One of the first SEBI-registered investment advisors in the country, Melvin Joseph, is an amazing person. In 2018, he launched his movement to educate underprivileged children called Kids’ Education and You (KEY). A monthly investment of Rs. 2000 towards this cause will change lives and reward you in bear or bull markets! No better day to start this journey than today – Gandhi Jayanti. Over to him for details.
There was an agriculturist in my village who died 35 years ago. Let’s call him Ramu. He was uneducated but had a decent agricultural income. Near his house, there was a family with 5 children whose father, a poor farmer, was struggling to educate his children. Among the five children, the first two were boys, the middle one a girl, and the next two were boys. The elder brothers were doing odd jobs in our village after dropping out of school in the early years.
The only girl, Sita, passed 10th class with a decent mark, but there were no means for the family to send her for further studies. Her father expected her to do odd jobs to support the family while the younger brothers were still in school. She stopped her studies and started going for odd jobs at the age of 16, along with her elder brothers, for the next 1 year.
Ramu, the agriculturist, asked Sita’s father to send her for a pre-degree course, and he has agreed to meet the expenses for her studies. During those days, a pre-degree course was offered in colleges, and the nearest college was around 25 kilometres away. With the support of Ramu, Sita completed her higher secondary course and then joined a nursing diploma course. After working in a local hospital as a nurse for 2 years, she got a job in a hospital in Dubai.
Sita helped her younger brothers join a hotel management diploma course after the 10th class. They were also lucky to get jobs in Dubai. She also helped the elder brothers in setting up some small-scale units.
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Now all five siblings are well settled in life. Their children are all white-collar employees and have settled down in various cities in India and abroad! Last week, during my visit to Kerala, I was pleased to hear that 12 children from this family’s next generation are now employed in decent jobs. What a difference Ramu made in this family! The cascading effect of this for future generations will be significant.
As a schoolboy, I was closely watching Ramu and this family of 5 siblings. Motivated by Ramu’s kind gesture, I have decided to help someone when I start earning in life. Though I started working at the age of 21, I could start this support only at the age of 35.
In 2003, I sponsored the son of a fisherman in Tamil Nadu and supported him from the 5th class till the 12th standard in his studies. He went for graduation through an education loan. Now he is a bank employee. Another sponsored boy joined as a police inspector in Karnataka. A few other kids will be joining jobs in the near future. I slowly increased the sponsorship and reached 15 kids this year. I am crediting 2000/- per month into their mother’s bank account. This ensures that the entire amount is reaching the child. In the present condition, this amount is sufficient for a child to meet the entire school expenses, including fees, books and dress. This also acts as a motivation for their parents to keep the child in school. I will support them till the 12th class. After that, they have to manage higher studies through an education loan.
Kids’ Education and You (KEY)
On 29th March 2018, on my 50th birthday, I made this public and requested my friends and well-wishers to join this scheme. A movement called KEY (Kids’ Education & You) was launched for this. According to this, I will identify children who need support for their studies. Then I will connect them with a sponsor who is ready to credit 2000/- per month till the child completes 12th class. After the 12th class, the child has to manage higher studies through an education loan.
I am very happy to share that as of 30th September 2025, the number of beneficiaries crossed 1150. Thank you, dear sponsors.
We make a living by what we get, but we make a life by what we give” – Winston Churchill.
I am sure many kind-hearted persons will join me in this movement and it can really help many needy kids in the coming days.
If you know any needy kids in your area, please connect with me. I may be able to connect this kid with a kind-hearted sponsor. You can contact me through email – melvin [at] finvin.in, or call me at 9820843739.
Similarly, if you are interested in supporting a needy kid by paying 2000/- per month, please get in touch with me. For many of us, 2000/- will be the expenses for a weekend movie, but for a needy kid, it is sufficient for their studies.
Let’s educate a needy kid and bring his family out of poverty.
Come, join us today and start this Rs. 2000 SIP! I am sure it would be the most rewarding investment you have ever made!
About Melvin: As a fee-only financial advisor, he has served 100s of clients from all corners of the world and is one of the most successful and sought-after fee-only advisors in the country. His website is finvin.in, and you can read about his story here: Fee-only Advisor Journey: Melvin Joseph’s determined struggle to the top. Not only is he the most enterprising and determined person that I know, but he is also the most kind-hearted. He has helped many, many people in their time of need – from helping widows claim insurance money to recharging several desperate Chennaiites’ mobiles during the 2015 floods.
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