Why Do We Invest At All? One of the most propelling reasons to invest is to make our assets work for us while they may come a time when we may get no work at all. So instead of locking money in the wardrobe or leaving it in the pocket it is wiser to invest not only to generate more money but to increase its value by earning interests on it or by buying and selling the assets. Whether its mutual funds, bonds, stocks, gold, real-estate or small businesses the basic motto remains the same to make investments to generate more capital and to augment the already existing cash reserves. Considering good investment options is the greatest necessity in todaysâ€™s world where change is the buzzword. So let your money grow and prepare for a wonderful retirement. However, the people of America have faced severe monetary challenges in the recent past with recession gripping the country like a cobweb and more people have sought debt settlement to get rid of that dead end situation. Therefore to avoid the painstaking situation of debts it is in our best interest to invest your money for which the rewards are umpteen. However there are necessary pitfalls to avoid while investing. Especially for investments related to stock market there is no guarantee for sure returns, but try to play safe with your money as there are too many of these risks and the trick is to take calculated risks. There are many a path for investing your hard earned bucks but you need to have proper education and do intensive research to make your money roll in your favor. Do not worry its going to be a great start for you!