First, do a good job in overall family planning; The core goal of our family planning is family happiness, so we must fully combine the individualization of the family. For example, after the policy is liberalized, do you and your partner have a second child plan? What kind of educational ideas do couples have about their children's education, and do they want to go to public or private schools? Only by reaching more consensus can finance cooperate better.
In addition, the education subsidy is a medium-and long-term expenditure, and the amount is large, which requires special planning, but first of all, the basic economic security of families, that is, the protection of diseases, must be guaranteed. To give an extreme example, Xiaoming's family used to be middle class, and his father suddenly became seriously ill, and the living conditions at home plummeted. All the savings in his family were used to treat him. In the end, Xiao Ming could only complete his studies by working and receiving scholarships, and his original plan to study abroad after graduation was also stranded.
Therefore, the premise of considering financial insurance is to do a good job in basic disease protection first, and if there is extra budget, then consider education funds.
Second, collect targeted education information, including tuition information, and further analyze it; The expenditure on children's education usually has two peaks, one is the preschool stage, and the other is the preschool stage from higher education to junior high school. Children's interests are uncertain and flexible. We can prepare education funds from the perspective of relaxed teaching to cope with the different choices of future children.
At the same time, the education grant planning should also consider the age and wishes of children. After the college entrance examination, especially when studying abroad costs a lot, you can consider letting your children take part in the expenses and live on their own. On the one hand, it can cultivate children's independent spirit, on the other hand, it can also reduce the burden on parents.
What style of education system is chosen, the cost of education funds will be different. It is necessary to constantly combine the child's qualifications and personality characteristics to dynamically understand the relevant tuition information.
Third, set more specific tuition goals; Evaluation Jun shares a table with you. What needs to be reminded here is that this tuition target is only set to facilitate us to start education and financial management earlier, rather than asking for an absolute standard answer. It will be more operational to set an interval from the basic value to the ideal value.
Fourth, set up an investment plan; The common method (combination method) is to use low-risk safety investment to find a basic tuition fee for children and go to school with peace of mind; Then combine some products with relatively high risks but high returns, so that these funds can bear more short-term fluctuations in exchange for higher long-term returns, make children's education funds more abundant, and achieve the ideal value of tuition fees as much as possible.
5. After the investment plan is set, it should be practiced and constantly adjusted and reviewed according to the actual situation: the education fund planning should be combined with the family's personal situation and give full consideration to the children's situation. Education grant is a personalized product, which needs professional planning and continuous follow-up and revision in the later period.