But before we start, there are some things about the education fund. Sister Xue decided to let her parents know first:
Parents must read: Is it necessary to buy education fund insurance? How to choose the right product? 》
1. What are the highlights of Xinmei Mutual Education Fund?
Before it's too late, let's take a look at the security map of mutual education funds in Mei Xin and the United States:
Sister Xue, let's discuss with you what are the highlights of Mei Xin and the United States jointly raising education funds ~
1, flexible payment method
There are four ways to pay the Sino-US mutual education daily education fund, specifically: batch payment, 3-year payment, 5-year payment and 10-year payment, which is more humane in nature.
In annuity insurance products, the shorter the payment period, the higher the income, because for some friends with sufficient budget, wholesale payment is the first choice.
However, wholesale payment has to bear greater payment pressure, which is beyond the affordability of some people, so for many friends with limited budgets, installment payment is a better choice.
In addition to wholesale payment, Mei Xin Mutual Education Fund also has annual payment options, which can meet the payment needs of different groups of people.
2. There are many forms of education fund.
According to different forms, Sino-American mutual progress education fund can be subdivided into university education fund, continuing education fund and university &; Three kinds of continuing education funds.
These three different ways of receiving education funds are all annual payments, and the amount received each year is 20% of the premium paid, but the ages of these three different ways of receiving education funds are not the same.
The age at which the university education fund can be insured is 18-2 1 year; The age of receiving the continuing education fund is 22-24 years old; The age range of receiving the continuing education fund is 18-24 years old.
The age of receiving these three different types of education funds is consistent with the corresponding education stage.
It can be seen that it is reasonable for New Zealand and the United States to set up the collection of education funds.
After understanding the highlights of the Sino-US Common Education Fund, let's take a look at its shortcomings. If you are in a hurry, take a look at the following concise version of the evaluation:
"It is said on the Internet that I buy children's annuity insurance every day, but have you noticed these? 》
Second, what are the shortcomings of the New America Mutual Education Fund?
The most obvious disadvantage of mutual education fund is the limited age range of insurance.
Mei Xin Mutual Education Fund seems to only allow people aged 0- 16 to take out insurance, which is actually related to the choice of the form of receiving education funds.
If you choose university education fund, you can apply as long as you are between 0- 12 years old; If you choose the object of further study, then friends aged 0- 16 can apply for insurance; Suppose you choose a university &; Fund for further studies, then the insured age is 0- 10 years old.
Such an insurance age setting is actually not so friendly to the insured. Let me give you an example:
If Lao Li wants to save some education funds for his 13-year-old son and chooses Mei Xin to insure the education funds for the other party every day, then the only choice is the education fund, which is actually very unreasonable.
The prerequisite for further study is usually to finish college, and after 12 years old, you can only choose the fund for further study, which is actually unreasonable.
After the above analysis, it is not difficult to find that the guarantee content of this letter-American mutual education fund is not so good.
Friends who are interested in the Sino-US Mutual Education Fund must not rush to buy it. It is best to refer to several companies before deciding whether to insure.
At this point, senior has just seen several cost-effective education funds and wants to know which ones can be poked by friends:
"The latest! The evaluation of the eight education funds with the highest rate of return is coming ~ "
Write it at the end
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