From Kindergarten To University &Nbsp; How To Carry Out Family Education Gold Reserve Gold Plan

Statistics show that education expenditure accounts for 20% of the total annual income of the family. From kindergarten to university, plus the cost of talent and tuition at various stages, the rough calculation is at least 450 thousand yuan, of which the children attend university.

That's a lot of money.

Education gold reserves start from birth.

According to the survey, 83% of children are struggling with their education expenses, and 54% of their families spend more than 20% of their families' income.

In addition, the cost of education is also rigid in time. It can neither afford nor reduce expenditure. Therefore, it is very necessary to prepare for early planning.

"The reserves of children's education fund should start from the birth of their children," Liu Yanbin said. "The preparation for the same amount of education money is easier to prepare."

In general, ten years is a cycle of education gold reserves, which gradually completes the accumulation of education funds and reduces the pressure on family finances caused by expenditure.

In this period, investment patterns can be divided into different stages. In the first stage of children's youth, a more radical investment strategy can be adopted.

In the next few years, as children grow up, the time needed to use educational funds gradually decreases, and prudent and conservative investment strategies should be adopted.

The educational expenditure that will be spent within a year is best carried out in the form of zero deposit and withdrawal. If interest is paid in the middle way, the interest will be discounted, and the principal will not be hurt, nor the risk of compensation for breach of contract.

The educational fund needed in one to three years can choose products with relative fixed income.

The reserves that will be used in three years will be able to choose volatile products to get long-term returns.

The children's education fund should be a stable and specialized investment reserve.

Many financial experts suggest that children's education funds should be dedicated to households, and parents should set up an account in addition.

A famous person once said, "even if I know a house will rise by 10% tomorrow, I will definitely not invest in my children's education fund."

Many parents often use their children's education funds because of the temporary expenditure of their families and even the investment that they can not afford to lose. This is a wrong idea.

On the other hand, in the process of accumulating children's education fund, parents are most likely to neglect their own pensions, leaving their money to their children to study, but they have lost their security after retirement.

Although it is a duty for parents to let their children receive good education, they should not forget to prepare for their next half life.

"I do not agree that parents abandon their pensions to send their children to study abroad, so that it is hard for children to have good development after they return home."

Liu Yanbin said, "I think before everyone is 35 years old, the focus of financial management is to buy a car, get married and have children, but after 35 years old, they should first focus on the Pension Reserve, and then the children's education, because children's education costs much less than that of their old age.

According to their financial condition, each family should start sorting out the household balance sheet and monthly income and expenditure account to see how many family balances exist after deducting the mortgage, living expenses, insurance premiums and the pension arrangements of two couples each year, and then formulating plans suitable for their families.

Liu Yanbin suggested that the more low-income family education gold reserves should be, the more conservative the families with higher incomes could withstand higher risks.

Four ways to invest most in families

There are many ways to prepare education funds. There are mainly four forms of education deposit, education insurance, fund and gold.

These products have their own characteristics and can be selected according to the family's preference for venture capital.

In Liu Yanbin's eyes, the best way to reserve funds for education is not funds.

"After the birth of a child, the best way to buy funds is to make the fund investment is the best way to achieve the accumulation of education gold, the investment time is at least 5-10 years."

It is difficult for ordinary investors to choose the timing of investment. Many people do not have time to study, nor do they know when to buy and when to sell.

Using the fund's fixed investment, no matter how the market fluctuates, fixed investment funds are fixed at a fixed time every month. When the fund price is higher, the share of the investment fund is less. When the fund price is lower, the share of the investment fund is larger, and long-term accumulation can effectively evade the risk, and the compound interest effect is also very obvious.

It is suggested that families with strong risk tolerance focus attention.

Insurance is also a good way to reserve money for education.

The so-called education gold insurance is a kind of insurance that can provide educational funds for children, and it belongs to the insurance product of saving nature, and it has certain guarantee function to meet the educational expenses at different stages.

Education gold insurance set up a special account for children's education, which can provide the corresponding amount of insurance for children's educational needs at different stages of growth.

At present, most of the insurance sales in the market are dividend insurance. Besides the provision of education funds for junior high schools, senior high schools and universities, some of them also include venture funds, marriage funds and pension funds after retirement.

Education gold insurance is not a kind of personal investment behavior. It is a professional investment made by the asset management department of the insurance company to ensure the safety and sustained and stable increment of funds.

"Education insurance is actually a way of saving, which can be bought from birth.

Its biggest feature is earmarked appropriations and low risk volatility.

In addition, insurance can also resist financial risks and pfer personal risks. This is not done by other financial tools.

But its income is also low, which is almost the same as that of time deposits, generally around 3%-4%, and is more suitable for investing in conservative families.

Another good way to invest is to buy gold.

Gold has always been regarded as a symbol of wealth, and has an irreplaceable value preservation function. Under the background of such a strong inflation expectation, gold is much sought after by many people.

But for ordinary investors, it is difficult to accurately judge the future trend of gold. Therefore, a large amount of investment is risky. Gold is more suitable for regular investment.

At present, some banks have launched the gold fixed products, and long-term buying in batches can better balance risks.

In addition, the gold linked financial product developed by CITIC Bank and Standard Bank of South Africa is also a good choice to link London spot gold price.

The investment income of the product rises with the increase of the gold price. However, when the price of gold falls, investors will not lose the principal.

The yield of A products may reach 0.36%-7.36%, of which the high limit is 3.27 times of the fixed deposit rate of the same period, suitable for radical investors. The yield of B products may be between 1.35%-4.5%, which is suitable for prudent investors.

The other way is education savings. Although investment is stable, but the income is limited, and the amount limit is limited, the upper limit is 20 thousand yuan, and only after the Children Grade 4 in primary school, can the value of education gold reserve increase smaller.

Liu Yanbin put forward: "from a comprehensive perspective, families with relatively high incomes can choose gold and fund based investment modes, while ordinary income families can pay more attention to education savings and insurance.

If you hate risks, then choose gold and insurance.

But no financial plan can be applied to all families, making plans around the financial conditions of different families is the most important. In addition, the quarterly inspection plan is still consistent with its investment objectives.