Let's take you to know.
The main contents of this paper are as follows:
L what is an education fund?
L is it necessary to buy an education fund?
L in 2022, an education fund worth buying
1. What is an education fund?
Education fund is an annuity insurance. Generally speaking, parents make a compulsory deposit for their children's education.
This money will provide financial security for children during their higher education, with the purpose of transferring the economic risks faced by children during their education.
It is popular for many parents to buy an education fund for their children when they are young. This foundation grows with the children until the appointed time. For example, children 18 years old can "bear fruit"-give them a sum of money every year as their tuition and living expenses. After some products expire, they can still receive a large sum of money due.
Second, is it necessary to buy an education fund?
Let's understand the function of education funds first, and then answer this question.
1, which provides economic guarantee for children's education.
The education fund enables parents to establish an education insurance plan for their children according to their own expectations and their children's future education level, and calculate the money they want to spend for their children's schooling in the early stage. When the children go to school, even if the family economy is in danger, they will not have no money for their children to study.
2. Have the function of saving.
At the same time, the education fund also has the function of financial management. After more than ten years of compound interest and appreciation, education funds can often get more than double the principal, which can resist the influence of inflation to a certain extent.
From the above analysis, it can be seen that the education subsidy does have its significance and function, but it is not suitable for all families and needs to be considered according to the budget:
If the family budget is limited, it is suggested that the protection insurance for adults and children should be fully configured first.
Buying insurance should follow the principle of adults before children, security before financial management.
Before configuring child insurance, it depends on whether the insurance for adults has been completed. Because, big is the biggest dependence of children. Otherwise, even if you buy an education fund for your child, adults should spend it in advance to prevent accidents.
If the family budget is sufficient, it is planned to provide children with superior educational resources, such as studying abroad, and the cost of education will naturally be higher. It is a very good choice to buy an education fund in advance and solve the future tuition pressure through a large amount of education expenditure for many years.
Third, in 2022, the education fund worth buying
Recently, two good education fund products have been discovered, namely, Little Champion 65438 +0 Children's Annuity and Little Champion Education Fund. Let me introduce them to you:
1, Small Champion Education Fund
As a special "small wallet" for children to go to school, the role of the Little Champion Education Fund is almost the same as other products.
The small champion education fund is worth recommending because its payment method is very flexible.
Not only can you choose one-time payment, monthly payment, weekly payment and daily payment, but the Small Champion Education Fund also supports insurance, with a minimum of 1 yuan, and there is no limit to the number of times of insurance every day. In other words, even pocket money in children's daily life, lucky money for Chinese New Year, etc. You can put in the insurance policy at any time to cultivate your child's correct consumption concept and financial management ability from an early age.
Take the wholesale payment of 654.38+10,000 yuan at birth as an example. The product 18 -20 years old can receive 654.38+million yuan every year, and after 2 1 year old, it can receive 180,000 yuan in one lump sum.
That is to say, if you pay 654.38+10,000 yuan, 2 1 year, you can get 2 1 10,000 yuan in total, which is a little more than twice.
But only Beijing, Jiangsu, Henan and Guangdong provinces can sell the small champion education fund;
2. Small champion 1 children's annuity
Parents who are not in the above areas should not be discouraged. There are also many online education gold products to choose from, such as the little champion 1 children's annuity of Guohua Life Insurance.
This product can be guaranteed until the age of 22/25/30, and can satisfy people who want to get it as soon as possible and want more income at the same time. Whether you choose to give your child education money, start-up money or marriage money, it is a good choice.
For example, if you pay a premium of 654.38 million, you will be guaranteed to be 30 years old. From the age of 18, you can receive 1. 1 ten thousand yuan of living expenses/study fees every year.
At the age of 30, the child will also get married, and the little champion 1 will also pay160,000 yuan as a supplementary wedding payment.
What is the above about education fund? Is it necessary to buy an education fund? .