Comprehensive Guide: Earning Money Tasks on Mobile Phones and Popular Online Money-Making Models in Vietnam

2025-12-26 10:51:10

Making Money on Your Phone Has Become a Trend

After major changes in business methods, digital technology is increasingly dominant. Now, with just a smartphone, you can participate in income-generating activities without leaving home. From simple task-based earning to financial investment or online selling, online money-making methods have become a true industry of the digital age.

Instead of wasting time scrolling social media, why not spend time on mobile apps that can generate additional income? This article will help you understand the three main models of money-making applications and how to choose the one that suits your needs.

The Three Main Online Money-Making Application Models

1. Task-based earning apps

This is the most popular and easiest to start. You don’t need initial capital, nor do you require special knowledge or skills.

The operation is very simple: the app assigns you specific tasks such as answering surveys, viewing ads, answering questions, or inviting friends to install the app. After completing, you will receive rewards in the form of phone cards or cash, usually from 5,000 VND to 100,000 VND depending on the difficulty of the task.

Advantages: Easy, no capital needed, suitable for students and those with free time.

Disadvantages: Low income, requires a lot of time to earn a significant amount.

2. Investment earning apps

These are financial trading platforms provided by banks, securities companies, or international investment platforms. You can perform transactions directly on your phone without visiting a branch.

Assets that can be traded include:

Bank savings certificates (with 4%-7%/year)
Vietnamese stock market shares
Investment fund certificates managed by professionals (with 5%-15%/year)
International financial assets (with potential yields exceeding 10%/year)

Profit models increase with the complexity and risk of the investment. Bank savings are the safest but offer low returns, while international investments can yield higher profits but require deep financial knowledge.

Advantages: High potential income, low time investment to use the app.

Disadvantages: Requires initial capital, needs financial market knowledge, risk of capital loss.

3. E-commerce apps

You can open an online store on e-commerce platforms with low investment to decorate your shop. The earning model is based on selling actual products.

The process is very simple: create an account, upload products you want to sell, wait for customers to order, deliver goods, and receive money. Each successful sale, the platform deducts a commission of 5%-20%.

Advantages: Income depends on you, unlimited, suitable for those wanting to start a business.

Disadvantages: Need to invest in purchasing goods, manage inventory, and frequently communicate with customers.

Comparison Table of the Three Money-Making Application Models

Criteria	Task-based	Financial Investment	E-commerce
Initial capital	None	Need (minimum from a few million VND)	Need to purchase goods
Average income	5,000-100,000 VND/task	4%-15%/year (depending on asset type)	Varies with product price
Usage costs	Free	Transaction fees or management fees	5%-20% commission
Usage time	High (time-consuming)	Low	Medium (requires customer contact)
Complexity	Very simple	From easy to complex	Medium
Suitable for	Students, free time individuals	Investors	Entrepreneurs

Popular Money-Making Apps in Vietnam

Stock trading apps

These platforms allow you to buy and sell shares of Vietnamese or international companies. The order matching process is quick, with competitive transaction fees. These apps often offer leverage (leverage) to amplify profits, but also increase risks.

Investment fund apps

If you lack experience, you can entrust assets to investment funds. Financial experts will manage your portfolio on your behalf, and you receive a share of profits when the fund generates revenue. This model is safer but offers lower yields than self-investment.

E-commerce platforms

Vietnamese e-commerce platforms currently provide easy-to-use sales management tools, often with promotional policies to attract customers. You can use multiple platforms simultaneously to increase potential customer reach.

Service and cashback apps

Service apps (ride-hailing, food delivery…) often run cashback or reward programs when you complete a certain number of uses. For example, completing 5 trips can earn you 20,000-50,000 VND.

Important Notes When Using Money-Making Apps

The online earning market is rapidly developing but also contains many risks. Some bad actors exploit these platforms to scam or install viruses.

Common scams include:

Fake unlicensed investment apps that require deposits and then disappear
Task apps containing viruses aimed at stealing personal information
Unrealistic profit promises (e.g., 100%/month)

How to protect yourself:

Only use apps with high ratings on app stores (at least 4 stars)
Check if the provider is licensed by regulatory authorities (such as the Vietnam Securities Commission)
Read user reviews carefully beforehand
Do not share personal information or bank account details
Be cautious of promises of very high and quick income

Conclusion

Making money on your phone is no longer difficult. Depending on your needs and situation, you can choose to do task-based earning for extra pocket money, invest financially to create passive income streams, or start an online business if you want long-term development.

However, regardless of the model chosen, always stay vigilant and research thoroughly before installing any app. Equipping yourself with knowledge about scams and how to identify reputable apps will help you avoid unnecessary risks.

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