<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" hasload="1" wah-hotarea="click" ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTMO7qpOaHGic6mEAAPgibX2OHSaaWxJUf4NDTJibFX1fYXKDjdbaqMWibYfZF2XY5EkiaCR2jYnjyXNn0w%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTMO7qpOaHGic6mEAAPgibX2OHSaaWxJUf4NDTJibFX1fYXKDjdbaqMWibYfZF2XY5EkiaCR2jYnjyXNn0w/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></section><p 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></p><section ><strong style="color: rgb(33, 89, 103)"></strong></section><section ><br /></section><section ><span >前段时间收到一个私信：</span></section><section ><br /></section><section ><em><span >“还有几年就40（岁）了，手边有笔闲钱，打算退休后用，目前准备用来买增额寿，想问问有没有收益更高的选择。<span >”</span></span></em></section><section ><span ><br /></span></section><section ><span >考虑到用钱时间约在25-30年左右，我最后并没有推荐他买IRR可达3.5%的增额寿， </span></section><section ><span ><br /></span></section><section ><span >而是IRR能到3.9%的另类产品：<strong>教育金</strong>。</span></section><section ><span ><br /></span></section><section ><br /></section><section ><span ><strong ><span style="color: rgb(33, 89, 103)">一、</span></strong></span></section><section ><br /></section><section ><span >这里要解释下为什么我会把教育金推荐给一个成年人做短期理财。<br /></span></section><section ><span ><br /></span></section><section ><span >虽然大多数人一听教育金，就默默跟“孩子专属”挂钩了，</span></section><section ><span ><br /></span></section><section ><span >但教育金并不是单独的险种，它本质就是<strong>定期年金险</strong>（保险期间通常在10-30年左右）。</span></section><section ><span ><br /></span></section><section ><span >所谓教育金、婚嫁金、创业金等只是用途，等这笔钱到手想用做啥都行。<br /></span></section><section ><br /></section><section ><span >实际上，我去年就推荐过这类产品，如</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491520&idx=1&sn=4747abff0f0ea63dd9093039d1192ac2&chksm=cfb5fc40f8c27556c005c602efa6f0094e6ce33aaa0f37fd7f29fd48a4e018e95ba6494ca2dd&scene=21#wechat_redirect" textvalue="弘福今生定期年金险" linktype="text" imgurl="" imgdata="null" tab="innerlink"><span >弘福今生定期年金险</span></a><span >，这是当时最好的定期年金险，20年IRR能到3.96%！</span><br /></section><section ><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMO7qpOaHGic6mEAAPgibX2OHD2LbpyjH8SA5UT5EicMV5yicQYicN753jMXGpF1Yv1oYhJBASRkH9nc4w%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMO7qpOaHGic6mEAAPgibX2OHD2LbpyjH8SA5UT5EicMV5yicQYicN753jMXGpF1Yv1oYhJBASRkH9nc4w/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">截取文中片段</span></section><section ><span ><br /></span></section><section ><span >当时说的是：“在20年内，没有任何理财险能胜过定期年金险，增额寿都不行！”</span></section><section ><span ><br /></span></section><section ><strong><span >这点放到今天依然适用。</span></strong><span ><br /></span></section><section ><span ><br /></span></section><section ><span >只不过，今年以来并没有好的定期年金险上线，教育金倒是有，可它毕竟名义上是给孩子定制，需要有娃才能买。<br /></span></section><section ><span ><br /></span></section><section ><span >因此，我只针对<strong>有明确短期理财需求</strong>且<strong>有孩子</strong>的朋友推荐过，</span></section><section ><span ><br /></span></section><section ><span >相当于通过教育金“曲线救国”完成这类需求了<em>（即20年左右的<span >短期理财</span>）</em>。</span></section><section ><span ><br /></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">二、</span></section><section ><br /></section><section ><span >下面给大家分享具体产品。</span></section><section ><span ><br /></span></section><section ><span >要知道同为教育金，依然良莠不齐，优秀的教育金保险期内IRR突破3.9%都行；</span></section><section ><span ><br /></span></section><section ><span >一般的教育金IRR甚至不到3.5%，还不如买增额寿。</span></section><section ><span ><br /></span></section><section ><span >我找了3款当下比较热门的教育金，一起看下：<br /></span></section><section ><span ><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMO7qpOaHGic6mEAAPgibX2OH92icvhoauytebLeibiak021cmmB5s7AXuCFNT2ibicXBsc3d2zVSn1MMmCQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMO7qpOaHGic6mEAAPgibX2OH92icvhoauytebLeibiak021cmmB5s7AXuCFNT2ibicXBsc3d2zVSn1MMmCQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >先确认一点，</span><strong><span >这几款都只能给子女投保，</span><span >没娃的就别想了</span></strong><span >。</span></section><section ><span ><br /></span></section><section ><span >这3款最高承保年龄都不超过13岁，就是说，有娃但年龄大了也不能买。<br /></span></section><section ><span ><br /></span></section><section ><span >如果符合以上条件，继续向下看。<br /></span></section><section ><span ><br /></span></section><section ><span >年金和满期金领取上，规则都差不多，不过招商仁和小状元只保到21岁，比筑梦未来和鑫守护提前一年结束。</span></section><section ><span ><br /></span></section><section ><span >还要澄清一点，</span></section><section ><span ><br /></span></section><section ><span >表中年金领取比较乱，有100%保额，有5%保额，有20%保费，满期金也这样。</span></section><section ><span ><br /></span></section><section ><strong><span >不是哪家给的比例高就代表收益高。<br /></span></strong></section><section ><span ><br /></span></section><section ><span >例如给100%保额的，保额基数是5000；给5%保额的，保额基数却是10万。<br /></span></section><section ><span ><br /></span></section><section ><span >要以实际情况为准。</span></section><section ><span ><br /></span></section><section ><span >身故赔付几家则是一样，保费和现金价值取大。</span></section><section ><br /></section><section ><span >产品详情就这些，下面接着看这几款的收益情况。</span></section><section ><br /></section><section ><br /></section><section ><strong ><span style="color: rgb(33, 89, 103)">三、</span></strong></section><p ><br /></p><p ><span >以0岁男孩，一次性交10万为例，</span></p><p ><span ><br /></span></p><p ><span >看下3款教育金的<strong>现金流</strong>及<strong>IRR</strong>数据：</span></p><p ><br /></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMO7qpOaHGic6mEAAPgibX2OHu3YwEePQdleok8zddNVGgFXh62SAS0WnSkOAAZQCPVZHD8kshIuPDg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMO7qpOaHGic6mEAAPgibX2OHu3YwEePQdleok8zddNVGgFXh62SAS0WnSkOAAZQCPVZHD8kshIuPDg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: left"><span style="text-align: justify"><br /></span></section><section ><span >很明显，就最终领取金额和实际收益率IRR来看，</span></section><section ><span ><br /></span></section><section ><span ><strong>恒安标准人寿的筑梦未来是当前收益最高的教育金，IRR可达3.9%+；</strong></span></section><section ><span ><br /></span></section><section ><span >招商仁和人寿的小状元次之，IRR可达3.7%+；</span></section><section ><br /></section><section ><span >大家保险的鑫守护就很一般了，IRR只有3.4%，要知道增额寿IRR都快到3.5%了。</span></section><section ><span ><br /></span></section><section ><strong><span >因此，就实际收益来看，如果想做短期理财，筑梦未来算是首选！</span></strong></section><section ><span ><br /></span></section><section ><span >不过小状元并非就不行了，</span><span >它有个特别的优势：</span><strong >现金价值高</strong><span >。</span></section><section ><span ><br /></span></section><section ><span ><span >下面我们以趸交收益最高的增额寿</span><strong >颐悦无忧</strong><span >为例，按小状元、筑梦未来年金领取金额进行同期减保对比：</span></span></section><section ><span ><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMO7qpOaHGic6mEAAPgibX2OHcwAz5CCSMeDff9WnNjAVYSpumHKaWws71ia6Fbc4R6TwPbdBZ6ibYDsA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMO7qpOaHGic6mEAAPgibX2OHcwAz5CCSMeDff9WnNjAVYSpumHKaWws71ia6Fbc4R6TwPbdBZ6ibYDsA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">小状元&筑梦未来和颐悦无忧对比<br /></span></section><section ><br /></section><section ><span >明显，<strong>小状元现金价值在保险期间（孩子21岁前）内，高于颐悦无忧！</strong></span></section><section ><br /></section><section ><span >并且它<strong>第3年</strong>就能结束封闭期，优于第6年才结束封闭期的颐悦无忧。</span></section><section ><br /></section><section ><span >就是说，如果你有娃（≤13岁），且理财周期不超过孩子21岁，</span></section><section ><br /></section><section ><span >那么小状元是足以取代增额寿作为首选的！</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)"><em><span >与当前<strong>保终身、IRR3.49%的增额终身寿</strong>相比，</span></em></span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)"><em><span >大家可以把它理解成</span><strong><span >最长保21年、IRR3.77%的增额寿</span></strong><span >，</span><span >或者叫</span><strong ><span >“<strong ><span >增额定期寿</span></strong>”</span></strong><span >。</span></em></span></section><section ><span ><br /></span></section><section ><span >相应地，<strong>没娃</strong>（或超年龄了）<strong>以及想长期理财的朋友，还是选增额寿更合适。</strong><br /></span></section><section ><span ><br /></span></section><section ><span >毕竟小状元这种最长只能锁定21年的收益，要是孩子大一点，超过10岁，就只能锁定10年左右了。<br /></span></section><section ><span ><br /></span></section><section ><span >这必然无法与<strong>终身锁定复利3.5%</strong>的增额寿相提并论。<br /></span></section><section ><span ><br /></span></section><section ><span >毕竟小状元保险期间结束后，我们就得面临再投资风险，届时几乎没可能找到收益比肩增额寿的产品了。<br /></span></section><section ><span ><br /></span></section><section ><span >因此，对于教育金这类定期年金险，如非确定能用到，建议谨慎看待。<br /></span></section><section ><span ><br /></span></section><section ><strong><span >最后总结下，</span></strong></section><section ><span ><br /></span></section><section ><span >目前有娃且想做短期理财的朋友：</span></section><section ><span ><br /></span></section><ul ><li><p ><span >能坚持领完年金、不提前动用的，选恒安标准的<strong>筑梦未来</strong>最合适，收益最高（IRR3.9%）！</span></p></li><li><p ><span >不确定领取年金前会不会用到的，选招商仁和的<strong>小状元</strong>更好，收益差一点<span >（IRR3.7%）</span>，但胜在现金价值高，封闭期短。<br /></span><br /></p></li></ul><section ><span >不符合以上条件的，还是建议选增额寿。</span></section><section ><br /></section><p ><span style="color: rgb(33, 89, 103)"><strong ><span >附当前理财险的挑选思路图：</span></strong></span></p><p ><span style="text-align: center"><br /></span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMO7qpOaHGic6mEAAPgibX2OH4gH30gHPb1Jw7HqvEt5Dla9N4IlWQmealNeouicFxC9iaQXicsslDCbKg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMO7qpOaHGic6mEAAPgibX2OH4gH30gHPb1Jw7HqvEt5Dla9N4IlWQmealNeouicFxC9iaQXicsslDCbKg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><section ><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start">有疑问，可以加我助理微信</span><strong style="color: rgb(0, 0, 0)"><span >：</span></strong></strong><strong style="color: rgb(0, 0, 0)"><span >dongbaoye999</span></strong></section><section ><br /></section><section ><strong style="color: rgb(0, 0, 0)"><span >或长按下图二维码进入</span></strong><strong ><span style="color: rgb(33, 89, 103)">【懂保爷】公众号</span></strong><strong style="color: rgb(0, 0, 0)"><span >，关注后点击“免费咨询”菜单找我团队专业规划老师帮你解决。</span></strong></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTMPo1WFgwic4R9CzHFtIUiczrkNRONibBIRfJGTrvFFVv9TLx4VFbhuaMT0QD4kklibcE2tribo0a0dDAw%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTMPo1WFgwic4R9CzHFtIUiczrkNRONibBIRfJGTrvFFVv9TLx4VFbhuaMT0QD4kklibcE2tribo0a0dDAw/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)">相关阅读：</span></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><span style="color: rgb(0, 0, 0)"><strong ><span >怎么选理财险：</span></strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484196&idx=1&sn=e5b4f7bd19fc5008eac7f634ddcccba5&chksm=e889f045dffe7953bb7c6791cbbfa37919a692f43281323d11d0ab583f484db042b57ff8100d&scene=21#wechat_redirect" textvalue="增额终身寿险和年金险选哪个？" linktype="text" imgurl="" imgdata="null" tab="innerlink" wah-hotarea="click" hasload="1" >增额终身寿险和年金险选哪个？</a></span></section><section ><br /></section><section ><strong ><span >增额寿险评测：<a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247493186&idx=1&sn=cd505495199caa6c08b5419298e7493a&scene=21#wechat_redirect" textvalue="收益排行榜，所有线上线下增额终身寿大PK" linktype="text" imgurl="" imgdata="null" tab="innerlink"></a></span></strong><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247493434&idx=1&sn=e5fd0d9b54e0423b2944b4f6cfe858c3&scene=21#wechat_redirect" textvalue="收益排行榜，所有线上线下增额终身寿大PK" linktype="text" imgurl="" imgdata="null" tab="innerlink"><span >收益排行榜，所有线上线下增额终身寿大PK</span></a><strong ></strong></section><section ><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section></mpprofile></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 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></span></section><section label="Powered by 135editor.com" ><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>
