The children of high net worth people are born with golden keys, and they have the connections established by their parents. They can attend the best schools from kindergarten. The students around us are all children locked by Huawei in North Daqing, and the parents of the students around us are also high-net-worth people with good connections.
The core, that is, why it is getting harder and harder to be "poor" now, is that the underlying logic of these high-net-worth people is different. They are completely different from the so-called "nouveau riche" in the past, and their IQ, EQ and even wealth traders are outstanding!
The so-called "children of poor families", the students in the schools they attend, may brush Tik Tok with their parents every day, and their IQ may be similar, but emotional intelligence and financial quotient can't be brushed by Tik Tok!
Today's society is a society where class solidification and class instability coexist. The COVID-19 epidemic in early 2020 mercilessly exposed this incident.
The so-called class solidification means that those high-net-worth people are still high-net-worth people after the epidemic, and the epidemic seems to have little impact on their assets, indicating that the assets of high-net-worth people can stand the test.
The so-called class instability means that after the outbreak of the epidemic, many middle classes have been downgraded to working-class people, which fully shows that the asset allocation of the middle class in China is very problematic at present!
What's the difference between them? The difference between the two is that their definitions of assets are completely different. The middle class is more debt than assets, such as real estate that is still being loaned. This is the bank's assets, not ours.
In other words, in today's society, it is extremely difficult for us to enter the high-net-worth group, and it is extremely simple to fall from the middle class to the working class. A sudden epidemic can be done!
Then some people will ask, what does this have to do with the preparation of education funds?
Think about it, life is full of ups and downs, full of accidents and full of risks. If you fall from the middle class to the working class, how much education funds can you provide for your children? For the original working class, what can we do to provide children with a better education as much as possible?
Let's look at big data. The approximate cost of a child's education from preschool to university is as follows.
However, are these enough? There may be a bachelor's degree after 80s, but now, graduate students are already the starting line, so what about the future? Moreover, if our children have good conditions and are admitted to a good foreign school, but the cost is high, can we go? If our children's qualifications are average, they may not be admitted to the first-class universities in China, but foreign schools that pay more attention to comprehensive quality development may be more suitable for their development. Are we going or not?
Once, an article "Sorry, my parents can't give you 8 million school districts" was wildly screened. The first three sentences of "I'm sorry" even tell the anxiety of parents in China about their children's education:
"I'm sorry, mom and dad didn't take you to 30 thousand early education when you babbled."
"Sorry, mom and dad didn't send you to 80,000 bilingual schools when you were in kindergarten."
"Sorry, when you are about to enter school, mom and dad still can't give you 8 million school districts."
In fact, these three sentences can be extended:
"I'm sorry, when you were admitted to a famous foreign university, your parents were unable to send you for further study!"
Why do you say that? Let's take a look at the expense tables of famous foreign universities. In fact, many famous universities abroad are lenient and strict, so as long as they can afford the tuition, they can basically be admitted, but whether they can get the diploma depends on their children's ability, so they can rely on their parents to enter and leave on their own, but have we prepared this access card for their children?
Statistics show that from 1998 to 20 18, the tuition fees of ordinary students in China have increased by 20 times! In the past 20 years, the tuition fees of Huada University have increased by about 25 times! Children's education costs exceed pension and housing, ranking first in the total consumption of China residents!
Some people have calculated that children's education, basic education started at 300,000, quality education started at 600,000, and elite education started at 3 million. At least, with inflation and social progress, it will be higher and higher in the future. We can think about it. What kind of education level can we prepare for our children now?
So what are the characteristics of education grant?
? 1. No time flexibility: it must be used at a specific time.
? 2. No cost elasticity: How much does the school say it needs?
? 3. Children's qualifications can't be controlled in advance: some children have good qualifications and may even get scholarships, but most children have similar qualifications and still need parental support.
? 4. The total expenditure is relatively large: now the expenses of ordinary undergraduate and graduate students in China have increased so many times. Children who want to study abroad have higher tuition fees, living expenses and accommodation fees. Children can also work to earn money, which is also good for exercising their living ability, but the time is fair and how much they can achieve academically.
? 5. There is no compulsory savings account, you need to prepare it yourself: the education fund is not like a pension. Although the social security pension is far from enough, the state has at least a certain amount of compulsory savings, and the education funds are not, and we have to rely entirely on our own preparation.
So what should we do? Get ready as soon as possible!
After the baby is born, you can prepare education funds immediately. What are the advantages of preparing education grants as early as possible?
? 1.？ Compulsory savings: Many parents are not without money and poor financial management ability. They don't know how to plan or save money. If we prepare the education fund as soon as possible, we will certainly save a sum of money every year. At the same time, due to the long-term income of the education fund, we generally don't choose to withdraw it after saving it, which not only saves money, but also enjoys the dividend of long-term income, in exchange for the big money when the children need it.
? 2.？ The certainty of fixed time point: As we said before, one of the characteristics of education funds is that they are inflexible, that is, they must be used at a specific time, and this time interval is relatively long. In this process, we may encounter some unexpected situations, such as the COVID-19 epidemic, in which many people's income has been reduced more or less, or their income has been temporarily reduced because of changing industries and jobs, or even reduced because of illness or sudden risks, and so on. If you can prepare your child's education fund in advance, you don't have to worry about the impact of this sudden risk on your child's education.
? 3.？ Lock in the compound interest income: the current bank interest rate is getting lower and lower, and negative interest rates have appeared in Japan and some European countries. In the long run, the probability of interest rate will be lower and lower. Ten years ago, the insurance income was 8% low, but now the bank only has 2.5% income, and all the income of the bank is simple interest, but the income of the insurance company is calculated according to compound interest, and the insurance company makes investment instead of us.
Preparing a special and safe education fund for children as soon as possible is the best love transfer for our children!