@crystalenka@fosstodon.org It’s based on loose assumptions about greater risk equaling greater reward. There is near zero risk in a savings account and the returns are limited (often even less than inflation). Equities and fixed income investments have greater upside but have the risk that they go down. Either way, your investments need to reflect your personal risk tolerance. I’d check out Wealthfront and Betterment as they help you figure out your risk tolerance and how it could play out.