How to plan your future?

The future is not only the competition of science and technology, but also the competition of talents. It is said that education is the best investment. No matter whether you want your children to fight back or inherit the family business, every parent places their hopes on their children. A good education can help their children develop well and gain a foothold in society. The weak become stronger and the strong become stronger, which is inseparable from quality education. At the same time, this is also the reason why many parents send their children abroad for the best education at all costs.

How to plan children's future;

Planning is an indispensable work in life. Career planning, life planning and education planning are full of uncertainties, and people who plan ahead have relatively strong ability to resist risks.

An important part of children's future planning is the reserve of education funds, which usually includes education savings, insurance, fixed investment and children's education trust. Because education cost is a rigid demand and there is a certain demand for security, high-risk financial management tools are generally not used.

1, education fund reserve

Banks have special savings tools to reserve education funds for children, but they are limited. The limit is 20 thousand, and children can only do it after the fourth grade, and dropping out of school must be certified by the school. The operation is troublesome, the quota is low and the income is not high. In addition, at present, the interest rate of domestic banks is relatively low, with annual deposit 1.5% and CPI 3% 3%, and almost all the money saved every year is eroded by inflation. Therefore, education savings is not a good way to reserve education funds.

2. Education gold insurance

There are also customized education fund insurance in the market, such as paying in advance, from 18 years old to 2 1 year old, how much money will be returned to you every year, and the function of education fund is realized by combining annuity insurance with universal account through partial withdrawal. Compared with the above-mentioned educational reserves, the income and flexibility are relatively high. However, in the event of an accident, such as an accident of the payer, the insurance company will continue to prepare the education fund, and there is no other tool to replace it for the time being. This kind of insurance is not advisable if you want to send your children abroad.

3. Fixed investment of the fund

At present, the fixed investment of the fund is a more suitable tool for preparing the education fund. Its advantage lies in reducing risk and average cost through long-term installment investment, which helps us to make full use of time value and realize the accumulation of education funds. No matter whether the children study at home or abroad in the future, this kind of investment is very suitable and the income is stable. If they choose according to their own risk preference, they can also get higher income and improve the total income level. At the same time, it also has the functions of inheritance, tax evasion and insurance.

Why choose overseas funds to invest?

The earlier the education plan, the better, especially for families who plan to let their children study abroad. Seeking professional planning can not only save labor, but also maximize your own investment income, taking into account children's education expenses and living expenses. Today, I brought you the basic knowledge about education planning, and Bian Xiao will continue to introduce it to you tomorrow. If you improve your child's chances of going to a prestigious school, how to save money to study abroad is welcome.

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