It can also be seen from the report that 54% of parents in China want their children to study abroad; In addition to studying abroad, 95% of parents want their children to receive higher education and complete at least one postgraduate degree to facilitate future employment.
In addition to the above reports, some people have counted the top ten cities that raise a baby. First-tier cities rank the highest, and Shenzhen and Guangzhou in the north have the highest cost of raising a baby. The education competition in these cities is very fierce. Parents should not only buy school districts for their children, but also arrange various interest classes. The cost of raising a baby must be high.
In addition, Hangzhou, Nanjing, Wuhan, Qingdao, Xi and Changchun are all on the list, which surprised many people. Why is Qingdao in the top ten? In fact, the cost of raising a baby is generally higher. In the eyes of parents in China, education is a necessary expense, because these expenses determine how far their children can go in the future.
Not long ago, there was a parent-child variety show, and the speech of a father of three children also resonated with everyone: raising children is too expensive. In the program, once he counted the daily expenses of children, which surprised everyone. In addition to the necessary milk powder, diapers, clothes, shoes and socks, there are also expenses for early education and medical treatment. Simple calculation, at least in100000. Because there are so many things to prepare for the children, he even reserved a room for their things.
In addition to the father of three children, there is also the richest man in Xihong City, among which Wang Duoyu, the protagonist, originally wanted to donate all his inheritance. As a result, the baby in Zhu Xia's belly mentioned the husband and wife at this time. This foot also reminded them, how can they donate all their money? What about children's future education expenditure? As a result, the couple worked out a long list of living expenses and interest classes. Degree room, insurance, etc. Must be prepared for children. I believe many parents are bitter when they see this: where is this comedy? This ending is obviously to bring up the reality.
There was a hot topic in Zhihu before, # Having a baby with an annual salary of 500,000 is moonlight #. This is a 32-year-old father who has children and earns about 47,000 yuan a month. He didn't buy a house or car in Beijing, and he didn't have a Beijing hukou. His monthly rent is 13000 months. Every month, the family spends at least 12 thousand; Fruit, shopping, books, snacks, transportation, medical expenses and other purchases add up to 22,000 a month; Children's education averages 7,000 to 8,000 per month; There are also various human expenses and so on. , add up to at least 33.7k per month. Other expenses were used for stock market investment, and most of them were lost.
Finally, my father laughed at himself. He saw that the balance of the bank card failed to reach 800 yuan several times, and he had to sigh that raising children was too expensive. No wonder some people say that raising children is showing off wealth.
But there is no way, resources are always unfair. For families with sufficient resources, they can always provide a broad stage and corresponding opportunities for their children in time; But for people who lack resources, there is often only one chance, and even this opportunity is not available. But in any case, children can get a fair chance to compete through education.
Some parents think that money is not a particularly big problem. As long as you work hard, make money, save money and save money, you can give yourself the best. Don't talk about the future, just look at the epidemic. In recent years, many enterprises have closed down, many people are facing layoffs and family income has been interrupted. Not to mention the cost of children's education, even the living expenses are a problem. In fact, no one can guarantee that this standard of living and family income will be maintained in the next ten or twenty years, and the risks are unpredictable and difficult to control. If misfortune happens to the family pillar, what will the children do in the future?
Therefore, it is suggested that parents can prepare a suitable education fund for their children's education, so as not to provide protection for their children when they encounter risks. So, how should we save a sum of money for our children? What if you can guarantee your child's education? Consider children's education insurance.
1. What is children's education fund insurance?
Children's education fund insurance can actually be understood as children's education fund. The purpose of children's education fund is to provide stable cash flow for children and financial products with guaranteed capital and interest for families. Parents usually need insurance when their children are young, usually 28 years old (or 30 days)-14.
At present, in addition to children's education funds, education security can be provided in the important period of children's junior high school, high school and university, and some can also provide venture funds, marriage funds and even pension funds. This money is specially for children, no matter how it changes outside, it will not change.
In short, children's education fund insurance has the great characteristics of long-term, safe and compulsory savings.
Second, how to choose children's education insurance?
There are the following points to pay attention to when choosing children's education fund insurance:
1. Choose according to insurable time.
Generally speaking, the sooner you buy insurance for your child, the better. Generally speaking, we can consider providing children with education funds one month (28 days) after their birth.
2. Choose according to time.
Some children's education funds only cover a certain stage, while others can provide protection for the whole education process. Some have to estimate when and what fees to charge according to the age of the child, which is actually based on the needs of the family. It is suggested that you can choose the children's education fund insurance that determines when to withdraw the education fund, because you can dynamically choose when to withdraw it according to your family situation.
3, according to the annual insurance amount.
When choosing children's education insurance, we should pay attention to the premium paid in advance. In addition, the choice of insurance amount must be able to ensure that children are not affected by any risks in the future education process, and families can pay corresponding premiums according to the insurance amount. Generally speaking, it is enough to protect children aged 25 to 30.
4, combined with household disposable income
Generally speaking, the premium is not recommended to exceed 20%-30% of the family income. Consider how much money the family can invest in this children's education fund every year to avoid increasing the burden on the family because of paying too much premium.
5, combined with product types
Some children's education funds can provide the cost of studying abroad. If you have a family planning to study abroad, you might as well consider it. In addition, if you choose to cover the purpose of studying abroad, the insurance cost will increase accordingly.
6, choose additional insurance protection
When choosing children's education insurance, you can consider providing additional insurance. Generally speaking, accidental injury medical insurance, total disability exemption insurance and critical illness insurance can be configured. In this way, children can be more fully protected.
Third, why not invest in other products and put children's education funds?
Some people ask why it is not necessary to buy insurance for children's education, so why not put it in the bank, so as to ensure stability. Very responsibly, yes, you must choose education fund insurance. We can consider the nature of the money given to children. It must be absolutely safe and cannot be taken out casually, but it will be taken out when necessary. Therefore, the premise is to ensure that the funds will not waver, and then consider other things. Let's take a look at the popular investment products on the market one by one:
1, real estate
Many people will choose to invest family education funds in real estate, thinking that the investment in real estate is relatively stable. But in fact, under the control of not speculating in real estate, the difficulty of real estate investment is inevitably rising. In addition, because the house has the property of real estate, once it is in urgent need of money, it needs to wait for a period of time in the market to realize it. Some people can only sell their houses and collect their children's education funds at a price far below the market price. Therefore, compared with the children's education fund, real estate investment is not stable enough.
2. Stocks and funds
Just like the moonlight clan of 500,000 people, he is also trading stocks, but he loses more and earns less. As the so-called high risk and high return, stocks have certain risks. Even if they make money for a while, can they be guaranteed to make money for a long time?
Some people say that if I don't invest in stocks, I can always invest in funds. But again, investment is always risky. In case the fund loses money and the child needs money, do you want to take it or not? Obviously, the above two methods do not meet the needs of children's education funds.
3. Banks
Some people say that since investment is not feasible, consider bank time deposits. We can compare the two from the above three points:
① In terms of security, children's education funds are as safe as bank time deposits.
② As for the rate of return, the interest rate of five-year time deposits is mostly below 3%, while the rate of return of children's education funds is slightly higher than that of time deposits, about 3.5%.
In this way, under the condition of ensuring safety, the children's education fund will be better.
4. How is the Children's Education Fund compared with other products?
The idea of configuring insurance is to protect adults first, and then protect children. Because adults are the backbone of the family, once there is any risk, the future of children will be insecure. So all the major premise is to protect adults first. In addition to the children's education fund, children still have many insurances to choose from, so what is the difference between the children's education fund and other popular types of insurance?
1, medical insurance and children's education fund
Scope of protection: medical insurance is the basic guarantee, and the corresponding medical expenses can be reimbursed when the child is sick; Children's education fund insurance is to prepare for children's education, and it cannot reimburse the corresponding medical expenses.
2 premium: because there are many optional products, medical insurance can be selected according to different needs, generally ranging from several hundred yuan to several thousand yuan; Children's education fund is generally around 10 thousand yuan.
2. Critical illness insurance and children's education fund
Critical illness insurance can often pay a fee according to the contract after a major illness occurs. As for how to use this fee, it can be spent according to the actual needs of the family. In addition, some critical illness insurance can provide lifelong protection for children. Most children's education funds provide protection for children during their schooling.
5. What kinds of children's education funds can be divided into?
Children's education funds are divided into two types, one is non-lifelong education fund insurance, and the other is lifelong education fund insurance.
1, lifelong children's education fund insurance
Lifelong education gold insurance is generally insured when children are younger, which can protect their lives. It can not only provide guarantee for children's education, but also provide necessary support for children when they get married and start their career, and it can also be converted into pension in the child's pension stage. This is a life insurance policy.
2. Non-lifelong children education fund insurance
Non-lifelong education fund insurance is more responsible for education, which can provide certain protection for children in different learning stages, especially junior high school, senior high school and university, so that children can get certain education expenses. After the child graduates, if there is still relevant amount in the account, it can also be used as the start-up fund for the child to start a business.
Six, how to buy children's education fund is more cost-effective?
In fact, different children's education funds in the market have different differences. For many parents, how to buy their children's education fund is more cost-effective? Let's start with the following points:
1, see if there is any premium exemption for this insurance.
You can choose products with premium and flour. Premium exemption means that if parents have any risks, such as loss of working ability and any accident, the subsequent children's education premium will not be paid, but the insurance contract is still valid and the children can still enjoy the future benefits.
2. See if the income is guaranteed.
When buying a children's education fund, you must see clearly whether the contract can guarantee the income. If there is no clear income guarantee, then the risk of this money will be relatively large, so you must read it carefully before buying it.
3. Look at the benefits of the policy
To measure the income of an education fund, we can look at the rate of return. Regulatory requirements require that the yield of wealth management insurance should not be higher than 4.025%, so try to choose some products with a yield close to 4%.
4. Be able to support policy loans.
Many parents worry that after all, the money can only be collected when the children go to school. What if there are any risks during the period? Some children's education fund insurance can support policy loans without worrying about losing money because of anxiety.
Sixth, write it at the end.
For the sake of children's future, every family tries its best. Children's education gold insurance is to escort children and parents. Children's education fund can be used not only for compulsory savings, but also for special purposes. You can also give a certain number of people to your loved ones within a certain period of time, which other products cannot provide.