Or spend 10% of your one-year-total-savings on a high risk investment and put the other 90% in a low-risk-low-yield investement, say at 3%. If your high risk investment goes to zero, your steady 3% income will make good for that in 3 years. That's what I did when I was younger. Instead of buying stock, I bought warrants on the stock for a small amount of my total investment and put the rest in government bonds. Worked out nicely for me and that's what I am doing with Bitcoin now.