How did money breed money in 2016? The heavy gold price fluctuations in 2016 allowed gold investors to make a profit of 17 percent just within three months, while investments in V-30 securities brought profit of 26 percent.   Bank deposits, which brought the most modest profit, were still favored by many people who have idle money. The current ceiling deposit interest rate is 5.5 percent a month for less than six month terms. Though the lending interest rate is on the decrease, the deposit interest rate keeps relatively stable. By September 30, the average deposit interest rate had increased slightly by 0.4 percent if compared with the end of 2015. Most banks set the deposit interest rates at between 6.5 and 6.9 percent per annum. Only Bac A and PVCombank offer higher interest rates of 7.4-7.5 percent per annum. As the US dollar was stable throughout 2016 and it only appreciated in the last days of 2016, the investment in the dollar did not bring the expected high profit. By the end of 2016, the dollar price quoted by most commercial banks was at VND22,720-22,790 per dollar, up by 1.1-1.2 percent compared with the beginning of the year. Meanwhile, in the two years before, the increases were sharper, at 2.48 percent and 5.34 percent. The strongest gold price in four years appeared in June and July when the gold price reached its peak of VND39.8 million per tael. The record low level was established in February when SJC gold price quoted by Bao Tin Minh Chau was VND32.79 million.  The heavy gold price fluctuations in 2016 allowed gold investors to make a profit of 17 percent just within three months, while investments in V-30 securities brought profit of 26 percent. If investors bought gold in April, when the price was the lowest, and sold in early July, when the price was the highest, they made a profit of VND5.64 million per tael, a profitability of 17 percent. On December 31, 2016, SJC gold price quoted by Bao Tin Minh Chau at VND36.18 million per tael, up by 10.9 percent over the end of 2015. Investing in securities was a good decision for investors in 2016. The VN Index experienced ups and downs in the year, but the upward trend was the clearest tendency. Thanh Nien quoted a report of Maybank Kim Eng Securities as saying that the profit securities investors in 2016 could be up to 18-20 percent, if counting the 15 percent increase of the VN Index and the dividends paid by listed companies to their shareholders. Nguyen Thi Ngan Tuyen from Maybank Kim Eng Securities said that many investors have excluded gold out of their investment portfolios because of the high risks. It is not easy to make investment in securities, but the report about the attractive profit of securities investors in 2016 will encourage investors to try the investment channel. Thanh Mai, VNN