2. Fixed investment of funds (high returns and high risks, handled by banks or securities companies)
3. Insurance products (average rate of return, but with some additional protection)
You can plan your savings (just get a passbook for regular deposit and withdrawal or buy a big piggy bank ...)
That's basically it. There is no such thing as buying an education fund. The education fund means that the money will be used for children's education in the future. As for saving money, there are various forms. Also, since it is an education fund, it can't have too much risk and fluctuation. If you buy a fund, you'd better buy a money fund or something.
Education savings, like the education fund mentioned by friends, calculate the interest according to the method of lump-sum withdrawal. Children must be above the fourth grade to apply. The interest rate is higher than that of ordinary zero deposit and lump sum withdrawal, and it is tax-free. The limit is 20,000, which shall be handled with the certificate of student status. This will be done when your child reaches the age.
I don't recommend insurance as an education fund, because the rate of return is low, and the macro economy has entered the channel of raising interest rates. The income of insurance products is usually linked to interest and lags behind, so it is not worthwhile to buy it now.
If you want to buy insurance, please give priority to the main source of family income-such as the father of the child ... It is a good way to invest in the fund, and it also meets your requirements. It is recommended to buy two funds. A 200 (ICBC) and a 300 (China Merchants Bank). You can transfer money directly from your salary account every month without going to the bank every time. So, when your son 15 goes to college, it will probably be 15W. . Probably enough. You can listen to the fund manager's views on fund types, but don't take them too seriously. Personally, I prefer open-end funds, old funds and star-rated funds with better performance in the past. (The income is an approximate figure calculated at 5%, which is a conservative estimate. )
Extended data:
Education fund refers to the subsidy granted to education for a certain purpose recognized by law. In western countries, donors are mainly charities, large companies, religious groups, alumni and individuals. It is an important source of funds for some universities, especially private prestigious schools. For example, in 198 1, 1888, American institutions of higher learning have 23.47 billion dollars in funds, among which Harvard University, University of Texas at Austin, Yale University, Stanford University and Princeton University have 7.4 billion dollars in funds, accounting for 3/kloc-0 of the total funds. It has played an important role in providing student scholarships, promoting the construction of key disciplines and the development of key scientific research projects. Enjoy tax-free privileges. In China, this kind of fund is being formed, which is mainly used for special assistance related to education, especially incentive assistance.
References:
Baidu encyclopedia education fund