<prompt> Human: Earlier this week, I went to my local bank in Malaysia, if that helps asking about my options for investment and at some point I made clear my intentions with money topic title.The clerk was somewhat surprised by that, and straight up said that its an unwise decision and that I should gain assets and invest in stuff with guaranteed returns real estate and gold, according to the clerk.Now, Ive always been under the impression that investing whatever profits you have by taking calculated risks are a good thing, but now Im just doubting myself.Thoughts?  <response>: No disrespect towards bank clerks, but their job is to carry out what is asked of them, not give advice. At best they are familiar with sales pitches and will try to push you towards what is best for the bank, but not necessarily for you. Maybe thats why he recommends real estate interest from mortgage for the bank and gold renting a safe at the bank. Neither of those also have guaranteed returns.Reinvesting dividends is definitely a good idea. 