Neutral impactEconomy
Your Child Turns 18 In 12 Years: How Can You Build A Rs 1 Crore Education Fund?
NDTV Profit 2 hrs ago·22 Oct 2026, 6:11 am
Planning for a child's future education is a long-term goal that requires careful financial preparation. To build a substantial education fund, such as Rs 1 crore, investors need a strategy that balances growth with risk over a long horizon. A key strategy involves using a life-cycle fund, which automatically adjusts its portfolio mix between equity and debt as the target date approaches.
Life-cycle funds are designed to reduce risk as the goal gets closer. As the child grows older, the fund manager gradually shifts more money into safer debt instruments. This helps protect the accumulated capital from market volatility. For investors, this offers a hands-off approach, as the asset allocation strategy evolves automatically to align with the changing time frame of the goal.
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