From the birth of the child
How to save education funds for children? We should prepare the same amount of education funds from the birth of children. The earlier we prepare, the easier it is.
Staged investment
Generally, education funds are reserved in a cycle of ten years, and the accumulation of education funds is gradually completed, so as to reduce the pressure on family finance when spending. During this period, the investment mode can also be divided into different stages. In the first stage of children and adolescents, a more radical investment strategy can be adopted. In the next few years, with the growth of children, the time needed to use education funds will be gradually shortened, and a cautious and conservative investment strategy should be adopted.
Choose the right product
The education funds to be used within one year, it is best to use the method of lump-sum withdrawal. For education funds that need to be used within one to three years, you can choose products with relatively fixed income. For the reserves to be used after three years, you can choose products with large fluctuations to obtain long-term returns.
Special account
Children's education fund preparation should be a stable and professional investment reserve. Many financial experts suggest that children's education funds should be earmarked, and parents had better open another account.