<section style="text-align: center"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447790313&idx=2&sn=55e0cf403a3327c58f7dfcc77ea888c8&chksm=b2b077ab85c7febda44a18349455223c46e61a6d8082f6f51e7dcbb9a81e93eba23d8e4d1845&scene=21#wechat_redirect" textvalue="你已选中了添加链接的内容" tab="innerlink"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczvibhBjAVpM6SbMSBV8wMoJG6FOkTa2ChILyJ8PNVUZnCpv3FMgXhlSdNecb7nNFgU1zAhydnonX9w%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczvibhBjAVpM6SbMSBV8wMoJG6FOkTa2ChILyJ8PNVUZnCpv3FMgXhlSdNecb7nNFgU1zAhydnonX9w/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">点上方图片看看【封面图的故事】</span><span style="text-align: justify"></span></section><section ><br /></section><section ><span >学海无涯，一期一会。</span></section><section ><span ><br /></span></section><section ><span >今天保姑来聊聊“四脚吞金兽”的教育金规划怎么做。</span></section><section ><span ><br /></span></section><section><mpvideosnap></mpvideosnap></section><section style="color: rgb(34, 34, 34); text-align: center"><span style="color: rgb(136, 136, 136)">不方便看视频的朋友可以看文字版</span><span style="color: rgb(136, 136, 136)">👇</span><br /></section><section style="color: rgb(34, 34, 34); text-align: center"><br /></section><section style="color: rgb(34, 34, 34); text-align: center"><br /></section><section style="color: rgb(34, 34, 34); text-align: center"><span >--文字版--</span></section><p style="color: rgb(34, 34, 34); text-align: left"><br /></p><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">有些孩子天生就拥有优质的学习环境，更有钱的父母，高质量的老师，良好的心态，犯错的空间，甚至再来一次的机会。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">而有些孩子，风餐露宿，家徒四壁，没有资源，没有重来，一切都靠生命中的那张卷子和可能改变命运的唯一机会。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">世界总是不太公平的，你今日不坚强，孩子日后必将艰难。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">我一直不建议卷娃，要卷就卷自己。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">《中国家庭教育消费白皮书》中提到，我国各阶段家庭教育支出都占到家庭年收入的20%以上了。其中大学阶段占比高达到29%。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><strong>你有算过孩子成长教育的整个过程，要花多少钱么？</strong></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">等到孩子读大学的时候，你能确保自己赚钱能力依然和现在一样吗？</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">粗略算算就会发现：<strong>一个孩子从幼儿园到大学毕业最少得需要30万！</strong></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><strong><br /></strong></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNtw0AEVaZJNaibnFKZ2tdCeK909YXUSN56UTjPb9PRmsxUds2mp0SEP1Ndxy0l5gl51XVxzYhEd3Q%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNtw0AEVaZJNaibnFKZ2tdCeK909YXUSN56UTjPb9PRmsxUds2mp0SEP1Ndxy0l5gl51XVxzYhEd3Q/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">大部分人每天累死累活的奋斗，或许仍然难以支付这些最基本的教育费用。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">所以为了孩子，存一份<strong>专款专用的教育资金</strong>，是有必要的，而且并不是很难。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">教育资金应该怎么存，对父母，对孩子来说，是最好的呢？</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">给大家看个例子：</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">小林作为新手妈妈，想要给她0岁的女儿用每年爷爷奶奶外公外婆的压岁钱进行未来的教育储蓄。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">假如用10年时间每年存2万，总投入是20万。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNtw0AEVaZJNaibnFKZ2tdCeZMO83wv610EcuibDlkiatyhe1XctkjZbIhcjpbxDBnXfL3M92Ed0MgibA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNtw0AEVaZJNaibnFKZ2tdCeZMO83wv610EcuibDlkiatyhe1XctkjZbIhcjpbxDBnXfL3M92Ed0MgibA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">第十年的保费交完，加上利息，现金价值的钱就达到了24万。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><ul ><li><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">到孩子25岁，账户价值40.2万，是本金的2倍；</span></p></li><li><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">到孩子37岁，账户价值60.7万，是账户本金的3倍；</span></p></li><li><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">到孩子45岁，账户价值80万，是账户本金的4倍；</span></p></li><li><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">到孩子52岁，账户价值101.8万，是账户本金5倍。</span></p></li></ul><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">当然，我们帮孩子规划这个账户，不只是单纯为了“存起来”，存钱是为了更好的用这些钱实现孩子的人生目标。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><strong><span style="color: rgb(51, 51, 51); text-align: justify">应该怎么用呢？</span></strong><span style="color: rgb(51, 51, 51); text-align: justify"></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">就像从银行卡中取钱那么方便，非常灵活，他们可以根据自己实际需求来决定领取多少钱，没有领走的部分就继续在保单账户里继续增值。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">18-24岁，上大学4年加研究生3年，每年领取3万学习基金，大学和研究生阶段共领取7次，共领取21万。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNtw0AEVaZJNaibnFKZ2tdCeiaM5icQHcCUxDAtgamTUmp19SruhnUTCibBdSnRVrPXasugcuquwTpIAw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNtw0AEVaZJNaibnFKZ2tdCeiaM5icQHcCUxDAtgamTUmp19SruhnUTCibBdSnRVrPXasugcuquwTpIAw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">25岁时，账户中还有16万可以一次性领取。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">这笔钱可以作为人生第一桶金用来创业，用来提升工作技能，或者用于出去游历增进学识等等。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">如果剩下这笔钱不用的话也可以<strong>继续留在账户里面复利滚存</strong>。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">假如小林收入一直可观，孩子整个教育过程中都没用到这个保单，都是从平时自己的现金流里支付的，</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">那这个计划，也可以一直留着给自己养老，作为自己的养老金。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">用增额寿来存这笔钱的优点就是它的确定性，谁也挪用不了，哪怕我不在了，孩子上大学的钱，结婚的钱，都有着落。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">因为是人寿险保单，就算保险公司倒闭也还有银保监会和《保险法》来兜底，确保钱能到孩子手里。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">这一份教育金规划，每年存2万，连续存10年，应该来说是非常简单可以做到的，用到的就是3.5%复利的增额寿险来完成的。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">因为是复利，<strong>20年就相当于存银行单利4.62%，30年就相当于存银行单利5.55%了。</strong></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">要用钱的时候，用多少取多少，暂时不用的时候就继续留着增值。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">小小的一个动作，看着好像跟银行存钱没什么差别，但是因为强制储蓄了，因为专款专用了，就可以让孩子未来有更多选择的自由。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">比如到了18岁，到底是在国内念大学，还是出国留学呢？</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">到了22岁，是读研、创业还是出来工作呢？</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">不管怎么选，这笔钱都可以帮上忙。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">不过要提醒一下，一款好的教育资金储备要满足以下五点：</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><strong><span style="color: rgb(51, 51, 51); text-align: justify">保本保收益、强制储蓄、专款专用、复利增值、取用灵活。</span></strong><span style="color: rgb(51, 51, 51); text-align: justify"></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">我们不求一夜暴富，但能在确定的时间把确定的收益给到确定的人，这种稳稳的安全感就是给孩子最好的礼物！</span><span style="color: rgb(51, 51, 51); text-align: justify"></span></section><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: center"><span ><strong ><span ><span >【<span >理财+养老+保险</span>】</span> 1对1咨询绿色通道</span></strong></span></p><p style="color: rgb(34, 34, 34); text-align: center"><span >直接识别下方二维码</span></p><p style="color: rgb(34, 34, 34); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FAa1Vn4VNXun3PB3sBCsPbXSqOflbzkJPTr4GlZqmmP611AJicrwvyXeRc5ApZLibWUMoB6QmbrcYm6HtrQzbfia6A%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/Aa1Vn4VNXun3PB3sBCsPbXSqOflbzkJPTr4GlZqmmP611AJicrwvyXeRc5ApZLibWUMoB6QmbrcYm6HtrQzbfia6A/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><p style="color: rgb(34, 34, 34); text-align: center"><span >添加保姑团队专业咨询老师</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><span ></span></p><section ><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section ></mp-common-profile></section><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /><span > <span style="color: rgb(136, 136, 136)">点击阅读原文，</span></span><span style="color: rgb(136, 136, 136)">查看</span><span style="color: rgb(33, 89, 103)">懂保爷严选【理财、养老、保障】产品汇总</span></section><section style="text-align: left"><section ><br /></section><section style="text-align: right"><section ><p style="text-align: center; color: rgb(63, 62, 63)"><span >如有帮助，帮忙点个<span style="color: rgb(33, 89, 103)"><strong >在看</strong></span></span><span style="color: rgb(0, 0, 0)">吧</span><span >，谢谢！</span></p></section></section></section>
