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Child Education Plan: Inflation Math, Mix, and Glide Timeline

Comprehensive planning for child education costs including inflation calculations and asset allocation strategies.

Published July 30, 20258 min read

Child Education Plan: Inflation Math, Mix, and Glide Timeline

Education inflation runs hot. Price the goal honestly, then build a glide path that survives a bad market year.

Price the Goal

  • Split tuition, living, travel, and one‑time costs. Apply 8 to 12% inflation for overseas plans and 6 to 8% for domestic. Use conservative numbers.

Allocation by Years Left

  • 10 to 15 years: 70 to 80% equity, rest debt, 5 to 10% gold.
  • 5 to 9 years: 40 to 60% equity, rest debt.
  • Less than 4 years: Shift entirely to dated debt that matures before the fee due date.

Execution

  • Run SIP with 10% step ups. Use target maturity funds for the debt leg as the goal nears.

Tools