insurance or savings

Honestly po, depende sa situation mo, a few of us have both kasi iba ang purpose nila talaga! Junior savings ay flexible, pwede mong i-withdraw anytime kung kailangan, while educational insurance is more structured para talaga sa college fund with protection pa. I'd say start with junior savings para may emergency fund, tapos if you can afford it, mag-add ng educational insurance para sa long-term security ng education niya, ang combo ng both ay best talaga, pero if tight ang budget, choose based sa priority mo talaga.