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kazani.base.eth 🦂 pfp
🚨 Started a ₹10,000/month SIP for my newborn son last Year. 💰 10% step-up yearly ⏳ Invest for 10 years ✋Stop Sip After 10 Years 📤 Withdraw ₹25,000/month for 12 years (from age 10–22) 🥂 Still Left With ₹ 56.42 Lacs at The End. This one plan can fund his entire education — without loans. Let me show you how 🧵 1. Step-up SIP: You increase SIP by 10% each year. That means: •Year 1: ₹10,000/month •Year 2: ₹11,000/month •… •Year 10: ₹23,579/month 🟢 Total investment = ₹19.12 lakhs 📈 Expected return = 12% CAGR 2. Corpus after 10 years = ₹32.68 lakhs No insurance gimmicks. No loan. Just consistent investing + SIP step-up. This becomes your child’s education fund. 3. Now start Systematic Withdrawal Plan (SWP) when your child turns 10: 💸 ₹25,000/month = ₹3 lakhs/year 📆 Withdraw for 12 years (age 10 to 22) 🏫 Covers school, coaching, college & even early career support 4. But will the money last? Yes. Even after withdrawing ₹3L/year for 13 years (₹32.68 lakhs total), assuming the fund earns just 12% during SWP: 🟢 You’ll STILL have ₹56.42 Lacs lakhs left in the fund by age 22! That’s compounding doing its job. 5. ✅ Summary: • You invest ₹19.12L in 10 years • You get ₹36L in withdrawals over 12 years • You still have ₹ 56.42 Lacs in the account at the end All without touching your salary or taking a loan when it matters most. 6. Lesson: Want to give your child a debt-free education? Don’t wait for the “perfect time.” Start now. Step up yearly. Stay consistent. Education is the best gift you can plan for. https://x.com/ValueWithPrem/status/1939618731723763816
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kazani.base.eth 🦂 pfp
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kazani.base.eth 🦂 pfp
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