<prompt> Human: About 2 years ago I got interested in making my money earn more money. I opened a range of high interest 3-5 currentsavings accounts and saved into them.Then I looked to investing and after much pondering and research I started moving money into the stock market over a number of funds and shares.To date, the stock market investments must have just about broken even. Capital value is at a loss but I have received a few dividends which probably breaks it even.My bank accounts are all providing constant interest and my capital is not at risk. So why bother investing when bank accounts provide much safer, and pretty much guaranteed return on investment?EDIT: In the UK we have got a number of 3-5 interest current accounts. Of course, they have limitations only up to x amount, or have to make at least 1 transfer a month but its not hard to sidestep. For someone my age with my amount of savings there are a good number of accounts around to get a regular 3-5 interest rate on most of your money.  <response>: If you are in the United States, bank account interest rates come no where near 3-5. There are a few niche accounts that may provide such a return, but they will always have some sort of strings attached most common being that the interest rate will be 0 on account balances exceeding some number, for example 10,000, so they wont pay 3 on amounts above 10,000.So, if you never invest in the market and leave all of your money in cash, you will find that your money becoming worth less and less as each year passes inflation, cost of goods and services rising over time.Now, you could still invest even though its not in the stock market for instance, buying real estate. But every investment comes with risk, and generally the lower the risk, the lower the returns. But for most people, investing in the stock market is easy as they will have 401ks and IRAs. 