College students' income mainly comes from their parents, so their monthly income is limited. University is mainly about study, and part-time jobs are seldom. Therefore, learning to manage money and make money will neither affect your studies nor your life. We can kill two birds with one stone. Let's take Alipay as an example. First of all, we open Alipay APP, find the wealth page and click on the fund, then we can buy the fund. There are many funds in it, and different funds compare different risks and benefits.
Monetary funds have low risks, low returns and high flexibility. You can deposit your monthly living expenses in Alipay's balance treasure. Yu 'ebao is also a monetary fund, which can be deposited and withdrawn at any time. Basically, you won't lose money, but you will earn money every day, but it is only about 2%, but it is much more than the demand of the bank. What banks need is only bond funds, which are also low-risk and low-yield. However, it is not as convenient as the money fund in flexibility and cannot be taken out at any time. It takes time to get it out, usually one day. If it meets Saturday and Sunday, it will be postponed, but the income is higher than that of the money fund, generally between 3% and 5%.
Hybrid funds and money funds are generally high-risk and high-yield. If you are a student, you may not save much money every month. It is not difficult to deposit 100 yuan every month. You can choose a few favorite funds and invest 100 yuan every month. In this way, the fixed investment of the fund can spread the risk and the income is not bad. Although the risk is a bit big, if you hold it for a long time, the income should be considerable.