Education costs rise ~5% every year. See your child's real number — and the cost of waiting. By Keith Tew — MDRT 7×, Penang.
Estimates for education only, not financial advice. Products underwritten by AIA Bhd. Actual plan values depend on the product chosen.
Education is the most predictable big expense a family will ever face — you know the amount (roughly), and you know the exact year it arrives. What most parents underestimate is how brutally the math punishes delay: waiting 5 years to start typically pushes the required monthly saving up by 60–100%, because you lose both saving years and compounding years.
Keith Tew helps parents in Penang, Butterworth, Bukit Mertajam and Seberang Jaya design education funds that arrive on time, every time — including for newborns (combine with a newborn medical card within the first 30 days).
Today: local public ~RM 60k–100k total with living costs; private in Malaysia RM 150k–300k; overseas RM 400k–600k+. At 5% education inflation these roughly double in 15 years.
From birth ideally — starting at age 0 vs age 8 can halve the monthly amount needed.
A savings plan that builds the fund and guarantees its completion even if the parent dies or is disabled — future premiums are waived.
Different jobs: investments may earn more but don't self-complete. Many families use both. Get a free comparison from Keith.
Get a free education fund projection — serving Penang, Butterworth, Bukit Mertajam, Seberang Jaya and all of Malaysia.
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