The document outlines an investing timeline for a child from ages 0-25. It recommends investing aggressively in equity funds, SIPs, and gold ETFs from ages 0-8 to take advantage of long investment horizons. From ages 9-13 it suggests a balanced approach with SIPs in balanced funds. As the child approaches college age from 13-18, it recommends reducing equity exposure and increasing debt funds to be more cautious. From 18-21 the SIP payout can help fund education, and from 22-25 goals should be reached and funds can be redeemed for marriage expenses or liquidated.

1. Your Kid’s Investing Timeline

2. 0-5 Years
Goals are far, so invest
aggressively - Buy
equity funds in his
name, start SIP in child
name, buy Gold ETF’s.

3. 6-8 years
Continue on
aggressive path – Keep
investing aggressively in
equity funds and SIP.

4. 9-12 years
Time to take a
balanced view – Start
SIP in balanced funds

5. 13-16 years
Goals are near, so be
cautious –
Systematically reduce
equity exposure and
increase debt funds
exposure.

6. 18-21 years
Child is an adult-
Use payout from
child SIP and
redeem it as per
need to fund
education.

7. 22-25 years
Financial goals are
reached. Redeem
funds for marriage
expenses and
redeem Gold ETF’s.

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