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
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.”