Online investment with little capital: 7 suitable options for individual investors

Why Do You Need to Find New Investment Channels?

The unemployment phenomenon after the Covid-19 pandemic has forced many people to reconsider their personal financial management. Instead of relying solely on salary from a job, seeking profitable investment channels has become an urgent need. However, as traditional markets like the domestic stock market are under pressure with the (VN Index dropping below 1000 points), individual investors need to explore new opportunities that not only have high profit potential but also limit risks.

This article will analyze 7 online investment channels that are currently less popular, helping you choose the most suitable method for your financial situation and personal goals.

7 Least Effective Online Investment Channels

1. CFD Contracts ( - Comprehensive Solution

CFD is a derivative instrument allowing investors to profit from price fluctuations without owning the actual asset. The outstanding advantage of CFDs is the ability to profit when the market declines through short selling.

Illustrative example: When predicting crude oil prices will fall due to airline disruptions and decreased oil demand, investors can short sell crude oil. If the prediction is correct, the profit from the price decrease will be yours.

CFD provides essential trading tools:

• Using leverage to amplify potential profits
• Stop-loss orders to limit risks

To start with CFDs, you only need a very small initial capital. Many trading platforms offer free demo accounts with virtual money for practice. You should get familiar with buy/sell orders, chart analysis, and develop your own strategy before trading live.

) 2. Forex ### - 24/7 Market with High Liquidity

Forex is the world’s largest financial market, with daily trading volume of thousands of billion USD. Key features include:

• A wide variety of currency pairs to choose from
• Extremely high liquidity – can buy/sell instantly
• Two-way market allowing trading in both rising and falling directions
• Leverage support to optimize capital

You can start Forex trading with an extremely small capital, just from 4-5 USD. The necessary knowledge for Forex is similar to CFD, so once you master one channel, transitioning to the other becomes easier.

( 3. Seasonal Business - Opportunities from Social Rhythms

Vietnam’s characteristic is holding many festivals, cultural events, and peak shopping seasons year-round. If you have sales skills and business acumen, you can take advantage of these periods.

Typical example: During the Mid-Autumn Festival, many people run homemade or custom-designed mooncake businesses, earning hundreds of millions VND in just one season. This investment form has the advantage of requiring no large capital and anyone can participate. However, success often takes longer than other methods.

) 4. International Stocks - Strong Growth Trend

While the domestic stock market faces difficulties, international markets, especially the US, are showing remarkable growth. Major tech giants like Apple, Microsoft, Salesforce have increased over 50% this year. The S&P 500 and Nasdaq 100 indices continuously set new records.

To successfully invest in stocks, you should combine:

• Short-term trading strategies with technical signals
• Long-term holding strategies for fundamentally strong companies
• Technical analysis to choose entry/exit points

5. E-commerce Business - Flexible and Accessible

Online business through e-commerce platforms, livestream sales, or marketplaces does not require complicated legal conditions in Vietnam. The entry barrier is low, but to succeed, you need:

• Clear competitive advantages over rivals
• Competitive pricing while ensuring quality
• Good customer service

The time for online business to become profitable is usually longer than other financial trading forms, but revenue potential can be very high.

6. Gold Trading - Expectation to Improve Liquidity

Buying and selling gold and precious metals is a traditional investment channel. However, the large discrepancy between domestic buy and sell prices ###sometimes up to 4 million VND### reduces actual profit.

A solution is trading gold on reputable electronic gold platforms, where transaction costs are much lower than buying gold bars. Reduced transaction costs significantly increase the actual profit margin.

( 7. Building Advertising Websites - Long-term Profit Potential

Creating review websites, product evaluation sites to earn commissions from brands or providing discount codes from e-commerce platforms is a very small capital investment method.

Website development costs are low, and you can even complete it in minutes. However, growing the website to attract high traffic requires considerable time. When successful, profits can reach billions of VND.

Comprehensive Comparison of 7 Investment Channels

Summary from the comparison table:

If you are looking for low-capital online investment with high liquidity )that can be bought and sold immediately, without inventory###, the top four channels are: CFD, Forex, international stocks, and online gold trading. These channels are especially suitable if you want to see results in a short period.

Conversely, seasonal, online, or advertising website businesses require longer development time but also have relatively low initial capital.

Principles of Smart Financial Investment for Small Capital

( 1. Reduce unnecessary expenses

The first step is to review daily expenses. Saving every penny is more comfortable than earning a new one. Cutting unnecessary costs creates capital for investment.

) 2. Increase supplementary income

For many, reducing expenses has limits. The next step is to increase income by leveraging personal skills and knowledge. For example: if talented in singing, consider becoming a streamer or YouTuber; if skilled in handmade crafts, sell on platforms like Shopee or Etsy.

3. Invest in cash flow - Core Strategy

This is the secret of most wealthy investors: make money work for you. Instead of just saving cash, you should put money into profitable channels so it grows automatically.

Cash flow can be divided into two types:

• Short-term: forex trading, CFDs, bank deposits, cryptocurrencies
• Long-term: bond investments, business setup, real estate purchases, gold reserves, stocks, life insurance

4. Protect accumulated assets

Protecting money is as important as increasing income. You should:

• Purchase quality health insurance
• Avoid dubious investment opportunities ###common scams in Vietnam###
• Only trade on legally compliant and transparent platforms

( 5. Continuously upgrade knowledge

Update market news, learn from successful investors, and expand understanding of various financial fields. This helps you make safer investment decisions with higher profits.

Conclusion

With small capital, you can definitely start online investing through various channels. The goal is to find the method that suits your skills, free time, and personal financial goals. Smart investing is not about having a lot of money, but about how you manage and optimize your money.