I think you want to set up an education fund for yr bb. I suggest you should prefer fix return and no risk savings plan. If your bb is new born, there's flwg choice you can consider : Monthly premium / Return at age 18
1. HK$1,200 / HK$300,000 2. HK$1,500 / HK$400,000 3. HK$1,800 / HK$500,000