<prompt> Human: Hi guys i see this subreddit is mainly for people from US. However I am not from US, I am from Pakistan. I have 0 savings I am 28 years old and am paid about 82k pkr monthly roughly 820USD this is a lot of money in Pakistan where i can be considered in Upper middle class. I am married and have no kids but we plan on having 2 as soon as possible. Due to a strong family traditions that we have in our country we have our own house and 2 cars so we dont really need to save money for anything big in our life. However all the money that I earn goes into household expenses. I have enough money right now but I may not have enough of it once my kids start going to colleges or universities or when they decide to get married. What i want to do is to start saving. Now there are two options available to me right now i can start saving monthly into a fixed interest rate account which historically has about 8-10 profit. Or i can go and invest into blue chip stocks. Paksitani stock market gave a profit of about 667 from 1997 to 2010. This year though it is roughly at 10 because of the crash in Beijing Stock Market.i would roughly be saving 5k pkr and depositing them into an account which will be managed by my bank not by me. They take a 2.5 services charges for stock fund management. I have 0 background into financing etc and cant decide which one is better. I am also afraid that the stock market might crash like the Beijing one and I may lose a lot of my money. However the investment I want to make will be long term and I will be in no hurry to withdraw any money may be 18 to 20 years long.Edit 1: Inflation rate in Pakistan is 44.5Edit 2: From the replies i have seen i have come to see I am at the wrong place. People dont have idea of the cultural norms in Pakistan. Raising up children does not cost that much in Pakistan specially in joint family systems. My main concern was should i go with a fixed profit for my long term investments or should I go for investment into stock market as long term? Which a lot of people dont tend to address. Edit 3: I am thankful for all the replies and it has brought to my attention that I should start saving but why cant i put my savings into some investment? And if I do what kind of investments should it be fixed rate of return or stock management firm?Edit 4: Thank you for all the concern and advice. I have decided to go for both of the options.Assistant: Save cash incase you lose your job, your car dies, youyour wifeyour future kid needs medical care, etc. You can invest later once you have savings as a cushion.Human: I cannot lose my job its secure the only way for me to lose is to retire. Which i can do after 15 more years of service.  <response>: Losing your job is only one of the many reasons given for why youd want to save some cash. There are an uncountable number of reasons why you might end up needing cash on hand, so dont focus too much on why you wouldnt need it for one in particular. 