Career pivots are costly. How should parents plan for them?

“When you do not know what job, career, college, or stream it will be, the only certainty is that you need money,” Joseph noted. To build an adaptable corpus with a 15-to-18-year horizon, Joseph recommends systematic equity investing through flexi-cap or multi-cap mutual funds. These funds spread across market caps, generate inflation-beating compounding without locking capital into narrow thematic sectors.