1. Buy children's education insurance and install a "security door" for education

With the development of economy and the change of people's consumption concept, insurance is more and more accepted by people. Then for the education of children. Do you also need to buy insurance?

the answer is yes. In the long journey of children's study, if something happens and the source of education funds is interrupted, then education insurance will make the last straw. There are two types of education insurance. The first is the insurance of survival. Can provide you with education expenses from junior high school to university. The second one has financial management and investment elements, but it has certain investment risks. Everyone should choose carefully. What are the guaranteed critical illness insurance for children? Which are cost-effective? Which one is the most worth buying? Let's take a look at the inventory of top 1 insurance companies selling children's critical illness insurance

It is worth noting that one of the advantages of children's education insurance can not be ignored is that with the change of family members' structure, the insured can apply to change the beneficiary information.

2. Turn savings into investment, and the fixed fund investment is suitable for you

For families with relatively low family income, if you want to choose a safe investment method to ensure children's education, it is a good method to choose the fixed fund investment method to store education funds for children.

because the fund is chosen for fixed investment, parents only need to choose the right fund, choose a relatively safe and less risky fund to purchase, and lengthen the time line, then the fixed investment of the fund can achieve zero risk, maximize the benefits, and make the most secure guarantee for their children's education funds.

3. Choose the children's education fund trust appropriately

If there are the following situations, it is suggested to choose the education fund trust:

If the parents divorce, in order to protect the interests of the children, they can choose to use the same property before the divorce to find a child trustee and set up an education fund trust, so as to ensure the children's support and education expenses.

for high-income people, you can find a professional trustee, so as to achieve multiple financial goals at the same time, set up a trust for each financial goal, and confirm the risks and expected returns of different trust accounts according to different deadlines and target flexibility, so as to maximize the benefits.

If the children choose to study abroad, and the parents have a lump sum of money, and the families meet the above two conditions at the same time, it is suggested to set up a children's education fund trust. Education fund trust is not suitable for all families, and families in the above situations can choose it. If not, it is not recommended to choose this method.

The reserve of education funds is a problem that every parent should consider. Different family situations choose different reserve methods. According to the actual situation at home, only by choosing the one that suits you can you maximize your interests and install a "security door" for your children's education.