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孩子的教育基金怎么買 教育基金和保險的區(qū)別在哪里(2)

出處：媽媽育兒網(wǎng)日期：2018-07-03 17:57:52編輯：鄭婷

1、其中有一項是保費豁免，意思就是被保人的父母出現(xiàn)重大意外比如死亡，殘疾等，保險公司會提供孩子今后上學(xué)的所以開資。

2、強制性的要求家長每年必須給孩子存錢。也是一種激勵和督促作用吧。

3、每年還會根據(jù)行情分紅。

基金的種類除了初中、高中和大學(xué)以外，還有大學(xué)畢業(yè)后的創(chuàng)業(yè)基金，婚嫁基金等。這些基金都可以在特定階段儲備一筆基金，減輕父母的經(jīng)濟負擔(dān)。

那么到底孩子的教育基金怎么買？

1、根據(jù)自身家庭情況，選擇適合自己孩子的，這才是基金真正的意義所在。

2、在購買的時候一定要問清楚各款項，只要有不懂得看不明白得你就要銷售人員解釋，免得以后產(chǎn)生麻煩。

3、可以鼓勵孩子拿自己的壓歲錢來買基金，讓他從小就有科學(xué)理財?shù)母拍睢?/p>

4、教育基金買的越早越好，因為投保的時間越久，積累的資金就越多。

面對現(xiàn)在越來越多的學(xué)校，有些學(xué)校的學(xué)費確實貴的嚇人。要想孩子不輸在起跑線上，又想把孩子培養(yǎng)成一個對社會有用的人是一件極其不容易的事。也正是這些因素，現(xiàn)在教育基金越來越受家長的青睞。

說白了，教育基金就是一種強制性的儲蓄手段，既有儲蓄功能又有保障功能，不僅可以在孩子一定年齡后支付一定金額的教育金，還可以保障意外傷害、疾病等。對孩子有好處，對父母也可以起到一種督促激勵的作用。

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