Geschenksparkonto or on your own?

I’m about to become Uncle and Godfather and as uncles do, they look out for Family. I though about opening a " Geschenksparkonto" which would be the usual method.
Put some money there each year and I think there’s some banks which also allow you to subscribe to some Fonds through this account.

I feel like actually investing this money in a different way and through the more traditional ETF’s instead of what the shit banks usually push you would be better.

What is the consensus on this? Should I just open a Geschenksparkonto or is there a true to my idea and for example I could just use a broker like degiro and invest the money there? And then luiqidate it when the Child turns 18 or whatever?

Thanks for your opinions

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