Compare a Regular Saver Account Against a Fixed Rate Bond for a Wedding Fund

A wedding fund needs building and the choice between a monthly regular saver and a locked in fixed rate bond depends entirely on whether the money already exists or is still being built up. This compares both properly for your goal amount and timeframe, then gives one plain recommendation.

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You are building a wedding fund and need to grow {GOAL_AMOUNT} within the next year or two. You are deciding between a regular saver account, which requires a monthly deposit, and a fixed rate bond, which locks a lump sum away for a set term.
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**Compare** the two options:
1. Explain how each account type works: access rules, deposit pattern required, and any penalty for early withdrawal
2. Work out which is likely to pay more interest for this goal amount and timeframe, stating the assumptions used
3. Flag which option suits money already held as a lump sum against money still being built up monthly
4. Recommend one option for this specific goal and timeframe, with the reasoning stated plainly
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A short comparison in two sections, one per account type, followed by a one line recommendation matched to whether the money already exists or is still being saved. Plain English, beginner friendly. Under 250 words.
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