In general, a time horizon exceeding at least five years is recommended for savings in a fund or in equities, but it's worthwhile for young savers to think tens of years ahead and to save regularly. When starting to make monthly savings, you don't need to know how you will eventually use the savings. You may also withdraw your savings as necessary over the years, and you get to use your savings from a fund or equities, for example, within a few days. Thus you can realise even a bigger dream with the savings you have accrued during a longer period of time.