There are many educational gold products on the market. My father selected two fixed educational gold products from them and made a detailed analysis for everyone.
1. Bohai Life Insurance Monopoly Education Fund
Bohai Monopoly Education Fund, also known as Bohai Baby I, can be bought by children who arrive at 1 1 in 30 days.
Whenever you buy it, 18 years old starts to take money and gets 21; 18-20 years old, receiving 9% of the insured amount every year, and 2 1 year old, receiving 73% of the insured amount at one time.
If the child dies in the meantime, the premium and cash value have been paid, whichever is higher will be refunded.
Example: 0-year-old boy, having sex for 50,000 yuan at a time, the specific income is calculated as follows:
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We use IRR formula to calculate: 0-year-old boy has a one-time behavior, and the actual annualized rate of return IRR is 3.94%.
In addition, monopoly's investment method is also very flexible: 1 yuan, with no limit on time and amount. There are two ways to choose: saving a plan and saving a sum. All methods can be adjusted according to the changes of our economic situation, which is very humanized.
2. Fosun Baode Emerging Baby Education Fund
This is also a special education fund product with fixed income. The minimum payment is 5,000 yuan per year, and you can choose to pay for 3 years /5 years/10 years. Children born more than 30 days to 10 years old can buy it.
Income is calculated as follows:
The actual annualized rate of return is 3.40%, which is not bad. After all, we are not pursuing high returns, but stable and low risks.
Faced with the urgent need of education, it is indeed a good thing to save a sum of money by compulsory savings, which can not only have a fixed income, but also resist inflation to a certain extent and reduce the pressure of taking out a large sum of money at one time. However, we must not forget the basic principle of "safety before financial management".