when her child was eighteen and admitted to university, the mother gave a huge sum of money: 15, yuan.

This sum of money is undoubtedly quite a lot for a student who has just entered the university. I don't know how to digest this huge sum.

Of course, this huge sum of money is not for you to spend casually, but for you to learn how to choose your future path.

investment or start-up funds for business?

whether you are investing or doing business, there is a premise that you don't touch what you don't understand.

many college students will consider this way in school to start their own businesses and make start-up funds.

but the prerequisite is that they have already understood the market demand in the school. For you who have just entered the university, it will take some time to explore.

Therefore, it is better to think carefully before starting a business.

the rest of the way is to invest first.

generally speaking, an investment goal needs to be established first. What kind of income do you need to achieve in your future investment?

1. Divide the funds into four accounts.

Being admitted to university indicates that you will leave your parents, your family and start living independently. You can think of yourself as an independent individual, or an independent family to run your own life. Therefore, you need to arrange everything in your life in great detail.

Divide the existing funds into four accounts, so that you can take into account all your daily expenses, security and investment returns. When you graduate from college for four years, loOK back. Is it ok to diversify your investment four years ago?

2. deposit AliPay for living expenses.

College students' monthly living expenses are 2, yuan, so you can set aside 6-12 months' living expenses. Generally speaking, you can put 15, yuan into Alipay.

AliPay is actually a money fund, and its usual income is only 2%-3%, not to gain income, but because the balance treasure deposited in Alipay is very flexible and convenient to use, but it is only a little wool.

AliPay can generally store 6-12 months' living expenses, accounting for 1% of the total amount of funds, so you can stop worrying about your life.

There is another trick. In order to control the excess consumption, you can divide this part of the funds into two pieces. 2, yuan can be deposited in Alipay to ensure the living expenses, and the rest can be put in WeChat. In WeChat's wealth management, there are also some money funds that can be purchased.

why do you need to say this? It is because the money fund in WeChat's wealth management link cannot be directly consumed, and it needs to be transferred from the wealth management link to the wallet balance before it can be consumed. Unlike the balance treasure in Alipay, it can be directly used for consumption.

don't underestimate this step of going too far, which can often control part of the consumption desire.

3. Buy yourself an insurance policy.

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As young people, many people will be glad that accidents in insurance stories and such things may not happen to themselves. In terms of probability, it is true that there will not be too many risks, but no one knows which will come first, accident or tomorrow.

Therefore, as an adult, you can provide yourself with an insurance policy, the amount is not too large, but you can have enough coverage.

this is responsible for yourself and your family, and it is also a mature performance.

Young people can be equipped with accident insurance, medical insurance and medical insurance. If young people buy it, the cost will be lower, but the insurance amount can be enough.

medical insurance is the reimbursement that can be given within the insured amount after social security reimbursement, that is, you need to pay the medical expenses first, and then reimburse the rest.

It is suggested that you can spend 2.5% every year to buy consumer insurance. If it takes four years, it will cost about 1%.

4. Open a stock account and bind your own bank card

Why do you say that? College students also need to attend classes and participate in community activities at ordinary times, and the time is quite tight and there are many courses. At this time, if a stock software is installed on the mobile phone, it is very convenient to buy and sell trading funds and stocks.

on this trading software, you can take out 4% of the funds for fund investment. If the investment pursues high returns, you can buy stock index funds that also need to bear high risks.

However, because China's stock market is short of bears, this part of the investment, if possible, will last for 3-5 years, but it is not a one-time investment, but when the price is lower than the value, we choose to make a fixed investment every month. The time can be extended as much as possible, and finally it can reach 4% of the total amount.

In addition, you need to learn some investment strategies, so that you can get higher returns. According to the previous investment data, normal investment in stock index funds can earn an average of 9%-15% per year in the long run.

5. The rest can pursue stable income

It is suggested that this part of the funds can account for about 4% of the total funds. There are three options here:

1) You can invest in bond funds.

Bond funds and interest rates are in reverse. The higher the interest rate, the lower the debt base. The lower the interest rate, the higher the debt base. The average annual income of debt base is between 5% and 6%.

2) It can also be invested in the bank's wealth management products. The bank's wealth management products have a three-year term, and the general income is between 4% and 5%. The only drawback is that they are equivalent to fixed deposits and cannot be taken out in the middle.

3) At present, banks also have daily earnings similar to money funds, and the earnings will be settled every day. At the same time, the earnings will be reinvested. This kind of wealth management products can be withdrawn at any time on working days and received in the account on the same day. General income fluctuates between 3% and 4%.

why do you recommend the third option? Because the subject has mentioned that during my college years, I may learn baking, which may involve expenses. If I manage this bank, I can take it out at any time and use it without affecting the income of other investment parts.

The above briefly summarizes some practices on investment classification. But before making a formal investment, I still suggest that you learn something about financial management first.

again: don't touch what you don't understand.

Before learning to invest, you can put your money on the bank card, do a basic financial management first, and then start investing after the system has learned the financial management knowledge.

above, I hope I can help you!