🚨 Started a ₹10,000/month SIP for my newborn son last Year.
💰 10% step-up yearly
⏳ Invest for 10 years
✋Stop Sip After 10 Years
📤 Withdraw ₹25,000/month for 12 years (from age 10–22)
🥂 Still Left With ₹ 56.42 Lacs at The End.
This one plan can fund his entire education — without loans.
Let me show you how 🧵
1. Step-up SIP:
You increase SIP by 10% each year.
That means:
•Year 1: ₹10,000/month
•Year 2: ₹11,000/month
•…
•Year 10: ₹23,579/month
🟢 Total investment = ₹19.12 lakhs
📈 Expected return = 12% CAGR
2. Corpus after 10 years = ₹32.68 lakhs
No insurance gimmicks.
No loan.
Just consistent investing + SIP step-up.
This becomes your child’s education fund.
3. Now start Systematic Withdrawal Plan (SWP) when your child turns 10:
💸 ₹25,000/month = ₹3 lakhs/year
📆 Withdraw for 12 years (age 10 to 22)
🏫 Covers school, coaching, college & even early career support
4. But will the money last?
Yes.
Even after withdrawing ₹3L/year for 13 years (₹32.68 lakhs total),
assuming the fund earns just 12% during SWP:
🟢 You’ll STILL have ₹56.42 Lacs lakhs left in the fund by age 22!
That’s compounding doing its job.
5. ✅ Summary:
• You invest ₹19.12L in 10 years
• You get ₹36L in withdrawals over 12 years
• You still have ₹ 56.42 Lacs in the account at the end
All without touching your salary or taking a loan when it matters most.
6. Lesson:
Want to give your child a debt-free education?
Don’t wait for the “perfect time.”
Start now. Step up yearly. Stay consistent.
Education is the best gift you can plan for.
💬 Reply “SIP Plan” for the free Excel
🔒 Disclaimer: This is not financial advice. Just my personal approach as a parent.
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