Without savings, how to invest? The savings of children's education fund must follow the principle of regular deposit of a sum of money every month or year. We can accumulate funds through bank deposits or by choosing some excellent funds with low risk for fixed investment. This method is more suitable for families with weak economic foundation.

Mode 2: Single long-term investment

If the family can set aside a sum of money, such as 6.5438+10,000 yuan or 200,000 yuan, as a child's education fund reserve, then they can choose a one-time single investment, such as long-term purchase of bank wealth management products and national debt, and on the basis of compulsory savings, use a sum of money to make some steady investments to increase value.

Mode 3: Buy children's education insurance.

For this way of saving children's education funds, good planning does not recommend most families to choose. After all, it is insurance, which has the nature of expected annualized expected returns and returns. The annual premium may be a burden for many families.

Even if we can afford education insurance, we should remember that parents are the umbrella for our children. Parents should first make a good risk protection plan, stabilize their umbrellas, so that their basic life and future studies will not be affected. Therefore, both husband and wife should have adequate protection before saving education funds for their children.

There are two forms of children's education fund insurance: one is pure education fund annuity insurance, which provides education expenses during junior high school, high school and university. The second type is financial insurance with investment function, such as universal insurance and investment-linked insurance, but since it is an investment, risks will also exist, so which one to buy must be considered from its own risk tolerance and demand.