"Fixed investment fund" is a long-term investment method, which stipulates the time and amount of monthly deduction, and the bank automatically completes the deduction and fund subscription from the designated fund account on the agreed date every month. For most students who have no time to study the market, "fixed investment" can be said to be a time-saving and labor-saving investment method. Professional statistics show that as long as the investment exceeds 10 years, the probability of loss of "fixed fund investment" is almost zero. Moreover, compared with investing in stocks or buying funds at one time, this way of "deducting money to buy funds every month" can unconsciously save a fixed sum of money, so that students can find that there are still many savings after three to five years.

2. Invest according to risk tolerance.

Students with certain savings but conservative investment ideas can choose to invest in monetary funds, with stable expected rate of return and higher liquidity and security. If you are familiar with stocks or funds and have strong risk tolerance, you can try to invest in stocks or funds with a small amount of money, but don't be greedy for high returns and ignore risks.

3. Learn to save compulsorily.

For college students who lack financial experience, compulsory savings is the most effective way to manage money. It can help people who love spending money to get rid of bad consumption habits, and at the same time, they can accumulate a considerable sum of money.

4. Financial planning should catch up early.

The purpose of financial management is to achieve the balance between future expenditure and income through various investment operations, so it is particularly important to make financial planning for yourself in the next five years, ten years or even beyond during college. It is suggested that students who do not have any financial habits can set their own financial goals by consulting banking professionals and create a better future for themselves by using a variety of financial products.

5. Make good use of your credit card

China Construction Bank has launched a multi-functional credit card for college students, such as the prestigious school card, which has the characteristics of spending first and then repaying, and can also enjoy an interest-free period of up to 50 days. At the same time, credit card is also a double-edged sword. If used well, you can not only fully enjoy the convenience of consumption brought by credit cards, but also establish your own good credit record. On the contrary, if you don't use it well, you may fall into the nightmare of circulating interest, and in serious cases, your credit will be stained with bad records. Therefore, we should avoid blind consumption, compare consumption and develop the good habit of rational consumption.