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School fees plans and schemes are more bark than bite.
The reality is that most people fund school fees out of income, capital, or a second mortgage. When assessing the situation consider only using private education for the later years, it makes the problem a lot easier to deal with.
Most so called school fees plans are little more than an accounting exercise designed to estimate the funds needed and the savings rate required.
To give a very rough idea of the size of the problem if you want to cover school fees of £3000pa you should invest £150pm for ten years before the fees start, and maintain it through the school period. If there is only five years notice then save £200pm. ( Figs very approx. but assume 9% growth in fund, and 6% in school fees inflation).
Life gets even more complex for families with more than one child.
The usual approach is to use ISAs when advance funding, and more cautious deposit areas if time is short and capital protection is important. However there are special packages that might appeal, ( although they aren't any cheaper). Take advice.