Comprehensive Guide: From How to Choose a Stock Investment App to Effective Money-Making Channels on Mobile

The financial investment needs of Vietnamese investors are shifting from offline to online at a rapid pace. Financial investment apps have become indispensable tools, helping you manage assets and earn money anytime and anywhere with just a smartphone. This article will help you understand popular investment channels and how to choose the right stock trading app to suit your needs.

The 5 Main Types of Financial Investment - From Safe to Highly Profitable

1. Savings Accounts: A Safe Foundation for New Investors

Saving is the most basic and safest option, recommended by experts to allocate 20-50% of idle assets. Currently, savings interest rates range from 1.7% to 9% per year depending on the bank. Although the profit is not high, this is the best way to protect your initial capital.

2. Gold Investment: A Long-Term Hedge Against Inflation

Gold plays an important role in a balanced investment portfolio. Global gold prices have increased from about $1,000 per ounce to nearly $2,000 per ounce over 5 years. Gold acts as a “hedge” against market volatility, especially effective during economic crises.

3. Stock Market Investment: Growth Opportunities for Young Investors

The Vietnamese stock market experienced a boom in 2020 with the highest number of individual investors in 20 years. There are two main strategies:

Short-Term Investment: Based on technical chart analysis and price signals to trade daily or weekly, capitalizing on price fluctuations.

Long-Term Investment: Selecting stocks of companies with sustainable growth prospects such as VCB (+64.48%/2 years), VIC (+47.57%/2 years), HPG (+39.76%/2 years).

Reputable securities brokerage firms in Vietnam include: VPS (8.2% market share), ACB Securities (6.97%), SSI (6.89%), VNDIRECT (6.78%), each with different transaction fees and margin interest rates.

4. Asset Management Funds: Smart Passive Investment Choice

For busy individuals, investing in asset management funds is an suitable option. These funds raise capital from many investors, and fund managers handle asset allocation. The advantage is saving research time; the downside is you still bear risks if the fund performs poorly.

5. Derivatives (CFD): High Profit Potential for Sophisticated Investors

CFD contracts offer the highest profit opportunities but also require accepting high risks. Investors trade based on price movements of underlying assets (gold, oil, stocks, cryptocurrencies) without owning them directly. This method requires regular economic news updates and strong risk management skills.

10 Effective Financial and Stock Investment Apps for Vietnamese Investors

With technological development, financial investment apps open up diverse earning opportunities right on your phone.

Summary of main trading platforms:

Major International Trading Platforms

MT4/MT5 Platforms: The most popular trading platforms worldwide for CFDs, allowing trading of Forex, cryptocurrencies, indices, and commodities. Advantages: competitive spreads, leverage up to 1:200, supports automated trading via Expert Advisor.

Etoro: Founded in 2007, with over 3 million investors from 196 countries. Notable for its CopyPortfolio tool that mimics successful investors’ strategies. Although supporting many asset types (stocks, ETFs, cryptocurrencies, Forex), it does not yet optimize payment support from Vietnamese banks.

xStation 5: Developed by a trading firm established in 2002, with over 170,000 investors. Offers Standard and Pro accounts with different conditions, supporting Forex, cryptocurrencies, indices, ETFs, and commodities.

cTrader: Known for in-depth analysis tools, effective day trading and scalping support. Founded in 2007, originally as a Forex trading platform with fast order execution.

Reputable Domestic Investment Platforms

Vietcombank App: Vietnam’s leading bank, offering online savings with higher interest rates than in-branch and real-time stock price updates. Very suitable for investors wanting to combine saving and stock monitoring.

Prudential PRUOnline: Besides insurance payments, investors can manage investment funds, switch between funds, and adjust investment ratios via the app.

VPS Smart Pro - Domestic Stock Trading App: The app of the securities brokerage VPS, holding a large market share, allowing convenient and professional trading of stocks, VNIndex, VN30.

Investment Strategy for 2025: Where to Start?

In the context of savings interest rates dropping to 4.5-5.5% per year, diversifying your portfolio is essential. Compared to bank interest rates, most other investment channels offer higher potential returns.

Recent Market Situation:

In the past 3 months, most traditional assets have shown slow fluctuations with quarterly profits below 5%. However, digital currencies are surging:

• Bitcoin (BTC): $88,770 (+1.62% in 24 hours, +0.65% in 7 days)
• Ethereum (ETH): $2,970 (+1.86% in 24 hours, +0.49% in 7 days)

These currencies tend to be highly volatile, creating short-term profit opportunities for CFD traders.

Suggested Asset Allocation for 2025:

1. 30-50%: Safe savings (solid foundation)
2. 20-30%: Gold or long-term stocks (inflation hedge)
3. 15-25%: Growth stocks or investment funds (moderate returns)
4. 5-10%: Cryptocurrencies or CFDs (high potential, high risk)

Tips for Choosing the Right Stock Trading App

When selecting a financial investment app, consider:

• Asset type: Trade only domestic stocks or global stocks?
• Risk tolerance: Safety or acceptance of large fluctuations?
• Initial capital: Some apps require only a few million VND
• Currency support: How many platforms support VND deposits/withdrawals?
• Analysis tools: Are there charts, technical signals or not?

Conclusion

Financial investment is no longer exclusive to the wealthy or experts. With modern financial apps, anyone working can start building assets from just a few million VND. The first step is to understand the risks, choose channels aligned with your goals, and utilize appropriate tools. Whether you prefer safety with savings or seek high returns from cryptocurrencies, the market offers options for everyone.