How to buy a children s education fund Pay attention to these points

The cost of children's education is very high, if parents want to protect their children's education expenses at certain stages, it is necessary to reserve education funds in advance, such as buying education funds for their children, which can alleviate a lot of parents' educational worries in the future.

1. How to buy children's education funds?

The protection of children's education insurance is very flexible, and parents can make personalized choices according to their children's education plans. The amount of insurance can be roughly estimated according to the child's educational requirements and education level, and the time of receipt can be determined according to the time when the parent wants to receive educational financial support.

As for the guarantee time, if you only care about the child's education security, you can choose to pay it regularly, such as until the child graduates from college or graduate school, but if the family's economic situation is relatively good and you want to realize the old-age security by purchasing the child's education insurance at the same time, then you can choose to protect it for life, which can be converted into a pension when you are old.

2. What should I pay attention to when buying education insurance?

1.Be clear about the type of purchase

Education insurance is usually divided into lifelong and non-lifelong insurance. The lifelong type can be used as an education fund during the child's school stage, and a pension after retirement, with a long protection period, so its premium is naturally higher. The non-lifelong type only provides educational financial support for children.

As for how to choose, it can be screened according to the family's financial situation and own needs.

2.Pay attention to the exemptions

Some education insurance products include a waiver clause that allows the child to be covered for education if an accident occurs and the insured loses the ability to pay premiums.

3.Guarantee first, then educate

The essence of insurance is to avoid the economic losses caused by the risk of uncertainty, many parents spend a lot of money to buy education insurance for their children, but ignore accident insurance and medical insurance, which belongs to the end of the day, after all, the child's education is based on good physical conditions.

4.Be aware of liquidity risk

Education insurance is long-term, regular and mandatory, and parents will bear certain losses if they surrender the insurance in the middle of the policy.

5.The sooner you buy, the better

The sooner you buy an education insurance product, the longer the insurance period will be, the lower the amortized premium, and parents will not have great financial pressure.

1。Education savings: You can go to the bank to invest in education deposits, with a maximum limit of 20,000 education deposits, which can only be used after the child goes to college, so 9 years of compulsory education are excluded, and secondly, the withdrawal of education savings requires the child's non-compulsory education enrollment certificate.

The interest rate is higher than that of bank deposits.

2。Education Insurance: As a financial planner, I suggest that you must invest in this insurance, the advantages of education and consumption-resistant insurance:

Education insurance can be fixed, secondly, some insurance companies can invest from the child after 6 months, and if you have an accident during the insurance period and can't pay the insurance, then the insurance company has a premium waiver function here, which means that you don't have to pay the premium, the insurance company will renew the premium for you, and give you the amount of insurance, so that the child can successfully complete his studies.

3。Because education planning is the least flexible in time, only when the time comes, the children will go to school, so the planning of education funds must be planned in advance. Focus on stable investments, for example, choose some asset allocation.

30% of the ****, 30% of the bonds**. 30% balance**. 10% of the money market**.

This portfolio basically has an investment of more than 5 years, and the income of Chang sedan can basically reach more than 10%.

Yes, for children's mobility, the purchase of accident insurance, medical insurance is the focus, and then consider the combination of education funds, pensions, dividends and other products. Secondly, buy insurance first for adults and then children, and adults are the best protection for children. If adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is the adults who pay the relevant fees for the children.

Third, the order of purchasing insurance is: you must first protect the product, including 1, consumption (accident insurance, term life insurance, etc.); 2. Accumulation type (whole life insurance, comprehensive insurance, etc.). Then there is medical insurance (general medical care, serious illness medical insurance, etc.), endowment insurance, children's education funds, investment dividend products, etc.

At the same time, the order of purchase of the family is: 1, the economic pillar; 2. Your lover; 3. Family members without financial income, such as children, the elderly, etc. The principle of purchasing insurance is based on social security, and it is better to supplement it with appropriate commercial insurance.

Finally, it should be noted that the principle of insurance is as follows: (1) Buy insurance first to buy medical health, and health can ensure that customers have everything. (2) Buying insurance is light on words and heavy on contracts, life insurance is generally medium and long-term contracts, and you can become lifelong happiness if you buy it, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation. (4) To buy insurance, you must first protect the head of the family, if the main wealth creator of the family is not protected, then the premium? Cost of living?

and other family expenses are not ***.

1. The bank's education savings (stable, good interest rate, no risk).

2. ** regular investment (high yield, risky, bank or ** company handled).

3. Insurance products (average rate of return, but some additional protection).

4. You can plan to save by yourself (you can do a passbook with a lump sum deposit or buy a big piggy bank......）

That's pretty much it. There is no such thing as buying education, education is that the money will be used for children's education in the future, and there are various forms of saving. Also, since it is education, there can not be too much risk and volatility, and it is better to buy currency ** and the like

Education savings are the same thing as education** that a friend said, and the interest is calculated according to the interest calculation method of the whole deposit. Children must be in the fourth grade or older to apply. The interest rate is higher than that of ordinary small deposits and tax exemption, and the limit is 20,000 yuan with a certificate of student status. This will be done when your child reaches the age of age.

I don't recommend insurance as education, because the yield is low, not to mention that the macro economy has entered the interest rate hike channel, and the income of insurance products is usually linked to interest and lags, and it is not cost-effective to buy now.

If you want to buy insurance, give priority to the main financial income of the family** - such as the child's father to buy ......Regular investing is a good way to do it, and it fits your requirements. It is recommended to buy two**. One 200 (ICBC) and one 300 (China Merchants Bank).

You can transfer money directly from your payroll account every month, without having to go to the bank again and again. In this way, when your son goes to college in 15 years, there will be about 15w. Probably enough.

You can listen to the manager's opinion, but don't take it too seriously. Personal preference is open**, old**, and the star rating of the previous performance is okay**. (The return is an approximate figure of 5%, which is conservative.)

Hope for the son to become a dragon, hope for the daughter to become a phoenix, almost every family's vision, Chinese parents are always not stingy with their children's investment, especially in education, it can be called a lot of blood, many parents even in the child just born, began to buy education for their children, however, to buy education for children ** is good?

First of all, let's look at what is education?

Education**, also known as children's education insurance, is to provide corresponding insurance benefits for the educational needs of children at different stages of growth. In addition to the education of junior high school, high school and college, the children's education insurance sold in the market also includes entrepreneurship after joining the work, marriage and even pension after retirement.

However, compared with other life insurance, such as medical insurance and critical illness insurance, the basic protection nature of education** is obviously weak, and it is more similar to savings or wealth management products.

The most common education on the market**, in the return of insurance money, is completely for the children's education stage, usually in the child into high school, into the university two important time nodes to begin to return the funds every year, to the child's college graduation or entrepreneurial stage of a one-time return of a fee and account value.

So, is it good to buy education for children?

1. Forced savings, but the interest rate is lower than that of banks.

Once parents establish an education insurance plan for their children, they must deposit the agreed amount every year, so as to ensure that the savings plan will be completed, however, it is such a compulsory saving nature of education, its actual expected return interest rate, so that it is not as high as the bank's deposit interest rate, let alone other financial products, just ask, since bank deposits or other reliable claims products, can bring higher expected returns, It is also possible to provide insurance for children's education through savings or claims, so why choose education**?

2. Financial dividends, but dividends are unstable.

Education and medical care generally have the function of pure financial management dividends, but its dividends are not fixed, and policy dividends are based on the profits of the participating insurance business.

What kind of family is suitable for buying?

Although education has the above shortcomings, it is undeniable and still has a certain desirability. However, it may not be suitable for all families to buy, for ordinary families with more general family economic conditions, the purchase of critical illness insurance and medical insurance for children, plus the nature of social security children's medical insurance, is enough to provide protection, at this time, if there is enough economic surplus on hand, the purchase of education ** is also an option.

To sum up, is it good to buy education for children? In fact, there is no good or bad for any insurance, but to see whether it is suitable for your actual situation, education is no exception, and the most important thing is to choose according to your own situation.