Costs, timing and tools.
Education inflation is high
Fees have historically risen faster than general inflation.
Set the date
Know when the first big payment falls due.
Protect the plan
A parent’s life cover or premium waiver keeps the goal safe.
Mix the tools
Combine guaranteed savings with market-linked investments depending on time left.
Key takeaway. Start early and review every two years.
General information only; not personal advice. Rules and limits change, so verify current details. Last updated October 2026.