Should we top up our children's CPF while they are young or put it into a regular savings plan instead?

This was what I did... The order shows my priority:
1. Do OA to SA and RSTU to hit FRS for myself.
2. Top up child's MA every year 2k.
3. Pay off HDB loan with OA, partial capital repayment. Monthly loan pay in cash.
4. After loan is cleared, channel cash used for monthly loan to return to CPF OA capital uses for pty and accrued interest.

I also have my own stocks which I ownself manage, which runs in parallel. Allocation wise, I plan for CPF : stocks and cash = 1:3, then slowly increase the stocks and cash.

For me, I will plan not to deprive them of tax savings and other useful tools for their own planning.

As a planner, we aim to have lots of backup plans for circumstances that may be out of our reach too.

I will strategise by being prudent and maximise our own and parents CPF first. These are immediate gains, compared to future gains, which have political risk.

Hence, I would lean more towards cash RSP etc etc. The opportunity cost and reinvestment risk are smaller given we have so much wider range of financial product compared to yesteryears.