Education fund is a kind of financial insurance with high safety factor, low risk index and relatively fixed income. If you buy it right, of course. Buying education funds can provide a cash flow for children's future, but some education funds are just low in income and poor in liquidity, so they are not worth buying.

If you don't know whether it is necessary to buy education fund, you can read this article: Is it necessary to buy education fund insurance? 》

Education fund is a kind of financial insurance. Let's talk about its main advantages:

(1) The education fund is relatively safe and has low risk.

② The income level of education funds is stable.

However, education grants also have disadvantages:

(1) The income is low. The scheduled income is as high as 3~4%, and the education fund fails to make much money;

② Poor liquidity. Education funds need to be paid on time every year for more than ten years and cannot be easily taken out.

If you are not sure about the income of the education fund, I suggest you read this article: "If you are not sure about the income of the education fund annuity insurance, don't buy it blindly! 》

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

① The predetermined interest rate is higher.

The purpose of buying education is to increase the existing funds to a certain extent, and in the future, the existing education can also be guaranteed. The higher the predetermined interest rate of products, the higher the actual rate of return. Pay early, and it is a one-time wholesale delivery, which is conducive to improving your yield.

② Matching the education gap

The time before the education grant is agreed coincides with the period of high education cost.

For example, short-term payment of education funds, until the children go to school, to the university can begin to receive money.

Are you interested in high-yield education grants? Share the list with everyone as a reference before buying:

Evaluation of 8 education funds with the highest rate of return in 2020! 》

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