Personal Education Plan

PERSONAL EDUCATION PLAN

personal Education Plan

Planning for education is one of the most significant investments in your child’s future. A Personal Education Plan is more than just a savings strategy—it’s a comprehensive, purpose-driven roadmap designed to ensure your child receives the education they deserve without financial stress.

What Is a Personal Education Plan?

A Personal Education Plan strategically combines savings, investments, and financial protection to fund your child’s schooling, from preschool to university and beyond.

By defining your educational objectives and structuring the right investment tools, we help you stay financially prepared.

Long-Term Education Funding

A long-term wealth progression plan tailored to education goals

Stay Ahead of Rising Tuition

A method to address rising tuition and future academic expenses proactively

Why You Need One

Combat Rising Cost

Tuition and education-related costs steadily increase over time. A solid plan ensures you’re financially equipped when your child enrolls.

Reduce Reliance on Loans

Avoid the stress of student borrowing or credit reliance by building an education fund in advance.

Optimize Investment Vehicles

Different investment options—such as unit trusts, ETFs, or preschool savings plans—come with varying risk and return profiles.

Preserve & Grow Wealth

We emphasize not only growing your savings but protecting them against market volatility and inflation.

How We Approach Your Plan

Define Your Education Goals

We help you identify the education path you want for your child, set a timeline, and estimate the total cost involved.

Assess Your Financial Situation

We evaluate your income, expenses, existing savings and your comfort level with monthly or lump-sum contributions.

Recommend Tailored Solutions

We propose a customised mix of savings and investment tools based on your goals, timeline, and risk tolerance.

Monitor &
Adjust

We regularly review your plan and make necessary adjustments as your child grows or financial conditions change.

Frequently Asked Questions

How much should I save monthly?

The monthly savings amount depends on your child’s current age, the type of education you’re aiming for—whether public, private, or overseas—and the expected rate of inflation. By estimating future education costs and working backwards from your target year, you can calculate a realistic monthly savings goal that ensures you're financially prepared when the time comes.

What happens if markets dip just before tuition is due?

We shift toward more conservative or capital‑protected investments as critical years approach to preserve capital and minimize loss.

Can I adjust the plan mid-way?

Absolutely. Life changes—new child, job changes, or market shifts—prompt us to recalibrate your plan.

Do you offer ongoing advice or just initial setup?

Our support is ongoing. Semi-annual reviews ensure your plan stays aligned with your educational aspirations and financial realities.