Money in the bank is at risk due to inflation and pathetic interest. Individual investments in stock are at risk through stock price volatility, competition, r

Money in the bank is at risk due to inflation and pathetic interest. Individual investments in stock are at risk through stock price volatility, competition, regulation/taxes, to name a few. Broad investments diversified across asset class, and currency, appropriately hedged, as an overall plan, are quite resilient to risk.