Traditional educational planning tools mainly include

Traditional education planning tools mainly include education savings and education insurance.

Education savings is a special savings item of the country, which enjoys exemption from interest tax and lump-sum deposit and withdrawal with interest. The minimum monthly deposit for education savings is 50 yuan, and the maximum deposit is 20,000 yuan. The deposit term is divided into 65,438+0 years, 3 years and 6 years. 65,438+0-year and 3-year education savings interest rates are calculated according to the interest rate of lump-sum and lump-sum time savings deposits of the same grade at the same period of account opening date.

The 6-year term bears interest according to the interest rate of the 5-year savings deposit on the account opening date, and the annual interest rates of lump-sum deposit and withdrawal are 2.25%, 3.24% and 3.6% respectively. Not only can these benefits be guaranteed, but also the liquidity of funds is greatly increased because of lump-sum deposit and withdrawal. Education insurance is equivalent to dispersing a large sum of money that is urgently needed in a short time and saving it year by year. The longest investment period is usually 65,438+08 years. Therefore, the earlier you take out insurance, the less pressure the family bears, and the more education money you get. The later the purchase, the higher the premium due to the short investment period.

Other tools:

There are two kinds of national debt, one is the national debt issued by the central government, accounting for the vast majority of national debt, and the other is the local debt issued by various functional departments of local governments.

Compared with treasury bonds, certificates of deposit, funds, etc. The returns and risks of stocks and corporate bonds are significantly higher than those of the above three varieties. But based on the principle of conservatism, educational planning does not encourage customers to invest in risky varieties. Stocks and corporate bonds are more dependent on the operating performance of the invested enterprises. In addition, stocks are not only affected by the operating performance of listed companies, but also by the stock market environment. The market value of almost all listed companies will shrink by more than 70%.