College Students Emerge From Financial Group &Nbsp; Sophomores Make 110 Thousand Yuan Micro Private Placement.

Higher and higher

Zhou Jida, his classmate, chaired "mini private placement".

Zhou Jida, a sophomore in journalism major at Shanghai Institute of Physical Education, although he has just turned 20, he is already a small and qualified shareholder.

When he graduated from the college entrance examination in 2009, he threw his 20 thousand yuan old money into the University.

Ideas can not only rely on interest to maintain life.

Why is a journalism student so keen on finance? Zhou Ji Da told reporters in a rather sophisticated tone: "although inflation is raising interest rates on deposits, it is very difficult for our generation to maintain their lives by interest alone, and we must find ways to generate money."

With this thought, Zhou Jida regards financial theory and securities analysis books as his extracurricular readings. On weekends, he rode to Fudan to minor in finance.

In QQ group, he also discussed the stock market experience with the youngest members and those who had been in the stock market for many years and even uncle and uncle.

Like most students, Zhou Ji Da did not have much money.

With professional expertise, they usually do some wedding photography. They earn about 1000 yuan a month to maintain their daily expenses.

They put a small amount of money from the lucky money and living expenses into the stock market, hoping to take the first step of "money generating money".

Principles should not be neglected only.

On the day of stock speculation, Zhou Jida also saw some waves.

There was a time when the stock market was very good. He also increased investment and was beaten down. One set was three months. The most profitable day came to a daily limit of fifteen thousand yuan, but the joy did not last long, and the limit came again.

"At the beginning, there is always a psychological impact."

Zhou Jida said, "seeing a lot less income, it will be bad mood, very uncomfortable.

Later, I gradually realized that my goals were long lines, and those short-term gains were less valued.

After all, it's just the loss of books. Maintaining a good attitude is the most important thing.

The long line is also for academic consideration.

Every day after class, Zhou Ji Da will go to see the closing price. He reckons that he spends about half an hour on the stock market every day.

It takes a lot of energy to do short lines. Zhou Jida thinks that it is not the best choice for students.

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Oral agreement to maintain "private" cooperation

As a "fund manager", Zhou Jida was alone in the face of ups and downs.

Team members are only responsible for paying and collecting money. They usually do not care about the stock market.

In their eyes, there is no contradiction between this cooperative relationship maintained by oral agreement.

Because the relationship is iron enough, they give Zhou Ji Da full trust and decision-making power.

But Zhou Chadha admits that if more people are involved, it may be necessary to sign a written agreement.

"Part of the stock market is luck."

Zhou Jida said, "but what is more important is to learn and read more books."

The core member of the school's entrepreneurial society has been making meticulous preparations for his entrepreneurial dream.

And his ideal state is that he has 3 million capital on hand, of which 1 million are fried gold, 1 million 500 thousand are in the stock market, others are used as reserves.

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Financial novice favor fund fixed investment

A graduate student with a net name called "offer" posted his own financial situation on the Internet: four years of University, scholarships and work study grants plus savings in living expenses, about 10 thousand yuan deposit, and about 1800 yuan a month, including 1000 yuan for working income and 800 yuan for parents.

"Now that prices are rising too frightening, money can not help but spend in the bank and keep depreciating. Therefore, seek advice from a high person. Is there a suitable way of managing money for students like me?"

This post soon attracted the attention of netizens. Many college students replied to the echo, and some people said they were the master of the building. "Now I deposit about 10 thousand of the money. I have taken 3700 yuan to make the investment. Although I have invested hundreds of times, I only get dozens of losses, and I can make long-term investments."

It is not a minority of netizens who give the answer to the fund's fixed investment.

Since November, tens of thousands of investment and financial management teams have often emerged from university students.

The minimum monthly investment is only 100-200 yuan, the starting point is low, and the risk is relatively small. All these factors make the fund's fixed investment become a popular financial management style for many big students.

Not long ago, the financial manager of a Minsheng Bank on the new gate road ushered in two special young customers: Although the two female college students were very green with a strong intonation, two people were prepared to co invest, and each month they took out 500 yuan to make the fund's fixed investment.

"Such joint investment may not be very good, and there will be disputes later.

Besides, do you have psychological preparation for risk? "The financial manager did not initially agree with the way the two girls invested.

But the girls were very determined and soon got through the formalities.

They plan that such investments will last at least to the university graduating class.

"We must have a long-term investment plan to make the investment."

Experienced netizens advise financial novice in this way.

"If you insist, maybe one or two years after you graduate from University, you can save enough money to buy a house down payment!" {page_break}

Bankers' analysis

Fund investment is most suitable for college students.

It was a little surprised to hear that college students were also actively managing financial management. Zheng Weixian, a financial manager of the University of Guangda, was a little surprised.

"They have a very good sense of investment and financial management, which is not easy at this age."

Zheng Wei said.

According to Zheng Wei's analysis, under the premise of the bank's general financial products threshold is 50 thousand yuan, for the students with limited income, the fund's fixed investment is indeed one of the most ideal ways of managing money.

He believes that a healthy fixed investment is a good financial choice. It can not only force students to have the concept of saving, but also earn more money than banks.

And the risk of fixed investment is smaller than that of stock or individual investment. It is also easier for beginners.

Financial advisers from many banks have told reporters that if students make a fixed investment in the fund, it is suggested that they should be guided by professional financial officers, and they can choose one or two kinds. The starting point can also be relatively small.

Stocks should be controlled within 10%.

In addition to the fund's fixed investment, Zheng Wei believes that the interest rate of the seven day notice deposit is higher than the current deposit interest rate, and it does not need to put too much energy into operation. It is also suitable for college students.

Zheng Wei suggested that if a financial professional student with certain professional knowledge can buy some relatively high-risk varieties with 5%-10% of the funds, find the sense of market operation, and accumulate some experience to prevent risks.

Here, he stressed two points: first, to have professional knowledge, not to rely solely on one or two hearsay news; two, the amount of investment should not exceed 10% of all funds, especially those who get money from the work to manage their finances.

Netizens contend

Investing in stocks is better than investing in yourself.

Invest? Read more books.

The stock market is not where you stay. You can't earn a lot of money if you buy the fund. "

For college students investing in financial management, there are not a few voices against it.

Someone replied, "anything is better than throwing oneself.

Since potential stocks are long-term investments, they can not pursue short-term gains.

Or learn your lesson well, and enrich your professional knowledge.

It is also suggested that students should buy some good books and exercise cards at the student stage, so that they do not have to save money to eat and travel while traveling.

But most of the financial professionals support students' financial management, and some even believe that from junior high school, they should set up financial management classes to teach students to invest and manage their finances.

"It is wrong to think that learning finance is not doing business or getting into money.

In modern society, financial management is a necessary skill. "

A bank manager told reporters.