Investing can feel overwhelming, especially for finance students. But it doesn’t have to be! Here are some simple strategies that have helped me while studying at university:

1. Asset Allocation

• First, think about how much risk you can handle. This means figuring out how much you’re willing to lose.
• Spread your money across different types of investments, like stocks, bonds, and cash.
• A common way to do this is by using the 70/30 rule. This means you invest $70 in stocks and$30 in bonds.

2. Invest in Different Sectors

• Remember, don’t put all your money in one place.
• By investing in different areas of the economy—like technology, healthcare, and everyday products—you can protect yourself from losses in any one sector.

3. Look at International Options

• Think about buying stocks from other countries.
• These international stocks can act differently than the ones at home and might help improve your overall investment.

4. Use Index Funds and ETFs

• These funds make it easy to invest without needing to buy a lot of different stocks.
• They usually follow the performance of a whole market, making them less risky than picking individual stocks.

5. Check Your Portfolio Regularly

• Set a regular time (like every few months) to look at your investments.
• This helps make sure you’re sticking to your plan and not putting too much money into one area.

6. Keep Learning

• Stay informed about what's happening in the financial world.
• The more you know, the better decisions you can make about where to invest.

7. Ask for Help

• Don’t be shy about reaching out to your professors or financial advisors for advice as you create your investment strategy.
• They can offer great tips and guidance.

By being smart with your investments and staying engaged, you can lower risks and possibly earn more money as you learn about finance. Happy investing!