People who come up with this question (if it is normal)

basically don't want to know what you will do with this money

but why do you use this money to do these things

Then!

First of all, you need to analyze this person's financial situation and living conditions.

The financial situation is very simple. List the balance sheet and cash flow statement to see if the ratio of assets is reasonable.

The living conditions are the age of this person, and what are the short, medium and long-term financial goals.

For example, if this person is you, the classification is campus life.

I assume that you are 19 years old.

Sophomore important. (Of course, most of the education expenses are paid by your parents.)

College students can't get credit cards, and they don't have mortgage or car loan, so you don't have to pay off your debts.

You have no income source for the time being, but you need to find a job in three years.

Finding a job requires 1. Networking; 2, education, 3, certificate

These are the things you need to invest

1. Networking is the collision of hearts and minds of everyone together, and of course there must be occasions. Then a teahouse or a restaurant. Suppose you need to spend 4 yuan for one month, which is 4,8 yuan a year.

2. Education, your parents' expenses, of course, are still good if you are willing to pay. One academic year is 5, plus the dormitory fee is about 2, which is 21 in three academic years. Living expenses are not included

3. Certificates are a concern of many college students. Take an examination of CFA, FRM or other foreign registered certificates, and the registration fee is about 1, RMB, which is a considerable part of the investment. Within three years, I got the first-class CFA, plus 8, yuan for training and books, 1 * * * 18, yuan < P > So far, there is still 256,2 yuan left, excluding the living expenses and travel expenses for three years. (Living expenses are 12 yuan per month, and travel expenses are 1 yuan/year), leaving about 18,.

You can learn the proportion of your portfolio by yourself. If you are a novice, you can invest 3, yuan in the stock market, 1, yuan in the bond fund and the rest in the money market fund.

this is the general idea.

of course, if you consider getting married on 3, yuan. You can start a business, speculate in futures, foreign exchange margin and so on. By the way, at present, the state has subsidies for college students to start their own businesses.