在英国这里,有很多针对儿童储蓄/投资的优惠政策,比如:免利息税的儿童储蓄账户以及理财账户。通过开设这样的账户,可以培养孩子们对钱的意识,也算是财商教育的启蒙吧。 ![image](https://user-images.githubusercontent.com/63479035/144763796-d10fb6f7-6386-4cab-a2ad-2ff1dc584bae.png) Source: Pixabay 先来说说最为常见的Junior ISA(Individual Saving Account)。这是一个专门针对儿童的长期免税储蓄账号。其利息比一般账户要高。家长可以帮助自己的孩子开户,每年有固定的储蓄额度,目前是每年£9,000。 只不过要注意的是,钱一旦存入这种账户,钱就属于孩子,家长就不能把钱取出来了。除非等到孩子满16岁,可以访问这个账号。满18岁,则可以把钱取出来。 一旦开设了这个账号,可以让孩子们一同参与,把他们得到的零花钱保存到这个账户中。他们就可以看到自己的钱如何变成账户中的数字。同时也能看到通过这种方式赚取利息的。这就相当于给他们最初的财商教育。 现在这种账户一般都可以通过在网上申请。尤其是疫情开始之后,人们更倾向于在网上申请以及处理相应事宜。不过一旦都恢复正常之后,还可以带着孩子去银行柜台一同办理,让他们有机会和银行工作人员沟通,获得最直观的认识。 个人而言,我更喜欢另外一种投资方式,就是购买相应的基金。在一些大的基金交易平台上,也可以给孩子们开户,同样也是免税的。早一点让他们接触一些基金,知道一些投资的基本概念,也是一个不错的选择。何况,如果选择了稳健的基金,收益比银行存款账户要强太多了。。。
post_id | 96,089,059 |
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author | aafeng |
permlink | 572amy |
category | hive-180932 |
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created | 2021-12-06 19:01:18 |
last_update | 2021-12-06 19:01:18 |
depth | 0 |
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pending_payout_value | 0.000 SBD |
promoted | 0.000 SBD |
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author_reputation | 154,091,178,885,616 |
root_title | 说说英国的儿童储蓄/投资账户 |
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