Explain the pros and cons of "student insurance" again! The rate of return of student insurance decreases, and the principal no longer increases. Is it right to "prepare education fees with student insurance" now?
The tuition of universities is continuing to rise!Even in national and public, where tuition fees should be low, famous universities go to price rising routes
The benefits for children under the age of 18 have become a hot topic.In fact, it is intended to support child -rearing households, and there are pros and cons, but it is true that children's life and education cost money.This time, I will talk about "education expenses", which has the largest load on households among the money for such children.
As is often said, it is university that tuition is particularly high between kindergartens (nursery schools) and universities.If you choose a public school up to high school, you can reduce the tuition to some extent.In addition, the tuition of high schools has a relatively reduced burden even if you select private schools due to the introduction of the school support system.
On the other hand, the tuition fee during college is around 4.3 million yen for national public, around 6.3 million yen for private, and around 7.4 million yen for science (the actual situation survey of the first year of education. ")In the case of all -public -public from kindergarten to universities, the required money is roughly over 10 million yen, but nearly half of them are university tuition.
Japan is a relatively low price of developed countries.It has been pointed out that the need for reforms is kept low and the wages are unchanged and the wages do not rise.Under such circumstances, university tuition has been rising for decades.
The annual tuition fee of a national university was about 340,000 yen as of 1990.It is now about 530,000 yen, nearly 60 % rising.On the other hand, the average salary of office workers is less now than the bubble period of 1990.Nevertheless, the tuition is so high that the burden on households has doubled.
Tuition fees at national universities can be set freely within the standard amount (= about 530,000 yen) set by the Ministry of Education, Culture, Sports, Science and Technology to an increase of up to 20 %.In recent years, more and more schools have been raised to the full limit.There is also a plan to get rid of this standard amount so that each university can freely determine tuition fees ( * in 2020, it was once decided to see it).
For private universities, which are highly tuited than national universities and public universities, long -term prices continue to rise.Considering that students who go to private universities are many times more than students who go to national and public universities, it is natural that their children may choose private universities.Considering that government subsidies for universities are declining, and the declining birthrate is declining, and that each university is surviving to expand educational services, this trend is unlikely to stop.[ * Click here for related articles!] ⇒ Introducing the investment style and living situation of Akira who moved to the Philippines with a family for 50 million yen!Living in a large house with a monthly living expenses of 200,000 yen, the child goes to a private school
Through the birth of children, what are the four benefits of "student insurance" that you need to know before you have "student insurance"?
What parents can do under these circumstances is to spend some time saving tuition fees.Therefore, many people consider "student insurance".
Student insurance is an insurance that literally aims to create a tuition for children, and it is a mechanism that allows you to pay for a long period of time and insurance premiums, and receive a high -term maturity insurance.Generally, the maturity is set when children enter college, but depending on the product, the maturity is set according to the timing when children enter junior and high schools, and preparation for proceeding during the contract period.You can also set the money.
In the past and now, many people take out school insurance before and after the birth of children.In fact, school finance insurance is a financial product with many benefits.Nevertheless, don't be aware of what kind of product and what you need to be aware of, and join without thinking deeply, such as "because everyone is joining" or "because it was recommended."Is not good.
So, let's take a look at the advantages and disadvantages of school insurance insurance.
First, the main benefits of student insurance are as follows.
[Advantages of school fund insurance] ① It is harder to break down than saving in bank deposits, and forced to save the first.(2) If the policyholder (parent) dies before maturity, the subsequent insurance premium will be exempted and you can receive the maturity insurance.(3) Depending on the product, some returns have a high return rate (higher maturity insurance than paid insurance premiums).④ Depending on the product, there are some children's death protection and medical expenses guarantee for illness or injuries.
Bank deposits have low interest rates and can be easily broken down, so those who are weak and not good at saving are the theory that saves by means other than deposits.Therefore, it is also a good idea to save in advance with school fund insurance.It is also attractive to be able to secure children's tuition even if parents are in the unlikely event.
Student insurance is roughly divided into "savings -oriented" and "security -stressed".Saving -oriented types have a high return rate as shown in the merit ③, but in principle, the security is small and specialized in preparing for education expenses.
On the other hand, the reward rate is lower as the security is generous, and the maturity insurance is less than the insurance premium paid in principle (= the principal crack).If the return rate is less than 100 %, the principal will be broken.[ * Click here for related articles!] ⇒ "Educational funds" to be prepared for "Tsumata NISA", and the useless is "housing funds"!Explains how to use Tsumitate NISA in your 30s and 40s who need money!
In the past, it was Zara that the maturity gold was 20 % more, but now the planned interest rate has declined, and the yield is down even for savings -oriented school insurance.
A long time ago, the insurance rate of insurance (the interest rate promised by the insurance company) was high, so the return rate for savings -oriented school insurance was around 120 %, that is, 20 %.However, the planned interest rate is now very low.The planned interest rate is set by insurance companies based on the standard interest rate set by the Financial Bonds based on the yield on government bonds, but the standard interest rate is now on the bottom.
For this reason, the idea of "should be considered separately from security and savings" has become the mainstream, and insurance that has savings as much as it used to be (in addition to student funds, life insurance with a refund and old -fashioned insurance, etc.).It is no longer popular.
In fact, the return rate of student fund insurance, which emphasizes savings, is around 105 % at most.Of course, considering the interest rate of bank deposits, it is much higher, and it is attractive in that regard because it has the advantages of ① (difficult to break down) and ② (in the unlikely event that it is guaranteed).However, compared to the return rate a little earlier, it is undeniable that it is unsatisfactory.
The fourth advantage of school fund insurance is that "some products have the death of the child and the medical expenses guarantee for illness or injury."It is suitable for those who want to consider child life insurance and medical insurance while preparing for education.
However, as you know, the medical expenses for the child's insurance medical care rarely cost to reach a certain age.All prefectures and municipalities have introduced a medical expenses subsidy system for infants and children.Therefore, until the child is 15 or 18, the medical expenses of the parent's burden will be free or limited to some burden.
Also, even if a child dies, it is unlikely that parents and other bereaved families will be financially distressed.Therefore, it seems that the necessity of ensuring the death of children's death and medical care for school fund insurance is not high.However, there is a difference in the subsidy for medical expenses for each local government, so please check the contents of the system before judging.[ * Click here for related articles!] ⇒ Introducing the "social security system" that will be lost if you do not know!Check the national and local government's social security system, such as high medical expenses, education training benefits, subsidies for purchasing electric bicycles and garbage disposal machines
What are the three disadvantages of "Student Insurance"?If the economic situation changes and the cancellation is canceled, the principal may be broken!
Next, the disadvantages of school insurance insurance are as follows.
[Disadvantages of student insurance] ① Cannot be drawn to maturity.If you cancel during a halfway, there is a risk of the principal break.② The return rate is not as high as it used to be.③ Vulnerable to inflation.
One thing to keep in mind in school fund insurance is that canceling on the way is likely to lose.If you suddenly need money, you can cancel, but you will not be able to get the insurance premium you have paid up.In many cases, you will receive a less than the principal.Therefore, you must not cancel as much as possible.In the first place, instead of preparing all educational expenses with school funds, using school fund insurance to prepare a part of the education expenses within the scope of insurance premiums that can be paid without difficulty.There is.
By the way, even if you intend to carefully choose a reasonable insurance premium, it may be difficult to pay insurance premiums during the insurance period.If it is difficult to pay regular insurance premiums, but there is no necessity to cancel and pay for it, there is a way to make it "paid insurance".Waiting for maturity with the payment of insurance premiums is stopped, and when it is maturity, you can receive insurance money according to the amount you have accumulated.
It is also possible to consult an insurance company to reduce insurance premiums.In addition, if you need an urgent money, it is one plan to continue paying the insurance premiums for school fund insurance and considering the use of the "contractor lending system".This system can be used by the insurance company that can borrow money from the insurance company, not limited to student insurance, but also those who have saving refunds.
Let's go back to the disadvantages of school insurance.As described in ②, the return rate of school fund insurance has dropped significantly than before, and the appeal has been reduced.There is no problem if you think that it is enough to increase 5 % in the principal warranty, but if it seems unsatisfactory, you may want to consider another option.
Previously, it was possible to prepare for savings insurance other than school fund insurance, but as mentioned above, the planned interest rate has declined, so it is difficult to form assets with insurance.If the principal crack is absolutely unpleasant, it is better to choose school insurance (savings -oriented type).If you want to increase your money more efficiently, even if you take the risk of broken principal, consider the funding of investment trusts.
The last disadvantage is "vulnerable to inflation."At the time of the contract, the amount of money you receive at the time of the contract has been confirmed.During the contract period, extreme inflation occurs, prices rise, and the value of cash decreases, but the amount you receive does not fluctuate.Of course, taking into account that, you can prepare money besides school insurance yourself, but the fact that there are many families who can not afford it.By the way, there is a risk that the tuition fee will rise overall when inflation.[ * Click here for related articles!⇒ ⇒ Explain the “eight questions” that people who cannot start “Tsumitate NISA” tend to have!Answers on how to choose financial institutions and investment trusts and how to combine with "iDeCo"!
Consider "Tsumitate NISA" that can efficiently increase money!Demand for "Junior NISA", which is abolished in 2023!
So far, we have seen the advantages and disadvantages of school insurance insurance.
Student insurance is guaranteed to be received at maturity, and if you choose a savings -oriented type, some products will not break the principal, so it is perfect for those who want to avoid cracking principal.In the unlikely event that parents have something, there is a function of guarantee that tuition is secured, so it can be said that the significance of joining is still.
Nevertheless, the return rate has declined, for example, it is more likely that you will be able to increase money efficiently by accumulating monthly insurance premiums with investment trusts.Investment trusts do not have insurance -like functions, so it is harder to say which is better than the two, but if you focus on increasing money efficiently, it is better to operate with investment trusts.It may be better.
There are "Tsumitate NISA" and "iDeCo (individual defined contribution pension)" are systems that can fund investment trusts while receiving tax incentives.iDeCo is for preparing for retirement, and in principle, you will not be able to withdraw unless you are 60 years old, so if you want to prepare for education, select NISA.[ * Click here for related articles!] ⇒ Introducing how to steadily accumulate "educational funds, housing funds, and retirement funds" in "Tsumata NISA"!Professionals explain the "three investment trusts" and "reserved amount" recommended for married couples in their 30s who are raising children!
There are three types of NISA systems that are tax -exempt from investment: (general) NISA, Tsumetate NISA, and Junior NISA, of which Junior NISA will be abolished in 2023.
Junior NISA is for minors, and the profit of 800,000 yen a year is exempted for five years.Opening an account under the name of a child, and the fact that parents and others operate stocks and investment trusts, it was possible to prepare educational expenses at a great price, but the number of users did not increase so much and it was abolished.
However, I came here and the junior NISA has been attracting attention again.In the first place, Junior NISA could not pay the funded funds until the holder was in the third year of high school ( * When paying out, it is taxed back to profits unless it is unavoidable.)However, since the abolition was decided in 2023, it was possible to pay without a penalty after January 2024.If you open a junior NISA account in 2021, it seems that more people are worried, as the profits of up to 2.4 million yen will be exempt from the 3 years of 2021, 2022, and 2023.。[ * Click here for related articles!] ⇒ I bought an investment trust at SBI Securities "Junior NISA"!Easy -to -understand explanation of the flow of investment, from how to deposit in a junior NISA account to an ordering stock or investment trust
If you are used to investing to some extent and have enough investment funds, you may use junior NISA by rushing.However, those who have poor operation experience and do not use NISA (general) NISA or NISA at the moment, rather than suddenly choosing a junior NISA, the aim is to use up the name of the couple's name.It is recommended to increase your experience.
Of course, there are also methods such as using the school fund insurance and the NISA in half and half, so please take a closer look at the way you are.
(Coverage / Natsuka Motoyama)
風呂内亜矢（ふろうち・あや）［ファイナンシャル・プランナー］一級ファイナンシャル・プランニング技能士、宅地建物取引士。会社員だった26歳のとき、貯蓄80万円でありながら自宅用としてマンションを衝動買い。物件価格以外にも費用がかかることを知り、あわててお金の勉強と貯蓄を開始。年間貯蓄額を一年で6倍まで増やす。その後、自身の体験を活かしてマンション販売会社に転職。年間売上一位の実績を上げる。2013年、ファイナンシャル・プランナーとして独立。著書は『超ど素人がはじめる資産運用』（翔泳社）、『デキる女は「抜け目」ない』（あさ出版）、『ケチケチせずにお金が貯まる法見つけました！』（王様文庫）など多数。日常の記録にお金の情報を織り交ぜる「FUROUCHI vlog」を更新中⇒https://www.youtube.com/c/FUROUCHIvlog/[ * Click here for related articles!] ⇒ [Credit card of the year 2021] "Recommended credit card" is selected by two experts!Explain the "Best Card in 2021" in all eight categories!⇒ [Thoroughly compare the interest rate of time deposits!] Select for the height of the time deposit interest rate!Recommended net bank ranking!⇒ Explain the “eight questions” that people who cannot start “Tsumitate NISA” still tend to have!Answers on how to choose financial institutions and investment trusts and how to combine with "iDeCo"!
* What is the strongest card in 2022 chosen by two credit card experts?⇒ [Credit card of the year 2022] Two experts select "Recommended Credit Card"!Explain the "Best Card in 2022" in all eight categories!
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