Query Regarding ETFs & Mutual Funds

I am a small investor started my journey on psx few months back,over this time I went through important features of investments opportunities in Pakistan that are

1. Mutual funds

2. Pension funds

3. ETFs

Iam already invested in psx but after sometime I have realized that I should invest for my children for their future but got stuck at a point that where to invest after my initial research I decided on few aspects of pension funds but stuck at mutual fund and ETFs

Anyone who can guide me that where should I start investment for my child and considerations for ETF for long term as I heard that liquidity issues with ETFs and secondly dividend issues

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