With education costs rising sharply, especially for international studies and elite private schools in India, financial experts are urging parents to plan early. A structured investment strategy such as a step-up Systematic Investment Plan (SIP) can not only cover school and college fees but also leave behind a sizeable corpus for a child’s future. Advertisement

CA Nitin Kaushik, in a widely shared post on X, highlighted how “99% of parents burn lakhs on school fees without a plan.” He argued that a 10-year SIP strategy could fully fund education “almost free” and still leave wealth for children’s long-term aspirations.

Planning matters

Education costs have been rising faster than overall inflation. Elite private schools in metro cities often charge Rs 4–5 lakh per year for higher grad

See Full Page