Education Planning
Education planning is the intentional process of building a structured financial plan to cater for your child's education from primary school to university.
It is not just about saving money. It is about ensuring that when school fees are required, the funds are available without disrupting your lifestyle, liquidating assets, or taking on debt.
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Why Education Planning Stands Out
Most Kenyan parents prioritize education, yet school fees increase every year, income is not always predictable, and emergencies happen. Education planning solves this.
Financial Preparedness
Ensures you are always ready when school fees are due, no last-minute scrambling, no disruption to your lifestyle.
Reduced Financial Stress
Avoid last-minute pressure, emergency loans, and the strain of school fees catching you off guard.
Continuity of Education
Your child's education is never interrupted due to lack of funds, no matter what life brings.
Flexibility of Solutions
Different tools can be used depending on your timeline, income pattern, and risk appetite.
Protection Element
Some solutions include life cover, ensuring your child's education continues even in your absence.
Plan With Intention
Instead of reacting to school fees pressure, you build a structure that works quietly in the background.
The Education Planning Solutions
There is no one-size-fits-all approach. The right solution depends on your timeline, risk appetite, income pattern, and goals.
Endowment Policy
A disciplined savings plan that provides guaranteed pay-outs at maturity. Designed for parents who want predictability and structure.
- Guaranteed maturity benefit
- Annual bonuses added over time
- Life insurance cover included
- Encourages disciplined saving
Best suited for
Parents who want certainty and structured school fees planning.
Unit Linked Plan
A market-linked investment plan combined with life insurance. The value of the investment grows with market performance.
- Potential for higher returns
- Flexible contributions, single, annual, or top-ups
- Life cover included
- Access to policy loans
Best suited for
Younger parents with a longer time horizon and higher risk tolerance.
Money Market Fund
A low-risk investment focused on capital preservation and liquidity. Think of it as your dedicated school fees wallet.
- Capital preservation
- Monthly compounded interest
- Access to funds within 24 to 48 hours
- No entry or exit fees
- Flexible deposits and withdrawals
Best suited for
Short-term school fees planning and emergency education funds.
Fixed Income Fund
A low-risk investment designed to generate stable returns over the medium term, investing in government and corporate bonds.
- Invests in government and corporate bonds
- Stable and predictable returns
- Capital preservation focus
- Access to funds within 24 to 48 hours
- Competitive returns compared to money market funds
Note: There is a 6-month lock-in period where the principal cannot be accessed.
Best suited for
Parents looking for stable growth over a medium-term horizon.
Strategy: Combining Solutions
In many cases, the best approach is not one solution, but a combination. This creates a balanced and effective education strategy that covers the short, medium, and long term simultaneously.
Money Market Fund
Immediate school fees, ready when you need it, accessible within 24 to 48 hours.
Fixed Income Fund
Stable growth for fees 1 to 3 years out, with predictable returns.
Endowment or Unit Linked Plan
University planning and structured savings with life cover included.
How It Works
Understand your needs
We start with your child's age, your income, timeline, and goals.
Recommend the right solution
We identify the most suitable solution, or combination, for your situation.
Structure your plan
We build a plan that aligns with your financial capacity and timeline.
Monitor and adjust
We review and adjust the plan over time as your circumstances evolve.
Who Is This For?
Parents with Young Children
Who want to start early and build a strong fund with the benefit of time on their side.
Parents with School-Age Children
Who want to create structure around school fees they are already paying.
Breadwinners
Who want to avoid financial strain and last-minute pressure during school terms.
Professionals & Entrepreneurs
With fluctuating income who need a structured, reliable education fund.
Intentional Planners
Anyone who wants to plan with clarity and protect their child's educational future.
Common Mistakes to Avoid
Waiting too late to start
The earlier you begin, the more time your money has to grow and the lower your monthly contributions need to be.
No dedicated education fund
Mixing school fees money with general savings leads to shortfalls when fees are due.
Ignoring school fees inflation
School fees increase every year. Your plan must account for this, not just today's costs.
Wrong product for the timeline
Using a long-term product for immediate school fees, or vice versa, creates mismatches and liquidity problems.
Frequently Asked Questions
When should I start education planning?
The earlier, the better. Starting early gives your money more time to grow and reduces the monthly contributions needed. Even small amounts saved consistently from when your child is young can build a substantial fund.
Can I use more than one solution?
Yes. In fact, combining solutions is often the best approach. For example, you can use a money market fund for immediate school fees while using an endowment policy for long-term university planning.
Is it possible to access funds before maturity?
It depends on the product. Money market funds allow flexible access. Endowment policies may have penalties for early withdrawal. We will help you choose products that match your liquidity needs.
What happens if I am unable to continue contributing?
Most products have options for pausing or reducing contributions. Some endowment policies have a paid-up option where the policy continues at a reduced benefit. Contact us to explore your options.
How do I account for rising school fees over time?
We factor in school fees inflation, typically 8 to 12% per year in Kenya, when building your plan. This ensures your fund grows enough to cover future costs, not just today's fees.
What if I want to plan for more than one child?
We can structure a plan that covers all your children, with milestones aligned to each child's school entry and progression. The key is starting early and being consistent.
Real Talk
School fees will not wait. And when the time comes, you do not want to be forced into decisions that compromise your financial stability.
Education planning is not optional. It is essential.
Education Planning solutions are offered subject to the relevant product terms and conditions, applicable limits, and prevailing regulations. Please speak to us for a personalised recommendation and full illustration based on your goals and financial situation.
Start Planning Your Child's Future Today
The earlier you start, the more you can build. Let us help you create a plan that ensures your child's education is fully funded and protected.
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