{random advice from the internet}<p>Savings is about saving money. The point is to have the money that was saved later. 0.5% return is better than losing money. Always.<p>One way to look at it is saving $1000 a month in something that has a 50% chance of a 15% return [1] is really hard. Saving $1500 instead of $1000 a month is a lot easier and is likely to produce better returns.<p>Another way to look at it is that if the goal is to figure out a way to use your money to get other people&#x27;s money, you&#x27;re up against people trying to figure out how to use their money to get other people&#x27;s money. Those people do it all day long every working day and have enough chips to buy any pot you&#x27;re in. Remember that the goal is to have money later. It&#x27;s not to optimize returns this year. It&#x27;s not about returns at all really. It&#x27;s not a competition.<p>If there&#x27;s a binary model, it&#x27;s high frequency trading at one pole and dumb luck at the other. A great way to achieve wealth is to select rich parents. A great way to achieve a small fortune is to start with a large one and go up against high frequency traders.<p>Good luck.