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According to the Future of Education report by McCrindle (1) , there are over 6.1 million students in Australia made up of 4 million primary and secondary students, over 1.6 million tertiary students and over half a million students taking part in vocational education.

It’s a large sector that comprises more than a quarter of the population, with expenditure on education just from private sources (your clients) in Australia already exceeding $40billion per annum.

It’s no surprise that the cost of education, like everything these days, is on the rise. In fact, according to our exclusive Cost of Education research, 39% of schools are likely to increase school fees this year. On top of that, the cost of educating a child at home during the COVID-19 pandemic last year cost parents an extra $1,856.

Our research also found one in three (31%) parents who took annual leave or unpaid leave to help home school a child during the COVID-19 pandemic earned substantially less than the previous year, with 51% of those reporting their earnings fell by more than $10,000.

The rise in the cost of education coupled with the impacts of the COVID-19 pandemic could have a considerable impact on your clients and the education aspirations they have for their children or loved ones. And with less discretionary money to spend, it’s going to be very hard to pay for education, which means parents who plan and save will be in a better position in the long run.


Planning for education costs is especially important when you consider the total estimated costs of education for a child starting school in 2022** in 5 of Australia’s major cities:



You can calculate the total cost of education for your clients via our Cost Calculator or for a further state breakdown of these costs click here.


To find out more about the Future of Education in Australia and trends in Intergenerational Wealth Transfer you can view Mark McCrindle’s keynote speech from Futurity’s Education Bond product launch here.


To find out more about how a Futurity Education Bond could help your clients meet future education costs please contact our National Business Development Team here.



**Estimates of future long-term education costs projected over a 13-year period are provided as a guide only. Being estimates, Futurity cannot guarantee they will represent the actual cost of education for a particular child or school sector or particular period


The Futurity Investment Group Planning for Education Index is based on data sourced from a survey of 1,800 members on ancillary costs conducted by Futurity Investment Group and public information on school fees, including the My School website. The COVID-19 research is based on data sourced from a survey of 1,300 members in December 2021 on the financial impacts of educating children at home during the COVID-19 pandemic. The survey was conducted by Futurity Investment Group.

Methodology and assumptions
For an explanation of all methodology and assumptions, please refer to the Futurity Investment Group website.