The process of educational investment planning generally includes the following five steps:? 1. Determine the educational goal: roughly determine the level of higher education that children expect to receive in the future, including what kind of school to attend and where to go. Defining goals and choosing schools is the first and most critical step for financial planners to help clients make scientific education investment plans.

2. Calculate the educational fund demand: According to the above customer demand, estimate the current educational cost of children and the tuition growth rate from the current time to the time when children receive higher education, and calculate the educational fund demand needed by children at that time.

3. Calculate the education fund gap: According to the customer's existing children's education fund savings, investment and education goals, calculate how big the fund gap is to achieve the customer's children's education planning goals.

4. Formulate educational investment planning scheme, and select appropriate investment tools and product portfolio: formulate corresponding asset allocation scheme and recommend appropriate investment tools according to customers' educational financial objectives and capital needs, and prepare for educational funds through long-term investment.

5. Follow-up and implementation of education investment planning: regularly check the implementation of education investment planning, and timely adjust education investment planning according to changes in economic and financial environment and customers' own situation.