Another way of funding for kids' education is by investing into a country with a currency that has a strong tendency for appreciation. You continue to ride on that currency's strength.

I sent my family out when they were young, so that they could experience what it is like in an international community, and order that they they could mingle. Somehow, I feel that sending them out when they reach pre-U age is a bit too late. But that's just my opinions,...

Of course, sending them out earlier will consume more resources because we will start to spend for their studies and their living expenses t  younger age, compared to against when they reach pre-U age. Whatever spent earlier could then have been saved up for spending in later years.

However, I opted for the first choice.

My decision to invest in foreign countries has been a great help to me towards financing the above responsibility.

From OCBC:
Important notes
Terms and Conditions for Premier Private Client

How to qualify as a High Net Worth Individual (HNWI)?

The value of your net personal assets must exceed RM3 million (or its equivalent in foreign currency); or

Your gross income in the last 12 months must be no less than RM300,000 (or its equivalent in foreign currency); or

Your gross income jointly with your spouse in the last 12 months must be no less than RM400,000 (or its equivalent in foreign currency)

This rm3 million must be invested in OCBC to qualify?

FOR MBB:
Maybank Private Wealth is designed to create wealth opportunities for Clients with USD1 million in Investable Assets with Maybank.

For SCB:
Eligibility
3. This Programme is open to all SCBMB customers who fulfil the following conditions:
3.1 individuals aged 21 and above;
3.2 Maintain a minimum of RM3,000,000 Assets Under Management (“AUM”) with us in deposits and/or investments
3.3 have maintained all their accounts with SCBMB and/or Standard Chartered Saadiq Berhad (“SCSB”) in good standing,
without any breach of the relevant terms and conditions or agreements;
4. Your membership will be reviewed on a yearly basis at the end of each

Do you have an example of the stock that you just mention?

If same bank then there r even less bank private clients, probably 10% of 0.01%.

There is no doubt Malaysia is a low income nation e.g priority banking aum is RM 250k instead of SGD 250k of same bank in SG, private bank aum of RM1m or RM 3m instead of $3m in sg, about 4% of adults have over us$100k net worth.