Investing for Child Education – How to finalize?

POSTED BY sunil ON August 5, 2013 1:32 pm COMMENTS (8)

Dear All,

I am avert to Child Plans and Ulips… and wanted to build a portfolio for my child’s education (7 months old now).

At present cost his education would require atleast 10 lacs.

What are the best possible solutions for (portfolio structure) which helps me to achieve the figure after 18 years.

8 replies on this article “Investing for Child Education – How to finalize?”

  1. sunil says:

    Yes Asha, I agree … 🙂

  2. Dear Sunil, there is nothing called Ideal or Perfect. Please invest based upon your own comfort level, the best suited to you. My best can be different than your best. 🙂

    thanks

    Ashal

  3. sunil says:

    Never Manish,

    Infact, i made the mistake in 2009 and paid hefty price for it.

    I will not repeat same mistake again, just wanted to know the ideal mix of Large, Mid and Small Caps to reap maximum benefits. 🙂

    Thanks,
    Sunil.

  4. Sunil

    Dont make the same mistake which is classic one . bad performance in 5 yrs and the investors sentiments are at lowest point. This can be one of the best times to be fully invested in equities.

    However finally, its your call !

    Manish

  5. sunil says:

    Thanks a lot BanyanFA for directing me to the article, i shall come back to you in case of doubts.
    Thanks,
    Sunil.

  6. BanyanFA says:

    Hi Sunil,

    Perhaps this article holds an answer to your query
    http://insight.banyanfa.com/can-you-design-our-own-customised-child-investment-plan/

    Child plans are a combination of Insurance, Investment and a plan. If you can make all three of them, then you don’t need a costly child plan.

  7. sunil says:

    Thanks Manish for your reply.
    Yes, i am comfortable investing in Equities, but given the lack luster performance of equities over last 5 years, i am a bit skeptical.
    I totally agree this will not be the situation for the next 18 years.

    What should be the ideal mix up of Large Caps and Mid Caps? and Debt Component.

    I am aware of the benefits and pitfalls of equity investing, hence wanted to know the ideal mixture of Large and Mid Caps.

  8. Are you comfortable investing in equities for that longer period ? If yes, SIP in mutual funds would be good choice , Else choose some equity + debt option like Equity funds + PPF or equity funds + debt funds

    Manish

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