Would you like to improve your financial situation without working hard? Then, the investment field is what you need today. But keep in mind that any investment involves some risks. Spending money is always easier than earning. If you want to try your luck and invest money to get a score lined up, you have to invest your cash in profitable things. Otherwise, you may lose all your savings and start all over again. Being a college student, there are also a few options to increase your capital. Let’s check the effective ways of investing your money while being at college.

Bank Deposit

If you don’t want to take risks, you’d better open a bank account. You don’t need to have a lot of money to become a bank customer. The bank deposit is suitable for students as you might have $100 to open a deposit in a bank. Before entrusting your saving to the bank, study the terms and conditions carefully, and feel free to ask some questions to the manager.

Use an Investing App

Nowadays, you can invest money at any place you have your smartphone in your hands. Some apps help you multiply the earnings. For example, Stash or Acorns. You need $1 to open your account and about $5 to get started. Each has its own terms and conditions to invest in. Try it at least once, and you might hit the jackpot and won’t ask, “Could you write my paper for cheap?” as discounts and sales won’t matter to you.

Peer-to-Peer Lending

Do you have a lot of people around you who always need some money? If so, you can set up a small peer-to-peer lending business. The basic idea of this investment is lending out at interest. Using your money, customers pay you a percentage that will be your profit. Unfortunately, there is always the risk of running into an unfair borrower. So, you might lend the bail money.

Precious Metals

When you are willing to invest your money for a long time, the best option is precious metals. Gold and silver are always valued, and any financial crisis won’t be able to touch them. Of course, you might lose a small part of the money invested, but the majority part will be saved. Investing in precious metals doesn’t mean that you have to buy up gold brick and keep them under lock and key. You can buy jewelry you like. Thus, you will kill two birds with one stone: invest your money and enjoy yourself with beautiful things. Over time, the price of these metals will rise.

Investing in Art and Antiquity

If you are considered as an art connoisseur, invest your money in art and antiquities. As we know, art is eternal, and in the future, it will be able to bring you significant profit. Moreover, you might hire a person who will point out the true value of the object and doesn’t let you waste money. It’s like picking out a proven academic assistant who is ready to lend a helping hand every time you ask, “Please, do my math homework for me.”


Both large companies and individual entrepreneurs use securities to multiply their incomes. To succeed in it, you should choose a good licensed broker. He will help you buy and sell securities at the beginning and share tips on how to be an expert in this field. Of course, a broker might want to get some money from you for his services, but you will pay him less than you would waste if the value of securities drops.