It is the most unsuitable description of the investment? At the expense of consumption of current investment is to get greater benefit in the future. Speculation is expected benefits even if it increases the risk of sheep (+), 0, well can have the value of the (-). Investment and speculation are legal and social or culturally there is no problem at all. Speculation and gambling is done to get more gratifying in the future. Gambling is well and has a value of (-) is the expected return increases the risk.