i feel the best method to generate more income is through this method.

1) Save as much in the FD or SSPN.
2) When your child reach 15 years old above to 16 years old, i will teach him business. get him to start small business progressively. Start with Lemonade business. Feel the failure in life and success in life with small investment of RM 2K given to him/her.

3) 17-19 year old. New Business Plan . Investment of RM 5K given to him . Check his progress and see if he can manage his goal.

4) 20-22 years old . this is the time for self discovery. Invest 10K in his hobby and find out his career path. If he can makes the money from his career path, he can fight hard to get the education loan or work part time to reach his goal.

5) 23 - 28 years Should be the best time in the University.

I feel that many students fail to realize their dream and most go into college studying something they dont like. I think starting them older is better and they should be able to value their money and career more.

Really make no sense to save all the money and wasted on your child education when most typical malaysian were mostly preparing the child to enter the university but not letting your bird to explore their real food.