Your goal – flexible savings
If saving is your main aim, you need a solution that gives you a great deal of flexibility. Successful saving is about being disciplined, and perhaps having the flexibility to make single payments whenever it suits.
More flexible solutions can also offer a number of secondary benefits. You might want the reassurance that you can decide to take withdrawals if you need to. Or you might find it useful to be able to stop and start making contributions when you want to.