You can invest a sum of money when your child doesn't go to school and the family expenses are relatively small, and then take it out as education expenses when your child goes to college. I usually go to Hong Kong to buy investment and savings insurance, and the one with the highest income can triple in about 20 years. Because it is a long-term investment, it is very suitable for education funds and retirement funds.

You say 10 thousand a year, you pay five years, and the total amount is 50 thousand Then after 20 years, children will need 1.5 million yuan to go to college, which is enough for their tuition and living expenses for four years.