MARKET

Competition

  • The only dedicated higher education saving program available in the U.S. market is the States sponsored 529 Plan. http://www.sec.gov/investor/pubs/intro529.htm
  • The 529 plan, named after the IRS 529 code, is a simple saving account offering no guaranteed results. Saving is at the sole risk of the contributor. 529 offers tax advantage on the future payout, if used solely for college related payment.
  • The 529 available only for U.S. citizens or permanent residents. No foreign family can join the plan.

According to www.collegesaving.org 2013 529 statistics:

The Need is Acute…529 is the ONLY game in town…. Thus:

$36.4 Billion were saved by American families into the 529 plan, up from $26B a year earlier!!!

500,000 new 529 accounts opened in 2013 up from 400,000 a year earlier.

Almost $70 Billion were invested in the last two years 2012-2013.

Higher Education

Higher Education is a MUST

College Degree opens a far greater, 62%, earning possibilities

MUST CHANGE!!!

According to the Federal Reserve, educational debt has shot past every other category—credit cards, auto loans, refinancings — except home mortgages, reaching some $1.3 trillion this year

The debt burden is weighing on the engine that has always characterized American economic leadership – innovation.

Competition

The sole appeal of 529 college savings plans is that investment returns aren’t taxed as long as the money’s used for education.

Despite these perks, less than 3 percent of American families use the plans.

It’s easy to see why Americans don’t embrace 529 plans. They often have limited investment options, high fees, complicated rules and anxiety-producing investment risks.

Estimated sample markets results(5 years annual average):

  • USA

    – 0-5 years old –
    – 0.2% – 0.4% penetration –
    – Expected Premium –    		 – 23.5 million –
    – 47,000 – 94,000 EDLife children –
    – $8.5B – $17B (annual average) –

  • China

    – 0-5 years old –
    – 0.1% Penetration –
    – Expected Premium –    		 – 70 million –
    – 70,000 EDLife children –
    – $12B (annual average) –

  • India

    – 0-5 years old –
    – 0.05% Penetration –
    – Expected Premium –    		 – 105 million –
    – 52,500 EDLife children –
    – $8.9B (annual average) –

  • Japan + S. Korea

    – 0-5 years old –
    – 0.04% Penetration –
    – Expected Premium –    		 – 8 million –
    – 32,000 EDLife children –
    – $5.7B (annual average) –

Markets of Interest

OECD new Students Global Mobility Trends reveal stunning facts:

    • To start with, look at the steep, almost 45 degrees, slope summarizing the growth of International Students Mobility in the last 24 years.
    • This explosive growth represents ~16% increase per annum!!!
    • In comparison, the world population grew during those years at a mere pace of ~1.25% per annum.
    • Demand from Asia has driven most of this growth, but the OECD also now sees a number of important emerging markets that will influence global mobility in the future
    • Most importantly, the OECD predict the same annual percentage growth, 16%, through 2025, reaching 8M international students.
    • 81% of international undergraduates are supported by personal funds
    • THEY NEED EDLIFE®, there is no alternative!
    • The number of students enrolled in higher education by 2030 is expected to rise from 99.4 million in 2000 to 414.2 million in 2030 – an increase of 314%
    • In only 5 years, by 2035, students pursuing higher education will grow 106 million to exceed 520 million
    • Freshmen enrolling 2031 – 2035 are NOW at EDLife Age of 0-5!!!

The Americas

USA
Canada
Mexico
Brazil
Argentina

Asia

China
Japan
Taiwan
S. Korea
India
Thailand

Rest of the World

Australia
Russia
Poland
Arabian Gulf Countries
S. Africa

* The above markets were selected as the origin of most foreign students into the USA

Total Number of 0-5 years old children in the above markets
255 million
Conservative Annual Penetration Worldwide
0.1%
Potential Annual Market
$46B Premium