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Investment

Child Plan

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Problem Faced

What's the best way to secure my children’s financial future?

Creating a financial backup and starting an investment plan at a young age is key to building a secure future.

How To Secure Child's Financial Future

Unable to create a financial stable future for my Kids

Our goal is to help you set up a regular investment plan and stick to it for the long term, giving your kids a brighter future.

Make Your Child's Future Bright by
Systematic Investment to
Achieve Your Child’s Dream.

Our Process for Bringing a Child’s Dream to Life

Define Goal

Find out Future Amount factoring inflation

Assess Risk Profile

Understand the Risk Tolerance limit

Choose Investment Options

As per your risk profile, we personalize your investment

Implement

Implement the investment plans with complete hand holding

Ensure Risk Protection

Insure child’s dream with the Term Plan /Waiver of Premium in Child Plan

Review & Rebalance Periodically

map the goals and progress of investments each year

Achieve Child’s Financial Goal

Child’s Dream Achieved

Our Process for Bringing a Child’s Dream to Life

Define Goal

Find out Future Amount factoring inflation

Assess Risk Profile

Understand the Risk Tolerance limit

Choose Investment Options

As per your risk profile, we personalize your investment

Implement

Implement the investment plans with complete hand holding

Ensure Risk Protection

Insure child’s dream with the Term Plan /Waiver of Premium in Child Plan

Review & Rebalance Periodically

map the goals and progress of investments each year

Achieve Child’s Financial Goal

Child’s Dream Achieved

Key points for child’s future planning

  • Start early
  • Be consistent in your invetments
  • Beat the inflation with Diversification
  • Don’t neglect the Insurance in your planning

Common Mistakes in Children's Education Planning

A notable 61% of parents regret delaying saving for their child’s education.
A notable 61% of parents regret delaying saving for their child’s education.
education-specific inflation
education-specific inflation
Poor Asset Allocation
Poor Asset Allocation
Forgetting Insurance and Contingency Planning
Forgetting Insurance and Contingency Planning
Skipping Systematic Investing
Skipping Systematic Investing
A notable 61% of parents regret delaying saving for their child’s education. This delay often leads to rushed, insufficient contributions later.
Many underrate the actual cost of education by using general inflation rates (CPI) around 6%, whereas education-specific inflation is significantly higher—about 10–12% annually. This results in a lower savings target than required.
Poor Asset Allocation – Relying heavily on safer, low-yield instruments (like bonds or FDs) for long-term savings can severely cap the growth potential of a savings corpus.
Forgetting Insurance and Contingency Planning – In case of parental incapacity or demise, education funds may still be needed. Neglecting adequate life or term insurance can disrupt plans.
Skipping Systematic Investing – Parents often wait to invest lump sums, missing out on cost-averaging benefits. SIP (Systematic Investment Plan) is a more disciplined approach to building a corpus gradually.

Nana Nani Plan

Nana and Nani love their grandchildren more than their children and want to secure their future by passing their savings directly to the grandchildren. This plan ensures that a desired goal is financed properly and on time, such as for education or marriage. Many grandparents also plan a fixed flow of income to the granddaughter for her financial security and as a gift to her, which will always remind them of their grandparents.

A Grandparents’ Children Education Plan is a child insurance or savings plan offered by insurers that allows grandparents to invest in their grandchild’s future education or marriage. In such plans, the grandparent acts as the policyholder and pays premiums, while the child is the beneficiary. These plans are usually structured as child ULIPs (Unit Linked Insurance Plans) or traditional endowment/education policies, which build a corpus over time to fund higher education expenses.

Children Education Plan

Children’s education plans offered by life insurers are specially designed to secure a child’s future by combining insurance protection with long-term savings or investment. These plans ensure that even if the parent (policyholder) is no longer around, the child’s education goals are not compromised. With the Waiver of Premium feature, all future premiums are paid by the insurer in case of the parent’s unfortunate demise or disability, while the policy continues till maturity, providing the planned benefits. In addition, parents can enhance protection by adding riders such as Critical Illness, Accidental Death, or Disability Benefit, which offer extra financial support during unforeseen events. This makes child education plans a comprehensive solution to safeguard both the funding and continuity of a child’s higher education dreams.

Mutual Fund

Mutual funds for children’s education are a smart way for parents to build a dedicated education fund over time by investing consistently. These funds typically focus on a mix of equity and debt, helping balance growth with stability to meet both short-term and long-term education needs such as school fees, higher studies, or overseas education. Through Systematic Investment Plans (SIPs), parents can start small and benefit from the power of compounding, while professional fund management ensures diversification and risk control. Unlike traditional savings, mutual funds offer flexibility, liquidity, and the potential to outpace inflation—making them a practical choice for securing a child’s academic future.

Comparison of MUTUAL FUND, PMS and AIF

  • Feature

  • Traditional Child Plans

  • ULIP Child Plans

  • Mutual Funds for Education

  • Purpose

  • Financial security + guaranteed savings

  • Protection + market-linked wealth creation

  • Pure investment for higher education corpus

  • Returns

  • Guaranteed (with bonus, if applicable)

  • Market-linked, moderate to high (depends on fund)

  • Market-linked, potential for high long-term

  • Risk

  • Low

  • Moderate (depends on equity/debt allocation)

  • Varies: low in debt, high in equity funds

  • Flexibility

  • Low, fixed premiums and tenure

  • Medium, allows switching between equity/debt funds

  • High, flexible SIP/lumpsum and redemption

  • Liquidity

  • Limited (lock-in till maturity)

  • Partial withdrawals allowed after lock-in (5 yrs)

  • High (can redeem anytime, subject to exit load)

  • Tax Benefits

  • Premiums under Sec 80C, maturity tax-free*

  • Premiums under Sec 80C, partial withdrawals taxed

  • ELSS under Sec 80C; LTCG tax on gains applies

  • Additional Features

  • Waiver of premium, riders (accident/health)

  • Waiver of premium, fund switches, riders available

  • No insurance cover, only investment growth

  • Best Suited For

  • Parents wanting guaranteed security

  • Parents seeking insurance + market growth balance

  • Parents seeking maximum flexibility & growth

    • Note: Tax benefits are subject to prevailing laws. For educational purposes only – verify product details before investing.

    *The above investment products are driven by market conditions that offer higher returns accompanied by higher risk. Most of these investments carry market risk, and returns are not guaranteed. However, they are regulated by SEBI to protect investors’ interests. We are an AMFI-registered mutual Fund distributor with ARN 41932 and not a product manufacturer.

    Client Testimonial on Child Education Planning

    FAQs

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    Investment planning for children ensures that funds are available for their future needs such as higher education, marriage, or other life goals. Early planning helps parents beat inflation and build a secure financial cushion.

    The most common goals include higher education, skill development, career opportunities abroad, marriage, and financial independence.

    The earlier you start, the better. Starting at birth or in the early years gives your money more time to grow through compounding, reducing the financial burden later.

    Popular options include:

    • Child Insurance Plans (Traditional/ULIP)
    • Mutual Funds (SIP in equity funds, balanced funds)
    • Sukanya Samriddhi Yojana (for girl child)
    • Fixed Deposits & Bonds

    Yes, equity mutual funds through SIPs are ideal for long-term goals like education (10–15 years away) as they can potentially deliver higher returns compared to traditional plans.

    It depends on the current cost of education, inflation (around 8–10% in education), and time left until your child reaches that stage. We can help you calculate the amount required for education.

    Education costs double approximately every 7–8 years. Without accounting for inflation, parents may fall short of the required amount despite disciplined savings.

    Yes. Certain investment options like child insurance policies, ELSS mutual funds, PPF and Sukanya Samriddhi Yojana provide tax benefits under Section 80C and tax-free maturity under Section 10(10D).

    Yes, you need to have a bank account in the child’s name to open a mutual fund in the child’s name.

    Yes, NRIs can invest in mutual funds and child insurance plans. Money invested from an NRE account can be easily repatriated in the future.

    To Get a Free Children's Education Planning Done, fill below details

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    *Please Note : Above all products are subject to market risk, and there are no assured returns. We are AMFI Regt mutual fund distributor with ARN 41932
    Disclaimer "Shreeji Financials provides information on financial products such as mutual funds, insurance policies, fixed deposits, bonds, NCDs, and government schemes for awareness purposes only. While we strive to keep the information accurate and updated, we do not guarantee completeness, reliability, or accuracy. We act as a Mutual Fund Distributor and Insurance Advisor, and not as a SEBI Registered Investment Advisor (RIA). Investors should note that investment in financial products is subject to market risks, interest rate fluctuations, credit risks, and regulatory changes. Past performance does not guarantee future returns. Please inquire in detail about the respective products and consult with the concerned institution or your financial advisor before investing. We are not responsible for any direct or indirect loss or damage arising from the use of information on this website."