This concept is wrong because anyone with some savings can invest in the Stock Market. So, if you are comfortable researching and managing your investments, you can open an account with a brokerage firm. They will provide you with info and tools to make informed decisions.  However, if you are a beginner and have no time to follow upon on your investments, you can consider mutual funds managed by licensed investment manager. If you have significant assets, you can consider portfolio management companies which invests on your behalf.