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ello, Tom. Nice to meet you. Please have a seat. I read your email. You said you've saved a bit of money and want to know how to invest it, right?

Yes, Edward. Thank you for your time. I've been working in the same company for over 10 years. It's not a high-paying job, but it's stable. Every month I save about 10% of my salary. It was hard, believe me. But I managed to save around $5,000.

That's amazing, Tom. Many people don't even save $500. The fact that you saved $5,000 shows you're serious about your future and responsible.

Thanks. But now I'm stuck. That money is just sitting in my bank account. I don't want to waste it, but I don't want to take big risks either. That's why I came to you. I want to learn. I want to learn how to invest my money. Of course. Let's talk about your options. First, I'll explain something simple.

Every investment has a level of risk. There are **low-risk**, **medium-risk**, and **high-risk investments**. The higher the risk, the higher the possible return, but also the higher the chance to lose money. So, we need to find the right balance for you.

That makes sense. I prefer something safe, but I'm also curious to hear all the options.