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![ValueWithPrem Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1255526485068328968.png) Prem Soni [@ValueWithPrem](/creator/twitter/ValueWithPrem) on x XXX followers
Created: 2025-06-30 09:35:16 UTC

🚨 Started a ₹10,000/month SIP for my newborn son last Year.

💰 XX% step-up yearly
⏳ Invest for XX years
 ✋Stop Sip After XX Years
📤 Withdraw ₹25,000/month for XX years (from age 10–22)
🥂 Still Left With ₹ XXXXX Lacs at The End.

This one plan can fund his entire education — without loans.
Let me show you how 🧵

X. Step-up SIP:

You increase SIP by XX% each year.

That means:
•Year 1: ₹10,000/month
•Year 2: ₹11,000/month
•…
•Year 10: ₹23,579/month

🟢 Total investment = ₹19.12 lakhs
📈 Expected return = XX% CAGR

X. Corpus after XX years = ₹32.68 lakhs

No insurance gimmicks.
No loan.
Just consistent investing + SIP step-up.

This becomes your child’s education fund.

X. Now start Systematic Withdrawal Plan (SWP) when your child turns 10:

💸 ₹25,000/month = ₹3 lakhs/year
📆 Withdraw for XX years (age XX to 22)
🏫 Covers school, coaching, college & even early career support

X. But will the money last?

Yes.

Even after withdrawing ₹3L/year for XX years (₹32.68 lakhs total),
assuming the fund earns just XX% during SWP:

🟢 You’ll STILL have ₹56.42 Lacs lakhs left in the fund by age 22!

That’s compounding doing its job.

X. ✅ Summary:

• You invest ₹19.12L in XX years
• You get ₹36L in withdrawals over XX years
• You still have ₹ XXXXX Lacs in the account at the end

All without touching your salary or taking a loan when it matters most.

X. Lesson:

Want to give your child a debt-free education?

Don’t wait for the “perfect time.”
Start now. Step up yearly. Stay consistent.

Education is the best gift you can plan for.

📌 Follow @ValueWithPrem for real-life wealth strategies

💬 Reply “SIP Plan” for the free Excel

🔁 RT to help a new parent

🔒 Disclaimer: This is not financial advice. Just my personal approach as a parent.


XXXXXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1939618731723763816/c:line.svg)

**Related Topics**
[investment](/topic/investment)
[soni](/topic/soni)

[Post Link](https://x.com/ValueWithPrem/status/1939618731723763816)

[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]

ValueWithPrem Avatar Prem Soni @ValueWithPrem on x XXX followers Created: 2025-06-30 09:35:16 UTC

🚨 Started a ₹10,000/month SIP for my newborn son last Year.

💰 XX% step-up yearly ⏳ Invest for XX years ✋Stop Sip After XX Years 📤 Withdraw ₹25,000/month for XX years (from age 10–22) 🥂 Still Left With ₹ XXXXX Lacs at The End.

This one plan can fund his entire education — without loans. Let me show you how 🧵

X. Step-up SIP:

You increase SIP by XX% each year.

That means: •Year 1: ₹10,000/month •Year 2: ₹11,000/month •… •Year 10: ₹23,579/month

🟢 Total investment = ₹19.12 lakhs 📈 Expected return = XX% CAGR

X. Corpus after XX years = ₹32.68 lakhs

No insurance gimmicks. No loan. Just consistent investing + SIP step-up.

This becomes your child’s education fund.

X. Now start Systematic Withdrawal Plan (SWP) when your child turns 10:

💸 ₹25,000/month = ₹3 lakhs/year 📆 Withdraw for XX years (age XX to 22) 🏫 Covers school, coaching, college & even early career support

X. But will the money last?

Yes.

Even after withdrawing ₹3L/year for XX years (₹32.68 lakhs total), assuming the fund earns just XX% during SWP:

🟢 You’ll STILL have ₹56.42 Lacs lakhs left in the fund by age 22!

That’s compounding doing its job.

X. ✅ Summary:

• You invest ₹19.12L in XX years • You get ₹36L in withdrawals over XX years • You still have ₹ XXXXX Lacs in the account at the end

All without touching your salary or taking a loan when it matters most.

X. Lesson:

Want to give your child a debt-free education?

Don’t wait for the “perfect time.” Start now. Step up yearly. Stay consistent.

Education is the best gift you can plan for.

📌 Follow @ValueWithPrem for real-life wealth strategies

💬 Reply “SIP Plan” for the free Excel

🔁 RT to help a new parent

🔒 Disclaimer: This is not financial advice. Just my personal approach as a parent.

XXXXXX engagements

Engagements Line Chart

Related Topics investment soni

Post Link

post/tweet::1939618731723763816
/post/tweet::1939618731723763816