How to choose between saving and investing your money

Does it make sense to compare long term averages of investments with the peak of savings rates?

NASDAQ OMX Bio/Clean Fuels Tota (^GRNBIOX)

Nasdaq GIDS - Nasdaq GIDS Real-time price. Currency in USD

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1,020.63

-26.47

(-2.53%)

At close: 05:43AM EDT