Higher Education Funding

Higher Education Funding

An admission date does not move because the market fell in March. That single fact should shape how education money is invested.

Education goals have hard deadlines and rising costs, which makes them unusually unforgiving. We help you set up folios that are earmarked for a specific child and a specific milestone, so the money is not quietly spent on something else and so the horizon is visible every time you look at the statement.

As the milestone approaches, the character of the money usually needs to change. Amounts required in the next year or two behave very differently from amounts required in ten. We explain the categories available at each stage and execute the switches or systematic transfers you decide on, well before the fee deadline rather than during it.

For overseas study there is a further layer: currency, remittance limits under the Liberalised Remittance Scheme, and timing of transfers. We will point you to the banking formalities involved and help keep your investment documentation ready for it.