So, you’ve got some spare cash and you want to invest it for the long-term. Financial markets, and mostly the stock market, are the first place you look, right?
With its booms and busts you can make money, but you can lose money.
For some, it’s so daunting that they don’t bother, leaving the money under the mattress/in savings account. That might be the right answer if you’re not comfortable taking risks.