When you invest money, it implies that you want to make an increment to your capital. Investing is more prone to risks than saving. But more the risk, more the gain, as the principle of Economics says. It also guards the investor against the impact of inflation which are more prominent when the money is invested in less risky saving schemes. Also, if you invest wisely, you can do away with the risks involved in investing. By investing in diversified portfolios, a balance can be maintained between RISK and GAIN.