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求翻译:Some people think it is safe by saving money in the bank

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求翻译:Some people think it is safe by saving money in the bank. And some people think it is better to use the money to invest. I think if I have a lot of money, I will save half in the bank and then use another half to invest. Why? All us know invest is with risk. We can earn more money and we can lose money as well. We have to have enough money to keep our life first then to invest. Even if we lose money, we still have money to live in. This is my opinion. That's all.
一些人认为把钱存在银行是最安全的,而一些人认为更好的方式是用来投资.如果我有一大笔钱,我会拿一半来存银行,另一半去投资.为什么这么做呢?众所周知(原文用的us,应该是we),投资意味着风险,它可能带来利润也可能带来损失.相比投资来说,我们不得不为生活留好足够的钱.那样的话就算亏损,我们仍然不会破产.以上是我的观点,
PS:初中水平的作文吧?