When should you expect to withdraw your money from you investments, it's seen as a retirement account but you can get away with using it as a savings account.
Paying off an interest only mortgage in 25 years time? Index fund
That trip to an African Safari for you 40th in 15 years, maybe An index fund?
Saving up for a motor home over the course of 10 years? The lines start to blur now
...so what time horizon would you need before you put money in equities vs a savings account?