Take the dream future education fund, an excellent product in the market, as an example. The minimum premium requirement is 50,000 yuan for wholesale and 20,000 yuan for long-term payment. Choose to pay for 3 years, and the annual premium is up to 66,000; Choose to pay for 5 years, and the annual premium is up to 39,000.
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However, before buying education funds for children, consider the following questions before matching products:
1. When will this money be used and how much will it cost?
Baby/kloc-will go to college in 0/8 years. According to the current price level, it will cost at least 654.38+10,000 yuan to finish four years of college. According to the long-term inflation rate of 3%,170,000 yuan will be prepared.
2. How much can I invest now and how much can I invest every year in the future?
The couple just joined the work and just bought a house with the help of their parents. They don't have much savings on hand. 1 This year, they can spend 20,000 yuan, and in the future, they can spend about 1 10,000 yuan to prepare education funds.
3. How much risk can you bear? What is the expected rate of return?
Because the baby 18 will go to college anyway, this is a rigid expenditure, so the husband and wife don't want to take too much risk, hoping that the income will be guaranteed and there will be room for appreciation.
I suggest that you must not buy education funds without providing basic protection for your children.