Free Guide
A step-by-step checklist to build a dedicated education fund growing at 7-8% annually, ensuring tuition is covered without touching your retirement savings.
A breakdown of current tuition fees in the UK, US, and Australia, and the total target you need to prepare for.
How to invest education funds productively instead of leaving them in low-yield savings accounts lagging behind education inflation.
Structure the funding timeline so you never have to choose between your child's degree and your own retirement comfort.
Compare endowment plans, investment portfolios, and CPF allocations to find the most capital-efficient path.
Verify if your current savings plan will hit the target by the time your child turns 18.
A 3-year degree in the UK, US, or Australia currently costs between S$200,000 and S$400,000 including living expenses. Inflation averages 3-5% annually for education, meaning costs will likely double in 15 years. Starting early is critical to let compounding reduce your out-of-pocket savings target.
Traditional insurance-saving plans (endowments) often yield only 2-3% net returns, which lags behind education inflation. By building a disciplined, low-cost investment portfolio targeting 7-8% annual growth, you can accumulate the same target amount with up to 40% less monthly savings.
By keeping a separate, dedicated education fund and using capital-efficient term protection for your working years. This prevents you from having to withdraw from retirement portfolios or cash out CPF accounts when university bills arrive.
The best time is as early as possible. If you start when your child is a newborn, you have 18 years of compounding, meaning more than half of the final fund can come from market growth rather than your pocket. If your child is older, you can still optimize by using focused growth strategies and cutting unnecessary plan fees.
Yes, the guide is 100% free and will be sent to your email immediately. The catch is simple: if you find the guide valuable, you choose to schedule a chat with me to help you map out your child's education fund. There is absolutely no pressure or obligation.
I value your time. If you download and read this guide and feel it was a waste of your time, simply reply to the welcome email. I will refund your time by sending you a S$10 Starbucks voucher as an apology. No questions asked, and no pushy sales pitches, ever.
Satisfaction & Time GuaranteedThis guide is for general educational purposes only and does not constitute personalised financial advice. All figures, percentages, and projections are for illustrative purposes and based on publicly available data. Past performance is not indicative of future results. Please consult a qualified adviser before making financial decisions.