“Sean has helped me with my financial planning and taxes for many years. He has always been professional, personable and gone the extra mile. I highly recommend his services.”
Gary S.
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Education Funding
Investing in your children's future through strategic planning
Education is one of the most valuable gifts you can give your children. Through Old Mutual Personal Financial Advice, we help you plan and invest for future education costs using the most effective strategies available.
Overview
The cost of education in South Africa continues to rise well above inflation, making it one of the most significant financial commitments parents face. At SVZ AND ASSOCIATES, we help you plan ahead so that when the time comes, funding is in place.
Private school fees in South Africa can range from R50,000 to R200,000 per year, and university costs are climbing rapidly. Without a dedicated savings plan, these costs can severely strain a family's finances or force compromises on the quality of education.
We take a practical, numbers-driven approach: projecting future costs, assessing your current savings capacity, and recommending the most suitable investment vehicles to grow your education fund efficiently. Whether your child is a newborn or heading to high school, there's a strategy we can build.
What We Offer
01
Education Cost Projections
Realistic calculations of what schooling and university education will cost when your child needs it, factoring in education inflation rates specific to South Africa.
02
Endowment Policies
Long-term savings vehicles specifically designed for education funding, with certain tax advantages for higher-income earners and protection features.
03
Unit Trust Savings Plans
Flexible investment solutions using unit trusts that can be adjusted as your needs change, with no lock-in periods and access when you need it.
04
TFSA Education Strategy
Using Tax-Free Savings Accounts as an education funding vehicle, where all growth, dividends, and capital gains are completely tax-free.
05
Bursary and Scholarship Guidance
Helping you understand and explore bursary and scholarship options that could supplement your savings and reduce the overall funding burden.
Client Stories
What education funding clients say
9 reviews
“Very happy with the prompt and professional assistance received regarding my tax returns. Would highly recommend.”
Colleen K.
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“Thank you Sean and his brilliant support staff, my Tax profile was a mess and I got an sms stating I owed them money. I reached out to Sean and in a matter of days I got a refund from SARS. Thank you for your brilliant service.”
Alex C.
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“I had been involved in a hit and run and my car was damaged. I was referred to Timeka who has excellent service by the way and super friendly. She helped me get the claim sorted with the insurance and was quick and efficient.”
Tyler K.
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View allFrequently Asked Questions
Common questions about education funding - answered by our team.
As soon as possible - ideally from birth. Starting early means you need to save less each month because compound growth does more of the heavy lifting. Even modest monthly contributions from birth can grow into a substantial education fund over 18 years.
If a degree currently costs R150,000 per year and education inflation averages 8% per year, it could cost over R500,000 per year in 15 years. We'll calculate the specific projections for your child's age and your target institutions.
It depends on your tax bracket and flexibility needs. Education policies (endowments) offer tax efficiency for higher earners but have restrictions. Unit trusts and TFSAs offer more flexibility. We often recommend a combination approach.
There's no judgment here. We'll work with whatever budget you have and create the best possible plan. Even saving for university while using public schooling is a strong financial strategy. The key is having a plan, regardless of the amount.
Great problem to have! The savings remain yours and can be redirected to other goals - perhaps postgraduate studies, a first car, a deposit on a home, or your own retirement. Flexibility in your investment vehicle ensures the money isn't trapped.
Education Funding Readiness
Are you on track to fund your children's education? Let's find out.
Question 1 of 4
Have you estimated the total cost of your child's education?
Invest in Your Child's Future Today
The best time to start saving for education is now. Let's create a plan that works for your family and your budget.