Second, sort out the funds in your hands, calculate your risk tolerance and liquidity demand, and choose the appropriate wealth management products accordingly.

The third point is to cultivate the habit of financial management, that is, to make a proportion of your own expenses and learn to master your own capital outflow and outflow direction. This is more important than your investment in college.

Finally, investing in yourself is the most rational investment. College time is precious. Investing in your ability and vision will pay off exponentially in the future.

Qian Shengqian, investment is to increase your wealth. As a beneficiary who has learned the basic knowledge of financial management, I want to share my financial management experience.

Investment is a long-term process, haste makes waste. There are many wealth management products on the market, such as bank savings, funds and stocks. As a financial novice, I think index funds and Yu 'ebao are better investment tools to make money within my knowledge.

1, control consumption and form the habit of bookkeeping.

To make money, you must first have the principal. For college students, controlling consumption is an important way to continuously increase the principal.

There are already thousands of spare money. Congratulations. By controlling consumption, the principal available for investment will continue to increase.

2. Buy online courses or books to invest in yourself.

Thousands of dollars can be used to buy wealth management products, and the income can be lower.

Interested in investment, you can buy online courses and books to learn about financial management.

A person's investment ability is related to his cognitive level. Improving his cognitive level will also improve his investment level.

Earn money within your own knowledge and ability. If you don't understand financial products, don't touch them rashly. Study before investing.

There is a lot of free time in college to invest in yourself. Reading and fitness are things worthy of long-term persistence and will benefit you for life.

3. Fixed investment index fund

Buffett said: "Index fund is the most suitable financial management method for ordinary people".

If you buy regularly and invest for a long time, you will get good returns.

There are thousands of extra money in hand every month, and you can buy index funds in a fixed amount.

Of course, index funds, as a kind of wealth management products, also have the risk of loss. The operating level of fund management companies and market factors will affect the income. Before investing, you still need to know and learn to choose index funds. If you don't understand, learn first and then invest.

4. Yu 'ebao

At present, the annualized income of Yu 'ebao is 2%~3%.

It is interesting and flexible, and it is very good as a financial management tool that can be used at any time.

I'm glad to answer your question. Universities can consciously prepare for financial investment, which is already an excellent minority. But in my personal opinion, college study is important, and there is no need to pursue high-yield investment.

Rational consumption does not compete with competition, and it has developed the habit of keeping accounts and saving money, which has outperformed at least half of its peers. Investment is lifelong learning, haste makes waste. After reading the trip to Wan Li Road in thousands of books, and improving your comprehensive strength, you will naturally know how to make Qian Shengqian realize wealth appreciation.