Li Jian, 2 1 year-old, is a sophomore in a university in Hunan. His parents are employees of ordinary enterprises, and the economic conditions at home are not very good. However, his living expenses are relatively high, about 2,000 yuan per month. Li Jian can get 600 yuan's income every month by working part-time at school.

According to Li Jian's own calculation, his monthly transportation fee is 100 yuan, his meals are around 700 yuan, and other miscellaneous expenses are increasing in 500 yuan, so he can leave around 1300 yuan every month. Li Jian consulted a financial planner and asked what to do if he wanted to manage money.

Financial planners suggest:

Time deposit: I open an account in the bank and deposit it in installments. As I am a sophomore now, I can deposit it for 2-3 years, and 500 yuan deposits it regularly every month, so I can get a lot after three years. Because the installment saving method has certain binding force, it is very suitable for college students, and it can limit consumption as much as possible and form the habit of compulsory saving.

Steady investment: the bank interest rate is not high and the stock risk is too high. Therefore, financial planners suggest choosing funds for investment. Since only 800 yuan is left every month, you can choose the way of fixed investment by the fund, so the risk will not be too great. General stock funds or partial stock funds are more appropriate.

Flexible operation: It is suggested to use the so-called 500 yuan miscellaneous fees as flexibly as possible. You can choose a baby wealth management product online, put the money in when you need it, and put it in when you don't use it to raise interest. Although it is less, it is better than nothing.

To sum up, college students' financial management is basically planning for their future career, so this financial management plan can last a little longer and should not be too risky. After all, their economic ability is limited and they can't take too much risks.