We must explain to you how all seds this mistakens idea denouncing pleasures and praising account.
Child education planning is about creating a clear financial roadmap to secure your child’s academic future. With education inflation rising every year—whether in schools, professional courses, or higher studies abroad—parents need to start planning early. It ensures that when the time comes, finances are never a hurdle to their child’s dreams.
It’s not just about saving—it’s about investing smartly in the right instruments that can grow wealth, beat inflation, and sometimes even provide tax benefits.
| FINTAXPOINT PRIVATE LIMITED One Stop Solution for Financial Planning, Investment Advisory and Wealth Management |
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| ✅ 5 DOs in Child Investment Planning | ❌ 5 DON’Ts in Child Investment Planning | ||||||
| 1. Start Early → Even small SIPs grow big with compounding over 15–20 years. | 1. Don’t Delay → Every year of delay cuts your final corpus drastically. | ||||||
| 2. Choose Equity for Long-Term Goals → Mutual funds / index funds beat inflation. | 2. Don’t Depend Only on Insurance Plans → Child ULIPs/traditional plans = low returns. | ||||||
| 3. Use Step-Up SIPs → Increase your SIP by 10% every year with your income. | 3. Don’t Withdraw Midway → Compounding needs time; avoid breaking investments. | ||||||
| 4. Diversify Wisely → Balance equity with safe options like PPF or Sukanya. | 4. Don’t Ignore Inflation → Education cost doubles every 8–10 years. Plan ahead. | ||||||
| 5. Protect with Term Insurance → Secure your child’s goal even if you aren’t around. | 5. Don’t Follow Random Tips → Stick to goal-based planning, not herd mentality. | ||||||
| For Personal Consultancy, Reach out on whatsapp @ +91- 92570-22446 (FINTAXPOINT Private Limited) CA Harshita Jain |
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| FINTAXPOINT PRIVATE LIMITED One Stop Solution for Financial Planning, Investment Advisory and Wealth Management |
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| Option | Why It’s Good | Expected Returns | Lock-in / Tenure | Best For |
| Equity Mutual Funds (SIP) | Beats inflation, strong long-term growth | 12–15% | Flexible (stop/start anytime) | Parents starting early (15–20 yrs horizon) |
| Public Provident Fund (PPF) | Govt. backed, safe, tax-free returns | 7–8% | 15 years (extendable) | Conservative investors, diversification |
| Sukanya Samriddhi Yojana | Designed for girl child, high interest | ~8% | Till age 21 of girl | Parents of daughters (safe + tax-free) |
| Index Funds / ETFs | Low-cost, consistent market returns | 10–11% | No fixed lock-in | Parents who want equity growth at low cost |
| SIP + Term Insurance Combo | Ensures education goal secured even if parent is not around | 6–8% (fund) | Depends on SIP | Parents who want both security + growth |
| LIC Child Plan | Child-specific traditional insurance + savings plan, maturity benefit for education | 5–6% (low compared to equity) | 18–25 years (depends on plan) | Parents seeking guaranteed returns + insurance in one product |
| NPS Vatsalya A/c | Multi Asset investment scheme for children below 18 years of age diversifying investments across Equity, Debt, Govt. Securities, etc. | 9-11% (Decent Returns) | Lock-in upto 18 years of age wherein partial withdrawl is allowed after 3 years | Parents wanting to save for children which the child can continue till his retirement. |
| For Personal Consultancy, Reach out on whatsapp @ +91- 92570-22446 (FINTAXPOINT Private Limited) CA Harshita Jain |
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At Callmyca.com, we provide personalized child education planning services designed to align with your unique goals and financial capacity. Our approach is simple and client-focused:
**Our 1-hour consultancy session is available at just ₹999. And here’s the best part — if you decide to invest through us afterwards, you’ll get a 100% cashback on the consultancy fee (T&C apply).**
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