The biggest investment is in children's education. Liu Yunshan, an associate professor in Peking University, has done statistics. In the 1980s, 30% of Peking University students came from poor families, but in the 1990s, the proportion of poor families began to decline. After 2000, the proportion of poor families only accounted for 10%. Why? As a result, the gap between the rich and the poor in China families is widening. The proportion of children from families with better conditions attending Peking University Tsinghua is much higher than that from families with poorer conditions.
Coincidentally, the former president of Harvard University once famously said: If you think the cost of education is too high, try the price of ignorance.
Therefore, the best investment is education.
What have you prepared for your children to educate them? How to prepare will have a great influence on your children.
1, the education fund is a necessary fund that only parents can prepare. This sentence is indisputable. It is strange that the children's education fund is not prepared by their parents. Therefore, how to operate the necessary reserves and how to save in that way are issues that we should think about.
Education investment is different from other investments in several aspects.
Compulsory, compulsory savings, whether you like it or not, children should have a sum of money when they are educated.
Long-term, long time, the longer the investment in education, the better. Give them everything they have and let them receive a better education. The better they go to school, the different the platform will be.
The amount is very large, so I have to say that the cost of raising a child is not less than the value of a million houses.
Such a rigid expenditure is inflexible, persistent and expensive. Are you ready as a parent?
2. What should I pay attention to in the preparation of education funds?
Safety enforcement, to ensure that children have money when they use it.
Liquidity is flexible enough to withdraw money when it is used.
It is best to have a stable income, which is not required to be too high, but to ensure a stable and continuous appreciation.
There are many kinds of reserves in the education fund. Why choose insurance (annuity or life extension)?
Let's talk about the benefits of insurance, compulsory savings, children's education investment is a rigid expenditure, so you must have a sum of money when you need it, because compulsory savings of insurance will guide you to save this money, and if you don't save it, you must save it. If you can keep it, you will see so much in the future. If it is not saved, there will be economic losses. People will seek advantages and avoid disadvantages and force themselves to save the money.
Rights and obligations in safety and insurance guarantee contracts. This is written in black and white in the contract. I have heard of the insured's breach of contract, but I have never heard of the insurance company's breach of contract. So the interests stated in the contract are vested interests.
Hedging against the risk of collapse of earning power, accidents and diseases are really everywhere. Who can guarantee that the insured does not have such risks during the savings period? When you are healthy, you leave it to your children. If there is a risk, the insurance company will help you save it, no matter whether you are here or not, the benefits of the policy are there.
To ease the economic pressure, you have saved a sum of money, and when you need the money, your child's education fund can't be moved. You will say that I will use it to make up for it first, but what if I can't get through this hurdle or I don't make up for it? Insurance can be used as a loan function, and you can alleviate the current predicament without giving your savings to your children.
Of course, insurance also has many disadvantages, such as surrender loss, low income, and it takes some time to see the return.
Therefore, when insuring, you must determine your own needs and then insure. I just want to save some money for my children. When your child goes to college to start a business, you can consider insurance.