You're right exactly and I see it very clear to think if we invest it for good profit gains. Saving it without investments will make your money stagnant like a water in a lake that don't move. During the investment time of your money you have through a lot of challenging situations, like sometimes you've encountered such problems on returns of investments; but it eventually survived and generates good profit. Anyways you cannot controll every situation to happen, but important is if you have saved money you must roll it into investments.