Tm51 you are correct. The investment in stocks might be a little risky at times especially for a wage earner.
One should never commit more to that sort of investment than one can live without if a down turn happens though.
Short and or long term high risk ventures are only to be thought of for persons who can afford to loose.
The other types of savings need to be held in a more liquid form in case of a dire emergency and even then those can be wiped out when least expected.

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