Planning children's education fund is an important topic. Here are some suggestions:

1. Set goals: First, determine the children's educational goals, including university and postgraduate qualifications. Understand the required tuition fees, living expenses and other related expenses.

2. Assess the current situation: Understand the current financial situation of the family, including income, expenditure, savings and investment. Make sure there is enough money to support children's educational needs.

3. Make a budget: Make a detailed budget plan according to the objectives and current situation. Decompose education expenses into tuition, living expenses, books, accommodation and other expenses. Allow for inflation and possible extra expenses in the future, and set aside some savings.

4. Saving and investment: In order to achieve the educational goal, we must start saving and investment as soon as possible. Use savings accounts, time deposits, stocks, bonds and other investment tools to accumulate funds for children's education funds.

5. Education insurance: Consider buying education insurance to ensure that children have enough funds to pay tuition and living expenses when they go to college. Education insurance usually has the characteristics of low premium and long guarantee period.

6. Use government funding and scholarships: Understand the education funding policies and scholarship programs provided by the government, encourage children to study hard and strive for more funding.

7. Regular review and adjustment: With the change of family status and the growth of children, the education grant plan is regularly reviewed and adjusted to ensure that it always meets the actual needs.

8. Cultivate children's financial awareness: Cultivate children's financial awareness from an early age, let children know the value of money and management methods, and lay the foundation for children's future education fund planning.