There are at least two scenarios that require big expenses in our life namely funds to support our retirement and secondly fund to support our children’s higher education.
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These expenses require tens of thousands, if not hundreds of thousands of dollars.
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If that is the case, we cannot be starting to save two years before we retire or two years before our children go to university
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How to save RM100,000 in two years?? Am I right?
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Therefore, we need to start saving as early as possible.
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When we start early, we can do so based on our budgets such as RM300 or RM400 per month, unlike RM1,000 or RM 3,000 per month. Realistically, the former is more doable.
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Based on my own experience, I started to save for my children higher education funds since they were three months old.
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Since I started back then, my allocation was only about RM300 – RM500 per month. In fact, I even started to save for my youngest child while she was in her mothers’ tummy!
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Hence, taking advantage of the Gold Accumulation Program provided by Public Gold is the solution.
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It would be easier and effective to manage if each child has his or her own account. The deposits are managed by the parents as they are the caretaker of the account.
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With such early planning, you can rest assured that the fund to support your children higher education fund would be available by the time they are ready.
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Hope this helps. 
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