One: If we attach importance to education, we should first choose the education fund. In fact, for children, in the growth stage, we should first deal with the risks brought by accidents and diseases, and the order of insurance should be accidents, medical care and serious illness, followed by investment products such as education funds. We should follow the principle of "guarantee first, then invest" to avoid putting education funds in the first place of children's insurance, and risk protection is the most important.
Two: If you love children, you will give them a high sense of security. When parents buy insurance for their children, they must understand the scope and amount of protection. The actual safety needs of children should be judged according to the current and future actual situation of children, and should not exceed the actual economic capacity of families or the actual situation of children.
Three: children's education and financial management, do a complete life plan. If parents only consider preparing their children for high school, university and studying abroad, they can choose children's education insurance that returns a certain amount of survival money at the agreed time every year, and the guarantee period should not be too long, usually until they are 25 -30 years old.
. Fourth, the cost performance of education funds is not too high. Children's education gold insurance does have the problem of low yield, but parents should pay more attention to the nature of insurance when buying insurance for their children, and should not pay too much attention to the income. Under the premise of no other guarantee, parents should be cautious when planning their children's education simply with such products.