The book titled "Benefits and Risks of Investment of Money" authored by Shyam Nuwan Ganewatte is an appropriate guideline for readers who really need proper awareness on investing money before they do so. Shyam is a popular journalist who has been contributing many effective articles to newspapers for a long period of time.

He has the ability to writing and submitting facts and figures in relation to deep economic matters in lucid and simple language. A special characteristic in his style of writing is that he delves deep into a subject who he wishes to write on and compiles all the information and then writes it in a moderate perspective to ensure that the readers are not tired of reading his articles.

Investments should be done cautiously after estimating and analyzing the risks of it. The knowledge of most of the people on investment is fairly less; this was much proved by the amount of grievances that people had made during the recent past in regard to their investments and money lost. In such instances, it has become a practice of our people to curse the government, Central Bank and those who had influenced and pushed them to invest in certain financial institutions. They realized the blunders that they had committed only after they had undergone the misery; they were ignorant and did not carefully check carefully on the security of investing and the main root causes for occurring disasters in investment of money.

As such the basic lessons given on investment through these articles in this book are of immense value.

The book consists of 4 main segments. In the first part the readers have been informed of financial institutions which had obtained permission from the Central Bank to function as reputed financial institutions. This section is dedicated to raise awareness of readers on collapse of banking sector and rebuilding of such institutions and the lessons that should be aware of such experience in the history of finance in this country. It also mannerly describes as to how the authorities have taken remedial action to safeguard the banks that had undergone severe financial crisis. It clearly explains on the importance of protecting banks and maintaining and rebuilding trust in the banking sector. The writer explains that even well maintained banks could collapse when the trust in the banks unexpectedly decline.

The second part of this book is set apart to discuss on financial organizations that are functioning without the permission of the Central Bank. Through this section the writer is attempting to educate and dissuade people who are anticipating in investing in such financial institutions. If anybody who reads this book and is still interested in investing in such financial institutions, then the mentality of such persons needs to be undergo severe mental scrutiny.

The third section is trying to draw the attention of the readers and educating them on another mishap and into which people may get addicted. It is the pyramid system which is a dangerous catastrophe spread all over the world. Many Sri Lankans got trapped into the pyramid system and lost their wealth; they then pleaded with the government and the Central Bank requesting help for return of their money. At the outset when this system spread in the country Shyam Ganewatte was a leading journalist who made a voice against the system through his literature. On some instances, there were threats against his life. But he fearlessly worked to fulfill his responsibility to people. The result of his attempt was a gradual decay of interest in the system which had been rapidly spreading across the country. Even today he is engaged in monitoring on any possibility of this system rising again and keeping the authorities and the general public informed.

The fourth section is devoted to enlightening the public about the places that public may refer to on safe investments. This section undoubtedly would be very useful to readers.