Analysis on the Planning Scheme and Advantages of Infant Education Fund —— Helping parents to plan various options for infant education fund
From the moment the baby was born, this little meat ball supported the parents' dreams and expectations all their lives.
Milk powder, complementary food, early education, interest classes, kindergartens, remedial classes, school districts, studying abroad ... As children grow up, babies are also dubbed "four golden beasts" by parents.
As a result, more young parents began to pay attention to the baby education fund.
So, how to use insurance to plan the education fund?
Introduce some methods I like. The similarities between these methods are:
The profit is determined, and the contract terms say that the principal will grow safely and steadily; Can combine long-term and short-term choices, compulsory savings, earmarking; 0 1 short-term plan-exclusive education fund: 0-year-old female treasure, with an annual deposit of 50,000 and an annual deposit of 50,000, totaling 250,000.
Analysis on the Plan Scheme and Advantages of Infant Education Fund —— A variety of options to help parents plan infant education expenses
Guarantee content
From the age of 18, the baby receives 35,870 yuan every year for four consecutive years;
At the age of 22, he will receive 375,000 yuan due, which can be used as a venture fund and the contract will be terminated;
Advantages: 1, exclusive education fund, starting from 18 years old for four consecutive years, universities have education funds every year;
2, earmarking, profit determination, to ensure that the baby graduated from college;
02
Short-term and long-term integration plan:
0-year-old female treasure, saving 50 thousand or 5 years every year, a total of 250 thousand.
Analysis on the Planning Scheme and Advantages of Infant Education Fund —— Various choices of parents' infant education expenses planning
This product is a lifetime guarantee.
The cash value of this product (we will call it the cash withdrawal amount later) can be flexibly extracted, and the growth rate is fast, which can be extracted according to the needs of the baby to go to school.
If you don't use it all the time, the deduction amount will increase with compound interest.
If it is not used and the age of the withdrawal amount is as follows, it can be withdrawn flexibly or in full;
For example:
Baby 18 years old, ready to go to college, the insurance policy is * * * 429,000 yuan, which can be used as an education fund.
30 years old, ready to start a business or get married. Policy * * * 648,000 yuan, you can start a business or get married;
60 years old, ready to retire, insurance policy *** 18 1.8 million, you can set up a retirement fund;
Advantages: 1, the payable amount is flexible, and it is taken according to the needs of baby education, entrepreneurship and marriage;
2. Short-term and lifetime security can be freely chosen;
Combination of short-term and long-term plans: 0-year-old female treasure, 50,000 US dollars per year, 5-year amount, * * * 250,000 US dollars;
Analysis on the Plan Scheme and Advantages of Infant Education Fund —— A variety of options to help parents plan infant education expenses
This product is a lifetime guarantee.
Coverage: From the age of 65,438+08, the insurance company will automatically send 65,438+0,465,438+0,000 yuan to the baby account every year/month to ensure the life.
You can also attach a compound interest account, with a guaranteed annualized interest rate of 3% (written in the contract) and a current annualized interest rate of 5.65%;
Baby/kloc-started to get it at the age of 0/8, which is a rite of passage ~
When he/she goes to college, the money can be used as an education grant.
For example,
At least 30 years old, receive 183000 yuan. At this point, the insurance was released and * * * got 392,000 yuan. Surrender money can be used for marriage funds and venture funds.
At the age of 60, he will get 606,000 yuan. At this time, the insurance has been lifted, and 374,000 yuan can be used for the old-age reserve.
Advantages:
1, which can be held for life or short term;
2, earmarking, guarantee a lifetime, accompany the baby for a lifetime;
3. If you need money urgently, you can take some;
Finally,
In addition to the above three forms, there are quick return pensions on the market, with universal accounts. (At present, the maximum guaranteed interest rate is 3, and the floating interest rate is 4.5~6%), but the floating interest rate cannot be guaranteed. In the case of good business and economic environment, insurance companies also have the opportunity to surpass the above three forms.
No matter what form of baby education you are preparing, just choose the method that suits your family ~
I wish the angels happy and healthy growth every day ~
Planning Scheme and Advantage Analysis of Early Childhood Education Fund —— Various Options
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The first draft was completed at 22: 58 on June 5, 2020.
Preparing education funds for babies is not only an insurance method, but also can help many financial institutions to plan their parents.
However, no matter which way we choose, neither the baby education fund nor our own pension fund can fail. Safety and capital preservation are important considerations, and income must be the second consideration.
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