Risk-taking is a necessary aspect of the investing process. Investments are not for you if you aren't averse to accepting risks. Even investments in savings accounts or real estate, which are often seen as safe and guaranteed, carry inherent risks. However, without taking personal risks, it is impossible to advance financially. You can have a secure life by spending all of your money on short-term pleasures, but only investments can give your life long-term sustainability and fulfillment. Learn how to manage the possibility of taking risks without endangering your emotional well-being, and find intelligent ways to invest your money to reduce the likelihood of losses. I suppose this is the only option if you want to prosper, build up your wealth, and eventually have access to more comfort and a higher standard of living.