🎓 Education Funding

Child Education Planning

Give your children the best educational opportunities without financial stress. Whether it's international schools in Singapore, university abroad, or postgraduate studies, start planning today to fund their future.

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Understanding Costs

The Cost of Education

Education costs are rising faster than inflation. International school fees in Singapore can exceed SGD 30,000-50,000 per year. University education abroad in the UK, US, or Australia can cost SGD 200,000-400,000 for a 4-year degree including living expenses.

For expat families, there's additional complexity: which currency should you save in? Where will your child study? Will you still be in Singapore when fees are due? Planning early gives you flexibility to adapt.

📚 Education Cost Examples

• Singapore International School: SGD 25,000-45,000/year
• UK University (4 years): SGD 200,000-350,000 total
• US University (4 years): SGD 300,000-500,000 total
• Australia University (3-4 years): SGD 150,000-250,000 total

Education Planning Solutions

Education Endowments

Maturity aligned with university start date

Regular Savings Plans

Monthly contributions into diversified funds

ILPs with Education Focus

Investment growth with insurance protection

USD-Denominated Plans

For US/UK education, consider USD savings

Expert Advice

Pro Tips for Expat Parents

Start When They're Born

18 years of compound growth is powerful. Even SGD 300/month from birth can build SGD 100,000+ by university age.

Match Currency to Destination

If planning for US university, consider USD savings. Currency fluctuations over 15+ years can significantly impact your fund.

Include Insurance Protection

If something happens to you, who funds their education? Policies with waiver of premium ensure contributions continue.

Build Flexibility Into Your Plan

Plans change. Maybe they get scholarships or choose a different path. Avoid products that penalize early access or changes.