Hello, to accumulate education funds for children, we must first see that this money will be spent with rigid demand every once in a while. For example, if you start investing this year, you will face the cost of going to kindergarten next year. Therefore, I don't advise you to pursue too high an income. You can make a fixed investment in the fund, but you must consider reasonable allocation, because when you are in urgent need of funds, if you catch up with the fluctuation of the securities market, your principal is likely to be damaged. Education insurance generally has a long term and the income is really average.

I made such a portfolio for my children and took out 654.38+10,000 yuan at one time, of which 50,000 yuan I subscribed for a corporate bond with an annual interest rate of about 8% and a term of 7 years. Of course, this requires you to have some experience in investing in bonds. Generally, you can get close to 10% by doing tax avoidance once a year and adding the bid-ask price difference. Of course, you can also buy bond funds directly, such as E Fund's stable bonds, and the average annual yield in the past three years can reach about 6%. This fund can be used for primary schools and even junior high schools. Of the remaining funds, 30,000 yuan is directly purchased from the Monetary Fund, and the annualized rate of return is roughly equivalent to 1 year deposit, which is mainly used for kindergarten expenses after three years. The remaining 20,000 yuan was divided into 12, and I started to invest in hybrid funds. I will continue to invest after one year. ) I invested in Harvest Research Selection (0700 13), and the total income in the next three years is almost 20%. The money has been invested for children's high school and college expenses. If you plan to send your children to study abroad, you can increase your investment. Now, we put all the children's lucky money in the fund. You should have confidence in China's capital market and learn more about relevant knowledge and information.

If you have any questions, please feel free to ask me. If you are satisfied, please accept them. Thank you!