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Saving money means a lot of things to a lot of people.

Saving money can be marking smart fiscal decisions, delaying gratification, getting financial services, saving taxes, and saving money in financial assets or placing money into retirement strategies.

For our purposes we define savers as someone unwilling to take risk with their money and investors who are willing to take risk in exchange for potential higher returns on their money.

Savors put money in risk free financial assets such as certificates of deposits, fixed annuities, and some money market funds. Savors are looking for a safety and something that will keep up with inflation to maintain their spending power.

Investors put money away for future use. Obviously you would expect the investment to at a minimum keep pace with inflation but also to be rewarded for assuming risk.  The universe of investments is enormous. Using a financial professional with credentials and experience can make all the difference between success and failure. A financial advisor can help identify appropriate investments for you.