The reason many people shy away from investments and rather choose the traditional route of savings in the bank, is because they fear the risk factor. We are assured that in a savings account our money won’t go ‘down’ – and when things look rosy we’ll get a bit of interest indicating growth. However, what we don’t realise is that inflation and other factors may simply keep our money running on the spot. It might look as though numbers have increased but the value has in fact diminished. Investment with all its attendant risks is ultimately the more advantageous route.