Wealth Farming Advisory

Investments · Child education

The fee you see today is not the fee you pay

Education costs in India have consistently risen faster than headline inflation. A degree costing ₹15 lakh today will not cost ₹15 lakh in fifteen years, and that gap is the entire problem.

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Costs projected to the actual year Risk stepped down near the date

Why the safe option is not safe

A fixed deposit loses this race quietly

If education costs rise at 8% and your savings earn 6% before tax, you fall behind every single year while feeling like you are saving diligently. Nothing appears to be going wrong until the fee demand arrives and the number does not match.

That is the case for taking measured equity risk while the horizon is long — and for taking it off the table as the date approaches, which is the half people forget.

How we plan it

Three steps

  1. Project the real cost

    The child education calculator inflates today\u2019s fee to the year they actually apply. Add living costs, travel and coaching — frequently a third again on top of fees.

  2. Build with the horizon

    Mostly equity while there are ten years or more; a goal-based SIP sized to the projected number rather than to whatever felt affordable.

  3. De-risk before the date

    Move progressively into debt in the last three to four years. A 40% market fall the year before admission is not a dip you can wait out — the fee is due regardless.

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FAQ

Questions people actually ask

Should I buy a child insurance plan?

Usually not, and it is one of the most missold products in the country. They bundle insurance and investment and are typically worse at both than buying term cover on your own life and investing separately. Ask us to show you both sets of numbers side by side.

What about Sukanya Samriddhi?

For a daughter, it is a genuinely good sovereign-backed option with a competitive rate and tax treatment, and a long lock-in. It works well as the stable part of the plan alongside equity rather than as the whole of it.

Is 8% education inflation realistic?

It is a common working figure for India and broadly consistent with observed fee increases. Professional courses and overseas study have run higher — set it higher if that is the plan.

What if I am starting late?

The monthly figure rises sharply, because compounding needs time. Starting late is still far better than not starting, and it is worth seeing what five years of difference actually costs.

Work out the real number

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