1, Education Trust
As a subdivision of family trust, children's education trust is a newly emerging transactional trust in China. Simply put, parents let a trust company invest on their behalf and keep an asset. When children need funds to go to school and start a business, the trust company will arrange payment.
Children's education trust has its own unique advantages as a whole.
First, the risk trust can be isolated. Legally speaking, the trust property will not be affected even if the client is heavily in debt or caught in economic disputes in the future.
Second, payment can be guaranteed, and the beneficiary can get the study fee and venture capital after meeting the conditions stipulated in the trust agreement.
But for ordinary families, the pressure is great, because its threshold is extremely high, generally between 10 thousand yuan and 10 thousand yuan, which ordinary families can't afford
2. Education fund insurance
Education fund insurance is a special insurance for children. Simply put, it is insurance for the purpose of preparing education funds for children.
Generally speaking, education fund insurance has four advantages.
First, it has the function of premium exemption, that is to say, the insured (parents) unfortunately die or are completely disabled, and the insurance company will exempt all children who have not paid the premium and can continue to receive protection and funding.
Second, it has the function of compulsory savings, accumulating education funds and ensuring that children's future education expenditures are earmarked.
Third, it has the function of insurance. Once the insured is at risk of illness, accidental death, high disability, etc., he may not pay the premium for the children's education fund reserve plan, but the original rights and interests of the policy remain unchanged, and he can still provide the children with the expenses for future education.
3. Fixed investment in education funds
Fixed investment is the abbreviation of fixed investment fund, which means that investors invest a fixed amount (such as yuan) in a specified open-end fund within a certain period of time, similar to the fixed deposit and withdrawal method of banks. As a kind of fixed investment, the education fund is deeply loved by many parents.
The above three ways of education and financial management are favored by many parents. How to choose investment products for children's education, parents can choose financial products suitable for their families according to the above introduction.