Buy your newborn/young kids a few China Funds and put them away for 30 years in an account for them.
Along with dividend paying energy plays.
That will fund their retirement and then some in full. But so few do so little as far as setting up accounts for their kids. Every parent should take that responsiblity the day they are born.
At 18 to 20 they can tap it to fund college and even tap it again in their 20s to fund a house or business. The remainder will continue to grow for their lifetime and fund their retirement. The key is T I M E.