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?

MassMutual Select TRP Retirement Bal I (MMBVX)

Nasdaq - Nasdaq Delayed price. Currency in USD

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14.12

+0.01

(+0.07%)

At close: 08:00PM EDT

Min. initial investment0

Min. initial investment, IRAN/A

Min. initial investment, AIPN/A

Min. subsequent investment0

Min. subsequent investment, IRAN/A

Min. subsequent investment, AIPN/A

H Beck Inc.