Detailed Guide to Popular Financial Investment Channels and Effective Applications for New Investors in Vietnam

In recent years, the financial management habits of Vietnamese people have undergone significant changes, shifting from traditional methods to digital platforms. Financial investment apps and online trading platforms have become the top choices for those looking to optimize their idle funds. This article will summarize the popular investment channels today and reputable stock investment applications that you can use right on your phone.

Key Financial Investment Methods Today

1. Savings Accounts - Basic Safe Platform

Saving deposits are still considered a fundamental investment channel, with most personal finance management experts recommending allocating about 20% - 50% of your reserve fund to this area. In 2025, deposit interest rates at Vietnamese banks range from approximately 1.7% to 9% per year, depending on the term and promotional programs of each credit institution.

This method is suitable for conservative investors who prioritize capital safety over high returns. Although the yields may be lower than other channels, it provides stability and effective capital protection.

2. Gold Investment - Store of Value Tool

Gold is a traditional long-term asset, helping you protect the purchasing power of money against inflation pressures. Over the past five years, global spot gold prices have increased from around $1,000 per ounce to nearly $2,000 per ounce, reflecting its capital preservation value.

Gold is a suitable choice when you have larger capital and want to hold an asset with the potential for strong appreciation during unstable economic periods.

3. Stock Trading - Rapid Growth Channel

The Vietnamese stock market has experienced a boom in the number of individual investors. According to the Vietnam Securities Depository, 2020 recorded the highest number of investors in two decades. There are two main strategies in this field:

Short-term trading: Based on technical chart analysis, investors seek profit opportunities from daily or weekly price fluctuations.

Long-term investing: Choosing companies with solid business foundations and growth prospects to buy and hold. Some high-performing stocks include VCB (+64.48% in 2 years), VIC (+47.57% in 2 years), HPG (+39.76% in 2 years).

4. Managed Investment Funds - Effective Passive Path

For those who do not want to spend much time researching the market, investing in asset management funds is a reasonable solution. These funds pool capital from many individual investors and are managed by professional fund managers, allocating into stocks, bonds, and commodities. The main advantage is that you don’t need to understand the market yourself, but you still bear the risk if the fund’s performance does not meet expectations.

5. Derivative Instruments - High Profit Opportunities with Corresponding Risks

CFD ( contracts are developed tools for investors willing to accept high risks. Derivative products allow trading on underlying assets such as gold, silver, stocks, and cryptocurrencies, with profits and losses calculated based on price fluctuations.

This method requires investors to regularly update economic news and understand the calculation mechanisms. Although high risk, the return rates can also be extremely attractive.

Reputable Financial Investment Apps for Modern Investors

With technological advancements, you can now manage your entire investment activity through smartphone applications.

) Main Types of Apps

CFD and Forex trading apps: Allow trading on Bitcoin, Ethereum, gold, crude oil, stock indices, and currencies. Usually based on MT4 or MT5 platforms.

Banking apps: Support online savings, money transfers, and real-time exchange rate tracking.

Domestic stock trading apps: Connect directly to Vietnam’s stock exchanges, enabling trading of VN30, VN-Index, and individual stocks.

Investment fund apps: Allow investing in diversified asset management funds.

Widely Used Reputable Stock Investment Apps

VPS Smart Pro is a prominent stock trading app from VPS Securities, one of the leading market share firms in Vietnam. This app provides convenient trading for indices like VN-Index, VN30, and individual stocks on the domestic market.

Vietcombank App from one of Vietnam’s top banks, allows online savings with competitive interest rates, along with real-time stock price updates to support investment decisions.

Prudential PRUOnline is an app from the renowned insurance and financial investment company, offering insurance-investment linkage services and direct fund exchange management on the platform.

Bitcoin and Ethereum - Notable Digital Assets

The cryptocurrency market is currently experiencing significant fluctuations. According to recent data:

• Bitcoin ###BTC(: Trading at $88.74K, up 1.37% in the past 24 hours
• Ethereum )ETH(: Priced at $2.97K, up 1.55% in the past 24 hours

These top two cryptocurrencies are still considered potential assets for investors seeking profit opportunities from price volatility.

Rational Investment Strategies for Beginners

Currently, with bank deposit interest rates at only 4.5% - 5.5% annually, exploring other investment channels to optimize returns is more necessary than ever.

For conservative investors: Allocate 50% to savings accounts, 30% to gold, and 20% to safe investment funds.

For balanced investors: Divide 30% into savings, 25% into gold, 30% into long-term stocks, and 15% into more flexible tools.

For active investors: Focus on short-term stocks, cryptocurrencies, and derivatives, but still keep 20% in safe savings to handle unexpected events.

In recent months, assets like Bitcoin and Ethereum have shown strong volatility, creating attractive trading opportunities for experienced investors.

Conclusion

Financial investment is no longer exclusive to those with enormous capital. With modern applications and suitable strategies, even new investors with small funds can start building their personal wealth journey.

Whether you choose a safe path with savings or seek more challenge through stocks and cryptocurrencies, having a clear investment plan and using reputable stock trading apps will help you manage your finances more effectively. The key to success is patience, continuous learning, and adjusting your strategy according to market conditions.