Investing always comes with some risk, and it’s important to read up on the ins and outs of your investment plans before going in head first. Still, with the current state of inflation and interest rates in the Netherlands, storing your cash in a savings account means that you could be losing money.  So for most people, investing long-term is a good way of putting the extra money (even if it’s just pocket change) away, which might actually earn you money — not the other way around.