My baby girl is about to complete her three years.My target is min.25 alcs at her age of maturity i.e.at the age of 20 yearsI am not sure on how to invest for her.Confused to go for Rd/FD or PPF.Also interested in Mutual funds,but no knowledge.Think for LIC plans for children but they have very high rpemiums with less benefits.Confused between what is difference between ELSS & SIP.Also read great article on how to create child policy by Manish-Jagoo investor.Not able to have the financial planner at this stage.Also paying heavy EMIs.Who can guide me.