Understand wealth management products, transaction rules, transaction costs and payment methods. Common wealth management products include bank deposits, funds and stocks. For example, the trading rules of funds are: trading time is 9: 30- 1 1: 30, 13: 00- 15: 00. Fund transaction costs mainly include subscription fees, redemption fees and operating fees.

2. Microfinance

Because college students have no financial resources, they have less disposable funds. The investment threshold of microfinance is low, the required investment amount is small, and microfinance products are safer and less risky, which is a good financial management method for college students with less risk tolerance. Such as money funds, banks and so on.

3. Fixed investment of the fund

The fixed investment of the fund is to invest a certain amount of money every week or month. For example, you can invest in 200 yuan every month, so that college students will not be under pressure, which is equivalent to compulsory storage of 200 yuan every month, and you can still make a profit. Moreover, the fixed investment of the fund amortizes the investment cost and reduces the investment risk.

4. Bank savings

Going to the bank to save money is a relatively basic way to manage money. College students can open a bank account and deposit their living expenses into the account. The operation of bank savings is very convenient, just open the internet to manage money. Bank savings funds have high security and low investment risk.

5. Rational planning of funds

Because college students have no financial resources, they need to plan their own funds reasonably before financing, such as planning which part is used for investment and financing and which part is used for daily consumption. Reasonable consumption expenditure, reasonable investment and financial management.

6. Choose the right financial products.

Before that, determine your self-awareness and judge your investment preference, whether you want high returns and high risks or a steady capital preservation. If you want to get high returns, you can invest in stocks or stock funds; If you want to keep the funds stable, you can invest in funds and bonds.

7. Monetary Fund

Common money fund investments include Yu 'ebao and WeChat Bitcom, and you can invest as long as you have relevant real-name accounts. Moreover, the risk of money fund is small, the expected income is stable, the income is higher than the bank demand, and the most important thing is that it has strong liquidity and can spend money while managing money, which is most suitable for college students.