Every time we talk about education expenditure, many parents show their helplessness. After all, education is a rigid expenditure, and even if it is poor, it will have to be spent. According to the Report on the Value of Education published by HSBC Group, according to the statistics of regions and countries, compared with the world, China's education expenditure far exceeds that of other countries in the world. Among them, China and Hongkong topped the list with US$ 132,161.

It can also be seen from the report that 54% of parents in China want their children to study abroad; In addition to studying abroad, 95% of parents want their children to receive advanced education, at least to complete a postgraduate degree, so as to facilitate future employment.

in addition to the above report, some people have counted the top ten cities in terms of the cost of raising a baby. The first-tier cities are the highest ranked, and the cost of raising a baby in Shenzhen and Guangzhou in the north is the highest. The education competition in these cities is fierce. Parents not only have to buy school districts for their children, but also have to arrange various interest classes. The cost of raising a baby is definitely high.

In addition, Hangzhou, Nanjing, Wuhan, Qingdao, Xi 'an and Changchun are all on the list, and many people are surprised. Why are Qingdao also in the top ten? In fact, the cost of raising a baby is generally high. In the eyes of parents in China, education is a necessary expense, because these expenses determine how far children can go in the future.

Not long ago, there was a parent-child variety show, in which a father of three children made a speech, which also aroused everyone's * * * sound: raising children is too expensive. On the show, once he counted the children's daily expenses and surprised everyone. In addition to the necessary milk powder, diapers, clothes, shoes and socks, there are also expenses for early education and seeing a doctor. After a simple calculation, it is at least more than 1,. Because there are so many things to prepare for children, he even reserved a room for children's things.

In addition to this father of three, there is also The Richest Man in Xihong City, in which Wang Duoyu, the hero, wanted to donate all his inheritance, but the baby in Xia Zhu's belly mentioned the couple at this time. This foot also reminded them that how can all the money be donated? What about the children's future education expenditure? As a result, the husband and wife worked out a long list of living expenses and interest classes. Degree rooms, insurance, etc., must be prepared for children. I believe that many parents are bitter when they see this: where is this comedy? This ending is clearly to bring reality up.

Before, there was a hot topic in Zhihu, # Having a child with an annual salary of 5, is moonlight #. This is a 32-year-old father with children, each with a monthly salary of about 47 thousand. He hasn't bought a house or a car in Beijing, and he doesn't have a Beijing hukou. His monthly rent is 13, months. Every month, the family spends at least 12 thousand; Fruit, shopping, books, snacks, transportation, medical expenses and other purchases add up to 22 thousand a month; Children's education averages 7, to 8, per month; There are also various human expenses, etc., which add up to at least 33.7k per month. Other expenses were used for stock market investment, and most of them were lost.

At last, the father laughed at himself. He saw that the balance of the bank card was less than that of 8 yuan several times, and he had to sigh that it was too expensive to raise children. No wonder some people say that raising children is showing off wealth.

but there is no way, resources are always unfair. For families with sufficient resources, they can always provide a broad stage and corresponding opportunities for their children in time; But for people who lack resources, they often have only one chance, and even they can't get this opportunity. But in any case, children can get a fair chance to compete through education.

Some parents think that money is not a particularly big problem. As long as they work hard, earn money, save money and save money, they can give themselves the best. Don't talk about the future, just look at the epidemic. In recent years, many enterprises have closed down, many people are facing layoffs, and their families' income has been interrupted. Not to mention the cost of children's education, even the cost of living is a problem. In fact, no one can guarantee that this standard of living and family income can be maintained in the next ten or twenty years, and the risks are unpredictable and difficult to control. If something unfortunate happens to the family pillar, what should the children do in the future?

Therefore, it is suggested that parents can prepare an appropriate education fund for their children's education, so as to avoid failing to provide protection for their children when they encounter risks. So, how should we save a sum of money for our children? What if you can guarantee your child's education? Consider children's education insurance.

1. What is children's education fund insurance?

Children's education fund insurance can actually be understood as children's education fund. The purpose of children's education fund is to provide children with a stable cash flow and to provide families with financial products with guaranteed capital and interest. Parents usually need to take out insurance when their children are young, usually between 28 (or 3 days) and 14 years old.

At present, in addition to children's education funds, some can also provide a venture fund, a marriage fund and even a pension fund, in addition to providing education guarantee during the important periods of children's junior high school, senior high school and university. This money is earmarked for children, and it will not change no matter how the outside changes.

In a word, children's education fund insurance has the great characteristics of long-term, safe and compulsory savings.

second, how to choose children's education insurance?

There are the following points to pay attention to when choosing children's education fund insurance:

1. Choose according to the insurable time

Generally speaking, the earlier you buy insurance for your children, the better. Generally speaking, you can consider providing children with children's education funds one month (28 days) after their birth.

2. Choose according to the time of collection

Some children's education funds only guarantee a certain stage, while others can guarantee the whole education process. Some have to estimate when and what fees to receive according to the age of the child, and actually choose according to the needs of the family. It is suggested that you can choose the children's education fund insurance, which can decide when to withdraw the education fund, because you can choose when to collect it dynamically according to the family situation.

3. Choose children's education fund insurance according to the amount of insurance paid each year

, and pay attention to the premium paid in installments. In addition, the choice of insurance amount must be able to ensure that children are not affected by any risks in the future education process, and families can pay the corresponding premiums according to the insurance amount. Generally speaking, it is enough to protect children from 25 to 3 years old.

4. Considering the disposable income of the family

Considering how much money the family can invest in this children's education fund every year, generally speaking, the premium is not recommended to exceed 2%-3% of the family's income, so as to avoid increasing the family's burden because of paying too much premium.

5. Combined with the product type

Some children's education funds can provide the cost of studying abroad. If families have plans to study abroad, they may wish to consider it. In addition, if the choice covers the purpose of studying abroad, the insurance cost will increase accordingly.

6. choose the protection of additional insurance

if you choose children's education insurance, you can consider providing additional insurance. Generally speaking, it can be equipped with accidental injury medical insurance, total disability exemption insurance, insured critical illness insurance and so on. In this way, children can be provided with more adequate protection.

third, why can't we invest in other products, but should we put in children's education funds?

Some people ask, you don't have to buy insurance to give children education funds. Why can't you put them in the bank? This can also ensure stability. Very responsible to say, yes, you must choose education fund insurance. We can consider the nature of the money given to the children. It must be absolutely safe and cannot be taken out casually, but it will be taken out when necessary. Therefore, the premise is to ensure that the funds will not waver, and then consider other things. Let's take a look at the popular investment products on the market one by one:

1. Real estate

Many people will choose to invest their family education funds in real estate, thinking that the investment in real estate is relatively stable. But in fact, under the control of not speculating in housing, the difficulty of real estate investment is inevitably rising. In addition, because the house has the property of real estate, once it is in urgent need of money, it needs to wait for a period of time in the market to realize it. Some people can only sell their houses and collect their children's education funds at a much lower price than the market price. Therefore, compared with children's education funds, real estate investment is not stable enough.

2. Stocks and funds

Just like the 5, moonlight clan, he is also trading stocks, but he loses more and earns less. As the so-called high risk and high yield, stocks have certain risks. Even if they make money for a while, can they be guaranteed to make money for a long time?

Some people say that if I don't invest in stocks, I can always invest in funds. But again, investment is always risky. In case the fund loses money and the children need money, will the money be taken or not? Obviously, the above two methods do not meet the needs of children's education funds.

3. Banks

Some people say that since investment is not feasible, we should consider bank time deposits. We can compare the two in the above three points:

① In terms of security, children's education funds and bank time deposits are equally safe.

② As for the rate of return, the interest rate of five-year time deposit is mostly below 3%, while the rate of return of children's education fund is slightly higher than that of time deposit, which is about 3.5%.

In this way, the children's education fund is superior under the condition of ensuring safety.

fourth, how does the children's education fund compare with other products?

the idea of configuring insurance is to protect adults first, and then protect children, no matter what. Because adults are the backbone of the family, once any risks occur, the future of children will be unprotected. Therefore, all the major premises are to protect adults first. In addition to children's education funds, children still have a lot of insurance to choose from, so what is the difference between children's education funds and other popular insurance types?

1. medical insurance and children's education fund

① coverage: medical insurance is the basic guarantee, which can reimburse the corresponding medical expenses when the child is sick; The children's education fund insurance is to prepare for the children's education and cannot reimburse the corresponding medical expenses.

② insurance premium: because there are many optional products, medical insurance can be selected according to different needs, generally ranging from several hundred dollars to several thousand dollars; The children's education fund is generally about ten thousand yuan.

2. Critical illness insurance and children's education fund

Critical illness insurance can often pay a fee according to the contract after a major illness occurs. As for how to use this fee, it can be spent according to the actual needs of families. In addition, some critical illness insurance can provide lifelong protection for children. Most of the children's education funds provide protection during the children's schooling.

5. What kinds of children's education funds can be divided into?

Children's education fund can be divided into two types, one is non-lifelong education fund insurance, and the other is lifelong education fund insurance.

1. Lifelong children's education fund insurance

Lifelong education fund insurance usually starts when children are young, which can protect their life. It can not only provide protection for children's education, but also provide necessary support for children when they get married and start a career, and can also be converted into pensions in the child's pension stage. This is a life-long insurance.

2. Non-lifelong children's education fund insurance

Non-lifelong education fund insurance is more responsible for education and can provide certain protection for children's different stages of study, especially in junior high school, high school and university, so that children can receive certain education expenses. After the child graduates, if the account still has the relevant amount, it can also be used as the start-up fund for the child's business.

VI. How to buy children's education funds is more cost-effective?

In fact, different children's education funds in the market have different differences. For many parents, how to buy children's education funds is more cost-effective? Let's start with the following points:

1. See if this insurance has a premium exemption

You can buy products with premium and noodles. Premium exemption means that if parents have any risks, such as losing their ability to work and having any accidents, the premium for the subsequent children's education fund will not have to be paid, but the insurance contract is still valid and the children can still enjoy the future benefits.

2. See if the income is guaranteed

When purchasing children's education funds, be sure to see if the contract can guarantee the income. If there is no clear guarantee of income, then the risk of this money will be relatively large, so be sure to see it clearly before buying.

3. Look at the benefits of the policy

To measure the benefits of an education fund, you can look at the rate of return. Regulatory requirements require that the yield of wealth management insurance should not be higher than 4.25%, so try to choose some products with a yield close to 4%.

4. Being able to support the policy loan

Many parents worry that after all, the money can only be collected when their children go to school. What should they do in case of any risks during the period? Some children's education fund insurance can support policy loans, so you don't have to worry about losing money because you are in a hurry.

VI. Write at the end

For the children's future, every family tries its best, and the children's education gold insurance is to protect the children and parents. Children's education fund can not only be used for compulsory savings, but also be used for special purposes. It can also give certain people to loved ones in a certain time, which other products can't provide.