Refers to the long-term fund for children's education in the future, such as going to college.
Or the money saved is used for further study.
This money can be a one-time preparation or a long-term accumulation.
There is no special fund called education fund.
Question 2: What is an education fund? What are the functions? Education fund insurance, also known as children's education insurance, provides corresponding insurance premiums for children's educational needs at different growth stages. At present, the children's education fund insurance sold in the market includes not only the education funds for junior high school, senior high school and university, but also the after-work venture fund, marriage fund and even retirement pension fund. The emergence of children's education insurance enables insured children to reserve a sum of money at every specific stage of their lives, which reduces the financial burden of parents and fully reflects their care for their children.
As a special type of children's insurance, all insurance companies provide professional children's education insurance products. Children's education fund insurance can be divided into life insurance and non-life insurance according to the guarantee period of specific insurance products.
Question 3: What is the education fund for? What are the benefits of buying this fund? The so-called education fund is not a specific fund.
Refers to the long-term fund for children's education in the future, such as going to college.
Or the money saved is used for further study.
This money can be a one-time preparation or a long-term accumulation.
There is no special fund called education fund.
Question 4: What are the advantages of buying an education fund? Education funds can basically be obtained after graduation from college. At this time, it is still necessary to have a sum of money to start a business or buy a house to repay the loan!
Question 5: What educational fund should I buy for my children? Ask an expert for help. Funds can't replace insurance!
As the most basic and practical insurance portfolio for children, it should be based on education funds and comprehensive accidental hospitalization.
After having a sound insurance foundation, we should consider serious illness and old-age insurance, just like Gai Lou. Basic engineering is very important.
Children's insurance (education fund) means that you must have high school college education fund, extra venture fund and marriage fund!
The annual premium is about 15- 20% of the annual income, which is reasonable!
The most basic (practical) insurance portfolio for children, in short, an example of a one-year-old baby:
1. If you invest in an education fund for your child, 15 pays 80,000 yuan, your child can get 60,000 yuan for high school and college, 20,000 yuan for marriage, and 60,000 yuan is still in the account. Get a pension at the age of 60, 3000 a month, 700 thousand in 20 years! After the age of 80, there is still170,000 in the account! When you 100 years old, there will be 550,000 yuan in your account. If you 100 years old or die, you will pay another 50,000 yuan! Return 8% of the insured amount every 3 years and receive it for life!
2. Attach comprehensive accident hospitalization insurance! Including reimbursement of all unexpected hospitalization medical accidents! There is no limit to the number of reimbursement, and the waiting period for hospitalization is only 30 days! The reimbursement rate is 80%!
3. You can attach a critical illness insurance, which can guarantee you to be 88 years old, pay for 20 years, the insured amount is 50,000 yuan, and the accumulated payment is 1.6 million yuan. You can get 40 kinds of critical illness insurance, enjoy the triple disease compensation mechanism, enjoy the annual bonus and the final bonus at the same time, and receive 50 thousand yuan at the end of the contract at the age of 88!
Question 6: What are the benefits of buying a one-year 10000 yuan education fund for children in the future? You can invest a sum of money when your child doesn't go to school and the family expenses are relatively small, and then take it out as education expenses when your child goes to college. I usually go to Hong Kong to buy investment and savings insurance, and the one with the highest income can triple in about 20 years. Because it is a long-term investment, it is very suitable for education funds and retirement funds.
You say 10 thousand a year, you pay five years, that's 50 thousand altogether Then 20 years later, the children's college education will be about 6.5438+0.5 million yuan, which is enough for the children's tuition and living expenses for four years.
Question 7: What are the benefits of education fund insurance? Education fund insurance, also known as children's education insurance, provides corresponding insurance benefits for children's educational needs at different growth stages. Children's education fund insurance is generally purchased as soon as possible. What are the benefits of education fund insurance? Besides being an education fund for junior high schools, senior high schools and universities, it can also be used as a start-up fund after work, a marriage fund and even a pension fund after retirement. When buying children's education insurance, "premium exemption" is an option that cannot be ignored. The so-called "premium exemption" means that even if the insured (parents) encounters an accident or suffers from a serious illness, their families do not need to continue to pay the insurance premium, but the policy can still be extended. It is important to raise funds for education, but it is more important to ensure that some money can be spent on children's education. Because most children's education insurance products have premium exemption function, its risk prevention function is irreplaceable by the fund.
Choose different types of insurance, different products, and the corresponding prices are different. If you save more, you will get more later. Children's education funds must be earmarked. When choosing education insurance, parents should be forward-looking, consider other protection in advance, and choose more competitive insurance products or plans such as accident insurance, major illness insurance and hospitalization insurance. I recommend the following products for you: Tips for smart choice: Critical illness insurance should be the first choice for children's protection. Critical illness insurance can effectively prevent leukemia, meningitis and other diseases from bringing economic burden to families!
"Happy Baby" (Ⅱ) Enhanced Edition A:
* Hospitalization medical expenses of RMB 654.38+million (including diseases and accidents) * Immediate insurance payment of RMB 50,000 for accidental injuries * Minimum monthly expenditure of RMB 50,000 for death: 37 yuan Huatai "Happy Growth" children's insurance coverage:
* Accidental death, burn and disability insurance premium of RMB 65,438+10,000 Yuan * Family supplementary insurance premium of RMB 65,438+10,000 Yuan/month * Critical illness insurance premium of RMB 65,438+10,000 Yuan. Minimum monthly fee: 78 yuan.
Question 8: Does anyone know about the Education Fund? There is no such fund, only education savings, as can be seen from the following online excerpts: Education savings refers to the special savings for individuals to open accounts in designated banks according to the relevant regulations of the state and deposit a specified amount of funds for educational purposes, and it is a special savings for paying the educational expenses required for students to receive non-compulsory education. Education savings are registered in real-name registration system. When opening an account, the depositor should hold his/her (student's) household registration book or ID card and go to the bank to open a deposit account in his/her own name. At maturity, the depositor needs to withdraw the principal and interest in one lump sum with the passbook and relevant certificates. [Edit this paragraph] Background In order to strengthen and standardize the tax-free management of educational savings, State Taxation Administration of The People's Republic of China, the People's Bank of China and the Ministry of Education jointly issued the "Implementation Measures for Exempting Individual Income Tax on Interest Income from Educational Savings Deposits", which came into effect on June 65438+ 10/day, 2005. Educational savings refers to individuals who open accounts in designated banks in accordance with relevant state regulations and deposit a certain amount of special savings for educational purposes. For primary and secondary school students, the deposit period is divided into three years and six years. It's a fixed deposit in installments, and the minimum deposit for each household is 50 yuan. The directional use of education savings is a special savings for students to pay the education funds needed for non-compulsory education. The interest rate of education savings enjoys two preferential policies. In addition to the exemption of interest tax, as a zero deposit and lump sum deposit, you will enjoy lump sum deposit and lump sum interest with a preferential interest rate of more than 25%. Education savings are registered in real-name registration system. When opening an account, the depositor should hold his/her (student's) household registration book or ID card and go to the bank to open a deposit account in his/her own name. At maturity, depositors need to withdraw the principal and interest in a lump sum from commercial banks with their passbook and the original admission notice for non-compulsory education or school certificate. It is understood that since 1999, the state resumed the collection of personal income tax on the interest income of savings deposits (hereinafter referred to as interest tax), the tax-free management of educational savings has always been a weak link in the collection and management of interest tax. Because depositors open accounts in savings institutions, use false or unqualified documents to open accounts, and use false or irregular documents to withdraw principal and interest, some savings institutions even absorb deposits in the name of educational savings to complete their savings tasks, which has caused certain adverse effects on the country's financial and tax order and caused the loss of national tax revenue. This method standardizes the tax-free management of education savings from the following aspects: subject qualification, amount of education savings, account opening, deposit term, interest rate concessions, certificate management, withdrawal of education savings, follow-up management of tax authorities and savings institutions, and legal responsibility for illegally handling education savings. First, on the basis of the original maximum amount of education savings of 20,000 yuan, the amount of education savings has been clearly refined. The Measures stipulate that those who enjoy the preferential policy of exemption from interest tax must be students who are receiving non-compulsory education. When studying in a full-time senior high school (technical secondary school), undergraduate (junior college), master's degree or doctor's degree, you can enjoy the preferential tax-free policy of 20,000 yuan for education savings in each learning stage, and the total principal of education savings in each stage does not exceed 20,000 yuan. If the total principal exceeds 20,000 yuan or the principal is deposited in one lump sum, the preferential policy of tax-free education savings shall not be enjoyed. The second is to clarify the printing, collection, distribution and use of students' identity certificates (hereinafter referred to as "certificates") who are receiving non-compulsory education. The "Measures" stipulate that before the expiration of education savings, depositors must hold a passbook, household registration book or ID card to issue a "certificate" to their school; The "Certificate" is printed by the State Taxation Bureau of all provinces, autonomous regions, municipalities directly under the Central Government and cities under separate state planning, and is collected by the school at the local tax authorities; "Certificate" in triplicate, kept by the school, provided to savings institutions, and submitted to the competent tax authorities respectively; When the education savings expires, the depositor shall draw the principal and interest with the passbook, residence booklet or ID card and "certificate", and the savings institution shall carefully examine and approve, give tax-free preferential treatment to those who meet the conditions, and affix the seal of "having enjoyed the education savings preferential treatment" on the "certificate". The "Measures" particularly emphasize that for schools that provide "certificates" to taxpayers and withholding agents in violation of regulations, the tax authorities may impose a fine of less than 1 times the amount of individual income tax; If a savings institution fails to handle education savings in the name of education savings, resulting in withholding tax, it shall recover the tax payable from the taxpayer and impose a fine of more than 50% and less than 3 times the tax withheld on the withholding agent. [Edit this paragraph] Account Opening Description Account Opening Object
The account is opened for students above grade four (including grade four).
Term and starting amount of deposit
The deposit period of education savings is divided into one year, three years and six years. Education savings deposit in 50 yuan ... >>