A prospective college student has about 150,000 yuan on hand, how should he arrange it?

First of all, congratulations on becoming a student who is about to enter college and has a considerable amount of savings! I can offer some advice on how to structure this money, but the final decision depends on your personal goals and needs.

First of all, you may need to consider the following aspects to plan the funds reasonably:

1. Tuition and academic expenses: Understand the tuition and related expenses of the university you are enrolled in , and make sure you have enough funds to pay for tuition, textbooks, laboratory supplies and other study-related expenses.

2. Living expenses: Consider the living expenses during college, such as accommodation, food, transportation, daily expenses, etc. Make sure you have enough funds to cover these expenses, and don't neglect entertainment and personal expenses.

3. Emergency reserve fund: It is recommended to set aside a portion of funds as an emergency reserve fund to deal with unexpected expenses or emergencies, such as medical expenses, emergency travel expenses, etc. This will provide some financial security.

4. Investment or financial management: If you have a certain understanding of financial management, you can consider investing part of your funds in the stock market, bonds, funds or other investment tools. However, please note that investment involves risks and you should make decisions with caution and seek professional advice.

5. Build a foundation for the future: Consider using part of the funds for personal development and important learning resources, such as purchasing computers, professional books, participating in academic seminars, training courses, etc., to enhance your professional capabilities and competitiveness.

The most important thing is to make sure your money is well planned and can meet your current and future needs. If you are confused or need more specific advice, I recommend consulting a financial expert or discussing your financial plan with someone you trust.

I wish you success in college!