How College Students Can Start Investing?

How Can College Students Start Investing?

Wondering how can college students start investing? If you are looking for possible methods, we have got you covered. This article will show several ways to begin investing while going to college!

Making money while studying is an excellent concept. It will help you save money for the future and manage some expenses. There are many ways you can start investing while studying. And if you are looking for the best guide, this is the right place.

This article will show you multiple ways to invest money while going into college. Without any further ado, let’s get started.

How Can College Students Start Investing?

The primary investment methods we are going to cover are:

  • Crypto
  • Bank Deposit
  • Securities and Other Exchange-Traded Instruments
  • Mutual Funds and Trust Management
  • Forex
  • Opening Your Own Business
  • Start-ups

And so on.

We are going to cover each one, and you’ll get a better understanding of the investment options.

1) Crypto

In recent years, cryptocurrency has reached such popularity that even children know about it.

Thanks to its popularization, more and more people are starting to invest their savings in cryptocurrencies and earn from them. At the same time, you have various ways of making money with the help of cryptocurrency.

Firstly, you can trade on the stock exchange. Secondly, you can use applications based on P2E or M2E – in them, you will receive in-game coins for activity or participation in games. These coins can then be transferred to real money. According to information from buidlbee, APE became the top cryptocurrency in games.


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SHIB was one of the meme coins people bought to make money.

The third way to make money on cryptocurrency is to sell your own NFTs (for example, if you are an artist, you can sell your works on particular marketplaces).

If you need to trade cryptocurrencies, you need to use Binance. On the other hand, if you are into buying and selling NFTS, OpenSea is a good platform.

You can check websites like CoinGecko and CoinMarketCap to learn more about the current market.

2) Bank Deposit

Before entering into a contract, it is only necessary to determine whether a banking institution participates in the deposit insurance system.

And it is essential to understand that a bank deposit is more suitable for saving money than a consistently high-interest income. When placing large sums, dividing them between banks and into several currencies is advisable.

There is some advantage of bank investment, like the simplicity of registration, clear conditions, high reliability, small risk, small starting threshold, and the possibility of early withdrawals of funds.

Among the disadvantages is its low profitability, which often does not cover the inflation rate.

Most banks will show you a calculator on the FD investment page. Using that calculator, you can see how much return you would get after maturity, and so on.

3) Securities and Other Exchange-Traded Instruments

This method of investing involves entering the stock market to purchase financial (equity and debt) instruments.


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Income is generated due to the growth of the value of shares or bonds and the regular accrual of dividends. To carry out transactions with securities and derivatives, you must register with one of the brokers.

It’s recommended to choose among the most prominent players. The advantages of this method of investing include high potential profitability in the long term.

The variety of existing financial instruments makes it possible to diversify risks, but it will be impossible to avoid them altogether.

4) Mutual Funds and Trust Management

By investing in a specific mutual fund, a student receives an investment portfolio of various assets managed by specialists with experience.

There are a ton of mutual funds and investing platforms available.

If you do not want to deal with the intricacies of the self-selection of instruments on the stock market, this investing method is preferred.

But it is worth it because the commission costs will be high. The investor gives his assets to professional traders for management.

They are interested in bringing him a profit, as they receive a percentage of remuneration from this. However, if the strategy turns out to be a failure, then only the investor risks his money.

5) Forex

One of the most attractive and popular options for young students.

Numerous books have been written on this topic, in which successful strategies are constantly analyzed, and even guarantees are given on how to get rich quickly with small investments.


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No more than 30% trade relatively successfully, while the rest simply lose money. To enter this market, you need to use the services of professional brokers.

The main asset in Forex is a different currency with which the trader conducts purchase and sale transactions.

However, the market is very unpredictable ― novice traders often lose their start-up capital in a few operations.

6) Opening Your Own Business

The main advantage of this method is that a person independently controls the movement and redistribution of money.

However, he has to take on all possible risks, which are incredibly high at the initial stages of project development. Opening your business in areas where competition is not too great yet is best.

This statement is especially relevant when an entrepreneur does not have serious start-up capital. Students can even promote a small online store or website with a small amount of money if they choose a successful niche.

7) Start-ups

This method of investing is to successfully invest in someone else’s promising project and make a profit in the future.

This requires special knowledge or complete confidence in the founder of the project. It can be a completely new idea that is not yet on the market or an improved concept of an existing business that can breathe new life into it.

The potential income from such projects can be as high as the chance of losing every penny. Before investing in start-ups, you should conduct a thorough market analysis or order it from specialists.

The main advantage of this investment option is the opportunity to become an investor at the origin of a new promising company. The success of the project will also depend on whether it will be possible to unite a team of professionals in their field around themselves.


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Related Article – How to Earn Money Online Without Investment


While going to college, you do not have enough time to do a full-time job. You can do a part-time job, but you will be exhausted at the end of the day.

If you have a little money to invest in your future, you can try the methods we mentioned in this article.

We have gathered 7 ways to invest your money while going to college. These methods don’t need much money, but you can start with a small capital.

One more thing you need to consider is some of the platforms come with high risk. So, when choosing an investment platform, you must go through every detail.

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