If you really think about it, there are a remarkable number of life's situations which are inherently risky. Nearly everything someone does is some form of gambling. Even with such mundane act of getting up and going to work, increases one's probability of being killed in a transportation accident. In face of today and everything you know about investing, whether it be in business, lottery an asset class (stocks, bonds, real-estate, cash and commodities), or index fund, even in its most basic element, it really is nothing more than "betting" that someday tomorrow will probably be better with pleasant expected returns on investment; or perhaps not. There is just one big risk you should avoid and that is the risk of doing nothing and not taking your chance.

Come to look-at it in face value, investing in any money market really is, legalized gambling, per se.