To accumulate education funds for children, we must first see that this money has a rigid demand every once in a while and must be spent. For example, two years after you start investing this year, you will face the cost of sending your children to kindergarten, so I don't recommend you to pursue excessive returns. It is more important to keep the liquidity of funds. You are right to choose a fixed investment fund, but you must consider reasonable allocation, because when you are in urgent need of funds, if you catch up with the fluctuation of the securities market, your principal is likely to be damaged.
Three years ago, I made such a portfolio for my children and took out 654.38+10,000 yuan at one time, of which 50,000 yuan I subscribed for a corporate bond with an annual interest rate of about 8% and a term of 7 years. Of course, this requires you to have some experience in investing in bonds. Generally, tax avoidance once a year plus the bid-ask price difference can get an average annual income of nearly 10%. Of course, if you are not familiar with bond investment, you can also buy a bond fund directly, such as E Fund's stable bonds, and the average annual yield in the past three years can reach about 6%. This fund can be used by children in primary schools and even junior high schools.
Of the remaining funds, 30,000 yuan is directly purchased from the Monetary Fund, and the annualized rate of return is roughly equivalent to 1 year deposit, which is mainly used for the expenses of children attending kindergarten when they are 3 years old. The remaining 20,000 yuan was divided into 12, and I started to invest in hybrid funds. I will continue to invest after one year. ) I invested in Harvest Research Selection (0700 13), and the total income in the next three years is almost 20%. This money has been invested for at least 15 years, and used for children's high school and college expenses. If you plan to send your children to study abroad, you need to increase investment. Now we put the lucky money and pocket money given by grandparents' relatives on the fixed investment of the fund. You should have confidence in China's capital market. In addition, you should know more about relevant knowledge and information, keep a clear investment mind, and adjust your investment strategy in time according to market changes.
If you have any questions, please feel free to ask me. If you are satisfied, please accept them. Thank you!