Technology has revolutionised not only the way in which we communicate, but also how we seek and share knowledge. The rapidly changing digital environment now requires non-traditional mediums of learning; and to be competitive in an ever-shrinking global economy, the youth of Pakistan must rapidly adapt.

Education opens the door of opportunities and enlightens you to differentiate right from wrong, thus empowering you to bring about change. Unfortunately, our public sector schools remain theory-focussed and poorly funded, so parents who want to improve their children’s future prospects now increasingly rely on expensive private schools that have qualified teachers and practical, values-based curriculum.

The monthly cost of primary education at these institutions range from Rs20,000 to Rs50,000, taking away a large chunk of salaried-class parents’ salaries. As you progress academically this expense only grows faster, which means bigger sacrifices by parents.

With university education costs reaching millions of rupees and a challenging job market for young people, quality higher education has never been more critical than it is today. However, if parents want the best for their kids, they can no longer rely on conventional savings avenues of low interest-paying bank deposits or National Saving Schemes and low value for money insurance policies camouflaged as investment plans.

An affordable, flexible, diverse and reliable long-term saving solution is mutual funds, a pool of money from many individuals invested in various options managed by professional experts and regulated by an independent body (SECP). Mutual funds remain a very popular education planning solution for millions of people around the world and in Pakistan, parents who invest in them also get tax rebate so their savings grow even quicker. Sound too technical? Don’t worry as trained financial advisors employed by Mutual Fund companies help you calculate how much is required to be saved on a regular basis to meet a pre-defined saving target.

The success of these plans hinges on a disciplined approach whereby regular contributions are made to average down costs and minimal switching is done to eliminate market timing. Education is the foundation to human development and prosperity; we at MCB Arif Habib Savings & Investments have been helping parents and grandparents for over 16 years to financially plan for meeting the rising cost of quality education.

Attending a top university locally or internationally is contingent not only on stellar grades, varied extra-curricular activities, community-service and leadership achievements but also on having adequate finances available to pay for four years of bachelor’s degree or two years of masters degree.

Make a more aware, independent and prosperous Pakistan by planning for better education, life’s most rewarding investment!

Uniferoz Safe and quality products

Uniferoz, manufacturing ‘First aid bandages’, ‘Surgical Tapes’ and ‘Wound Dressings’, was established in 1988 and is a prominent name both in the domestic and export markets.

Saniplast and Dermapore brands are well-recognised among the target audience in their respective categories.

Quality assurance with updated testing methods and standards ensures continuous quality checks right from the receipt of raw materials, manufacturing process and up to the dispatch stage of the finished goods. We have ISO-9001-2008, ISO- 9001-13485 and CE certifications which ensures quality management systems.

Saniplast first aid bandage protects wounds from germs, dust and water, hence keeping wound safe from infection. It is made up of hypoallergenic, porous and waterproof material, which allows air permeability to the skin.

Its Antiseptic pad keeps the wound safe and helps in healing.

Saniplast Junior for children is available in attractive cartoon characters printed on the coloured strips, which children love to apply on their wounds for protection and safety.

Published in Dawn, Young World, March 31st, 2018