讀後心得

The future of children cannot wait; many parents are starting to emphasize parent-child financial planning, and regular fixed investments have become a trend. According to Jifutong data, over 80% of parents choose this method to plan higher education funds for their children. Among the monthly fixed investment amounts, about 40% is 3,000 yuan, indicating the popularity of financial management. Equity funds account for 75%, reflecting investors' ability to bear risks. General Manager Wang Haoyu pointed out that, with the changes of the times, parents not only focus on intellectual and emotional development, but also pay more attention to their children's financial literacy, helping them establish a good concept of money through financial education.

The future of children cannot wait! The 10 funds regularly invested by parents are revealed.

In recent years, parent-child financial management has received significant attention from many parents. A large fund trading platform indicates that more and more parents are investing using their children's red envelopes, scholarships, or small amounts of money, with over 80% of families opting for a systematic investment plan to plan their children's future education fund. Furthermore, through the process of parent-child financial management, parents can help establish good values and proper money usage practices for their children.

Statistics show that over 30% of parents open dedicated accounts for their children, with more than 80% choosing systematic investment methods. In terms of investment amounts, about 40% of families invest a fixed amount of 3,000 yuan per month, while 15% each invest between 3,000 and 5,000 yuan and between 5,000 and 8,000 yuan, indicating a high prevalence of parent-child financial management.

As for the types of funds that parents invest in regularly for their children, equity funds remain the most popular choice, accounting for about 75%. This is followed by balanced funds, which account for approximately 20%, reflecting a preference among younger investors to take on risks with a more aggressive investment strategy while also maintaining stability.

Observing the top 10 systematic investment funds, 3 are retirement project funds, namely a certain Four Seasons Growth Portfolio Fund, a certain Universal Growth Leisure Fund, and a certain Taihang Retirement 2049 Target Date Fund; 5 are Taiwan stock funds, including a certain Taiwan Technology Fund, a certain Taiwan Wisdom Fund, a certain Quality Fund, a certain Dark Horse Fund, and a certain Taiwan Dam Fund; the remaining 2 focus on the technology industry, namely a certain Global Technology Fund and a certain American Technology Fund.

The general manager of a certain platform stated that the design of retirement project funds aims for long-term financial management, capable of adapting to market fluctuations, and providing lifelong zero handling fees and low management fees, making them an ideal tool for parents to reserve funds for their children's higher education in the future.

With the changes in society and the impact of declining birth rates, parents hope to provide the best resources for their children. They not only value intellectual and emotional development but also begin to emphasize the cultivation of financial intelligence. Many families divide the red envelopes and various subsidies or scholarships received by their children during the New Year into 12 portions, and if any portion is less than 3,000 yuan, the parents will make up the amount, using systematic investment methods to manage finances, ensuring that the money is genuinely used for the children. This not only alleviates financial burdens but also helps children establish good values and spending habits, benefiting them throughout their lives.