At present, it is the marriage tide and birth tide of the post-80 s and post-90 s generation. Many young couples are children themselves, so bringing up the next generation is a kind of physical and mental pressure for them. Aside from psychological factors, just talk about the economy: they not only have to bear the mortgage and car loan, the support of their parents, the courtesy of their relatives and friends, but also bear their own daily expenses. Once you have a child, it costs two or three thousand yuan a month. It's really a little difficult for the young couple. Among them, 28. 1% parents said they would "give up" the opportunity to have a second child even if the policy allowed, and 17.2% parents said they would "give up". Only 8% of the parents surveyed gave up giving birth again because of the hard work of raising their children. Obviously, most parents are frightened by the cost of raising their children.

So where is the annual child care fee of 30,000 yuan spent? Ms. Lin, a 38-year-old mother, said that she spent a total of 50,000 to 60,000 yuan on early pregnancy protection, mid-term nourishment and late hospitalization, and the living expenses of giving birth to a child in the hospital were astronomical. In 2007, a can of Mead Johnson milk powder 180 yuan has now risen to 220 yuan. The supply of Hong Kong edition is in short supply, and 280 yuan was fired to a can, which is expensive 100 yuan. In the future, the cost of children attending kindergartens and training classes will increase year by year, far exceeding the speed of wage growth. Ms. Lin said helplessly that at the thought of her children going to college, she was almost 60 years old, and the university education fund should be prepared as soon as possible, otherwise it would be beyond her power.

So now many post-80s and post-90s couples choose to buy education fund insurance, so that even after retirement, children don't have to worry about the funds for schooling.

Having a child is already stressful, so many people almost no longer consider having a second child. Although China has relaxed the policy of having a second child in recent years, many couples still give up the opportunity to have a second child. In the next few years, China will remain at a relatively stable low fertility level. When you have a second child, you should consider buying education fund insurance for your child. Prudential insurance in Hong Kong is recommended here. They have life insurance, ideal life insurance and other insurance to protect children's learning expenses. You can consult me to find out. I am a licensed financial consultant (not an intermediary or a third party) of Hong Kong Insurance, providing professional and objective financial analysis and services to customers and providing personalized solutions. Welcome private messages.