Because the purpose of your fixed investment is to save money for your children to go to school in the future, it is not recommended to invest in risky funds. Consider the allocation of funds, which include both stock investment and bonds. , you can increase stock investment when the market is good and maximize the income. In the volatile market, the resilience is still relatively good. Recommended: Yinhe Steady Fund, Huaan Configuration Fund and Guangfa Steady Fund.

Besides, you are preparing for your child's educational reserve. In fact, some insurance companies now have similar dividend products, specifically for children's growth education. It can also be considered, but for dividend-paying products that invest in insurance, the defect is that the investment period will be longer, and there will be some losses in the middle of surrender.