094 Planning Education Fund through USD plans

教育不能等	Education can't wait/b>
图中的小妹妹很可爱是吗？试想她是您的宝贝女儿。您要她永远最好的，包括教育。从小您送她去补习，您要她学习。当时间来临是她上大学时，她的教育费是否已经就位了呢？	Cute isn't it the girl in the picture? Imagine it's your girl. You want her to have the best, including education. Since young, you sent her to tuition, you want her to learn. When the time has come for her tertiary education, is her education fund in place?
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大部分父母想送孩子出国留学。但不是全部入负担得起。庆幸的是我们有政府和私人界来的贷款或赞助供选择。我们只是不确定是否能成功申请。	Almost all parents want to send their children for overseas study. But not many can afford to. The lucky things are we have loans and sponsorship from government and private sectors. The uncertain part is whether we can secure one.
因此，身为父母还是未雨绸缪事先另外为孩子准备教育费为妙。如果孩子12~20年后才要经费，那父母有15~20年时间累及该笔数目。	So, it's best for parents to start separate education funds for their children. If the children will need the fund in 15~20 years, it means parents have 15~20 years to accumulate that sum.
以下是由Investor Trust SPC准备的一张图表。是用来教育民众关于提早准备的重要性。	Below is a guide prepared by Investors Trust SPC, to educate the public on the importance of early planning.
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89%的美国父母同意教育是给孩子们的未来的投资。许多人也同意为教育费做准备也是一项挑战来的。有些人甚至倾向延迟孩子的教育，而40%的家庭为教育费而申请贷款。	89% of US parents agree education is an investment for their kids' future. Many also agree it is a challenge to prepare for it. Some tends to delay children education, while 40% of families took loans to pay for education.
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我们也看到少过一般的家庭确立计划来储蓄教育费。相比不做的，真正如此做的可以储蓄到更多的经费。因此，没有计划就等于在海中漂流。	We also see although less than half of families instituted a plan to save for education fund. The reward for that higher savings as compared to who didn't. So, without a plan is similar to drifting in the sea.
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我手中没有马来西亚的相关数据，只是依据差不多每年都发生的申请JPA或PTPTN贷款的事件，马来西亚的父母确实也重视孩子们的教育，只不过没有妥善准备吧。	I don't have the figure for Malaysia but judging from the almost annual affair parents appealing for JPA or PTPTN loans, safe to say all parents in Malaysia also placed high importance to education but are ill-prepared for it.
话说回来，也不能怪任何人。马来西亚还是发展中国家。人民还处在为养家糊口而打拼的情况。无论如何，我知道有父母仍然在有限的资源当中尽力为孩子储蓄。确实让人敬佩。	However, we can't blame anybody on that part. Malaysia is still a developing country where people are still struggling for living. Still, I know many parents do still try to squeezed out something for their children. A respect for them.
让我们来看看在美国读书需要多少钱。4年期的私人学院要13.4万美元（58.9万马币），18年后涨至32.4万美元（1.43百万马币）。	Let's see how much one should prepare to go to study in US. A 4-year private college cost USD134K (MYR589K), and grow to USD324K (MYR1.43M) in 18 years time.
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两者都是乍舌的数目对吗？尤其是父母的存款以马币为主而又必须一次过转换成美元。万一遇上兑换率不理想，压力就很大了。	Both are stunning figures, aren't they? Especially true if the parents have been savings in MYR and had to exchange to USD in one go. This creates pressures when the exchange rate is unfavourable.
所以，现在建议每月定期储蓄美元。这样，兑换率就可以在整个期限中平均掉。而当中的投资部分可以为储蓄增值。	So, the idea now is to save directly in USD through monthly savings. In this manner, the exchange rate can be spread out throughout the whole period. And the investment part will increase the value of the savings.
让我们使用以上的数字来看看一对父母该存多少钱。我们需要用到财务计算机(实体或应用程序)。	Let's use the above figures and see how much should a parents save. We will need a financial calculator (physical / app).
例子: 总数，FV:32.4万美元 总期数 ，n:180月(15年) 回酬，i:5%年利 每月，PMT:1212美元	Example:- Total Sum, FV: USD 324K Total Years, n: 15 Years (180 months) Interest Rate, i: 5% p.a. Monthly, PMT: USD 1,212
如此，我们知道每月需交1212美元。此时父母亲得回顾他们的资源并决定他们能够负担多少。需谨记少好过无。	Now, we see USD1,212 monthly is needed. The parents must review their resources and decide how much they can put. Start with a smaller figure is better than not starting at all.
他们也可以选择不单单存美元，也可考虑欧元、马币或英镑。	He may not want to save all in USD, some he may want to be in EUR or MYR or GBP.
在这之前，本土并没有美元保险计划。一直到马来西亚把纳闵规划成离岸金融中心，吸引国际保险公司在纳闵设计分行。Investor Trust既是其中一间，也在辉立资本的平台。	All the while we don't have USD insurance plan in Malaysia, right until Malaysia set up Labuan as offshore financial centre to allow international insurance companies to set up office. One of such insurance company that offers such plan, through Phillip Capital platform, is Investors Trust.
Investors Trust不会直接向顾客介绍他们的产品。顾客必须聘用一名理财师来确保该产品适合他。更重要的是，要有一个计划并不时跟进。	Investors Trust do not meet with clients directly to showcase their products. A client must engage a planner to properly review that such a product is suitable for him. Most importantly, there must be a plan and it must be review all along the way.
对顾客而言，购买这类计划与购买本地保险无异。他必须每月付款直到完成年限。若是半途而废的话，退保额会很少。既然这是离岸保险，他以信用卡付款。	A client who took up such plan is similar to signing up a local insurance plan. He must duly service the monthly installment during the whole tenure. If if stops half way, the surrender value will be very pathetic. Since this is offshore insurance, he will make the payment using his credit card.
顾客可以依据需要选择供款期，比如5年、10年、15年或20年。	Client may choose a suitable paying period - 5, 10, 15 or 20 years.
当保单满期后，他即可把钱转至孩子升学地。即使他是储蓄美元，他仍然可以转移至澳洲、英国或日本等。	When the plan matured, he may transfer the money to where his child studies. Maybe he save in USD, he can still transfer the money to Australia or UK or Japan etc.
幸运的话，他的孩子要是成功获得政府或私人公司赞助，他可以把钱当作退休金或孙子的礼物。	If he is lucky that his child is sponsored by government or private company, he can use the sum of savings for his retirement or as gift for grandchildren.
我邀请父母亲前来为将来(退休、教育费、投资)做规划。存下的一块钱才是属于你的。	I invite parents to come to us to plan for future - retirement, education or investment. A dollar saved is a dollar earned.
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