Lastly, investing is highly preferable to savings.
Investing is not a safe thing because I think the situation is still changing always. If you want to invest money, you must be brave and careful. You will get risks but the invisible risk is always higher than we think. The best way to avoid risks is not to take the risk. So it's a good idea not to decide on your own to do something like making a risky investment.
Well, every investment has risk regardless what investment it is or even you think the profit is guaranteed because there's no such thing. If you invest, be prepared because you can't expect the outcome will be positive always and this is the reason why you should only invest the money that you can afford to lose.
That's why even investing is a wise thing to maximize your income it's still best to know the kind of investment that you'll be entering in and dont set your hopes high. Be wise and diversify if you can while saving some money for your future.