Higher Education Investment Planning Services

Children
need high levels of training and education - in a world that is becoming increasingly competitive and technology driven.Cost of education is very high.In order to have enough money to meet this huge expenditure we must start saving / investing specifically for this purpose. If we start investing from early days, investment required will be comparatively very small.

For example,

Assume that fund required for higher education of a child when he / she turns 18 is Rs 42, 81, 508 (Future value of Rs 15 lakhs now, after 18 years, assuming average long term inflation of 6%-conservative assumption)

If we can start investing to build this fund, from the next month of child's birth, monthly investment required till age 18 is Rs 5, 014. (Assumption : - He is investing in financial securities that give a long term compounded annualized growth rate of 13%) (There are financial securities that has given better returns over long term). Total amount invested will be Rs 11, 14, 213

If we can increase investments annually by 10% , monthly investment required at the beginning is only Rs 3, 090

If we start investing only when the child is 10 years old, monthly investment required is Rs 25, 577 in place of Rs 5, 014 required to be invested from next month of child's birth. Total amount to be invested is Rs 25, 26, 337

In this case, if we increase investments annually by 10%, monthly investment required at the beginning is Rs 20, 790 in place of Rs 3, 090 required to be invested from next month of child's birth.


So start investing as early as possible.


INVESTMENT FUNDAMENTALS

Some of the Fundamental Rules for Investments are

1. Start Early
2. Invest Regularly
3. Ensure higher returns on your investments4. Stay Invested
At Ceeyar Consultants,
We assist clients asses funds required for Higher education of children. We also assist them invest small amounts monthly, from early days of life, in appropriate asset classes to achieve the objectives. It will provide necessary funds for higher education of their loved children at the appropriate time and avoid embarrassment to parents.