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strategy guideses
20/10/2011 06:14
Educate to manage finance whole strategy guideses
The around educational topic is always numerous and complicated complicated.We put°througed "schooled begins, for fall in love with a finance mangaing lesson" report way and caused the hot argument of parents last week.Stand on the angle of finance mangaing to see in fact, not outside two big parts, one is educate a gold storage programming, two is educate gold expenditure management.How to store,strategic alliance completely manage the good sons and daughters' education gold?Recently, we covered to come from work to go, the agriculture go, medium line, set up a line and recruit to go manies of etc.s finance mangaing teacher, and insurance company life insurance programming teacher, they provided 1 to educate to manage finance whole strategy guideses for parent.
The three greatest outlets have foot education gold
The fund settles hurl
The fund settles hurl as the best way that educates a gold storage and got each bank finance mangaing teacher generally accepted.The work goes heavy celebrate branch office finance mangaing teacher Li Guo said, educated a gold to program proper early should not be late, after kid's birth, start in a fund to settle hurl, invest for 5-10 years times, is a realization education gold backlog of had better way.Invest a storage education gold first is beg steady.The fund settles hurl monthly fix time settle sum investment fund,advance retire fund price Gao buy a quota little, but the price bought a quota while being low and accumulated over a long period of time, can effectively get around risk, the compound interest contains obvious effect.In the meantime, the fund settles hurl to also have the finance mangaing habit to help development kid.The 100 dollars start that the agriculture goes a fund to certainly throw plan to an opportunity to try finance mangaing of university student.
Educate insurance
In addition to the time deposit, fund settles hurl etc. form, the insurance industry is also quite good education gold to store a way.Several life insurance companies all released the little son education gold plan and all belonged to the insurance product of saving the property and not only satisfied an education budget storage demand and had certain guarantee function in the meantime.Send a treasure such as the Ji star of the growth happy little son two whole insuranceses, peaceful span of life of new Chinese people's life little son two all and nearly, the little son of the peace span of life education fund plan.In the meantime, education gold insurance mostly gives bonus a type to nearly grow, the annuity benefit can provide the education expenses of different stage and have of still include graduation to start a business behind fund, marriage a fund etc..Its biggest characteristics is particularly a style appropriation, the risk undulates small, more suitable investment conservative type the family use.
Purchase gold
Moreover, currently inflation expectation mightiness of under the big background, the protecting of gold is worth function to gradually present, is also extoled by market.But to common investor, the gold price future trend is very difficult accurate judge, a time of investment risk is big.Therefore, plan storage education gold of the family can is an assistance investment the gold, and suit more to do gold periodical investment.Currently, the work goes, the agriculture go, medium banks with several etc. in the line all released gold to settle hurl product.The investor can divide to criticize buying over a long period of time, betterly equilibrium risk.
"Jointly" the management educates expenditure
The remittance transfers more a special discount
Certainly, in addition to working well storage, education the expenditure of the gold's managing is worth considering.Especially be sons and daughters to go to the circumstance that the foreign land goes to a senior high school or university.Periodically pay school fees to O.K. say annually, but sons and daughters monthly living expenses how pay, the supervision became a problem.A time of give cash, the parent isn't rest assured, therefore, the many peoples all chose monthly remittance or transfer.Currently, several banks all for need the family of foreign land access style provided more convenient remittance to transfer passage and included a charge to reduce to don't need to wait a special discount.If the work goes and then broked through to automatically transfer business, the bank could press engagement amount of money and condition, auto transfer funds funds arrive appointed account;Canvass business the bank release cellular phone bank to transfer all of the remittance service charges to don't need a special discount etc..
Main vice- card actually manage
The family that studies abroad an overseas to the sons and daughters, using the credit card is a generally accepted best choice.The parents hold main card, the sons and daughters hold vice- card.The sons and daughters are offshore to consume, the parents return a style in the domestic, can also control a kid in the meantime the living expenses use a circumstance abroad.Currently, majority of banks all have renminbi|USD double currency card, or is a specialized single foreign currency credit card.In addition, if the Chinese bank(601988 estimate a value, measure to review,building target mangaing programming condition of the market, information, main business) and medium letter bank(601998 estimate a value, measure to review, condition of the market, information, main business) etc. still exclusively released student abroad credit card.The currency grows to up have various choices, besides which, , these student abroad exclusive credit cards returns each etc. with specially increased in value service, urgently supported service such as the shopping, international ticket discount, global express delivery and world.Now, the main vice- card form is gradually adopted by the local family.The parents carry out their own credit card a subsidiary card, hand over to the kid the usage.Not only more safety convenient, pass consumption methods, such as message notice and Zhang list management...etc., also ability actually control a kid consumption circumstance.
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