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)