what is the best way to set aside money for my daughter?

i have two older daughters now grown and gone but my youngest isn't even 4 yet. by the time she reaches her age of majority, i'll be pushing 60 - given family medical history, i have to face the fact that there's a good chance i'll cack it before she's old enough to be independent. i want to secure her future but in a way that will keep it from the public eye - i don't want to bust my hump only to have her money nibbled away by taxes and user fees or, worse, outright theft and fraud. i was thinking of investing it somehow and having it locked away to be released only upon reaching the age of 20 or when the trustees agree. i've already set up an RESP but i also want her to have money that's hers - it would be dreadful if she (or her legal guardian) was forced to cash in her RESP

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