Children Education Plan

You don’t plan education because life will go wrong. You plan because life is unpredictable.

Children’s education is one goal that cannot be postponed, paused, or compromised. Whether a parent is present or not, education must continue — calmly and securely.

At PaisaNurture, our Certified Financial Planners (CFPs) design Children’s Education Plans that ensure:

  • Minimum higher education is always secured
  • Education continues even if the parent is not around
  • Planning remains disciplined, goal-aligned, and practical

The Uncomfortable Truth

Where Most Education Planning Fails

Most education plans fail not because parents don’t care — but because planning is incomplete.
Common gaps:
  • Education planned only if the parent is alive
  • Savings chosen without risk protection
  • Overdependence on “safe” instruments
  • No clarity on education continuity
  • Assuming small savings will scale automatically
Good intentions don’t fund education.
Complete planning does.

A Critical Clarification

Why SSY, PPF & Similar Schemes Are Not Enough

Schemes like SSY (Sukanya Samriddhi Yojana) and PPF are often mistaken as complete education solutions.
They are not — and understanding this early prevents future disappointment.

What these schemes do well

  • Encourage disciplined savings
  • Offer capital safety
  • Provide tax efficiency

What they do NOT do

They do not cover risk

If the parent is not around, contributions stop.

They do not ensure education continuity

No yearly support during critical education years.

They may not beat education inflation

Especially for higher education.

SSY and PPF are savings tools — they are not education protection plans.
They can be part of a strategy, but they cannot be the strategy.

PaisaNurture Philosophy

Higher Education Is Non-Negotiable. Everything Else Is Optional.

At PaisaNurture, we follow one clear rule:

Minimum higher education must be secured first — independent of the parent’s presence.

Savings alone cannot guarantee this. Protection and structure must work together.
Yearly education planning is powerful — but it works best only when started early and built correctly.

Our CFP Children’s Education Framework

How We Think Before Recommending Any Plan

Before designing a Children’s Education Plan, we evaluate:
  • Child’s current age or education timeline
  • Minimum education level that must be ensured
  • Time available before higher education begins
  • Parent or guardian’s income stability
  • Existing savings vs protection gaps
  • Inflation impact on education costs
Based on this, we structure planning in two clear layers:

Layer 1: Secured Minimum Higher Education

This ensures:
  • A defined education corpus is protected
  • Funding exists even if the parent is not around
  • Education does not depend on future income
This is the minimum responsibility in education planning.

Layer 2: Yearly Education Continuity (If Planned Early)

When planning begins early:
  • Year-by-year education expenses can also be planned
  • Cash-flow stress during schooling years reduces
  • Education remains smooth and uninterrupted
Early planning creates options.
Late planning creates pressure.

What Makes Children’s Education Plans Different

Alive or Not — Education Continues

A properly structured Children’s Education Plan ensures:
  • If the parent is alive
    → Education planning continues as expected
  • If the parent faces natural death
    → Future contributions are taken care of
    → Education goals remain intact
  • If the parent faces accidental death or permanent disability
    → Yearly education support continues
    → The child’s education is uninterrupted
No savings scheme alone can offer this continuity.

Who This Is For / Who This Is Not For

This is for you if:
  • A child’s education is non-negotiable
  • You want certainty, not assumptions
  • You don’t want education funding to depend on luck
  • You want planning that works in all scenarios
This is NOT for you if:
  • You believe savings alone are sufficient
  • You rely only on government schemes
  • You are comfortable leaving gaps unaddressed

What Changes After Proper Education Planning

Families experience:
  • Peace of mind about education readiness
  • Clear visibility of progress
  • Reduced financial stress later
  • Confidence that education goals are protected
Most realise:
“We were saving — but not securing.”

Real estate should support your portfolio — not dominate it.

Before adding REITs or physical property exposure,
speak to a Certified Financial Planner.

Ownership is optional.

Exposure is strategic.