I'm a former finance employee, but I don't have student insurance.

I can't say it out loud...

As a former finance employee, I am not covered by student insurance.

Student insurance is safe to prepare for children's education expenses

It's easy to think, but when you actually look inside...There are advantages, but there are also quite a few disadvantages

Benefits:

・ A sense of security that is forcibly accumulated

・ There may be a guarantee in case of emergency

Disadvantages

The yield is very low.

・ It may be a big loss if you cancel on the way

← For example, even if you pay "15,000 yen per month x 18 years = 3.24 million yen," it will return about 3.74 million yen.

The increase in 18 years is 500,000 yen

Since I am making a reserve investment with NISA instead, I will invest the same amount...

If the annual average return is 5% → about 5 million yen

If the annual average return is 7% → about 6 million yen

Planned to be

Of course, there are risks and price movements can cause anxiety.

However, if you have long-term, distributed, and funded on your side, you may be able to increase education funding.

I summarized the differences between student insurance and NISA, so if you are interested, please take a look at the text

I, a former financial employee mom, will continue to tell the real story of money.

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