5 Most Effective Ways to Make Money from Home on Your Phone in 2025

In recent years, earning money at home through mobile applications has become a popular trend among many Vietnamese people. Instead of aimlessly browsing social media, you can fully utilize your smartphone to generate additional income. This article will analyze in detail the methods of earning money at home and the popular applications that help you optimize your free time.

The Three Main Ways to Earn Money at Home via Apps

Method 1: Task Completion - Quick Money but Low Income

This is the easiest method for beginners. You don’t need initial capital; just download the app and complete simple tasks such as taking surveys, watching ads, or inviting friends to join.

Each completed task can earn you from 5,000 VND to 100,000 VND depending on complexity. However, this method takes a lot of time and offers modest income. It is most suitable for those with free time but no initial investment.

Warning: Some apps of this type may install malware to steal personal information. Always check reviews and app history before downloading.

Method 2: Financial Investment - The Most Effective Way to Earn Money

This is considered the fastest profit-generating method today. Instead of letting your money sit idle, you can invest in assets such as:

• Bank Savings: The lowest yield (4%-7%/year), suitable for capital preservation. However, you must pay an annual fee of 50,000 VND to 200,000 VND.

• Domestic Stock Market: Higher returns (over 10%/year), but requires market knowledge. Transaction fees range from 0.01% to 0.03% per order.

• International Financial Assets: Including foreign stocks, indices, cryptocurrencies, and commodities. Highest profit potential but also higher risk. International investment platforms often use leverage (leverage) to amplify returns, for example, 1/10 means you only need to put in 1/10 of the asset value.

Illustration: If Bitcoin increases by 1% and you use 1/10 leverage, your profit will be 10%. This makes these apps powerful profit tools but also high risk.

Method 3: E-commerce - Income Based on Customer Demand

You can open an online store on e-commerce platforms with low startup costs. This model does not require initial capital (if selling used items or dropshipping), but income depends entirely on market demand.

Platforms usually take a commission of 15%-20% per sale. You need to regularly contact customers, update product lists, and handle shipping. This method suits those with an entrepreneurial spirit.

Detailed Comparison of the Three Home Income Methods

Popular Home Money-Making Apps in Vietnam

( 1. International Investment Platforms - For Those Who Want to Expand

These platforms allow you to invest in over 100 asset types, from major stocks )Apple, Tesla, Amazon(, market indices )S&P 500, FTSE 100(, cryptocurrencies )Bitcoin, Ethereum(, to commodities )oil, gold(.

How to earn money:

1. Create an account and deposit at least $50 )min###
2. Choose the asset to invest in
3. Use leverage to amplify profits
4. Close the position when reaching your profit target

Advantages: Access to global markets, free demo accounts for practice, high leverage to increase yields.

( 2. Domestic Stock Trading Apps - For Those Interested in Domestic Markets

Vietnamese brokerage firms offer trading apps allowing you to buy and sell stocks of Vietnamese companies like Vinamilk, Masan, Vingroup directly from your phone.

Difference: Leverage is usually 1/2 instead of 1/10, so returns are lower but risks are also less. Transaction fees are similar )0.01%-0.03%###.

3. Investment Funds Apps - For Those Lacking Financial Knowledge

This model allows you to entrust money to professional managers. You just need to deposit money and receive dividends when the fund profits.

Profit rate: 5%-15%/year, higher than bank savings but lower than self-investment. A safe solution for those who do not want to manage portfolios themselves.

4. E-commerce Platforms - For Those Wanting to Start a Business

Major e-commerce platforms in Vietnam enable you to open a store quickly. Simple procedures, many promotional policies to support sales, and large customer traffic.

You just need to list products, wait for orders, ship, and receive payment. This model is flexible, requiring no capital if selling used items or using dropshipping.

5. Service Apps - Earn Cashback via Challenges

Some service apps allow you to earn money through cashback offers. For example: Complete 5 transactions → receive 20,000 VND to 50,000 VND in e-wallet.

This is a good solution if you frequently use those services. Additional income is an added advantage.

Important Notes When Earning Money at Home

( Risks and Prevention

Because online earning is easy, many scam apps also appear. Fake apps often aim to steal deposits or install viruses to steal personal information.

How to protect yourself:

• Only use platforms with clear licenses from regulatory authorities
• Check reviews on Google Play or App Store )at least 4 stars###
• Research company history before registering
• Never share sensitive personal information

Choosing the Right Option for Your Situation

• Students and pupils with plenty of free time: Task completion
• People with idle capital wanting profit: Financial investment
• People wanting to run a real business: Online selling
• People lacking financial knowledge: Managed investment funds

Conclusion

Earning money at home through mobile apps is truly feasible and can yield good results if you choose the right method suited to your circumstances and goals. The three main forms—task completion, financial investment, and online selling—each have their own advantages and disadvantages.

Among them, earning money at home via financial investment apps yields the fastest results but also involves high risks. Equip yourself with basic knowledge, select reputable platforms, and start with small amounts to test. Most importantly, always be cautious of common scams to protect your assets and personal information.