Let s see how I use the fund to get my child s education fund

1. How to operate the regular investment of children's education insurance is a scientific method? Let's introduce it to you.

1.Adjust the amount according to the financial situation.

The family's financial situation will change, and when the total amount of investment available each month increases, you can adjust your investment strategy appropriately and add additional funds. Conversely, when household income decreases, investment strategies need to be more prudent.

2.Appropriate redemption conversion and utilization of funds.

Many investors are in urgent need of money, so they take some actions to exchange **, but the agreement of regular and fixed amounts still exists, and they can continue to deduct money every month. In fact, investors can convert some of the original units to those that are in line with the new financial policy, and continue to contribute capital in a regular and fixed amount.

3.Match long-term and short-term financial goals, and choose different characteristics**.

Choosing the way of regular investment based on the economic conditions of the family is the most basic criterion for capital contribution. Of course, the investment horizon and what kind of investment goals you want to achieve should also be taken into account.

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With the gradual improvement of people's living standards, more and more attention has been paid to the education of children. So how do you find a balance between spare money and children's education? In fact, regular investment is a very good choice, today I will tell you how to choose **regular investment products to prepare education funds for children?

OneHow to choose**Auto-Invest products

1. When we choose the best regular investment product, we should first pay attention to the qualification of the company that issued the product, and whether its historical performance is stable and good enough. Because our money is to be invested in a long period of time, only the best companies that have been verified by the market can become our partners.

2. It is necessary to pay attention to the period of regular investment, from the perspective of historical experience, in the long run, it is basically upward, and only when the investment time is long enough can the expected long-term upward return be obtained.

3. How to choose the ** regular investment product? In fact, the variety you choose is also very important, from the analysis of historical data, the long-term investment value of index ** and ** is higher, and its expected rate of return is also very good relative to currency**.

Investors can also view:

In 2017, it ranked among the top 10 in regular investment

Imaginary Songs, you can choose to reserve education funds for your children according to the top 10 ** regular investment varieties, such as China Merchants CSI Liquor Index Grading B, E Fund Xinyi Mixed E, etc.

4. Set goals, after reaching our own expected pre-completion or expected returns, and feel that we can meet the children's education problems, we can withdraw in time, and do not be too greedy.

IIHow to do it** regular investment

1. The timing of entry is very important, many people like to enter the market in the bull market, and then stand on the top of the mountain to blame this and that. In fact, you can only blame yourself, when the grocery shopping aunt knows that ** is very good, will you still have profit space when you enter the market? To make the best regular investment, the bear market will begin to lay out the best, adhere to it for a long time, and finally take profits in the bull market.

2. Long-term persistence, regular investment is a long-term cause, and many varieties can only demonstrate their investment value after three or five years. Therefore, during this period, we do not have to artificially give up due to market fluctuations, as long as we choose a good time to enter the market and persist for a long time, we can get a lot of returns.

3. **type** is the best choice to do **regular investment, because **type** fluctuates greatly, insisting on regular investment can dilute the cost, and it is often expected that the income is quite large when ** comes.

4. It is necessary to combine your own actual situation to make a regular investment, such as how much money I can invest every month, how long I am ready to invest regularly, whether the funds required for regular investment will have a greater impact on my living standards, etc., and then decide the amount of regular investment and the expected number of years.

Preparing education funds for children and ** regular investment seem to be two unrelated propositions, but in fact, there are many different correlations between them. For example, it takes a long time, a long-term plan, etc., in today's increasingly uneconomical to deposit money in the bank, we can try to prepare education funds for our children by choosing ** regular investment products.

Raising a child means taking a small portion of everything in your life and adding extra considerations. After going through the feeding baby stage, it has ushered in the education stage. The older your child gets, the more you have to worry about.

From the moment the child falls to the ground, he is waiting for you to plan for his future. What kind of financial management methods can not only help mothers save their worries about their children's education funds, but also minimize the impact of this part of the funds on family income and expenditure? It is believed that mothers can consider ** regular investment.

Regular investment is an investment behavior that deposits fixed funds into the account at a fixed time every month.

The risk of regular investment comes from the type of investment you buy, which is ranked by risk size as index**, **, hybrid**, bond**, currency** and capital protection**. It is suitable for mothers to prepare for the education of their children** The best way to do financial management is to choose a type with less risk. **The expected annualized expected return of the regular investment is generally higher than the annualized expected return of the bank on a regular basis.

The sooner mothers make the best investment in their children's education funds, the better. This is also one of the tricks of regular investment. Generally, the sooner investors start to handle ** regular investment, the more they can be one step ahead on the road to financial success.

Since the ** regular investment is the calculation method of compound interest, the earlier the starting point of the regular investment, the greater the compound interest effect.

For example, the same is to prepare 200,000 yuan of overseas education funds, calculated by the actual expected annualized expected rate of return of the Shanghai Stock Exchange Index in the past, assuming that the child graduated from high school at the age of 18, if the child is 13 years old, the parents start to invest regularly, the time is from January 2003 to December 2007 (compound annual average expected annualized expected rate of return, 1038 yuan per month. If you start regular investment at the age of 8, the time is from January 1998 to December 2007 (compound annual average expected annualized expected rate of return, 508 yuan per month.) If you start regular investment at the age of 3, from January 1993 to December 2007, you only need to invest 258 yuan per month (compound annual average expected annualized expected rate of return.

The sooner you start regular investment, the less amount you need to spend every month to achieve the same goal.

For 20 years, the first choice is of course index.

**Investment also has risks, and the risk is inversely proportional to the timing of the regular investment. Invest for 20 years and the risk is negligible.

Now that the stock index is low, it is the right time to make regular investments. The index can reflect the index well, so it is recommended to invest in the index type. It is recommended to invest in two in the index type**

One CSI 300** and one CSI 500**. One ** one small and medium-sized cap, the portfolio investment income is more stable. If you have limited funds, you can invest in CSI 300** first.

The regular investment goal can be divided into pension, savings, education, investment and other multi-functions, ordinary people can make a value investment, and it is also very good to educate their children if they have children.

**Regular Vote Elected** and Index**. Studies have shown that the general loss rate of **type** regular investment for more than 10 years is generally 0, but this is not absolute. When you invest regularly, you must choose ** with good past performance.

Suggested index**, such as the Shanghai Composite Index, CSI 300...

You can try Hengtai**, I have been using it for more than a year, and I have not encountered unsafe problems.

To accumulate education funds for children, we must first see that this money has a rigid need every once in a while and must be spent. For example, if you start investing this year and you are facing the cost of your child's kindergarten two years after you start, I don't recommend that you go for too high a yield, and it is more important to keep your money liquid. It is correct for you to choose regular investment, but you must consider a reasonable allocation, because when you are in urgent need of funds, if you catch up with market fluctuations, your principal is very likely to be damaged.

Three years ago, I made such a portfolio for my children, and took out 100,000 yuan at a time, of which 50,000 yuan I subscribed to a corporate bond with an annual interest rate of about 8% and a maturity of 7 years. Of course, this requires you to have some experience in investing in bonds, and you can generally get an average annual return of close to 10% by doing a tax avoidance operation once a year plus the bid-ask spread. Of course, if you are not familiar with bond investment, you can also directly buy a bond**, such as E Fund Stable Bond, which has an average annual yield of about 6% in the past three years.

This can be used by children in elementary school or even junior high school.

The remaining funds take out 30,000 yuan to directly purchase currency**The annualized rate of return is roughly equivalent to that of a 1-year deposit, which is mainly used for the expenses of children going to kindergarten at the age of 3. The remaining 20,000 yuan is divided into 12 parts, and the regular investment hybrid **, (after a year, I will continue to invest in the regular investment) I will invest in Harvest Research Selection (070013) for almost 3 years, and the approximate total income is almost 20%. This money has been invested, at least 15 years for the cost of children's high school and college.

If you plan to send your children to study abroad and need to increase investment, we will now put the New Year's money and pocket money given by grandparents and relatives on the ** fixed investment. You should have confidence in China's capital market, and you should also know more about relevant knowledge and information, keep a clear investment mind, and adjust your investment strategy in a timely manner according to market changes.

After comprehensive and careful consideration, it is recommended that the theme of regular investment in medicine and medical care** is more reliable. Needless to say, why.

To give you a good advice, if you want to have those leftovers in a few years, you might as well keep them in the bank for a regular period. In the past 5 years, people who can make money can make about 10% of the people who make regular investment, I said that this number is still high, if you are a one-time purchase, the danger is higher, no one can guarantee that you choose a 5-year doubling**, even the manager himself can not guarantee. If it is a bond currency, it is similar to the bank term, and the bank now also has high wealth management products, with an annualized return of 5-7.

According to most customer surveys, those who do children's education will not care too much about the benefits. (But I don't want to lose money) then at least choose a product with stable income, and value preservation, which can be invested for a long time.

Although there are few investable products in China, but you can't invest blindly, I don't recommend buying ** for children, and what others say about education ** does not mean that you are buying**. Saving a part of your own money is education**, or education funds. You can consider the bancassurance products of insurance companies, you can put a little deposit every year for 10 years, and the interest is similar to that of the bank, at least the principal is guaranteed, but the interest is guaranteed.

The biggest benefit of this is the forced savings, you can remember to save a little every year, and you can also compound interest. Or go to the bank every year. Or invest**.

The above is your choice.

Prepare for the education fund, then the regular investment period must be very long, it can reach ten years. There are at least five years too.

It is recommended to take a long time, or do some high-risk and high-return **. For example, **type**.

Of course, if your risk tolerance is limited, you can also buy bonds** to invest regularly and obtain stable returns. The average annualized one-year fixed deposit is more than 2%.

It is recommended to choose a few more**, two to three are appropriate, combined with my friend's education fund regular investment plan, I recommend: CCB Core Selection, GF Core Selection, Harvest Research Selection, China Universal Pharmaceutical, Huaxia Return. You can choose according to your own situation and pick 2-3.

The amount is configured with the recommended average score.

If it is a regular investment bond**, it is recommended: Bank of China Double Interest, Minsheng Plus Bank Strong Bond, Fuguo Industrial Bond, and Southern Dolly. 2-3 pcs.

If you don't understand anything, please sincerely welcome to ask; If you are lucky enough to help you, please adopt it in time! Thanks!

I don't know, hehe, I'll do the task, choose me! Thank you.

Let's talk about my personal opinion, children's education can be selected ****, the time is about 5 to 10 years, and the fixed investment can be about 300 to 400 per month; Your personal pension fixed investment, you can choose the index**, the time is about 35 to 60 (25 years), you can invest about 700 to 600 per month (and the education fixed investment adds up to exactly 1000 yuan).

Why is this arrangement, considering that you are now 35 years old, the time is relatively not early, if you start to invest in the pension at the age of 20, you can use a small amount every month, such as 200 to 500, the older the age, the shorter the time to retire, and the amount of regular investment will be increased accordingly every month in order to meet the target demand, like I started at the age of 32 to plan the pension fixed investment, more than 1000 yuan per month. Generally more than 10 years, the index ** has relatively obvious advantages, low cost and good effect.

Children's education**, I don't know how old the child is, but the regular investment **** is still good, generally about 5 years for a bull and bear cycle, the bull market can be realized at any time, to the bear market to continue to invest **, so the effect is better.

Wealth management products, whether they are banks or brokers, generally have a high starting threshold, and there are almost no fixed investments. Moreover, wealth management products are not transparent and have poor liquidity compared to **.

No matter which one**, you can invest regularly. It's just that the effect is better or the three types of **** (about 5 years), mixed ** (about 3 years) and index ** (more than 5 years, the longer the more advantageous). Bonds** and currencies** can also be fixed, but the effect is not as obvious as the previous three, and it can be used as pure accumulation to save money, just like replacing bank deposits, it is still possible.

Anyway, a risk is a return, a high return for high risk, and a low return for low return. Books on financial management and books on **, I can recommend a few of them to you. FYI.

"Financial Management Toolbox" - Liu Yanbin.

The rich president teaches you to buy**", "Buffett teaches you to buy**", "Buffett** 6 investment tricks", "I have made a lifetime of wealth with **".

101 Secrets That Banks Won't Tell You" and "My First Comic Money Book - 104 Financial Knowledge".