[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.]  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  **Related Topics** [investment](/topic/investment) [soni](/topic/soni) [prem](/topic/prem) [Post Link](https://x.com/ValueWithPrem/status/1939618731723763816)
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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
Related Topics investment soni prem