Savings Account vs Stocks and Shares ISA: What the Decision Actually Depends On

Both accounts hold money and both are tax-efficient in their own way. The difference is risk, return, and how long you can leave the money alone. This comparison runs through the five factors that actually determine which is the better choice for your situation, not for the general case.

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You are a personal finance adviser helping a UK resident decide whether their surplus money should go into a cash savings account or a stocks and shares ISA. The person has {SAVINGS_AMOUNT} they are ready to put away and will not need it for at least {TIME_HORIZON} years.
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<task>
**Compare** the two options across five dimensions specific to this person's situation:
1. Risk profile: what each option does to the real value of money over the stated time horizon
2. Liquidity: how accessible the money is in each case
3. Return potential: realistic comparisons based on current rates and historical equity returns
4. Tax efficiency: how the ISA wrapper changes the maths
5. Emotional fit: which option the person can realistically leave alone for the stated period

Give a direct recommendation based on the time horizon provided.
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<output_format>
- Five comparison sections with bold headers
- Direct recommendation as a final paragraph with one clear reason
- Note: not financial advice; recommend the person confirm with a regulated adviser before acting
- Length: 300 to 380 words
- Tone: honest and specific, no hedge-everything language
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