Honestly, a lot of us moms here go with the basic savings accounts sa BDO, BPI, or Metrobank kasi convenient lang at malapit, pero maraming friends ko rin na nag-open ng investment-linked accounts or educational plans like Pru Life, Sunlife, or Manulife para mas kumita ang pera over time habang lumalaki ang bata. It really depends kung gusto mo lang ng basic savings or if you want something na may growth potential para sa college fund niya, and of course your budget, kaya mo ba mag-regular contribution every month? Definitely talk to the bank representatives directly though kasi may different options sila and bawat bank may different rates at benefits, especially ngayon na maraming promos para sa baby accounts!