Tang Wenyi. Should college students use their living expenses to buy funds [EB/OL]. (2021-06-30) https://mp.weixin.qq.

Tang Wenyi. Should college students use their living expenses to buy funds [EB/OL]. (2021-06-30)

https://mp.weixin.qq.com/s/XpgIchV1s4IWhSxS6UN9_w

Keywords: College students; living expenses; buy funds (advantages; premises; prelude; goal; results)

Draw Need: As a "quasi-adult", college students need to improve their wealth literacy and abilities. College students should not simply evaluate the "default" when buying funds with living expenses, but should specifically analyze the educational value contained. The main advantages of college students participating in financial management are "having companions", "having desires", "having learning ability" and "convenient to seek guidance". However, the premise of financial management is to have passionate consumption self-control and brainless financial self-control, so as to achieve "leisure money can be managed" and "reasonable and rational". Specifically in the financial management process, first of all, we need to learn financial knowledge, establish risk awareness, and strengthen "knowledge arming" to achieve precautions; secondly, we need to set reasonable goals and pay more attention to receiving practical education on "financial literacy" under guidance, rather than short-term actual profits. Finally, there is Yuena financial management results, seeing the value of verifying the risk tolerance threshold, even if you lose money, you can exercise and improve your consulting ability and stop loss ability.

1. The advantage is that you have companions, desires, and learning abilities, and seek guidance.

Investment boom has entered the campus. Not long ago, the "informal talks" raised a question - Should students in school use their living expenses to buy funds? Some people think that "investment during college is a good thing, and failure will not lead to too much loss", while others think that "it is already difficult for young people, so it is better to spend money on things that make themselves happy." I think whether you should buy a fund depends more on whether the individual can do the following:

2. The premise is to have passionate consumption self-control and brainless financial self-control

Facing the current reality of extremely strong material consumption, self-control is particularly important. Don’t follow the crowd. When you see that your classmates may make a big profit because of buying funds, you must be able to analyze objectively and rationally. You should have your own values ​​and consumption concepts, rather than blindly following the trend and buying funds without understanding. Indeed, buying a fund is less risky than buying a stock, and the return rate is not low, but you must also be wary of the disadvantages it brings.

3. The prelude is to learn financial knowledge to establish risk awareness and be prepared for any accidents

If you really have a lot of spare money in your hands and have been mentally prepared for possible losses, and after calmly thinking, you still want to try fund financial management methods, you should actively learn financial management professional knowledge and enhance financial analysis and processing capabilities. At present, Internet technology is changing with each passing day. Many fund financial products rely on large online platforms to capture the hearts of many college students. However, due to knowledge defects and insufficient financial management capabilities, many students find it difficult to conduct Internet financial management smoothly and in-depth. As a result, most students have become blind wandering, and simply follow the Internet orientation and even have some "routine orientations" and are deceived. Based on this, our current college students must strengthen their exploration and learning of relevant financial management professional knowledge, strive to master the basic concepts, and can also conduct investment in risk preference tests in major financial institutions or platforms, choose funds that suit them for investment, and avoid blindly following the trend of market economy , avoid becoming a victim of capital.

4. The goal is to receive guided practical education on "financial commerce" rather than short-term profit

Change your thinking and regard the development of investment and financial management business as a model of practical training, rather than simply to "get rich". This can avoid to a certain extent the failure of investment and make bad choices without accepting the blow. In addition, it is particularly important that college students must not blindly manage financial investment without hiding their elders. Family or people around them may have more or less experience in investment and financial management. Through communication with them, we can obtain certain investment and financial management knowledge, which has a positive impact on our investment and financial management.

5. The result is to verify the risk tolerance threshold and improve the consulting and stop loss ability

Before investing, you must objectively and reasonably evaluate your own risk tolerance. Investment and financial management must match your own risk tolerance. Do not choose campus loans to conceal this information after the investment fails, otherwise the consequences will be bigger and bigger like a snowball, which will eventually lead to irreversible regrets.

In summary, "School students should use their living expenses to buy funds?" Obviously, it cannot be generalized. Different individuals should make their own choices based on actual conditions.