If you are going to trade CFD instead of stocks then you need to understand the difference in risk. If you buy a good solid blue chip stock that pay dividends with money that you don't need and the price falls then it isn't necessarily a problem. You can just simply buy and hold for the long-term and collect more in dividend payments than you would have got in interest payments had you put the money in the bank. CFDs however, you can lose the lot. You actually have costs for holding the position over night and leverage can be a double edged sword. However if you are good at trading then you can make a fortune with CFDs, but only if you are an exceptional trader.