(You see the word savings in here?)
investment |in?ves(t)m?nt| noun 1 the action or process of investing money for profit or material result : a debate over private investment in road-building | a total investment of $50,000. • a thing that is worth buying because it may be profitable or useful in the future : a used car is rarely a good investment. • an act of devoting time, effort, or energy to a particular undertaking with the expectation of a worthwhile result : the time spent in attending a one-day seminar is an investment in our professional futures.
I see that you have managed to disenfranchise all the people saving for retirement in their 401ks by mischaracterizing them as NOT saving at all.