Depends. You can invest low risk (yielding say only 5% yearly profit). If a big company which is supposedly stable falls (such as Morgan Stanley) you may get lo

Depends. You can invest low risk (yielding say only 5% yearly profit). If a big company which is supposedly stable falls (such as Morgan Stanley) you may get lose a little but since you spread enough not so much. You get income than the interest from your bank this way. While in EU you get guaranteed 100.000 EUR when a bank collapses, but if shit really hits the fan (crisis, many companies collapsing, EUR or USD losing a lot of value) you are toasted regardless.