Investing vs.Saving


Is one safer than the other?

Many think of saving as the "safe" way to go. But investing has a wide range of choices — from safe to risky. Bonds and money market accounts are on the more conservative end and equities (stocks) are on the riskier end. Besides risk tolerance, the decision to save or to invest also depends on other factors, including your time horizon and goals.

Consider combining both approaches

Rather than choosing one approach or the other, consider combining them. Then you can blend the relative stability of saving with the accumulation potential of investing.