation and regulation: The investment app must be regulated by reputable international financial supervisory authorities to ensure the safety of your invested capital.

Trading costs: Compare commissions, spreads (spread), margin interest rates, and other hidden fees. Good investment apps usually provide transparent and competitive fee structures.

Platform features: A quality investment app should have excellent charting tools, technical analysis features, continuously updated market news, and risk management capabilities (such as stop-loss orders and profit locking).

Available markets and assets: Choose an app that allows trading assets you are interested in, from forex (Forex) to stocks, commodities, and digital currencies.

Deposit/withdrawal support: A good investment app should support easy deposit and withdrawal methods via popular local channels, with instant processing or short waiting times.

Customer support: 24/7 multilingual support, including Vietnamese, is an important advantage when you need assistance.

Educational tools: Leading investment apps often provide webinars, video tutorials, and educational materials to help investors improve their skills.

Investment Strategies for Beginners

When starting your financial investment journey, many new investors are unsure how to allocate assets effectively. Compared to current bank deposit interest rates of about 4.5-5.5% per year, other investment channels like stocks, gold, or digital currencies have the potential to yield significantly higher returns.

As of now, traditional assets are experiencing slow fluctuations with returns below 5% over 3 months. However, digital assets like Bitcoin (at $88.77K), Ethereum ($2.97K), and Litecoin are showing strong upward signs. Therefore, an effective investment strategy at this time is to focus on high-volatility assets such as digital currencies and forex, where short-term profit opportunities through CFD trading on reliable investment apps are excellent.

Final Advice

Financial investment is an essential requirement for building a solid financial future. Even if you only have a small initial capital (a few million VND), you can still invest in safe channels like savings or participate in high-potential markets like derivatives trading. With the support of modern investment apps, accessing various asset types becomes easier than ever.

In the context of the volatile digital currency market, you can seize profit opportunities by trading CFDs on reputable investment apps. The key is to choose a regulated investment app with transparent fees, powerful analysis tools, and reliable customer support. Start with a small capital, test your investment strategies, and gradually expand as you gain more confidence.