Education Fund Planning for Salary Workers: Invest in Your Child’s Future

Why plan early?

Education costs rise faster than wages. Early planning spreads the burden and avoids high‑interest borrowing later.

Estimate the target

Start with a rough annual education budget and multiply by expected years. Add inflation for long‑term goals.

A simple saving structure

• Short‑term (1–3 years): high‑liquidity savings
• Mid‑term (3–7 years): conservative mixed funds
• Long‑term (7+ years): diversified index funds

Balance education fund with other goals

Education is important, but avoid sacrificing your emergency fund and retirement—both are non‑negotiable.

Common mistakes

• Starting too late
• Over‑estimating future income
• Using high‑risk investments for short‑term needs

Quick checklist

• Define target year and cost range
• Pick account type and monthly savings amount
• Separate fund from daily spending
• Review annually

Disclaimer

This article is for general financial education and information only and does not constitute investment, insurance, tax, or legal advice. Please make decisions based on your situation and consult professionals if needed.