This is totally offtopic but

@Bizmind
If tax collection n spending is done correctly, our schools will be free, our highways will have no toll, our neighbourhoods will be cleaner, our healthcare system will be superb and we'll have less crime. But we all know that our money isnt going to places it shud be . Scandinavian countries impose almost 50% tax on salary. But most of the citizens are happy because the money goes back to the people

No need to be sorry la. Just be aware when making ur decisions @ the polling table in the future

Back to the topic :

We're planning to hv children so I want to start saving. I'm currently saving it along with my own retirement fund but I think it's not really a good idea. Because typical age retirement is around 30 years to go but child edu fund around 18 years starting from now.

Or have I been doing it correctly?

@Jordy
Thanks Your strategy really made sense. I think I'll be screwed with more than 1 kid tho. Heh.