I personally thinks that this is a force savings where you can use the money or fund after some certains period for your child education or retirement.

I had been in the stock exchange market but looks like i did not gain much in playing there. Furthermore, the risk is high when the return is high.

For me, why not force myself to save so that in the future when i get old, i do not depends much on my childred to contribute me any income that time when i retired.

I personally thinks it depends on individual preferences...