And that's why you should invest in low-fee index funds. You can't beat the market, so don't try. Just dump your money into a few good funds and ignore it for 60 years.

You have to do something with your money. If you just stash it into a savings account you will literally lose money to inflation. A good mix of index funds (or target retirement-type funds) are probably the "safest" long-term savings you can do with your money.

You probably won't become a millionaire, but you probably won't be destitute either.