## Detailed Guide to Making Money Online Through Financial Investment on Mobile for Beginners

In the current economic context, finding additional income channels has become an essential need for most workers. The shift from traditional investment forms to digital platforms has opened up many new opportunities for individual investors. This article will help you explore effective online investment methods, from basic safe approaches to more advanced strategies.

## E-Commerce Trading Platforms: The Main Tool for Modern Investors

Today, financial investment is no longer limited to bank branches or traditional brokerage firms. Mobile applications have enabled investors to access a wide range of assets from anywhere, at any time.

Online trading platforms provide tools for various investment goals:

- **Forex and Index Trading**: Apps allow you to monitor and trade international currency pairs as well as global market indices.
- **Commodities and Precious Metals**: Gold, silver, and other commodities can be traded directly through modern platforms.
- **Cryptocurrencies**: Bitcoin (currently at $88.77K with a growth of +1.62% in 24 hours) and Ethereum (at $2.97K, up +1.86%) are digital assets followed by many investors.
- **Global Stocks**: From large corporations to blue-chip stocks.

## Basic Online Money-Making Investment Forms

### Online Savings - The Safest Choice

This is the investment form that financial experts always recommend for any portfolio. In 2025, savings interest rates range from 1.7% to 9% annually depending on the term and bank.

Experts advise allocating 20% to 50% of your idle assets into this channel. The advantages are low risk and protection by deposit insurance funds. However, returns may not keep pace with inflation during unstable economic periods.

### Gold Investment - Asset Protection Tool

Gold has proven to be a long-term value preservation tool. Over the past 5 years, the global spot gold price has increased from about $1,000 per ounce to nearly $2,000. This demonstrates gold’s ability to hedge against inflation.

Although during stable economic periods, gold may not generate high profits compared to other channels, in crises, it often experiences significant price increases. Therefore, gold is considered a strategic asset in any investment portfolio.

### Stocks - High Growth Opportunities

The stock market in Vietnam has witnessed a boom in the number of individual investors. According to data from regulatory agencies, 2020 marked a record with the highest number of new investors in 20 years.

There are two approaches to stocks:

**Short-term strategy**: Based on technical analysis of price charts to identify optimal trading times. This method focuses on benefiting from short-term price fluctuations.

**Long-term strategy**: Selecting stocks of companies with solid business foundations and growth prospects. For example, some good stocks in recent years have shown impressive growth such as VCB (+64.48% in 2 years), VIC (+47.57% in 2 years), HPG (+39.76% in 2 years).

### Managed Investment Funds - Passive Choice

Not everyone has time to research the market in detail. Investing in asset management funds allows you to delegate analysis and stock, bond, or commodity selection to professional fund managers.

The main benefit is saving time and benefiting from the experience of experts. However, you still bear the risk of losses if the fund performs poorly.

### Derivative Securities (CFD) - High Profit Opportunities

Contracts for Difference (CFD) are financial instruments that allow you to trade based on price movements of underlying assets without owning them directly. These assets include gold, silver, stocks, currencies, and cryptocurrencies.

CFDs are suitable for investors willing to accept high risks, as they can yield the highest returns among all investment channels. However, to succeed with CFDs, you need to stay updated with daily economic news and understand risk management thoroughly.

## Mobile Apps for Online Money-Making Investment

With technological advancements, mobile apps have become essential tools for investors. Here are some popular types:

### Multi-Asset CFD Trading Apps

Modern CFD trading platforms offer user-friendly interfaces with integrated risk management features. Common features of these apps include:

- 24-hour trading across global markets
- Low spreads and no hidden commissions
- Continuous updates on economic news and events
- Flexible leverage support
- MT4 or MT5 platforms for professional trading

These apps usually require a low initial capital (from 2-5 million VND) and support multiple deposit methods as well as copy trading features for those who want to imitate successful traders.

### Banking Apps - Online Savings Deposits

Top banks provide mobile apps that allow for online savings with higher interest rates than in-branch deposits. These apps often include real-time tracking of domestic stock prices.

### Investment Fund Apps

Some insurance and financial companies offer apps that enable investment in mutual funds. Through these apps, you can easily manage accounts, perform fund transactions, switch between different funds, and adjust allocation ratios.

### Domestic Stock Brokerage Apps

Local stock brokerage firms provide dedicated apps for trading domestic stocks. These apps allow you to trade stocks and indices like VN Index, VN30 conveniently from your phone.

## Online Money-Making Investment Strategies for 2025

With bank deposit interest rates at 4.5% - 5.5% annually, other investment channels are offering higher profit opportunities.

Recently, traditional assets tend to fluctuate slowly with returns below 5% over 3 months. However, the cryptocurrency group shows explosive growth. Bitcoin has reached $88.77K (up +1.62% in the last 24 hours), and Ethereum is at $2.97K (up +1.86%).

With such volatile markets, investors can find excellent profit opportunities through CFD trading. The recommended investment strategy is to focus on highly volatile asset groups, especially cryptocurrencies and forex, in the coming months.

## Conclusion

Financial investment today is no longer exclusive to professional financiers. With technological advancements, anyone can start building their investment portfolio with just a few million VND.

You can choose from safe investment options like savings or gold, to more advanced strategies through CFDs and cryptocurrencies. The decision depends on your financial goals, risk tolerance, and available time.

The key is to start early, keep learning continuously, and manage risks wisely. With the current tools and online earning platforms, the path to financial freedom is closer than ever.