Everyone saves something from their own earnings. And they want to invest that savings in a place where they can get good returns and avoid financial crisis in the future. For this, proper financial planning is needed. Especially if you are thinking about the future of your children. Because the expenses of your child’s education are increasing day by day and will increase further in the future. In such a situation, by adopting some special methods, you can save a huge amount for them, or rather, a little knowledge and savings can make your child a millionaire by the time he goes to college.

Saving in India is quite old, but nowadays the expenses are constantly increasing. Be it for the education of your child or for the marriage of your daughter, maintaining the tradition of saving is essential. Along with this, a good financial plan that can meet the increasing expenses and provide adequate returns is essential. If your child is less than three years old, then you need to plan for the next 15 years and set a goal of saving more than 1 crore (about 10 million dollars), so that you do not have to struggle with financial constraints for the education of your child and other expenses.

However, it is important to remember that 10 crores (about 10 million dollars) today will no longer be worth what it is today. Adjusting for inflation and using a division factor, its value could be halved in 10 years. It could even be less in 15 years. Therefore, disciplined investing combined with a specific approach can be helpful.

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First Method SIP

Mutual Fund SIPs offer a great option to get excellent long-term returns. It has the ability to compound money, which will prove to turn your investment into a big sum. So SIP is a very good option for investment. There are many examples from HDFC Flexi Cap Fund to Franklin Flexi Cap Fund, where you can get good returns of up to 18 percent if you invest. Based on this return alone, this investment option is quite good for your child’s future and to make him a millionaire. Suppose you save 15 thousand rupees every month and do SIP, according to SIP Calculator, if you invest like this regularly for the next 15 years, you will have 1.20 crores more savings based on 18 percent return. During this period, the amount you deposited will be 27 lakhs and the return on this amount with compounding will be 93.16 lakhs. As a result, your total deposited amount will be 1,2016,645.

Second Method: Investing in Real Estate

To achieve this goal, you can consider investing in real estate. It has also been proven to give long-term returns. Historically, property values ​​have generally increased rather than decreased even in the worst of times. Looking at the Indian real estate market, the long-term return on investment is on average 8-10%. So, if you buy a plot of land worth Rs 30-40 lakhs for your child’s future, then given the current rise in property prices, its value could cross Rs 1 crore in the next 15 years. This could also be an option to make your child a millionaire.

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The third method is investing in gold

Buying gold in India has proven to be a great option not only for the hobby of jewellery but also for investment. This centuries-old investment method can be very effective for your child’s future. The way gold prices are rising, buying gold at this time will be a boon for your future. Usually, when the market situation deteriorates or there is uncertainty, even big investors turn to gold as a safe haven. In 2025, gold prices have consistently broken records, with 10 grams of 24-carat gold crossing Rs 1.35 lakh (about $1.5 million). This has given a return of almost 50 percent in a year and gold is likely to cross Rs 2 lakh in 2026.

Regular Investment

Experts also say that the sooner you start investing, the more you will get. This can be easily understood through SIP investments, which can make you a millionaire in the long run. So, if you are planning to invest for your child’s future, start now.