Group 1 - The article emphasizes the importance of education in enhancing human capital value, citing that the return on investment for a bachelor's degree is approximately 18% annually, with a net return of 15% after inflation [15][16][17]. - It discusses the rising costs associated with education, which are increasing at a rate that surpasses the average inflation rate, making education funding a critical consideration for many families [23][24][25]. - The article highlights the need for families to plan for education funds, including both the parents' retirement and wealth transfer strategies [3][20]. Group 2 - Two main investment tools for education funds are identified: public mutual funds with regular cash flow and education savings or insurance products [27][36]. - Public mutual funds, particularly those with regular dividends, are suggested as a viable option for families needing consistent cash flow for educational expenses [28][30]. - Education savings and insurance products are characterized by their fixed terms and lower volatility, making them suitable for families that prefer to avoid principal fluctuation risks [40][42].