First of all, everyone should know that education funds can't be bought with the wind, so it's unnecessary. Many parents buy education funds just by watching others buy them themselves, which is actually wrong.
If you don't know whether you are suitable to buy education fund insurance, you can click on the appointment 1 insurance planning service, and the deep blue insurance _ centralized insurance broker will provide you with professional advice.
Education fund is essentially a kind of financial insurance. Buying insurance should follow the principle of "insurance first, then financial management", so accident insurance, critical illness insurance and medical insurance should be given priority. If the guaranteed insurance configuration is complete, then consider whether to buy an education fund.
Secondly, the price of education funds is relatively expensive. For ordinary families, it may be enough to provide security insurance for the whole family, let alone buy an education fund.
Therefore, the education fund is not necessary, and we should consider from many aspects whether it is suitable for us to buy.
If you want to buy friends with education funds, you should first ask yourself two questions:
1. When do you need money?
Before buying education funds, we need to know when and how much children need. This must be planned in advance.
For example, if your child is 10 years old, it is not appropriate to choose products that will take more than ten years to collect money, because your child has entered the society in his twenties, and collecting money will basically not play the role of education money.
2. How much can education funds be invested every year to ensure uninterrupted?
It takes some time to invest in the education fund. Some parents can spend tens of thousands of dollars in the first year. When the next few years are really difficult, they have to reluctantly surrender. At that time, they will not only lose a sum of money, but also lose the original intention of buying education funds.
Therefore, ordinary families are not suitable for buying education funds. Generally speaking, there are the following types of people who are suitable for purchasing education funds:
Family member protection insurance has been fully configured;
There is an idle fund, hoping to obtain safe, steady and certain income through financial insurance;
There are other investment channels, such as real estate, stocks and funds.
If the above conditions are met, it is ok to buy an education fund for children.