savings, store, lay in, keep, wear mustache
貯 centers on accumulating and holding onto resources for future use: saving money, storing goods, or keeping something in reserve. The 'wear mustache' gloss is an obscure, likely archaic or figurative extension of keeping something on one's person.
貯 combines 貝 (shell, money) with 宁, which likely contributes the sound and the idea of storing or accumulating. The exact historical development of 宁 is uncertain.
The left side 貝 represents money or valuables, and the right side 宁 looks like a storage container with a lid. Picture putting coins into a lidded jar to save them.
For チョ, imagine a child (チョ as in ちょっと) putting coins into a piggy bank, saving a little at a time.
putting money aside; savings; deposit (e.g. in a bank)
to save up (money)
to be saved up (of money)
savings
storage; preservation; stocking; stockpiling
storage of water
reservoir
storehouse; bunker; silo
accumulation (e.g. of water); retention; storage; collection; sequestration (e.g. of carbon dioxide)
deposits and savings; bank account
postal (post-office) savings (deposit)
energy storage
humidor
mattress money
interim storage (of radioactive waste); temporary storage
famine-relief fund
thrift and saving
geothermal reservoir
fixed-amount (postal) savings; fixed (postal) deposit
household savings