Investing is the accumulation of some kind of asset in hopes of getting a future return from it, and is an integral source of income for many people. Investing can be carried out in many different, some of which have a low risk and return (term deposits) and some of which have a high risk and return (shares). The safest place to invest money is in a bank account. However, not everybody chooses to do this, but instead there are many people who are willing to accept a greater risk of losing money when they are investing. These `risky' investment options include investing in the share market, and the property market.

There are many various reasons why people opt for the riskier investment options of saving money. One reason is that, though bank accounts may be safe, it takes a long time to earn a reasonable return on...