Saving money or investing doesn't matter when you don't know what to do next. First of all you should make a goal for yourself and then would be easy to choose.
Exactly. Making goals first, will allow you to plan your investments or savings for the future. Depending on your purpose or needs, it will be the decision you'll take. Whenever it is either saving or investing your money, if you take good care of your capital, you'll be able to avoid bankruptcy in the long term.
As of now, there are many options available to multiply your capital over the short or long term. Of course, there will always be a risk, but sometimes it is better to take those risks to achieve massive returns later. Nevertheless, it would be up to you to make a research, consult experts, and safeguard your money for years to come. Just my opinion
