Comprehensive Guide: How to Make Money Online through Investment Apps and E-commerce in Vietnam

The Changing Landscape of the Digital Economy and Trends in Earning Money via Smartphone

After social upheavals, the ways of working and doing business have undergone significant shifts. The rapid development of digital technology has created a completely new job market — remote work, online trading, or financial investments are no longer unfamiliar. Today, anyone with a smartphone can start earning additional income without going to an office or physical store. Making money online has become a real economic sector, with millions of Vietnamese participating daily.

The Three Main Types of Money-Making Apps on Smartphones

Task Completion Apps - The Easiest Path but Limited Profit

This type operates on a very simple principle: users complete small tasks and receive corresponding rewards. These tasks can include surveys, inviting friends to download apps, watching ads, or answering questions. Each completed task yields from 5,000 VND to 100,000 VND depending on difficulty.

The main advantage is that no initial capital is required; anyone can join. However, the obvious downside is that the earnings are very low and require a lot of time. Therefore, this method is most suitable for students or people with plenty of free time.

Online Investment Apps - The Choice for Those Wanting to Accelerate Profits

These are applications provided by banks, securities companies, or international trading platforms, allowing users to perform financial transactions directly from their phones. Online investment apps include various types:

• Bank savings: Open an account and deposit with low interest rates (around 4%-7% annually), service fees from 50,000 VND to 200,000 VND per year
• Vietnamese stock investment: Trade shares of major domestic companies, with higher returns (over 10%), transaction fees of 0.01%-0.03% of transaction value
• Global asset investment: Trade international stocks, indices, cryptocurrencies, commodities via international platforms with the highest returns but requiring more knowledge

The downside is that initial capital (usually starts from $50 more than a few million VND), along with financial risks and the need for market understanding. However, with a proper strategy, returns can be many times higher than traditional savings.

E-commerce Apps - A Path for Aspiring Entrepreneurs

The growth of e-commerce in Vietnam has enabled anyone to open an online shop with just an app. Sellers need to prepare products, create storefronts on platforms, upload items, proactively contact customers, and handle orders. When a product is sold, the platform deducts a 15%-20% commission from the sale price.

The advantage of this model is that profits depend on your sales strategy and market demand. However, you need to have actual inventory, manage stock, handle logistics, and continuously interact with customers.

Detailed Comparison of the Three Money-Making Methods

Analysis of Popular Online Investment Platforms

International Asset Trading Platforms

These platforms allow trading over 100 financial assets including stocks (Apple, Tesla, Amazon), indices (S&P 500, FTSE 100), cryptocurrencies (Bitcoin, Ethereum), and commodities (oil, gold). Notably, they use leverage (leverage), enabling investors to put down only 1/10 of the asset value to earn 10 times the profit. For example, if Bitcoin increases by 1%, your CFD asset will increase by 10%.

Advantages: Diverse assets, high returns, 24/7 trading. Disadvantages: High risk, requires market knowledge.

Vietnamese Stock Trading Apps

Licensed by the Vietnam Securities Commission, these apps allow trading of domestic stocks such as Vinamilk (VNM), Masan (MSN), Vingroup (VIC). Leverage here is typically 1/2, meaning if a stock rises 1%, your return increases only 2%. Major brokerage firms often have stable trading platforms and quick order matching.

Managed Investment Funds

If you prefer not to manage your portfolio yourself, you can entrust your money to professional funds. This model is similar to bank savings but with higher yields, ranging from 5%-15% annually. It’s a safe choice for those without experience but wanting to accelerate profits compared to regular savings.

Major E-commerce Platforms in Vietnam

Leading e-commerce platforms in Vietnam all offer mobile apps for selling. These platforms usually have large customer bases, simple store registration procedures, and frequently run promotional policies to support sellers. Differences among platforms include commission rates, order processing speed, and customer demand for different types of products.

Important Warnings When Using Online Investment Apps

Making money online is simple and accessible, but it also becomes a golden ticket for scammers. Currently, many investment apps are counterfeit, or financial companies without proper licenses still operate to steal investors’ money.

How to Protect Yourself:

• Only use apps from officially licensed companies (check licenses from ASIC, Vietnam Securities Commission, or international regulatory bodies)
• Check user reviews on app stores, prioritize apps with ratings of 4.0 or higher
• Absolutely avoid installing apps from unknown sources, as they may contain viruses stealing personal information
• For task-based apps, be cautious as they are often used to distribute malware

Conclusion

Everyone now owns a smartphone, so why not leverage it to generate additional income instead of just browsing social media? The three current online earning methods include task completion, online investment apps, and selling via e-commerce, each with its own pros and cons.

If you have capital and want to accelerate profits, online investment apps are the most effective choice. You can start with safe bank savings, then move on to Vietnamese stock investments, or expand into international financial assets with higher risks and returns.

However, earning money online easily does not mean without risks. Scams, personal information theft, and financial losses are constant dangers. Therefore, before starting any money-making activity, equip yourself with full knowledge, thoroughly research applications, and only use reputable platforms verified by official authorities.