1, earmarking: special accounts should be set up for children's education, just like personal pension accounts are used for retirement planning; The housing accumulation fund account is used in the housing purchase planning, and only in this way can it be used for special purposes.

2. There is no time flexibility: children will go to school at a certain age (for example, they will go to primary school at the age of 7, and they will go to college at the age of 18), and they cannot be postponed because of insufficient tuition fees.

3. There is no cost elasticity: the basic tuition fees at each stage are relatively fixed, and these fees are the same for every student.

4. There is a big gap in extra expenses, so we must be prepared: children have different qualifications, and the related expenses in the whole education process are very different. It is better to prepare more than less.

5. It lasts for a long time and the total cost is huge: the total expenditure on continuing education for children in the past 20 years may be more than the purchase expenditure.

6. Staged high expenditure: for example, college education, the average child is 20,000 per year and 80,000 in 4 years; The total cost of studying abroad is more than 6.5438+0.5 million yuan. These expenses have a short payment period and high payment cost, so it is necessary to make financial preparations in advance. What kinds of critical illness insurance for children are available? Which are cost-effective? Which is the most worth buying? Let's take a look at 10 the inventory of children's critical illness insurance sold by major insurance companies.

Second, the benefits of earmarking education funds

1, required item, which must be saved at that time;

2, a number of bank guarantees, small and wide, use small money to solve the problem of big money;

3. Unique exemption function to solve worries;

4. Establish a concept of financial management for children, so that children can understand that no matter how rich I am, I will take out a small part to prepare for my retreat and be prepared for danger in times of peace.

Third, the advantages and disadvantages of education insurance

The advantage of education insurance is that it has both savings and security functions. Under normal circumstances, the insured can not only pay a certain amount of education money on schedule after a certain age, but also provide the insured with the advantages of accidental injury or illness death and exemption from death or high disability premium. The disadvantage is that it can not be withdrawn in advance in the short term, and the liquidity of funds is poor. Early surrender may lose the principal. So if you buy the wrong insurance, do you want to surrender it? If you surrender, why don't you lose money? Can I return the wrong insurance? How much can I refund if I surrender? How to surrender in full?

Four, the common way of children's education fund insurance

Children's education fund insurance is common in the following two ways.

One is to receive it according to a fixed proportion to ensure that children have enough education expenses every year when they receive higher education; The second is investment insurance, which can achieve our goal through regular fixed investment. By choosing a suitable account, you can achieve higher returns than banks and lower risks than direct investment in the stock fund market, and you can take care of both aspects. When choosing education funds for children, it is best to choose products with premium exemption clauses. Once the parents of the insured suffer misfortune, death or total disability, the insurance company will waive all unpaid premiums and the children can continue to receive protection and assistance. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China