1. Calculate the required amount of education expenses, and plan according to the calculated amount, taking into account tuition fees, inflation and other factors;
2. Education expenses are rigid expenditures and must be prepared. Therefore, you should buy it as soon as possible. The earlier the income, the more leisurely the future will be.
3. The purchase varieties of tuition fees for education funds should be mainly low-risk varieties such as national debt, bond funds with more than 4 stars and annuity insurance of insurance companies; For the living expenses of education funds, we can choose some categories with higher returns and greater risks, such as index funds, according to the length of planning.
4. The calculation method of the final value of annuity can be used for the specific cost planning calculation of each period, and the yield can be considered by referring to the average yield of similar products in recent ten years combined with the change trend of yield.