Hii dear as a mother I understand ur suitation i also have confusion abht investment..then I consult to my Lic agent ..he tells me s plan for educations . He tells me that v have to deposit 16500 every year nd in 10 years policy ll be mature. Nd u ll get 6 lakhs for education nd totally v have to deposit 3 lakhs ..I also take this plan for my kid too .u can try it ..consult to ur lic agent too