What are the financial products suitable for college students?

Dear landlord:

The bank has a wealth management product, the specific name is different for each bank, you can enter "wealth management product 7-day wealth management plan". The characteristics of this wealth management product are that it is suitable for people with capital flow, and there will be a certain income, and the highest return will be higher than the bank interest rate, note that this is the highest return. The bank's wealth management products are risky, although the advertisement will say the highest return, most people are also easy to be deceived by this word, but the wealth management products may have the lowest return, and may even lose money.

Your funding amount: RMB300; Where your money goes: Online shopping; Requirements: The interest rate should be greater than or equal to the deposit bank deposit rate.

This is not possible if you have to meet both online shopping and interest rate requirements. The annual interest rate of a debit card is, while the interest rate on a semi-annual bank fixed deposit is generally yes. If you deposit your money in the bank for a fixed term now, you will lose a lot of interest if you shop online during the period, because you are violating the term agreement signed by the bank with you.

My suggestion:

Take out RMB100-200 every month and deposit it in the bank for a fixed term; Or set up a ** regular investment account and set the amount. In this way, even if you want to shop online, you don't have idle funds to shop online, so as to achieve the purpose of forced savings. If you withdraw the money from your investment account or bank account, it will affect your account opening in the future, because you have violated the agreement between the company and you.

Good financial habits come from controlling your desire to spend, just like if you go shopping, if you only have RMB50 in your pocket, you will definitely not think of buying shoes or clothes; If you have RMB500 in your pocket, you're probably going to spend it all!

I hope the above answers can be helpful to you, and I wish you all the best in your studies and a happy life!

I suggest you save it.

1. Bank savings. Depositing money in the bank is the most basic way to manage money, and college students can open a savings account in the bank and deposit their monthly change into the bank's savings account. Moreover, at present, the bank savings operation is convenient, as long as the individual has opened online banking, you can open a savings account online for financial management.

2. Yu'e Bao financial management. In fact, Yu'e Bao wealth management is a kind of online financial management, as long as the individual has an Alipay account, you can deposit personal change into Yu'e Bao, Yu'e Bao now has an annualized income of about 4%, which is higher than the bank's income, and the security is also higher, suitable for college students with small funds.

3. WeChat financial management is based on a large foundation. WeChat wealth management is also a new way of financial management, which is a kind of financial management. WeChat wealth management can be directly entered in the WeChat interface, register an account, bind a personal bank card, and you can choose your favorite financial products on the WeChat wealth management platform.

4. P2P financial management. P2P financial management is a very popular financial management method now, P2P financial management can be operated directly online, which is convenient and fast, and has high returns. Most of the P2P financial management with a vertical number of keys has an annualized return of more than 14%, but when you choose a P2P financial platform, you must choose a P2P financial management platform with high security.

For example, the financing easy P2P investment product is very good, and now the novice registers to send 1198 yuan investment red envelopes, and also has multiple advantages such as low investment threshold, bank fund depository, and convenient cash withdrawal.

College students' funds are often scattered, small, and continuous, is there a financial product suitable for such financial management? **Wealth management network believes that the risk that college students can bear in financial management is small, and the amount is low, so the most suitable wealth management product for college students is the bank's fixed investment.

Bank** regular investment refers to the investment method in which investors deposit investment funds into their accounts on a monthly basis. That is to say, the bank invests a fixed amount of money (such as 500 yuan) in the account into a designated open-ended ** at a fixed time (such as the 8th of each month), similar to the bank's lump sum deposit and withdrawal method. The threshold set by the regular investment of bank funds is not high, and it does not bear high risks like credit and **, which is very suitable for the financial management appetite of college students.

Taking ICBC as an example, the minimum requirement for ICBC's ** regular investment is 200 yuan a month. The investment amount is graded by 100 RMB. ICBC has an investment period of 3 years, 5 years and 8 years for three ** regular investment varieties (corresponding to **regular investment varieties** and 961 respectively), and the transfer period is one month.

The convenience for college students is that college students can deposit the balance of each month's living into the bank account on a monthly basis, and it will be automatically transferred to ** in the fixed investment date, saving a lot of trouble.

What are the financial products suitable for college students:

1.Bank savings.

For those who lack investment experience, bank savings can be an effective way to manage their finances. It is very convenient to go directly to the bank to buy, and the risk is very low, which can help us to break bad spending habits and accumulate a considerable amount of money at the same time.

2.Yu'e Bao products.

The "babies" represented by Yu Yu Bao are essentially currencies, with low risk and high liquidity. Although the income before the eyes and empty Zen fell to less than 4%, the threshold is low and the liquidity is strong, which is very suitable for people who have just worked and financial novices.

3.**Regular Investment.

**Regular investment is to agree on the monthly deduction time and deduction amount, and the money will be automatically deducted from the designated account at that time for subscription**. **Regular investment is a long-term investment method, the monthly fixed investment amount can be as low as 100 yuan, for most students who do not have time to study the market, and do not have enough amount of money to invest, **regular investment is very suitable for choice.

Online loans. P2P online lending is a "person-to-person" lending and investment model, the investment threshold is usually 100 yuan to 1,000 yuan, and the investment income is generally about 7%-13%, which is more suitable for school students and young people who have just entered the spine society. However, P2P online lending platforms are not good or bad, and choosing a formal platform is crucial.

1. The first thing is Yu Bao, ** network is very familiar to college students, we shop and consume on ** every day. Can you make Jack Ma a little money? Of course not, but in 2013, Jack Ma launched the first online financial management tool, Yue Bao.

Yue Bao is a great financial magic weapon for college students. His annualized rate is about 6 percent, and to put it bluntly, it is a kind of **. There is some risk involved, but the risk is small.

Therefore, I recommend the college student Yue Bao to save money. But don't have too few villages. If it's too small, the profit won't be displayed.

So there is a risk but it is very small, what are the advantages of Wealth Management Connect? We will log in every day with the rest of the sedan WeChat, but we can't log in every day**. Therefore, you will check the daily income of financial management at any time.

3. When Yu Yu Bao and Wealth Management Pass come. Suning Tesco also followed suit and launched a change treasure. Coin purses are also a way for our college students to manage their finances, and coin purses are still a good choice.

Coin purses can be used to deposit, withdraw and transfer money anytime and anywhere, with no fees. So you can also change money.

4. Financial management is also a way. Wealth management, like most financial management methods, is also ** financial management. It is also possible for college students to manage their finances. Wealth management is launched. Therefore, the safety factor is also very high, and there is no need to worry about being deceived or anything.

5. Another way is for you to apply for a credit card. When you spend it yourself or someone else, what card do you go? Let someone give you cash, and then you will swipe your card, increase your credibility, and increase your points.

Take advantage of the interest-free time. Use the money you save to buy **. The reason is that the repayment date will be repaid again.

Isn't it money that makes money?

6. P2P online lending is also a good choice. P2P online lending is currently booming, with attractive returns, lower risks than ****, and there is no need to invest too much time to take care of it. However, you must be cautious when choosing a P2P online loan platform to invest, and choose a reliable P2P online loan platform like Rongyi Wealth Management for a small investment, so that you can get more considerable returns.

Hello, for the vast majority of college students, cultivating wealth thinking is more important than making financial investment, or the best investment for the vast majority of college students is to invest in their brains. The annualized rate of return of more than 15% is very high, and your principal is not much. And if you have stronger strength, maybe your income can increase geometrically after graduating from college, and this gap is very large.

There are financial products specifically for college students, but in the end, you still need to have a certain amount of experience, otherwise it is easy to fail.

Personally, I think it's suitable, can I try it slowly, and I don't think it's a mistake to learn.

For college students, the main purpose of school is to study hard, but generally when they go to college, some students give living expenses at home for one semester, and they have more money, so they will think about financial management to make money, so how can college students effectively manage their finances? What are the best financial management methods for college students? Relevant content has been prepared for your reference.

How can college students manage their finances effectively?

Effective financial management generally refers to the ability to make money, is effective, generally speaking, college students are not suitable for high-risk financial management, because the risk of high-risk financial management is relatively large, generally not suitable for college students, the income of college students is mainly given by their parents, so the ability to resist risks is relatively weak.

Generally, you can consider more pure debt**, pure debt** is 100% investment in bonds, the risk is relatively small, the income is relatively stable, the possibility of long-term holding to make money is relatively large, the possibility of loss is relatively small, when choosing, you can refer to the past income, try to choose the past income is better, although the past does not represent the future, but there will still be a certain reference.

What are the best financial management methods for college students?

If you feel that financial management is troublesome, the more suitable financial management method for college students is to put it in Yuebao, although the income of Yuebao is not high, but the advantage is that it can be withdrawn and deposited at any time, and can be used for daily life payment, and there will be income every day, basically do not have to worry about the loss, the possibility of loss is very small.