With the increasing popularity of investment methods such as insurance and wealth management, many friends not only rationally allocate income assets, but also have a long-term vision and want to plan some funds for their children in advance for emergencies. So how to invest and manage money for children? Let's talk together today.

For children's investment and financial management, we are divided into different stages, and the investment and financial management methods at different stages are different.

1, early childhood

Buy early childhood insurance and fixed investment funds or other products as education funds.

On the one hand, children in early childhood have poor resistance and are prone to increase the risk of illness. Parents can buy baby insurance to prevent diseases and reduce the economic burden. On the other hand, although children in early childhood are very young, education is a long-term and high expenditure. If you deposit or invest some funds regularly every month in advance, 10 will be a considerable education fund in 20 years.

2. Primary and secondary school period

After entering this stage, children's investment and financial management will be implemented in the form of portfolio investment. On the one hand, the focus of investment should be on the reserve of education funds, so as to make a good financial reserve for yourself to go to college or study abroad in the future. On the other hand, they should invest in some hobbies and specialties of their children.

Of course, you can also invest in some accident insurance, such as combined insurance that includes both major illness protection and future dividends.

3. University period

At this time, regular investment in education funds is enough, and parents do not need to invest in the reserve of continuing education funds. At this stage, there are many out-going activities in the university stage, and there is basically no parental supervision. More precautions should be taken against unexpected risks, and parents can take out insurance. Prevent accidents or major diseases.

Some parents who want to help their children get married in the future can continue to invest in some funds or medium-term wealth management products in case of emergency, or supplement some pension funds to increase security.

So much about how to invest and manage money for children. I hope the above suggestions can help everyone. Warm reminder, financial management is risky and investment needs to be cautious.