Having a baby was the biggest accident in my financial life.
“#生孩子是我理財路上最大的意外」這句話一點都不誇張。
The money it takes to have a child is second to none.
But the money to raise a child is much more than I could have imagined.
Like every parent, I want children to have the best resources and live the best lives.
But it all takes money.
Especially at this stage of my child, who is young and needs special care.
In addition to the diapers and milk powder that everyone imagines, he has now started kindergarten.
I can feel the wallet bleeding even when it comes to spending every year. (This does not include his later interests, and if he wants to learn golf, it really burns money) And as he gets older, there are a lot of unpredictable expenses.
To talk about what is most special about your child's finances, the first is #保險。
For me, insurance is: "#不管我有沒有在， #他都可以順利長大， #不需要為了錢煩惱」
To this end, the insurance I purchased was life insurance and the beneficiary was my wife.
That means if I'm still around, then I can continue to earn money to raise him.
If I have any winter melon tofu, the insurance compensation is enough to keep him growing.
I believe everyone understands this, and I believe that the vast majority of capable parents do.
Second, it's #教育基金。
As we Chinese often say, “#再窮也不能窮教育」如果要怎麼規劃孩子的教育基金，我的首選一定是 SSPN.
Since his deposit fund is guaranteed by the Malaysian government, the interest rate is stable.
Not only that, you can also get tax relief benefits of RM8,000. (Only accounts opened in the child's name are closed)
There is a problem with the SSPN, “#它不大能抗通貨膨脹」看回 SSPN has been around 3% - 4% over the past year, although it is higher than bank term deposits, it is possible that it will not catch up with the rate of inflation in education expenses.
On average, the cost of education increases by about 5% per year.
Last year, I made one more choice, and that was “#存股」投資什麼股票？
I will divide into defense-type, attack-based, and market-based index-based ETFs.
DEFENSIVE WOULD BE COMPANIES WITH STABLE INTEREST RATES AND NO RISING ASSET VALUE, SUCH AS APPLE AND GOOGLE.
THE TYPE OF ATTACK IS COMPANIES WITH A LOT OF ROOM TO GROW, SUCH AS TESLA.
A market-based index ETF is a passive fund that follows the big trades, such as SP500, VOO.
If you tell me, there will only be a maximum of 3 stocks left.
Just one stock can help you make big money.
Because the principle of the Survival Education Fund is, #越簡單越好，不 #要太複雜。
Although there is a saying that goes like this, “#再好的學校比不上給力的家庭， #再好的老師比不上父母的言傳身教」但我們無可否認，一個好的學校，可以給孩子更好的起跑點。
A high school cannot guarantee a life's upper limit, but it can set a life's minimum.
It's more than just giving kids knocks, admission tickets, people, circles, resources.
Dear parents, no one is easy. Let's work hard to move bricks ~
Disclaimer: Community is offered by Moomoo Technologies Inc. and is for educational purposes only.
Read more
Comment
Sign in to post a comment
