Investment opportunities are all around you even if you are still a student. Earning money isn’t an easy job but with the right perspective, you’ll surely find something that fits your interests and financial goals. 

The transition to this kind of responsibility is daunting, especially if you have no idea what to do. Don’t worry because Slide Up has you covered. As part of our financial literacy campaign, we bring you investment 101: a beginner’s guide to profitable investment opportunities. 

Browse through the article to learn more about these opportunities that you can take even as a university student. 

Savings account

The safest and most conservative way to dip your toes in investments is by applying for a high-yield savings account. With this type of investment, all you have to do is place an ample amount of money into your reserve. It’s perfect for people who do not want to risk money. 

However, you’ll only earn small profits over time depending on how much you put into the account. There’s usually an interest rate that will determine the amount of money you earn either quarterly or annually. 

The upside is, you can access the money whenever you need it. Although, the bank may set certain limits to protect your investment. Some institutions may only allow you a handful of withdrawal access while others may only set a certain day for you to either deposit or withdraw cash. 

It’s a great way to protect your money, especially if it’s intended for long-term investment. Moreover, this can help jumpstart your investment journey and learn the potential of your money to grow. The benefits, however, are limited and can also be affected by economic conditions like inflation. 

Certificates of deposits

If you want larger interest rates to profit off of your savings, you should consider the certificates of deposits path. This service is issued by a majority of banks and they often offer higher interest rates compared to high-yield savings accounts. 

Certificates of deposits are also known as time deposits which implies that you cannot withdraw the money whenever you want. Often, there’s only a window period quarterly or annually where you can access the money without penalty. 

This is better than savings accounts because the interest rates are much higher. The banking institution will pay the interest at regular intervals thus giving your money time to mature thus allowing you to get the seed money as well as the interest accrued during the time deposit period. 

However, this type of investment is only advisable for money that you’re willing not to spend for a while. The banks won’t allow you to deposit and withdraw money from this account whenever you like because they use it for investment purposes to make the funds grow. 

The best way to utilise this kind of investment is by the laddering process. This means that you’ll invest the funds on varying terms and timeframes so the money won’t be tied up for a long time. 

The stock market

Things can get a bit complicated once you start investing in the stock market but it’s one of the ways for you to earn profit with money. With stocks, you’d be able to buy shares of a publicly-traded company and bet on its future success or failure. 

However, you need to develop a few trading skills and strategies for this type of investment if you don’t want your money to vanish into thin air. Checking the stock market trends regularly can help you develop the necessary skills to help your investments grow. 

Some people often hire stockbrokers to help out with their investments but you can still manage to do it on your own. The volatility of the market can be daunting but once you’ve gotten your groove, you can manage the funds.

There are plenty of exchanges where you can try your hands in this type of trading. Start with small increments of money and when you’re confident enough, you can increase the amount of money you put up. 

Government bond funds

For a more conservative approach in investments, government bond funds or EFTs can give you plenty of opportunities to grow your money. This kind of investment is secure because securities issued by state-sponsored enterprises assure that your money is covered. 

State bonds are perfect for those who are only beginning to enter the investment market. It’s also a good source of cash flow for even small capital by risk-averse investors. 

Aside from the bond’s security, it’s also highly liquid. This gives you the ability to move your money depending on the trends and market conditions. 

However, the bonds you make are not backed by government institutions making them vulnerable to inflation and interest rate fluctuations. You still need to be vigilant about how your trade moves so you can maximise profits and lessen the risks. 

Real estate investments

The land is a finite resource making it a valuable asset for investment. Since there’s a limit on the properties out there, the demand for land is a stable cycle that gradually changes over time. 

What makes real estate more enticing is its tangible value. There are plenty of ways to invest in this market from rental properties to flipping houses. It’ll depend on what your financial goals are and what you want to get from this investment. 

It’s even an option to put money in real estate investment trusts if you don’t want to deal with the paperwork and bureaucracy of purchasing properties. This will also turn your investments into profits, especially when you find a good firm to handle your finances.

Mutual funds

The more capital you put into your investment, the more profits you’ll stand to gain. However, not everyone can invest huge amounts of money for investment. That’s where mutual funds come into play. 

This type of investment allows you to put up a small amount of capital along with other investors. The lump sum will then be used by a firm to buy a few shares to profit from. 

A few thousand dollars won’t get you far when investing on your own but with a mutual fund, your money is vested in a diversified portfolio that’s well managed by a third party. 

This can be your stepping stone into further growing your funds until you’ve earned enough money to do investments on your own. 

Commodities and gold

Gold, gemstones, diamonds and other precious resources have real value that can’t compare to other investments. That’s because there are finite resources of these precious metals and not everyone is capable of buying these things regularly. 

Although these assets are tied to the stock market, their trend operates independently from traditional stocks and their market volatility. Usually, these commodities rise as stocks fall and some investors use this downturn as a hedge against the market.

You’ll earn a lot from gold and precious metals. However, the value isn’t as tangible as real estate investments. Many people often purchase these commodities as a status symbol rather than a tangible asset for a profit. 


It can come as a surprise to see art on this list but the art industry has millions of money riding on pieces made by classical artists as well as reputable modernists. Some works are valued at skyrocketing prices and often can increase more as time goes on. 

A perfect example of this is working from renowned artists like Leonardo Da Vinci, Claude Monet, Picasso and Rembrandt among others. These are valued so much and are auctioned out to collectors for 6-digit amounts.

The value of the painting is also dependent on its age as well as the reputation of the artist. Higher prices are placed on artworks with historical value as well as great craftsmanship attached to them. Moreover, authenticity is also important. Imitations may be worth something but it’s incomparable to the original works from centuries past. 


One of the rising commodities in the digital sphere is cryptocurrencies. These are digital assets that are accessible through wallets and exchanges. You can use these assets as payment methods for products or services as well as invest in it for long-term gain. 

Bitcoin is the leading digital asset in the crypto sphere. However, its road to worldwide acclaim is rocky since the value is too volatile for some. 

Many investors prefer to invest in major cryptos like Bitcoin (BTC), Ether (ETH), Binance (BNB) and Cardano (ADA) among others but other rising coins in the market are worth looking into. 

The main thing you need to consider is the significant risks that are attached to the volatility of crypto. Make sure that your strategy aligns with how fast the increase and decrease for the coin are so you won’t experience huge losses with your trades. 

Find out more about how you can maximise your investments as you browse through Slide Up. You can also sign up for our newsletter to be in the loop of the latest updates about our financial literacy campaign. 

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