Investment Journey
A Plan That Grows with Your Child
Our age-based strategy ensures the right investments at every stage.
Foundation Building
Start early SIPs in equity funds. Even small amounts compound significantly over 15+ years.
Growth Phase
Increase SIP amounts as income grows. Maintain equity allocation for long-term growth.
Transition Phase
Begin shifting to balanced/hybrid funds. Reduce volatility while preserving gains.
Goal Realisation
Move corpus to liquid/debt funds. Funds are preserved and ready for use.
Why Plan Early
Give Your Child the Best Start
Education costs are rising at ~10% per year. A robust savings plan started early is the best gift you can give your child.
- Calculate the exact corpus needed for your child's education goals
- Inflation-adjusted planning for rising education costs
- Age-based investment strategy — equity-heavy early, shifting to debt near the goal
- Dedicated child education mutual fund recommendations
- Sukanya Samriddhi Yojana planning for girl children
- Regular monitoring and adjustment as your goals evolve
FAQs
Education Planning Questions
How much does higher education cost in India and abroad?
Premium Indian colleges can cost ₹20–50 lakh, while abroad (US/UK) can cost ₹70 lakh to ₹1.5 crore. We calculate the inflation-adjusted figure for your child's current age.
Should I invest in a child's name or my own?
Investing in your own name is generally better for liquidity and tax efficiency. We set up plans earmarked for education goals in your portfolio.
What if my child doesn't need the education fund?
The corpus can be redirected to other goals — a business startup, a wedding fund, or even your own retirement. Goal-based funds are never wasted.