Picture the day. Your child's eighteenth birthday. You're sitting together — chai, maybe dinner somewhere. And you say: we started investing for you the day you were born. Here's what it looks like now.
Two versions of that day
The first: a statement in their name. Eighteen years of SIPs that never stopped. A number that can cover college, fund a first attempt at something, or simply mean they don't start adult life owing anyone. It's already theirs. You're handing over a login, not a gift.
The second: the FD you kept renewing. The one you dipped into in 2029 for the renovation, and again in 2031 when something urgent came up. What's left covers some of the fees. You loved them exactly as much. The outcome is just different.
What you're actually doing
Investing in your child's name, consistently, from early on, sends a message across time. It says someone planned for you — not sentimentally, but with a standing instruction that ran every month for eighteen years without being asked.
The message is worth more than the corpus. The corpus is just the proof.
You don't need to give your child everything. A start is enough.
Not a large amount. Just an amount, in their name, that has been growing the whole time.