Education planning: build before the deadline

Age 18 is not when education planning begins

It is often when the bill begins to arrive. Education will ultimately be funded from somewhere. Planning early helps decide how much should come from saving before university and how much may need to come from income or capital later.

Preserve the ability to choose

Education planning is not about predicting exactly which university an eight-year-old will attend. It is about preserving the ability to ask “Which opportunity is right?” as well as “Which opportunity can we afford?” A range of costs and destinations can be more useful than one precise forecast.

Build before the bill, or fund after it

Put a family into the plan

From a benchmark to your own illustration

• Explore international tuition and living costs in the University Cost Guide.
• Use the guide to transfer assumptions into a named child’s plan.
• Add siblings, existing resources and planned monthly saving.
• Read the potential funding gap, test a different saving level, and download the one-page education illustration.

Keep the wider context in view