Some one told me stimulate the accumulated wealth well,otherwise it will go low at faster speed than it came?

One of my knowledgable mentor advised me that the savings has to be done in a bettrway in Govt firms like Nationalised banks post offices thankeeping it locked inbetween children and trusted friends and in certain phisical forms like buying and storing gold, &US dollers eic.For this his one word was stimulate.What does it mean.Does he mean put the locked money to grow by lending it for normal interest or for abnormal interest rates openly.