Investing involves different levels of risk tolerance. There are different types of investments for varying levels of risk. For example, if people were very conservative and prefer as little risk as possible, they may save their money in a bank or credit union. If people were willing to be aggressive and tolerate risk, they may invest in individual stocks. The key to investing is knowing your risk tolerance, diversifying your investments (i.e., not having all your money in one specific investment), and allowing your money to collect compound interest over a long period of time.