Large-cap dividend stocks such as Unilever, Diageo, and Reckitt Benckiser. These provide me with portfolio stability. And I can reinvest the dividends they pay to compound my wealth. Large-cap growth stocks. I already own Apple, Microsoft, and Amazon. I’d like to buy more. I’d also like to add some other growth stocks to my portfolio, such as Adobe, Shopify, and Nike. “This Stock Could Be Like Buying Amazon in 1997” Those with money to save and invest face no shortage of options heading into 2021. Not only are there many saving options (ISAs, pensions, etc), but there are also lots of asset classes and investment structures (funds, ETFs, investment trusts, etc.) to consider.Here, I’m going to reveal my saving and investing plan for 2021. And look at where I’ll be putting my own money next year.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…2021: where I’m going to saveLet me start by explaining where I’m going to save in 2021. I have a simple plan.First, I plan to contribute £4,000 to my Lifetime ISA to max out my annual allowance. This will get me a near-instant bonus of £1,000. Then, I’ll put my next £4,000 in savings into my wife’s Lifetime ISA (she’ll thank me later). By saving £8k into these ISAs, we’ll pick up government bonuses of £2k, taking the total amount saved to £10k.After that, I’ll split my savings between my Stocks and Shares ISA and my Self-Invested Personal Pension (SIPP). The advantage of the Stocks and Shares ISA is that it provides a high level of flexibility. This year, for example, I pulled £10k out of my SA to help with a house down-payment. That kind of flexibility is valuable.The advantage of the SIPP is that it’s extremely tax-efficient. Normally, contributions into a SIPP come with tax relief. However, I actually make contributions directly from my limited company as I’m a freelancer. These are treated as a business expense meaning they reduce my tax bill.This LISA/Stocks and Shares ISA/SIPP combination works very well for me. I get the bonus top-ups from the LISA, flexibility from the Stocks and Shares ISA, and tax savings from the SIPP. I’ll point out that I use Hargreaves Lansdown for all three accounts, which makes it easy to manage my money.Where I’ll be investing in 2021In terms of where I’ll be investing, my preferred asset class is stocks. Over the long-run, stocks tend to generate excellent returns of around 7-10% per year. With that kind of return, money grows quickly.I don’t just invest in UK stocks however. These days, I am very much a global investor. I mostly invest directly in shares. However, I also invest via funds, ETFs and investment trusts.In 2021, there are three types of stocks I plan to buy. Disruptive small-cap growth stocks. These kinds of stocks are riskier but they have higher growth potential. One small-cap I want to buy more of is Upwork. It operates a freelance employment platform. With the ‘gig economy’ expanding rapidly, I think it has enormous potential. Where I’ll be saving and investing my money in 2021 Enter Your Email Address I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. Edward Sheldon, CFA | Saturday, 26th December, 2020 Image source: Getty Images I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. Simply click below to discover how you can take advantage of this. Our 6 ‘Best Buys Now’ Shares Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. I’ll point out that I’m not going to buy these kinds of stocks at any valuation. I’ll be waiting patiently for attractive entry points. I’ve found over the years this is the best way to make strong returns from investing in the stock market. See all posts by Edward Sheldon, CFA Edward Sheldon owns shares in Apple, Microsoft, Amazon, Unilever, Diageo, Hargreaves Lansdown, Reckitt Benckiser, and Upwork. John Mackey, CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. Teresa Kersten, an employee of LinkedIn, a Microsoft subsidiary, is a member of The Motley Fool’s board of directors. The Motley Fool UK owns shares of and has recommended Amazon, Apple, Microsoft, Nike, and Shopify. The Motley Fool UK has recommended Diageo, Hargreaves Lansdown, and Unilever and recommends the following options: long January 2022 $1920 calls on Amazon and short January 2022 $1940 calls on Amazon. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge!