Every step of a person's life needs money to go out, and all self-investment needs money blessing. That is the reality. If we can learn how to manage money and know how to plan first, we can make money valuable and give Qian Shengqian more opportunities to enrich its wings.

Financial management is an indispensable skill in today's society, and the earlier you start, the greater the benefit.

You should know what you want to learn, what you want to learn, and what you can learn, which will bring the greatest and longest benefits. As for other people's suggestions ... The times are changing rapidly, and it is no longer the time to "listen to people to advise you to eat enough". You belong to yourself first and have your own ideas.

1. Limited funds make it difficult to obtain high returns. Assuming that 1000 yuan is invested in the well-known Yu 'ebao, the annual income of/kloc-0 is about 375 yuan. Usually, the annual rate of return above 6% in the market will bear certain risks. Suppose you choose 10000 yuan to invest in wealth management products with an annual return of 6%, and the annual return of 1 happens to be 600 yuan. Therefore, it is difficult to obtain stable high returns with limited funds.

2. Without a stable source of income, it is not suitable for taking high risks. Because college students usually have no stable source of income (part-time job is temporary), it is not easy to accumulate quantitative funds by themselves. If you invest in high-risk wealth management products to get high returns, it will not be worth the candle. For example, if you invest 6,543,800 yuan in the stock market to buy stocks, you can still get income under smooth conditions. However, once there is a stock limit quilt cover, you can't sell it because there is no follow-up funds to cover the position and reduce the cost. It is very passive and powerless to wait passively for the stock to rise to the position of quilt cover again.

3. Self-investment is the best way to make a lifetime profit. I think self-improvement investment is the best way to invest. Compared with other investment methods that need to quantify the start-up capital and take risks, self-investment is a unprofitable, risk-free and lifelong income. For example, college students A and B who have entered the society at the same time, suppose A finds an ordinary job with a monthly salary of 4,000 yuan (for a simple example), while B finds a job with a monthly salary of 6,000 yuan because they have more skills and abilities than A ... and then B earns 2,000 yuan more than A every month. Under the condition of the same work 1 year, the extra income is 24 thousand yuan. With the annual market return of 6%, how much capital does A need to invest to achieve an annual return of 24,000 yuan? I'm afraid it will cost 400 thousand and the investment will be smooth to be equal to B's salary level. In contrast, B can get an annualized rate of return of 6% which is 400,000 yuan higher than A without taking any risks. Are there any unprofitable wealth management products on the market? What's more, B can invest the extra 24,000 yuan in financial management, so the gap between A and B will only get bigger and bigger.

Therefore, by measuring the above factors, I think that self-investment is the best way to be unprofitable and benefit for life. It is the most realistic problem for college students to find a high and stable income source. As for financial management, you can choose a wider range when your income is stable.

This problem is not because of lack of money, but because college students have strong plasticity and great potential and space for future development. Maybe he will improve his other abilities in the future, such as starting a business and starting a company. Who can say that he is not the next Ma Yun, the next Li Ka-shing and the next Ma Hua Teng? Therefore, at the age when students are studying, they should focus on reading and learning, and learning is also an investment in themselves.

Secondly, financial management does not simply mean buying financial products, funds, stocks and futures in a narrow sense, but also includes life planning, straightening out one's financial situation and making ends meet. Therefore, it is suggested that he learn to invest in himself, including learning financial knowledge, learning the skills of stock trading, futures speculation and fund speculation, as well as financial planning and management. Because a person wants to manage money, it is impossible to spend money on wealth management products on impulse, but after some study, the decision made may be correct.

The last few thousand dollars are really not enough, so we can only choose one or two funds to vote. Maybe you will call me a liar when I say I want to make a fixed investment, but when I was studying to be a fund, because I was at work, I didn't have time to look at the market and buy and sell, and it was very troublesome to choose a fund, so I chose a fund to make a fixed investment in Alipay and bought two funds at a time. Fixed investment fund made money, bought two at a time, one made money and the other lost money. Therefore, I think it's good to make a fixed investment, so I can spend less time on management, dilute the timing risk and hold it for a long time.

Later, for personal reasons, I became a professional fund. At this time, I really feel tired of being a fund, because if I want to make money, I must learn to choose fund companies, fund managers and fund products. To tell the truth, I have worked full-time for three years and just found my own way.

So I really think it's best for college students to give priority to their own employees during their school days. They can make use of the advantages of university libraries and financial courses to arm themselves first. When I graduate, I have a stable job and a richer knowledge of investment and financial management. Isn't it good to come back for full-time financial management?

If college students have thousands of dollars, they can spend one or two thousand dollars to buy funds, and the rest of the money should be used to invest in themselves.

Buying wealth management now is mainly to accumulate experience when you have money to work in the future.

And investing in yourself is to live better in the future.

This is a kind, caring and practical word, which can also be understood as a piece of advice. It should be a respectable elder who said this!

College students' learning tasks are relatively heavy, and their main energy and focus should be on learning. Only when you finish your studies can you graduate smoothly. Of course, they also have spare time and pocket money.

A college student, with thousands of spare money at hand, is already superior in my understanding. Using this money to manage money is just to find a "financial awareness", which has little effect, that is, it has little effect.

However, if you take these thousands of dollars, buy some books, buy a computer, or visit the city, that is, look for fashion (such as buying clothes) and chase hot spots, such as "doing self-media", it is very practical and meaningful!

College life is a good opportunity to cultivate yourself. It is very important to enrich yourself and be happy, which may affect your life. This point should be understood and needs clarification.

So I think it is a good word, which should attract the attention of college students. Of course, if you are already rich and well arranged, it is ok to use these thousands of dollars for financial management.

It is necessary to manage money and invest in yourself, depending on what you need most at present.

Now with the development of information technology, people's financial management concept is getting stronger and stronger. After all, financial freedom is amazing.

When you think about managing money, you should be bold and cautious! I believe that the people who advise you just think that you need to invest in yourself to be more competitive, and they all mean well. However, in fact, only you know what you want most.

There is no conflict between the two. You can improve yourself slowly, and it takes time to learn and accumulate experience in investment and financial management. It's good to have such a good idea during college. I believe you will realize yourself on this road of life.

I hope my answer is helpful to you.

Answer the question. How do you think college students want to spend thousands of dollars on investment and financial management?

I think it is ok to invest in this matter, regardless of age, and exercise yourself in college.

When we were young, we all learned a Chinese text called "Pony Crossing the River". You need to go your own way and not be influenced by others!

I have no objection to college students putting learning first. Learn the knowledge of investment and financial management, and you can learn it in your spare time. It won't take long.

Both education and investment should be paid attention to.

Direct dry goods: how to choose a good fund quickly and simply?

1 Choose a large-scale fund company with strong investment and research capabilities.

Give priority to those with ratings, and then choose fund companies with higher levels in the same category.

Give priority to the last five years, the last three years and the last two years. Ranked in the top 20% last year.

4 choose the one with low rate.

5 choose a fund company that has been established for a long time.

People should do their own positioning first, and then have a long-term goal. Although they are not opposed to college students' financial management, you must do your main things well before you can do other things. The orientation of college students should be to enrich themselves through learning, putting learning first and exercise second. If you have a good idea, you can practice it and apply what you have learned. I also agree with college students' financial management, so that they can better integrate into society in the future. But you must be clear about your position.