The essence of education fund is annuity insurance and financial insurance. The education fund has high safety factor, low risk index and relatively fixed income. I think it is necessary to buy it.

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The advantages of education grant are:

① High security and low educational risk.

② The income from education funds is relatively stable.

However, the education grant also has some disadvantages:

(1) The income is low. The maximum scheduled income is 3~4%, and the education fund does not earn much;

② Poor liquidity. Education funds should be paid on time every year, with a lock-up period of more than ten years.

Let's talk about what a good education fund should look like ~

① The predetermined interest rate is higher.

This is also the attraction of education grant: it can not only increase the existing funds, but also guarantee the children's future education. The higher the predetermined interest rate of products, the higher the actual rate of return. If you want to increase the rate of return, you can choose to make a one-time delivery earlier.

I wonder what a barge is. This article can tell you the answer: "What do you mean? What are the benefits? 》

② Matching the education gap

The time when the future education fund can receive money should correspond to the time that education needs to spend the most.

For example, if you only want to get money when you go to college, then choose short-term payment to protect the education fund until your child goes to college.

Want to know what types of education grants are strongly recommended? A number of notes on the essence of evaluation products are for your reference: "Evaluation of 8 education funds with the highest rate of return! 》

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