We all know that nine-year compulsory education does not cost much, and normal public high schools do not need to spend much. The education fund is mainly used for training courses and interest classes attended by children at the university stage. Let's take a look at the average cost of ordinary professional universities:
Tuition: 5000 yuan/year on average.
Accommodation, etc. : 2000 yuan/year.
Living expenses: average 1500 yuan/month.
This will cost 25,000 yuan a year and 65,438+10,000 yuan in four years.
Of course, the above is only the current cost, and inflation should also be taken into account. If your child is one year old now, according to the current education policy, it will take you 18 years to go to college. According to the average annual inflation of 3%, the cost of going to college after 18 is about170,000 yuan.
This is only the basic cost standard, and it is even more expensive if children choose architecture, design, painting and other majors. If you go abroad as an undergraduate, it is not so easy for ordinary families to prepare at least 2 million tuition and living expenses for studying in the United States, which is estimated to be 300,000 per year.
In addition to tuition fees, children's training classes and interest classes should also be considered. The cost of each period of this kind is basically above 2000 now, and there is no ceiling on it. It depends on your own choice. If you want your children to attend this extracurricular class at least three times a year to middle school, then you should prepare at least 65438+ 10,000 yuan.
However, it is still far away for parents who have not given birth to a baby or just gave birth to a baby, but we can set the ultimate goal of the education fund at an acceptable amount for an ordinary family: 500,000 yuan.
This figure is terrible for some families in China at present, but we should consider compound interest, the length of investment and future income growth. For parents who are ready to have children and have just given birth, there is still about 18 years, and it is not as difficult as expected to share it every year.
There are so many ways to invest, which one to choose?
At present, there are two kinds of lazy education funds in the market: one is a special deposit for children to receive non-compulsory education savings in the future, with a term of 1 year, 3 years and 6 years, with a maximum limit of 20 thousand yuan, and the interest is higher than the general zero deposit and lump sum withdrawal, which can not meet the needs of future children; The other is education fund insurance, which has the functions of both education fund and insurance. However, from the perspective of investment appreciation of education funds, the rate of return is also average, and some are not even as high as the former. The main benefit is to save worry and effort.
Therefore, the best financial plan is to combine low-risk and high-risk products according to your family situation in order to obtain higher income.
Customized exclusive education fund
The education fund is a long-term fixed investment, and it is the key to choose a product portfolio with higher and more stable income on the basis of maintaining the value, and the income is best guaranteed to be above 5%.
I. National debt
This is the choice with the highest security level. For the education fund investment in 18 years, it is a good choice to buy stable savings-type treasury bonds with higher returns. For example, the annual interest rate of 5-year treasury bonds is 4.32%, and they are generally purchased at bank outlets or online in February, April, June, July, August and June at 5438+ 10, and the personal investment limit is1000-5 million yuan.
Two. Bank regular wealth management products
The security is high and the income is acceptable. From the perspective of diversification, you can buy appropriately.
Third, index funds.
As the only small white investment method recommended by Buffett, it is not difficult to properly consider factors such as valuation, growth, and stable dividends, and diversify investments as much as possible to maintain a long-term return of 5%-6%.
Fourth, P2P.
Compared with before, the risk of choosing P2P is relatively high, but with the improvement of the overall investment environment of the online lending industry, it is still very appropriate to start at this time.
At present, the expected annualized return of P2P is about 5%- 12%, and the longer the investment period, the higher the return. Moreover, at this stage, platforms such as Palm Wealth Management have no transaction costs and are simple to operate, which is suitable for novices and busy office workers. Choose a good product and wait for the income after the expiration. But the only thing that needs attention is to choose a reliable and compliant financial platform to ensure the safety of your own funds.
Finally, three suggestions:
First, the earlier the education fund is launched, the better, and the less principal it will invest.
Second, the special fund is special, and the account is opened independently, mainly with family spare money, and only can't get in or out.
Third, the safety of funds is the first priority. Don't blindly pursue profits. The above methods can be combined to achieve risk diversification.