& gt0 1 deposit bank

Set aside a sum of money in the bank every year as a baby's education fund: the advantage is flexible access. Disadvantages are also due to flexible access and easy to be affected by external factors, (personal risks, personal investment and financial preferences, etc. ) midway interrupted, there is no way to ensure the compulsory education funds.

& gt02 Fixed Investment Fund

Choose market funds for fixed investment: Advantages: Long-term investment and holding can effectively increase investment in education funds. Disadvantages: If parents do not have perfect family security, they are also easily affected by personal risks and are interrupted halfway. And the fixed investment fund still has forced liquidation due to limited issuance scale or investment failure, which leads to the suspension or termination of fixed investment. Individuals need certain investment knowledge and have certain risks!

Suggestion _ Nature of insurance

& gt0 1 traditional education fund insurance products

If the baby is the insured, deposit it into the education fund every year and get it on time! There are dividends! Personally, I think this kind of products belong to the nature of banks and compulsory savings. What is superior to banks is that the insurance premium paid by the insured when there is risk (such as payment period) can be exempted, and the investment of education funds can be guaranteed. Disadvantages As an insurance product, its family security is of little significance.

& gt02 Associated Insurance

As the latest generation of insurance products, it has both protection and investment functions. It is the concept of term insurance plus fixed investment fund! Its investment account can be used as a special account for education funds! It has flexibility and strong investment income. Compared with the traditional fixed investment method, there is a problem of forced liquidation regardless of the fund size or investment failure. In terms of security, it can be designed for babies or parents, which can realize low premium and high security, and has powerful additional functions! It requires a high professional level of agents. If there is investment income, there is investment risk, so the insured is required to accept certain investment risks! In theory, there are uncertain factors to guarantee the education fund, because the investment time can be ignored for the fixed investment, but it depends on the selling time (redemption time). If the market falls, there may be a decrease in income or a loss of principal!

& gt03 Universal Insurance

Universal insurance is variable life insurance. Its product functions have the same characteristics as investment-linked insurance: perfect risk protection, investment (investment-linked insurance) financial management (universal insurance) function, flexible adjustment function (insurance amount, payment and collection), transparent product operation and clear deduction of various expenses.