But right now this is not there in savings. So my point is that, the savings should be like fixed deposits, which one can break any time. Even banks have similar schemes. You tell them, to deposit for certain time ( lets say 5 years), they will put an interest rate accordingly. Now in between if you want to withdraw, they will recalculate the interest but will allow you to withdraw. So you do not get the same interest, but you are not locked to withdraw in emergencies.