Which option out of these 3 will you recommend for my Child investments ?

Hi All,

I am looking for a child plan for my daughter (about to be 2 yr) having guaranteed returns.

After researching and talking to agents over phone and personally I drilled down to three options. :

1. Aviva Young Scholar Secure (suggested by Moneycontrol agent)

2. LIC New Endowment Plan (6-7 individual policies so that each matures every year once the kid is 18 yr old) (suggested by LIC agent)

3. PPF + term  insurance (my internet research)

I personally feel plan-3 should give maximum benefit. Need help to find pros and cons of these and if there is anything better out there in the market. Moderator: Kindly move the thread to right Category if it is not.

Thanks in advance,

Rahul