In the case of civil servant preparing his retirement plan, see it as investment and not typically saving.
When you save in a currency, what you want is for that currency to retain its value and savings are meant to be easily accessed.
I will classify your post here as investing rather than savings, the volatility of Bitcoin makes it a bit hard to save because you may not be able to get the exact amount when you need your savings, preferable that you save in stable currencies (little or no volatility) other than Bitcoin, if you desire to buy Bitcoin let it be for investment sake.
I totally agree with you, this post should be about investment and not savings. Savings and investments are entirely different and I will point out the differences.
Savings is a particular money you keep aside or set aside for a particular goal for future plan/emergencies without even having in mind of getting higher returns because you can actually leave it for just short term and it involves low risk.
While investment is when you put your money into an asset for a longer period for higher return with high risk. Your main aim of investing is to make good profit, which is more preferable to do a long-term investment but your aim of savings isn’t actually to make profit, you’re just keeping money for future plans.
Op I hope this explanation helps you understand better. So I will advise any body that wants to invest in bitcoin, to still have savings aside to avoid tampering with their investment.
