Your brick and mortar and online savings accounts are your savings account up to the maximum insurable amount. Your company stock is an investment that is part

Your brick and mortar and online savings accounts are your savings account up to the maximum insurable amount. Your company stock is an investment that is part of your compensation. Your retirement account has (mostly) investments, at least in the US. Your brokerage account has investments investments. Any investment advisor will tell you that all investments have risk. There's an upside, and there's a downside to every stock. Anyone who remembers the Dot-com bust will remember that.