Undergraduate College Degree 2031 Package

Name: Undergraduate College Degree 2031 Package
Brand: Arthgyaan
SKU: ug-college-2031
Availability: InStock

What is the Undergraduate College Degree 2031 Package?

The Arthgyaan Package is a structured investment plan to fund your child’s undergraduate education. SIPs help parents systematically build a corpus for this major expense.

The Undergraduate College Degree 2031 package is a mutual fund bundle aimed at building a ₹20 lakh corpus (in today’s value) by 2031 to help pay for an undergraduate degree. The funds will be used for four years, starting in 2031, to cover admission, tuition, hostel/mess and other expenses.

Who is this plan for?
This plan is for 12 year-olds who will be applying for college admission in 2031.

Here is some more information about this package:

Investment Start year	2025
Admission Year	2031
Target amount	₹20 lakh
Present value in 2025	₹22.6 lakh
Lumpsum amount	₹1.00 lakh
Monthly SIP amount	₹25,985
Inflation	8%

In this package, investment happens for the next 9 years via mutual funds and supports spending for the goal as per the chart below.

Year-wise investment plan

Each row in the table below represents 12 months of investment.

Year	SIP per month (₹)
2025	25,985
2026	27,284
2027	28,648
2028	30,080
2029	31,585
2030	33,164
2031	34,822
2032	36,563
2033	38,391

Year-wise expenditure plan

This is a package that supports expenses spread out over multiple years.

Specifically, since this is a UG college funding package, the expenses do not happen all at once but over 4 years as per the fee payment schedule. Additional customisations in the number of years, based on the type of college degree, are possible.

Year	Amount in ₹lakh
2031	9.52
2032	6.86
2033	7.40
2034	11.99

How does the package work?

The package consists of a bundle of mutual fund investments, supporting both lump-sum and SIP contributions. Fund selection, whether equity, debt, hybrid, or cash is based on an asset allocation strategy suitable for a 6-year goal.

The first aspect of the package is choosing the right funds and their allocation.

The second aspect is risk management, which involves systematically reducing equity exposure as the goal nears and rebalancing whenever the allocation deviates from the target.

Lifecycle of a goal

Readers curious to understand more should refer to: What is the lifecycle of a goal?

Who should invest in this package?

Investors who wish to follow a structured investment process beyond looking for the best mutual fund or investing via tips will benefit from following goal-based investing.

What are financial goals?

Arthgyaan Packages are pre-designed mutual fund bundles that enable goal-based investing through fund selection, asset allocation, rebalancing, and risk management. The process is explained in the infographic below:

Goal-based investing process

How to invest in the package?

Please review all the information on this page (including the FAQs below) and then click the Start button at the bottom after the Disclaimer section.

Frequently Asked Questions (FAQs) about the Undergraduate College Degree 2031 Package

Is the investment plan guaranteed?

Mutual funds do not provide return guarantees. The package of funds on this page does not provide any guarantee of returns implied or otherwise.

Why should I invest in this package if there are no guarantees?

Historically mutual funds have created wealth for investors. While mutual fund returns are not guaranteed, with proper planning and risk management, there is a higher chance of meeting your investment goals via mutual funds vs. investing in mutual funds without such a plan.

Which is the best mutual fund for investment?

There are 10,000+ mutual funds in India and the ranking of best funds changes daily. So, a much better approach is to create a plan that makes it more likely to reach the purpose of investment instead of looking for best returns. If you wish to learn more about investing without worrying about what the market is doing or which product to invest in next, then choose this Undergraduate College Degree 2031 Package or a similar package.

I am uncomfortable with taking too much risk. Should I invest in this package?

Every package can be customised for your risk-taking ability and willingness. One good thing about this package is that as the goal comes closer, your portfolio is automatically moved from risky to less risky funds via rebalancing when we review your progress towards the goal. Also, if you are not comfortable with any particular type of mutual funds, they will be excluded from the portfolio.

What if I wish to invest more or less than ₹25,985 monthly?

The SIP amount of ₹25,985 / month is as per the goal amount of ₹20 lakh. If you invest more or less, the final amount will also differ in the same proportion.

What if my goal amount is more than ₹20 lakh?

You must adjust the SIP amount for the new goal amount. For example, if the goal amount doubles, the SIP amount will also be doubled.

What if I don’t want to invest a lump sum today and start only the SIP?

In such a case, you must invest more than ₹25,985 monthly to reach the same goal.

Can I step up my SIP amount?

By default, we assume 5% step up in the total investment amount year-on-year. If you step up by a higher amount, the goal amount will likely be reached faster or be higher than ₹20 lakh.

Can I invest lump sums any time into the package?

Yes, you can. The amount of corpus you are expected to reach in 2031 will be different (typically more).

Can I stop my SIP anytime?

Yes, you can. The amount of corpus you are expected to reach in 2031 will be different (typically less).

How long do I have to invest?

The package assumes that you will be investing for the next 9 years. If you wish to invest for a shorter period, the amount you must invest starting today will then be higher than ₹25,985 per month.

Is there any insurance plan in this package?

No. However, to ensure that the goal is not disrupted due to the untimely death of the person whose income will be used to invest, they should take additional term insurance of around ₹21 lakh.

Is any personalised investment advice being provided?

No. In accordance with SEBI regulations, no personalised investment advice is being provided here.

Disclaimer about investing in Mutual Funds

Mutual fund investments are subject to market risks, read all scheme related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of future performance of the schemes. The Mutual Fund is not guaranteeing or assuring any dividend under any of the schemes and the same is subject to the availability and adequacy of distributable surplus. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.

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