yes I agree with you, because we will not know what will happen because investing can be a bad thing all depends on expertise and master in the field of investment, in my opinion better both in live in order not to lose. for example you are still investing but only a percentage and part in the tube because when the investment is good or profitable results can be in the tube and some remain in invest .. because it is effective and no loss because when the investment fails you still have savings from the results of previous investments and will not feel loss, it all depends on the emotion while in investing but we still think about the bad impact is not just a profit in thought.