理财 | 育儿 | KOPP Scholarship Fund~ 教育投资基金

 升为人母后,身边一些朋友会很热心地提供劝告与服务,例如孩子的医药保险和教育基金等。

有时会很惊讶,原来很多东西是可以‘保’的。例如孩子如果有黄疸病的话,医药保险会给一笔RM1K现金等等。

今天就想分享一下教育投资基金。这非营利组织也是我闻所未闻的 (我太孤陋寡闻了 @@)

KOPP完整名称是Koperasi Pembangunan Pendidikan Bhd。

Objective:
-A registered non-profit co-operative society providing maximum benefit to members
非营利组织
-Established since June 1993.
创办于1933年6月
-Concept borrowed from Canadian Scholarship Fund (60 years old) and Australia Scholarship Fund (40 years old)
仿效于加拿大教育基金(60年历史)及澳洲教育基金(40年历史)
-To provide the funds necessary for Higher Education through an easy affordable scheme.
通过低价管道投资升学教育费用

运作方法和Unit Trust 类似,有Fund manager 和 Trustee 来运作。

父母需要为孩子投资18年,孩子19岁时可以提出教育金。

一个月投资RM81.05,19年后拿回本金RM15K,加上利息RM28.7K,共RM43.7K。利率8%。






这是蛮不错的投资,固定利率8%。因为是非盈利组织,所以抽取的营运费用比较低。以下一些好处(Benefit)可以做参考。

至于我呢?我还是婉拒了。因为必须硬性投资18年,对我而言蛮挑战的,本身已经有信托基金和股市投资,财进财出太多所以还是量力而为吧。

不过好康还是要分享 :) 可能你会觉得这适合你呢~

更多详情可以参考 KOPP Website

For the past 10 years, KOPP was able to maintain giving out the scholarships at amount in the projected benefits table due to:

1)KOPP is a non- profit based society
 - Koperasi’s are only taxed 5% and can only give a maximum 5% dividend to its shareholders (Cooperative Society Act 1993), thus maximizing the profit earned from its investment.
- Whereas Insurance companies / Takaful Operators are taxed 8% + a 25% corporate tax by the government. They also need to give out a higher dividend to its shareholders based on the profit earned.

2)Parent Protection Benefit
-All Contributions up to time OF DEATH or TOTAL DISABILITY are refunded to surviving parent.
-No further contribution towards the fund is required.
-The child will still receive the Scholarship in the normal manner when he/she continues on to Higher studies.

3)Contingency Fund
-In the event a member is faced with temporary financial hardship (loss of job/poor business/high medical bills for his immediate family), he can apply for this fund to pay for his contributions for a maximum one year.
-Subject to approval of the Board of Directors.
-Members do not need to repay these contributions & neither will it make any difference to the value of the scholarship

4)Residual Fund
-Some students may quit or drop out of College/Uni, or only 2 years courses, the scholarship unused by them is transferred to a fund called the Residual Fund. 
-This fund is used to assist brighter students pursuing longer courses of study, for a maximum of six years, (depending on the availability of the residual fund)

理财 | 育儿 | KOPP Scholarship Fund~ 教育投资基金 理财 | 育儿 |  KOPP Scholarship Fund~ 教育投资基金 Reviewed by Angel Poi Woon on 上午10:15 Rating: 5

4 条评论:

  1. 8%很不错的回报呢
    虽然18年后的通货膨胀,RM43K不知道可以用来做什么
    但是如果不喜欢投资股票等高风险高回报的朋友们是蛮稳定的
    8%比公积金高哦
    不过我没有小朋友,所以只是讲爽而已;p

    回复删除
    回复
    1. 所以可以选择每月存多一点,18年后拿比较多钱咯XD

      删除

Blogger 提供支持.