At the outset, let me say that at the level of the macro-economy, we urge our consumers to develop the discipline of saving. To move further forward, however, we would want these savers to eventually migrate into retail investors. This transforms the paradigm from protecting principal only (saving) to building capital (investing).
While it is understood that investments carry financial risks, it is also well appreciated that preparing for the uncertainties of the future cannot be fully addressed by protecting principal alone. It is likewise accepted that preparing for the future cannot be properly done without an organized approach.