讀後心得

As parental finance becomes increasingly important, more and more parents are beginning to invest regularly in funds for their children. According to a survey by Ji Fu Tong, over 30% of parents have opened accounts for their children, with 80% using the dollar-cost averaging method, mainly investing in equity and balanced funds. The fixed monthly amount is primarily around 3,000 yuan, reflecting the trend of popularizing financial management. Parents hope that through this approach, they can not only save for their children's future education but also help children establish good financial concepts. Statistics show that popular funds include retirement plans and technology funds, which are suitable for long-term financial management and can withstand market fluctuations.

The future of children cannot wait! Many parents are starting to invest regularly and systematically in funds to ensure educational resources for their children. According to data, it is increasingly common for parents to utilize their children's red envelopes, scholarships, or small investment funds, and over 80% of parents on the platform choose a regular investment method to plan their children's higher education funds. At the same time, in this process, parents can also help establish good values and money management habits for their children.

According to statistics, over 30% of parents have opened dedicated accounts for their children, with about 80% choosing regular investment. Approximately 40% of parents invest a fixed amount of 3,000 yuan each month, while 15% invest between 3,000-5,000 yuan and another 15% invest between 5,000-8,000 yuan, indicating a fairly high level of financial awareness among children.

In terms of the types of regular investment funds chosen by parents for their children, equity funds remain the mainstream, accounting for 75%, followed by balanced funds, which account for about 20%, indicating that investors are relatively young and can bear moderate risks, with an investment style leaning towards being aggressive.

Among the top 10 regular investment funds, three are retirement project funds, which are various combination products under a certain fund company. Additionally, there are five Taiwanese stock funds and two funds focused on the technology industry. These retirement project funds are designed for long-term financial management, capable of withstanding market fluctuations, and combined with the low fees and low management rates provided by the operators, they become an ideal choice for parents to reserve future education funds.

With social changes, more and more parents value cultivating their children's financial intelligence. In addition to intellectual and emotional development, they also hope their children can master money management skills. Therefore, many families divide their children's New Year red envelopes and various allowances into 12 parts, and if any part is less than 3,000 yuan, the parents will top it up, allowing the regular investment approach to be implemented, ensuring that the funds are truly used for their future. This not only alleviates family pressure but also helps children establish good financial concepts and methods to achieve their future life goals.