Meaning of the word "if you do not speculate, you cannot accumulate" in English

What does "if you do not speculate, you cannot accumulate" mean in English? Explore the meaning, pronunciation, and specific usage of this word with Lingoland.

if you do not speculate, you cannot accumulate

US /ɪf ju du nɑt ˈspɛkjəˌleɪt, ju ˈkænɑt əˈkjumjəˌleɪt/
UK /ɪf ju duː nɒt ˈspɛkjʊleɪt, juː ˈkænɒt əˈkjuːmjʊleɪt/
"if you do not speculate, you cannot accumulate" picture

Idiom

used to say that you must take risks in order to make a profit or achieve success

Example:
He decided to invest his savings in the new startup, believing that if you do not speculate, you cannot accumulate.
I know the stock market is risky, but if you do not speculate, you cannot accumulate.