The trilogy of children's education planning, like any investment plan, is a trilogy of planning children's education fund, with the following contents: 1. Set the investment target: calculate the gap of children's education fund, set the investment period and set the expected rate of return. 2. Planning the investment portfolio: Know your risk tolerance and set the investment portfolio. 3. Implementation and regular review: adhere to the children's education fund plan, adhere to earmarking, and make regular adjustments. Investing in life: investing in yourself is one of the biggest and most important investments in life, and studying abroad, further study, training and job hunting are always the eternal topics of investing in yourself. The planning period that children's education planning must consider: Children's education planning should choose different investment products at different ages of children. If your children go to college for a long time, inflation will shrink their wealth. It is better to choose a more positive target, such as the air ticket fund. If your child has graduated from junior high school, you can choose an investment tool based on current income, such as an overseas bond fund with higher interest rate. As far as investment is concerned, the cumulative compound interest effect is considerable. Therefore, children's education planning should be done as soon as possible, and it can be started before the child is born. Risk preference: All financial planning is based on customers' own risk preference. Aggressive investors generally require high returns, but at the same time they have to bear certain high risks; Conservative investors are unwilling to take high risks and generally focus on low-risk varieties. Due to the weak risk tolerance of children's education funds, it is generally not recommended to invest in high-risk varieties. Financial resources: the financial resources owned by customers are also factors to be considered in planning. Those with strong economic strength will generally choose to study abroad, even when their children are in junior high school, because of their strong risk tolerance, they can consider investing in varieties with higher risks; Those with weak economic strength can choose to study in universities in China first, so they should plan ahead and get considerable benefits from compound interest. Educational savings policy preference "Educational savings" is a special savings project of the country, and enjoys preferential policies such as exemption from interest tax and interest rate concessions (that is, even if depositors take the deposit method of lump-sum deposit, their deposit interest rate still bears interest at the time deposit rate). At present, the maximum deposit limit is 20,000 yuan, and the deposit term is divided into 1 year, 3 years and 6 years. Students above grade four (including grade four) in primary school can participate, but the money can only be withdrawn from the bank with the official seal issued by the high school where the students are located after entering high school. Take the education savings with a term of 20,000 yuan and a term of 6 years as an example, its interest income at maturity is more than 1000 yuan, which is higher than the national debt with the same amount and term. However, many parents believe that although the policy is favorable, education savings are not attractive and the threshold set by the state is too high. Apart from the fact that many people are not interested in the interest difference between lump-sum deposit and fixed-term savings, it is also a defect that many preschool or junior students can't participate in savings. Generally speaking, many parents' educational savings are only symbolic, and there are other educational savings besides special savings. The unique advantage of education insurance "education insurance" is one of the types of insurance introduced by life insurance companies. The characteristic of this kind of insurance is that children are eligible to enjoy this kind of insurance from birth to 14 and 15 years old, and then get cash compensation from insurance companies in stages from the time the children go to high school (some insurance companies stipulate that they start from junior high school). What are the advantages of education insurance? The advantages of insurance mainly include the following aspects: First, it is planned. Parents can arrange insurance for the current period according to their own expectations, and choose insurance types and insurance coverage by backward calculation; Second, insurance can be regarded as a semi-compulsory savings. For example, for us personally, on the one hand, insurance companies will regularly urge to pay premiums, on the other hand, the loss of surrender is relatively large, and insurance does have the function of compulsory savings. Third, for example, if the insured (such as parents) has major changes during the insurance period, they can be exempted from paying the premiums in the subsequent period, but the insured (such as children) can still get the full insurance benefits from the insurance company when it expires. Or if the insured (such as a child) dies during the insurance period, the insurance company will compensate the insured (such as parents) according to the cash value of the policy. However, due to the guarantee function of education insurance, the insured has to pay a certain premium. At present, there are two types of "education insurance": dividend-paying and non-dividend-paying Generally speaking, the premium of participating education insurance is higher than that of non-participating insurance under the same amount of insurance. However, insurance companies also remind everyone that dividends may be higher than interest or lower than bank interest. Although "education insurance" also has the function of saving and investing, it emphasizes the protection function. Saving enough education funds for children from an early age is a problem that requires parents to be far-sighted.