To put it simply, at present, children's education funds only deposit money in the bank with interest and principal, while children's education funds deposit money in insurance companies, and some of them not only have interest and principal, but also have protection. If you put your money in the bank, you can only get the principal and interest if you sacrifice it. If you put it in an insurance company, you can not only get the principal and interest, but also get tens of thousands, hundreds of thousands or even millions of yuan (depending on how much you protect). The answer is for reference only.