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Saving and investing are treated as synonyms by typical banks and Financial Planners.

They are distinctly different wealth-building strategies.

On the one hand, saving is primarily used to “preserve” capital. 
On the other hand, the purpose of investing is to “grow” your capital.

The key characteristics of SAVING are:

  • Preservation
  • Guarantees
  • Protection
  • Liquidity
  • Distinction of purpose


The key characteristics of INVESTING are:

  • Growth
  • Build wealth
  • Encounters risk
  • Limited liquidity

You do not invest your savings – this is an oxymoron. 

Doing so would immediately convert your “savings” to an “investment”. The same money cannot exist in both places.

However, it is possible to have some investment-like characteristics in a very particular savings vehicle that provides the best of both worlds.

We call it a Vault.

  1. A Vault AIS™ “Vault” builds wealth but also has: Guarantees (near zero risk)
  2. Protection
  3. Liquidity
  4. Typically pays dividends.
  5. And preserves the distinction of purpose.

I’ve written a financial article called “Investing vs. Saving” where I dissect this in more detail.  You can download a PDF version of the article here.