No, I received a private letter from my parents and friends backstage yesterday. I want to see the evaluation of this gold medal product of Dehua Yijincai in children's education in the future. Isn't it just arranged for senior sister ~
Before we begin, Senior Sister gives you a guide to the selection of education funds. Parents and friends had better have a look:
Is it necessary to buy education fund insurance? 》
1. What is the guarantee content of Gu Future Children's Education Fund in Dehua?
Senior spent the whole night making the product shape diagram of Jincai Future Children's Education Fund. You can have a look:
As a children's education annuity, senior sister thinks that this product still has many merits:
1. Humanized collection time of survival insurance money
From the terms of Dehuagu's future children's education gold annuity insurance, it can be seen that the insured began to receive survival insurance at the age of 18. You can get basic insurance every year until 2 1 year old.
Take the insurance scheme in the chart as an example, the insured can receive 1 000 yuan every year, totaling 40,000 yuan for four years.
You know, this time is the time for children at home to go to college, and the annual tuition and miscellaneous fees and various expenses need a lot of money as support. If you have this money, it is just enough to pay for the children's tuition and fees and daily living expenses.
2. Rich responsibilities can be attached.
Dehua's future children's education pension annuity insurance can be supplemented with universal account, high school education pension and insurance exemption, which enriches the protection options of the insured.
The meaning of universal account is easy to understand, that is, it adds a source of income protection to users and has a certain probability of bringing more income to policyholders.
High school education grants also cover children in key education stages. If the insured chooses to attach this responsibility, it will bring more comprehensive protection to the children.
Worry-free exemption is also the humanized guarantee of Dehua Gu Jincai's future children's education gold annuity insurance. Assuming that the insured is diagnosed with serious illness, death or total disability, the premium can be exempted to ensure the continued validity of the contract.
However, this product also has many shortcomings.
1. Mandatory binding of universal account
Dehua an Gu Jincai's future children's education gold annuity insurance must be accompanied by a universal account, but the income of the universal account is uncertain, so the dividend obtained by the insurer is not guaranteed.
Some annuity insurance allows the insured to choose whether to attach a universal account. For example, this year's annual annuity insurance not only ensures flexibility, but also has good returns.
What is the real income of contract annuity insurance in Taikang years?
It is very unreasonable that Dehua's Gu Jincai's future children's education gold annuity insurance is forced to bind universal accounts.
It takes a long time to withdraw funds.
Although Dehua's Gu future children's education pension annuity insurance sets the annuity collection time at the stage when children go to college, it is really thoughtful.
However, once this product is insured, you must wait until the child 18 years old to receive the first annuity. If the four-year education fund is paid, you will have to wait another four to six years to receive the full insurance premium.
The idle period of this fund is a bit long, so it is not recommended for people who have other financial plans to take out insurance in the short term.
Second, is Dehua Gu's future children's educational income high?
What do you care most about buying financial insurance? This should be the income situation.
Senior, combined with the insurance example in the chart, let's take a look at the income of Dehua's Gu Future Children's Education Pension:
The calculation results show that the yield of Dehuagu's future children's education pension annuity insurance is really low.
As can be seen from the figure, the yield of this product is positive before the policy 14 years. It is in the year when the annuity is fixed (that is, 18-2 1 year of the policy) that the yield reaches a high level. But the highest internal rate of return is only 2.2%, which is really not good.
Take the same popular wealth management insurance product as an example, that is, the seven-year-old blessing. In the seventh year, the policy yield has been positive, from 18 to 2 1, and the yield has reached 2.78%, which has not counted the more impressive yield in the later period.
After this comparison, which is more cost-effective, needless to say?
3. Is Dehua an Gu Jincai Future Children's Education Fund worth buying for children?
Generally speaking, Hua 'an Gu Jincai's future children's education fund and annuity insurance guarantee responsibility are still very good, but the mandatory binding and long withdrawal time of universal account are shortcomings, not to mention its income, which is really too low.
With the rise of children's education stage, more and more funds will be needed. The income of Hua 'an Gu Jincai's future children's education gold annuity insurance obviously cannot meet the needs of children's education funds.
Parents and friends may wish to make plans early and learn about these annuities with higher yields.
Evaluation of 8 education funds with the highest rate of return! 》
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