How to Invest in Child Education Plans?

It will be devastating to forgo investment in child education plans simply because you feel that your child inherited Smart Genes! Increased expenses in various aspects of modern life make raising children a difficult proposition. One of the biggest worries for parents today is the education of the child. The only way to ensure that no money constraints occur during the crucial phases is to invest cleverly. Child education plans bring a ray of hope in the life of families everywhere with the myriad benefits and big returns, which they bring. Choose wisely and secure the kid’s future, this is the motto for parents these days.

Investing in your child's future:A wise decision & a loving choice

Benefits of Investing In Child Plan

Waiver of Premium Benefit

Future Premiums are paid by the insurer upon death of policyholder

Flexible Payout Options

Your premiums help your child achieve their dreams through lump sum or regular payouts

Wealth Boosters

Get rewarded with Wealth Booster and Loyalty Bonus for staying invested with us

Zero Commission

We charge no commission when you buy from us. Also buy online & get extra

Tax Benefits^

You get tax benefits under Section 80(C) and no tax on returns under Section 10 (10D)

Investment Flexibility

It offers the flexibility to invest at regular intervals or as a one-time contribution

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Nothing Is More Important Than Securing Your Child's Future

Invest ₹10k/month your child will get ₹1 Cr^# Tax-Free* on Maturity

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We are rated^~

7.7 Crore

Registered Consumer

Insurance Partners

4.2 Crore

Policies Sold

Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.

Invest in child policy

Understand the Options Present

Which is the child education plans to choose. Understating the available options is the best way to find a policy that works. People begin budgeting or investing in the future of their ward right from the birth. Minimum investment and high returns is the way to go. When you start early many times the premiums of various plans remains quite low. Again, you may want to go for short or long-term investments. Whichever option you ultimately choose, low risk, inflation consideration, and ongoing expenditure for maintaining the plan are some of the factors to keep in mind.

Consider the Dreams of your Child

Why are you looking for an appropriate child education plan? After all, it is to let him or her pursue the career of their choice! Therefore, as your child grows up the first question you should ask is what they want to be. Their dreams and aspirations can point you in the right direction when it comes to investment options. When budgeting one should consider the highest expenditure possible in pursuit of education in a particular field. Having an idea regarding the costliest program can give a good idea regarding related expenditure and you can start saving in accordance.

Consider Life Insurance

Life insurance policies can provide ideal coverage for the education of your child even in the unfortunate event of the death of the policyholders. Such long-term plans come with adequate risk covers that allow the increase in corpus under any circumstance. The child remains the nominee, with no liquidity options during mid-term. This effectively stops wrong utilization of fund or its diversion until the kid reaches maturity. Maturity options at predetermined interval guarantees funding when required.

Invest More Get More

Invest ₹10K/Month YOU GET ₹1 Crores^* For Your Child View Plans

Invest ₹8K/Month YOU GET ₹80 Lakhs^* For Your Child View Plans

Invest ₹5K/Month YOU GET ₹50 Lakhs^* For Your Child View Plans

Standard T&C Apply *

Other Investment Options

When it comes to investment options many people cannot think beyond shares and stocks. While there is no doubt regarding high returns, what about the risks involved. When the market is down such investments can become risky indeed with only 60% or even less of the original value of stocks remaining. What will happen to the future of your child in such a situation? When it is the career of your, ‘life’s blood’ is at stake and you are thinking long term shares are not a good choice. Traditional deposits are a good option and so are mutual funds provided you seek professional help before investment.

Why risk the future of your kid when you can secure it easily? Do not let this become the biggest mistake of your life, find a reliable child education plan and invest TODAY!

†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan.
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CARG 8%; ₹50,45,591 @ CAGR 4%
+Returns Since Inception of LIC Growth Fund
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
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^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.