With your savings account, you can keep the amount of money in your account or find ways to increase that savings. If you put money in your account, the money will be almost intact, but it is safe and you can withdraw as soon as you need it. If you extract a portion of the savings for your investment, you can lose it, but with the opportunity to increase your money. I often choose to take 30% of the savings to invest, both to create opportunities for themselves, as well as provide backup for uncertain situation.