Give Them the Best
Start in Life.
Education is one of the most valuable gifts you can give your child, but it's also one of the most expensive. Start planning today with a dedicated education fund that beats inflation and secures their academic future.
The Challenge
The Rising Cost of Education
In South Africa, education inflation typically runs 2% to 3% higher than standard consumer inflation. This means the cost of schooling and university doubles roughly every 7 to 8 years. Relying on your standard salary to pay future fees is a high-risk strategy.
Education Inflation
School and university fees increase at a faster rate than normal living expenses. Your savings must grow aggressively to keep up.
The Power of Time
The earlier you start, the less you have to save each month. Compound interest does the heavy lifting when you invest over 10 to 18 years.
Hidden Costs
Tuition is just the beginning. You also need to plan for uniforms, textbooks, extra-murals, technology (laptops/tablets), and university accommodation.
Your Savings Vehicles
How to Structure an Education Fund
There is no single "education policy" that fits everyone. We use a combination of proven investment vehicles to create a tailored fund that matches your timeline and budget.
Unit Trusts (Maximum Flexibility)
Invest in a diversified portfolio of shares and bonds. You have total flexibility to increase, decrease, or pause your monthly contributions without penalties. You can also access the money at any time.
Tax-Free Savings Accounts (TFSA)
An excellent vehicle for long-term education savings. You pay zero tax on the growth, meaning more money goes towards tuition. Limited to R46,000 per year.
Endowment Policies (Disciplined Savings)
A structured investment (usually 5+ years) that forces discipline since access to the funds is restricted. Highly tax-efficient for parents in a tax bracket higher than 30%.
Why Plan With EBC?
We take the guesswork out of education planning so you can focus on raising your child.
Accurate Forecasting
We calculate exactly how much you need to save today to afford primary, high school, or university fees in the future, factoring in aggressive education inflation.
Inflation-Beating Growth
We select top-performing funds designed to outpace education inflation, ensuring your money retains its purchasing power over the next decade.
Independent Advice
We aren't tied to one provider. We compare Unit Trusts, TFSAs, and Endowments from South Africa's leading asset managers to build the perfect plan for your family.
Secure their academic future today.
The best time to start an education fund was the day they were born. The second best time is today. Contact us for a free education savings projection.
Expert, independent financial planning for your family.