I would not recommend u to exchange your flat or real money for bitcoin. It's too risky. Better just sped some minutes of your free time with commenting and getting bitcoins for that. After u pass newbi rank u may join some campaign that will pay u 
exchange fiat to bitcoin is trading bitcoin, or could someone buy to hold. I think this is not risky, if you use it with a safe thing, and not for gambling.actually trading is risky, and it can also be a high risk thing that you do. the risks involve the price changes that come with the volatile nature of bitcoin price and also another big risk that people usually forget is the exchanger itself which can scam you and run away with your money like mt gox, cryptsy, bter,... that did this in the past.
The only risk free trading I know is my U2cloudmining system...
risk free because it is free...you get for free shares and you can sell them if you believe that it is more profitable to sell than keep them for dividends.
Think about if you want trading without risk...