Golden Future Education Fund is a new annuity product of Alipay, which is underwritten by PICC Life Insurance. The yield of this product is ok, but the money returned every year will be directly transferred to the universal account for appreciation, so the invested money needs to be locked for many years before it can be taken out.
First of all, the main contents are as follows:
(1) Return a certain amount every year;
(2) If the refund amount is not collected, it will be directly deposited into the quality universal account, and you will enjoy the minimum guaranteed rate of return of 3%;
(3) Comprehensive protection, covering 162 serious illness, and double compensation for children's specific serious illness.
Of course, there are still a few points to pay attention to when buying:
1. Who can buy the Golden Future Education Fund?
(1) Insurance age:? 28 days-12 years old
(2) obstacle period:? Guaranteed to 30 years old (lifetime universal account)
(3) Payment period:? 10 March 5th
The universal account of this product is guaranteed for life, that is, funds can always be put in it to increase value.
2. How much can the Golden Future Education Fund receive?
Products such as Golden Future Education Fund are very complicated, and there are a lot of technical terms in the plan, which many people don't understand.
In fact, we can simply regard the Golden Future Education Fund as two capital accounts:
Annuity account:? Return a fixed amount within a certain number of years. Because this product pays dividends, there will be uncertain dividends every year;
Universal account:? Annuities returned each year will be added to the universal account. The universal account here is matched with quality gold annuity insurance (universal type), and the guaranteed interest rate is 3%;
For example, if 30-year-old Mr. A bought a golden future education fund for his 0-year-old son.
The annual investment is 842 yuan, 10 year, and the insured amount is 2000 yuan; (The insured amount of this product on Alipay is fixed at 2000 yuan per copy, and multiple copies can be insured to increase the insured amount. )
Second, the choice of education funds.
We all want to buy the best for our children, but we need to know what is the best and what is the best. Here, Dad shared an article about the education fund, which contained a detailed introduction: Do you have the education fund ready to give the best to your children?
Summary:
Finally, most parents want to give their children the best, but we need to know what is the best and what is the most suitable, so we should choose carefully when choosing to buy education funds and make a decision after careful consideration.
I hope dad's answer can help you ~
Source: insurance knowledge class