Hey momsh, honestly depende talaga sa goals mo for your child kaya important na mag-research ng different plans mula sa insurance companies like Sunlife, Prudential, or AXA, yung iba namin friends nag-invest din sa mutual funds or stocks para mas flexible ang growth ng pera. A few of us tried combining insurance education plans with regular savings kasi mas secure pakiramdam, pero ngayon marami ring online investment platforms na pwedeng i-explore. Best talaga mag-consult with a financial advisor or even your family accountant para makita kung ano best fit sa budget at plans ninyo, plus always read the fine print carefully, trust me, maraming clauses ang tricky sa mga plano na ito!