Make sure you don't need to use annuity insurance in the near future, because early surrender will only return the cash value at that time, and there will be some losses.

Take the preparatory education fund as an example. It will be used at the age of 65,438+08, but the investment period of children of different ages is different.

Give a few examples:

If the child is just born, invest 18 years: Hongkang Xiaojin Pig, Bohai I Baby and Haibao Fu You Jinsheng can all be considered, with average annual income of 3.75%, 3.66% and 3.65% respectively.

If the child is 3 years old, the investment 15 years: the yield of Guohua Fuduo is 3.76%, which is relatively high.

If the child is 8 years old, the investment 10 year: Sino-Dutch Jinfuduo has the highest rate of return, reaching 3.65%. In 2020, the national insurance education fund has not been paid, and it is a loss to surrender at this time.