Find out how you can put money aside so that you have a good capital for, for example, a bank loan when you have finished your studies.

Money does not grow on the trees. Students in particular need to know this if they live on a tight SU budget, where every penny has to be turned over before it is spent. Most people are used to having to work hard for the money on the student job. It can often be a struggle to make it to the end of the month with a plus on the account and get the money to reach as far as possible.

But if you have a little air in the budget, it may be an opportunity to start putting some money aside each month and investing them so you can get a future return on your investment and use your savings to put some capital into the bank. , for example, if you have to borrow for a home when you have finished studying. Even for small amounts, you can get off to a good start and start saving for the future and let your savings invest themselves bigger.

Where to invest?

There are several different types of investment, and which form suits you best is about how risk-averse you are. One of the classic ways to invest is through an index fund, where you divide your investment into small equity shares in many different companies. The advantage is that you are less exposed if a company suddenly plunges in value. Investments are evened out so that you can both secure general returns when the shares on the index rise, and protect yourself against sudden fluctuations in a single company.

If you are more risk-averse, you can invest in cryptocurrencies such as bitcoins. bitcoins have increased with an impressively high growth in recent years, and if you have bought at the right time, you have been able to double your investment many, many times. But the bitcoins price is also falling and therefore it is a pretty risky investment. But if you are willing to take the risk, you can get great returns. Find out how to buy bitcoins at Kobkryptovaluta.dk .

Students finance investments with SU loans

It has become popular among many students in special economic studies to finance similar investments with a student loan, writes dr.dk . It is a loan that students can sign up for, where you borrow 3,200 kroner a month.

The advantage is that interest rates are low. Therefore, with the right investments, you can secure a return that exceeds the interest expenses on the SU loan, which must be repaid over many years. It also means that you can stand a good savings when you have finished studying and possibly need capital for a home loan or the like. Over five years of study, you can borrow up to 192,000 kroner.

With a SU loan, you can borrow up to DKK 38,400 a year, which is a good amount to start investing. But experts also warn against borrowing money to finance investments. The money must be paid back again, and if you lose on your investments, it can be sour money that you have to pay back after your education. The state must have repaid the loan, and it can be expensive if you default on your debt. Accountability in the loan is therefore the key to having a good experience.