Everyone admire a safe and secure life. People often do saving to stay out of debt and keep their future risk free. You understand it well that you have to keep your expenses under control, save as much as you can from your salary, and stay out of debt. If you stick to these rules for long enough you will end up with a huge amount in your bank account. But now you must be thinking, what to do with this much amount?

If you will keep your money in a bank, the money is safe and available for you all the time but it won't earn much as today's bank interest rates. Your balance will increase but the amount of interest will remain small. You would think about moving the funds to some investment policies.

The answer lies in your question, for what purpose you are saving your money? You may be saving for your retirement, emergency fund or personal savings. Simply you need an account to keep your money safe until you need it or it can add little amount of interest in your account too. You can have other financial needs too like a long medical bill, damage to your home from natural calamity, vacation, wedding and more.

For such investments, your main focus should be on the following:

Make sure the money stays safe

Stocks can swing up and down, there is no certainty as market can fluctuate or take a big dive. For the long-term planning, it can be handled but if you need money on the short-term basis, stocks are poor choice. Suppose you are saving up to buy a house, but due to market fluctuation you won't be able to pay down payment, and you won't have time to recover your account. So, a safe investment for your savings is good and it will protect you from short-term up and downs of the market.

Keep earning a small return

When it comes to earning from the investment, keep one thing in mind, "the lower the return, as lower the risk". If you will be focused on keeping your money safe the returns will also be small.

Saving in liquid form

Try to keep your money in liquid. Because when you need money it will be available to you within hours or a week. But if you keep your money as house, land and art collection. If you need cash you have to sell your assets and It may take a week, months or years to get in cash. Before investments keep such things in mind.

Don't leave it too accessible

Don't keep your saving in an everyday account, you will easily splurge out in eating and enjoyments. Put your savings in saving account or market funds so that you couldn't access it easily.

Such ideas will keep you aware about investing your money and lower the risk of investments.