Smart Savings for Your Child’s Future: Start with Children’s Mutual Funds on GoPocket

Smart Savings For Your Child’s Future: Start With Children’s Mutual Funds On GoPocket

Every parent dreams of giving their child the best-quality education, world-class opportunities, and the freedom to shape their future. Whether it’s higher education, a talent course, or their first international trip, planning early makes these dreams easier to achieve. One of the simplest and most effective ways to start planning is by investing in children’s mutual funds as part of your long-term investment for child strategies.

HOW DO THESE FUNDS WORK?

Your money stays invested for a minimum of 5 years or until your child turns 18.

Returns may fluctuate in the short term, but long-term growth is usually better than regular savings accounts.

Tax rules are simple and investor-friendly for long-term investments, making them an excellent tax-efficient children’s investment option.

This lock-in period encourages discipline, helping you build a solid financial future fund for childyour .

WHY INVEST THROUGH GOPOCKET?

GoPocket offers an easy and convenient way to start investing in mutual funds for your child’s future. It helps you begin your savings journey with straightforward steps and a user-friendly experience-ideal for parents beginning kids’their future financial planning.

Think of a children’s mutual fund as a smart piggy bank that grows over time. Professional fund managers invest your money in:

• Shares (equity): where money grows faster but can move up and down
• Bonds (debt): more stable options to balance the risk

This combination helps your savings grow steadily over the long term, making it ideal for goals that are 10–18 years away. These funds are designed specifically for child education fund needs and children's goal-based investing, such as education and skill development.

HOW INDIA’S TOP CHILDREN’S MUTUAL FUNDS PERFORMED

Here’s a simple look at how three popular children mutual funds have performed in recent years-explained without complicated charts or tables.

1. TATA CHILDREN’S FUND

This fund is more aggressive and invests heavily in shares. Because of this, it has shown strong growth in the past-around 13% returns over 3 years and 18% over 5 years.

This is great for long-term goals, but you must be comfortable with market ups and downs. You can start with a ₹500 monthly SIP for the child’s future or a ₹5,000 lump sum.

2. HDFC CHILDREN’S FUND

This is a calmer, more balanced fund with a mix of shares and bonds. Past performance shows around 15% returns over 3 years and 18% over 5 years.

It's a good option for parents who want stability along with growth. The best part-you can start with just ₹100, making it accessible for future funds for child planning.

3. ICICI PRUDENTIAL CHILDREN’S FUND – GIFT PLAN

This fund leans more towards shares and aims for higher growth over long periods. It has delivered around 18% returns over both 3- and 5-year periods.

It’s suitable for long-term investors who can stay invested for 12 years or more. You can begin with a ₹100 SIP for child’s education or a ₹5,000 lump sum.

HOW MUCH SHOULD YOU SAVE? A SIMPLE EXAMPLE

Let’s say your child is 8 years old and you want to save ₹20 lakh for college in the next 10 years.

If you invest using a ₹5,000 monthly SIP and the fund grows at around 12% yearly (a common long-term estimate), you may end up with about ₹11.2 lakh.

To reach the ₹20 lakh target, increasing the SIP to around ₹9,000 per month can help.

Tools like a SIP calculator help you understand exactly how much you need to invest for your child’s education fund.

CHILDREN’S FUNDS VS. RETIREMENT PLANS

Children’s funds are built for 10–18-year goals, focusing on long-term growth with some risk-ideal for investing in child’s education

Retirement plans, on the other hand, are meant for 20–30 year horizons, with more focus on steady and safe returns.

Each plan serves its own purpose, so it’s important to choose based on the goal, not the product..

HOW TO CHOOSE THE RIGHT FUND: QUICK CHECKLIST

Choose share-heavy funds if your goals are more than 10 years away.

Pick balanced funds like HDFC’s if you prefer fewer ups and downs.

Look for lower expense ratios (fees).

Always invest through a SIP-it builds discipline and smoothens market swings.

Review your investments once a year.

Avoid funds with very high fees or unclear strategies.

These steps help ensure you’re selecting the best mutual funds for children in India.your child

FINAL WORD: A BEAUTIFUL GIFT FOR YOUR CHILD

The best time to secure your child’s financial future is today, not during a festival or a special occasion.

Even a small start, like a ₹100 SIP, can grow into something meaningful over time, especially when used for long-term investment for kids’ education.

Open GoPocket, explore children’s mutual funds, and make their dreams easier to achieve-one small investment at a time.

Disclaimer

Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. The information provided in this blog is for educational and awareness purposes only and should not be considered financial or investment advice. Users are advised to consult a certified financial advisor before making any investment decisions. GoPocket is a platform that facilitates investments; it does not guarantee returns or future performance.

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