not saving, but investment! investment! investment!!!investment != buying fund products! There are a lot more of that! invest in your own knowlege capital, go to learn something good invest in some antiques, buy some coins , stamps and keep for your children invest in some company, hold its shares until 10 years later invest in fixed income, just to have some low risk stuff inyour portfolio Nothing to do with buying funds, but you can make wise decision by yourself.