Planning for Children
Suggested Investment Strategies by Child’s Age:
Age 0–5 | Horizon: 13–18 years
Opt for equity funds to maximize long-term growth. Increase your investment each year if possible.
Age 6–12 | Horizon: 6–12 years
Use a mix of equity and low-volatility investments to balance growth and stability.
Age 13–18 | Horizon: 1–5 years
Prioritize liquidity and low-risk options like open-ended debt or hybrid funds.
Planning for Children
Start early and build a secure future for your child
Every parent dreams of giving their child the best possible education. But with rising costs, achieving this dream requires smart and early financial planning. Starting early allows your money to grow through the power of compounding, helping you build a sufficient education corpus without financial stress.
Your savings and investment strategy will depend on how much you want to save, the time left before the funds are needed, and whether you are investing a lump sum or regularly from your income. Mutual funds—especially those offering equity or balanced portfolios—can be ideal for long-term goals like education, offering flexibility, tax efficiency, and professional management.
Key Points to Consider:
- Choose an amount you can consistently invest.
- Set a frequency: monthly or quarterly.
- Stay invested despite market ups and downs.
- Keep your education goal in focus.
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Suggested Retirement Planning by Age:
Age 25–40
Save 15–25% of income. Focus 70–80% on equity/equity funds, with the rest in tax-efficient tools like PPF, PF, or debt funds.
Age 41–50
Save 25–35%. Maintain 50% or more in equity, start adding low-risk instruments.
Age 51–60
Take a more conservative approach. Maintain some equity for long-term growth, but shift a good portion to safer, income-generating assets.
Planning for Retirement
Secure your tomorrow, starting today
Retirement planning means setting aside a portion of your income to build a corpus that can support your lifestyle after retirement. Many people delay it, thinking it’s overwhelming. But even small, regular investments can grow into a substantial retirement fund if you start early.
It’s not a one-time decision but a lifelong habit. Estimating future needs is key—typically, you’ll need 75% of your current income in retirement, adjusted for inflation. Consulting a financial advisor can help plan accurately and avoid common pitfalls.
Core Retirement Planning Principles:
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Start early to harness compounding.
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Choose investments that beat inflation.
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Invest regularly and consistently.
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Understand your risk tolerance.
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Evaluate your insurance needs.
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Choose tax-efficient instruments.
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Stick to long-term goals—don’t panic during market dips.
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