The financial system has an important facilitating role to play in the economy by stimulating the real economy. Once the financial sector grows too large, as it currently has, speculation begins to dominate the economy and the real economy becomes unstable. Speculation does not create new wealth, it only redistributes it. Today, an estimated 95% of investments are speculative—only five percent are invested in the real economy. The speculative economy must therefore be curtailed and redirected into an investment economy, so that real money is invested in producing goods and services which create wealth in the real economy.