There is an age limit for education savings, which can only be bought in the fourth grade of primary school. Unless the bank or insurance company goes bankrupt, education fund insurance is as risk-free as "education savings". There are two advantages to handling "education savings" in the bank: first, tax exemption: exemption from interest tax. 2. Preferential interest rate: the one-year and three-year education savings will bear interest according to the interest rate of lump-sum and lump-sum time savings deposits of the same grade in the same period on the account opening date; The six-year term shall bear interest at the five-year lump-sum deposit rate on the account opening date. The difference between handling "education savings" in a bank and buying education fund insurance in an insurance company is mainly manifested in the following aspects: First, "education savings" is subject to many restrictions: 65,438+0, and the quota is limited: education savings can only enjoy tax exemption and interest rate concessions of 20,000 yuan in technical secondary schools (full-time high schools), universities (junior colleges) and graduate students respectively, that is, each person can enjoy three preferential treatments at most, with a maximum limit of 60,000 yuan. However, there is no limit on the amount of education fund insurance, and you can buy as much as you want. 2. Education restriction: children can only enjoy the preferential policies provided by "education savings" once without going to college, and can only enjoy the preferential policies provided by "education savings" twice without going to graduate school. If you buy education insurance, as long as the child reaches the corresponding age, you can receive education funds and bonuses: 16-25 years old, or 16-30 years old, but it is not required to have the corresponding academic qualifications. Education grants and bonuses are also tax-free. 3. Limitation of saving methods: "Educational savings" can only be used for one-year, three-year and six-year time deposits. You can't save 20 thousand at a time (otherwise you won't enjoy preferential policies) When purchasing education fund insurance, you can pay the insurance premium on an annual, quarterly and monthly basis, or you can pay all the insurance premiums at one time, from the birth of the child until he 17 years old. 4. Ineffective interest rate: If the interest rate of "education savings" is adjusted during the deposit period, it will still bear interest at the interest rate on the account opening date. ? However, if there is dividend in education insurance, the dividend can avoid the risk of bank interest rate reduction (insurance companies can use more funds to buy securities and leave less funds in banks); On the other hand, if the bank's interest rate increases, the education bonus will also increase. Second, the education fund insurance can be "reinsurance": the education fund insurance can be attached with a "premium exemption" clause, that is, if the insured (that is, the child's father or mother) dies or is completely disabled before starting to receive the education fund, the insurance premiums for subsequent periods can be exempted and regarded as payment, and the child will receive the education fund and bonus in full when it expires. In this sense, education fund insurance gives children more protection than education savings. At present, it is better for domestic private placement websites to arrange private placement. Haobuyang prefers to raise funds publicly. Then only Jinshan Fortune Network can provide one-stop high-net-worth services and private placement. I hope the answer is useful to you.