When you're a university student, it's important to think about how to mix up your investments. This helps to keep your money safe and potentially grow it over time. Here’s a simple guide to some good options:

1. Stocks

• Individual Stocks: Choosing a few stocks from different companies can help you earn more money. Pick companies that you really like or believe in.
• Exchange-Traded Funds (ETFs): These let you buy a bunch of different stocks all at once. They are a good way to invest without needing a lot of money right away.

2. Bonds

• Government Bonds: These are usually a safe choice and can give you regular income.
• Corporate Bonds: These are a bit riskier than government bonds, but they often have better returns. Look for bonds from companies that are rated as good.

3. Real Estate

• Real Estate Investment Trusts (REITs): If you can’t afford to buy property, REITs are a great way to invest in real estate without having to manage a property yourself.

4. Cash and Cash Equivalents

• Keeping some cash in a high-yield savings account is smart. This money can be your backup for emergencies and is easy to access if you find a good investment chance.

5. Alternative Investments

• Cryptocurrencies: These can be risky, but if you research them carefully, a small investment might work out well.
• Commodities: Consider putting a little money in things like gold or other commodities to protect against rising prices.

In short, diversification means spreading out your investments to make things safer. By using a mix of these options, you can make your money grow steadily while you're in university and in the future!