Investment channels for students and top choices to help young people create passive income while still in school.
1. Stock investment - long-term profitable investment channel
What are securities?
Stocks are one of the profitable investment channels The most popular today, especially suitable for students because it does not require a large amount of capital to start. You can participate in investing by buying shares of listed companies on the stock exchange to benefit from the increase in stock prices or receive annual dividends.
Benefits of investing in stocks
Investing in stocks not only helps you generate long-term profits, but also brings many other benefits such as:
Small capital, easy to access
- With only 100,000 - 500,000 VND, you can buy stocks on the exchange.
- Suitable for students because it does not require large capital like real estate or business.
High liquidity
- Stocks can be easily bought and sold on the exchange, giving you flexibility in your investments.
- If you need money urgently, you can sell stocks within T+2 (ie after 2 trading days).
Long term profit, attractive return
- According to statistics, the Vietnamese stock market has an average growth rate of 12-15%/year.
- Some blue-chip stocks such as VNM, MWG, FPT have increased 5-10 times in the past 10 years.
Forms of stock investment suitable for students
There are many ways to participate in the stock market, below are methods suitable for students:
Long-term strategic investment (Value Investing)
- Choose to buy stocks of large, stable growing businesses.
- Hold for 3-5 years to benefit from stock appreciation and dividends.
For example: If you invest 10 million VND in FPT in 2018, by 2024 your assets may have increased to nearly 50 million VND.
Short-term trading (Trading – Market surfing)
- Buying and selling stocks based on price movements over a short period of time (weeks or months).
- Requires experience in technical analysis, reading price charts, and following market news.
- Suitable for students who have time to monitor the market daily.
Investing through fund certificates (ETF & Open-end Fund)
- If you don't have much time and experience, invest in ETF certificates.
- Investment funds will buy and sell stocks for you, helping to reduce risk.
- Some reputable funds such as VN30 ETF, VFMVF4, DCVFM VNDiamond.
How students start investing in stocks
- Open a free securities account on platforms such as VPS, SSI, VNDIRECT.
- Learn how to analyze stocks, read financial reports to make sound decisions.
- Long term investment in stocks of large, potential businesses.
No matter how you choose to invest, stocks are one of the investments for students the most potential, giving you the opportunity to make a stable profit when starting early.
2. Investing in savings funds – a safe choice for beginners
If you are not ready to invest directly in stocks, a safer option is mutual funds or open-end funds which are one of the Investment channels for students safer. This is an indirect form of investment, helping you have stable profits without worrying about market fluctuations.
What is an accumulation fund?
Accumulated fund, also known as open-end investment fund, personal financial fund, is a form of passive investment that helps investors earn profits through contributing capital to a diversified portfolio of financial assets (stocks, bonds, bank deposits, real estate, etc.).
This fund is managed by professional fund management companies, helping investors not need to monitor the market every day but can still benefit from asset growth.
Nowadays, the accumulation fund is one of the ways to invest for students Most popular because of its safety, stable profits and the ability to start with small capital.
Why choose a savings fund?
No need to worry about market fluctuations
This is where asset values can fluctuate strongly on a daily basis, and accumulation funds often have low fluctuations, helping investors to be less psychologically pressured and avoid the risk of loss due to short-term fluctuations.
More attractive profits than saving at the bank
Compared to bank savings, where the average interest rate ranges from 4-6%/year, an accumulation fund can bring in profits from 7-12%/year, depending on the type of fund.
Extremely low initial investment – suitable for students
One of the biggest advantages of an accumulation fund is the ability to invest with very small capital. With only 50,000 - 100,000 VND, you can start investing in a reputable open-end fund in Vietnam.
Managed by experts – no investment experience required
One of the biggest barriers for students when it comes to investing is their lack of financial experience. If you don’t have any knowledge of the market, investing directly in stocks or crypto can cause you to lose money quickly.
The accumulation fund helps you take advantage of the experience of financial experts, because they will do for you:
- Market analysis.
- Choose an investment portfolio that suits your goals and financial capabilities.
- Manage portfolio to maximize profits.
Below are some reliable investment funds in Vietnam:
- VinaCapital Fund: Invests in stocks and bonds, average profit 9-12%/year.
- VNDirect SmartFund: Suitable for students, can start with 50,000 VND.
- Techcombank FlexiCash Fund: Invest in bank deposits with higher interest rates than savings deposits.
Accumulated fund is one of the Investment channels for young people safest and most accessible. For students without much financial experience, this is a reasonable choice to help optimize profits without spending too much time researching the market.
3. Crypto Investment – New Financial Trend
Cryptocurrency is one of the Profitable investment channels in Vietnam most popular today. This is a market with very high profit potential, but also comes with great risk.
However, before participating, you need to understand clearly Investment channels for students and consider whether Crypto is right for you.
Should Students Invest in Crypto?
If you have good knowledge and are risk tolerant, crypto can be one of the Investment channels for students attractive. However, only use a small portion of your capital (about 5-10%) to avoid the risk of losing everything.
Reputable trading platforms:
- Binance – The leading global cryptocurrency trading platform.
- Coinbase – Safe choice, ideal for beginners.
- Remitano – Exclusively for Vietnamese investors.
Start by investing in Bitcoin (BTC), Ethereum (ETH) instead of high risk coins.
Benefits of investing in crypto
- High Returns: Crypto can increase in price drastically in just a few months.
- Global: Can trade 24/7, no country restrictions.
- Good liquidity: Can be easily bought and sold on many exchanges.
- Decentralized: Not controlled by a bank or government organization.
Crypto is a new financial trend, bringing high profit opportunities but also many potential risks. For students, this is an attractive option but need to consider carefully before participating. If you want to try, start with Bitcoin, Ethereum, choose a reputable exchange, always put financial security first and can refer to more crypto investing for beginners
4. Investment Guide for Students
Investing early not only helps you earn more income but also helps you build financial thinking and practice spending discipline. Ways to invest for students The most popular today and detailed instructions to get you started right away.
Define financial goals
Before you start investing, you need to determine what your financial goals are: do you want to invest for long-term accumulation or make quick profits, do you accept high risks or want to invest safely and stably, and how much money you can spend on investing.
Students often have little capital, so they should prioritize low-risk and stable investment channels, such as stocks, savings funds or online business.
Risk management when investing
- Don't invest all your money: Only use 20-30% of your idle money for investment.
- Diversify your portfolio: Combine multiple channels to reduce risk.
- Don't follow the crowd: Do your research before investing in any field.
- Always learning & updating Market News Always changing, knowledge is the weapon that helps you invest more safely.
The article has been published Investment channels for students in detail. Start investing as a student to help you have a solid financial foundation in the future. Start with a small amount of capital, learn continuously and persevere to achieve success. If you want to learn more about investment knowledge, follow more information at HVA to update the latest information!
