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The traditional norms made us believe that savings are a safe option to store your wealth.
But is it true now?
With inflation, we all know that the prices of the wealth we have kept in our savings account will decrease. What is the use of saving when ultimately we are not even able to enjoy what we have been saving for years?
The smarter option?
Investment! Investment is not gambling if done rightly. Very often we see people not putting too much effort into learning and jumping into FOMO. They don’t have enough guidance that will help them to invest better.

Well for those investors who jump in because of FOMO, sooner or later they will know what investment is all about. How many newbies who joined in 2017, wherein all signs of a bubble is also looming, but still they go inside got burned in early 2018, then bitch around in this community saying that they have lost so much money.

So that is a hard and expensive lessons for them. Good thing though, if they're learn from their mistakes,  I'm sure they won't repeat it, and this time, they could at least break-even if the price goes on another vertical.

You made this post https://bitcointalk.org/index.php?topic=5159440.msg51633662#msg51633662 on bitcoin discussion and if you did not move it to this section then the moderators did so making another thread in like manner to your previous thread is instigating unwanted spamming

in all the time savings is more better than the investment because we don't have any expenses for the savings it safe in in a same place for long time but if we put the saving Sashi investment then it may be give the extra profit and also the possibility of losing your money is also available that's why if you want to be a comfortable zone then saving sis suitable for everyone

I think both are same but how people will manage the investment and savings in a same direction because the savings also been an investment in sometimes the investment is also a savings so that the the goal is same for everyone.

Investment gives much money more than savings does. But it is good to invest wisely, by choosing the right coin, right time to invest and the right amount of money. Investment involves great risks so you need to invest only money that you can afford to lose.

Savings is not something that could guarantee it will keep the value or even increase it. That is why because of volatility isn't the best thing to do to save in cryptocurrencies or least not the entire savings. But the same could happen with fiat funds, especially in different pension funds so even to save carries certain risk.
I think that the key is to find the right balance between saving and investing and minimise the risk. But that requests a lot of analysis and watching the trends so sometimes it's better to leave that to experts.

What you said about the inflation part is true, but that's for a very long term. Your value will decrease if you keep it for saving due to inflation but that will take ages. As soon as people see that the price of things are rising, they will eventually start to spend from their savings. That's a natural phenomena, when inflation starts to take place, saving starts to reduce. People starts to withdraw and invest due to more expected future profit. Investment does have its risks too. Make wrong investment and you will lose everything.

I still trust bank savings at all costs. Its such that, i have different funds to save and to invest thats why i could maintain both. Sometimes, i get some portion of my investments transferred to banks for savings and i dont get any regret doing it. You should also have those funds in you though for emergency purposes.

It depends on the investment. There are lots of high risk investments where you can lose most of your capital, especially in the crypto space.


It's good to have a cushion in the bank, but you should probably be your own bank too. Bitcoins, gold, cash. You never know when when your bank will fail. Bail-ins may be on the horizon.

Savings= Future use/ Emergencies etc. but also can be used on investment. Savings -> investment -> increased savings.Why not consider this option?

Well you had a point on that but becareful  you need to also to save for your money for  safety incase faile to succeed in the investment. As you said have risk and possible to get the lose money if this happen you have and saving to get start again for the next investment.

This is the scenario on how you manage your money but this two are same for long term run you can choose bank for saving your money but its also a small percentage then if you are risk taken you can go investment for Bitcoin or other trusted cryptocurrency take note invest only at your risk.

It is up to your personal preferences when it comes to your money. Savings in a bank will ensure you that you have that money even after few years of being stagnant. Interest is very very small in banks so don't expect that you will get something at the end unless you place it in a time deposit or other financial options that will earn more money as compared to traditional savings account. Whereas, investing your money to other projects will have the risk of losing all of it. But if you invest it on tangible projects that you know very well and you know it will do good in the market, then, your investments might get profit after certain period of time. Crypto investments is a very high risk one so you might want to look for other options other than crypto.

Its good to consider both of these, we really have to save as the emergency funds and invest as your future funds. This must be the practice of every investors, they must do save for some liquidity purposes so that you can’t use your money on investment if something happen. Its also good to have savings, investments and other business it can help you to earn more.

It's true that it should be, investing and saving are just as important. And it's better to divide both of them where to invest and some to save as an emergency fund. All people who invest must have savings too, there is no way they are not saving because they consider saving and investing have an important role.

Savings and investment are not different from each other if you do not want to. When you earn your salary you can put some of it to stocks and call it your savings as well. Not all savings are like putting the money in bank in some account and let it be on some bank interest, that is just one option. Buying crypto is savings as well, buying gold is savings as well.

Savings refer to the act where you do not spend all your money you earned and putting some of it aside, the investment is that "aside" part where you put that savings into something that would make it go even higher while you are still saving. So, putting 100 bucks per month into bitcoin is investment AND savings, you save 100 dollars per month from your pay check and that is called savings and you put 100 bucks into bitcoin and that is called investment.

Savings are important because there are things that we cannot acquire immediately that you will have to save for it. Other than that, savings are there in case there are emergencies that arise. Apart from those, I would rather have my extra money invested in safe and profitable opportunities. Crypto, gold, real estate, stocks, etc are great investment choices.

Even if the money is put in the bank, the forces of economics like inflation affects the economy and in turn , the money kept won't worth its original value because it can only purchase lesser. But if such money was put into investment as liquidity, it keeps interacting with the economy positively and its value keeps raising.

Sure, investment is better for me. Is worth it to take the risk.

This largely depends on the amount of savings or investment every person is making. Someone making $1 mil a year could easily set aside half of it in "savings" while from someone that makes $500 mil a year he could simply divert 25% of his yearly income into some new company, startup or asset like a crypto and grow along with it. The main difference I think would be that savings is made on relatively stable assets and investments tend to be more risky.

With that said, you can always have both, just like any careful investment strategy you should cover both low and high risk options.

Gold is the safest option

If you actually want to store your wealth. Investment, in the sense you mean it (as you obviously refer to investing in things like Bitcoin), is for multiplying your wealth, not saving it. Long story short, these are two very different approaches (the first is about minimizing risks, while the second about maximizing profits) and confusing them will likely lead to hasty, arbitrary and potentially dangerous financial and investment decisions

Savings will be ok inn some countries if the inflation rate is lower than the interests rates. More sophisticated forms such as fixed deposits or CD, t-bills are forms of it.For most parts they are very safe form of investment. On the other hand, more aggressive investments are far more rewarding and come with higher risk levels.

if only investing in gold, the profits that you will get are very long, indeed all investment places have a very high risk, such as cryptocurrency also has a very high risk, but the benefits you get will be very fast.

in cryptocurrency like bitcoin can also be used for the long term and become a profitable choice.

Savings refer to the amount that you will save for the specific time or purpose. Investment is just like saving your money but  for the future development  Investment is better than savings because you will gain more profits in investing your money than saving it in a bank. In fact, you just not let your money sleep but you will let the bank use your money. Investing coins are not the only way to say you are investing, but in a sense that you will gain someday, that is what we called investment. Knowledge is an investment. It cannot be bought but it can be learned.

Well, investment for me is much more better than savings in my opinion, our capital if We put it into investment the money has a high chances to make it double due to its rolling. Unlike in savings the fund or capital is sleeping not taking any movement. Therefore, if we apply the form of investment there is a big chance for us to gain big in the future and also we can make do savings too.

Investments and savings are almost a like when we talk about cryptocurrency,because HODLING is a form of investments and also considered as Savings since you are saving crypto assets for the future.and you can enjoy life without spending your savings because you can allot some amounts to justify your needs for happiness without using your savings

Both are good storage but there are many differences, and investment is far better than savings because it is possible that investment in storage will be added automatically there will be an increase invested and profitable.
saving is fixed storage and there are no additions automatically and will increase if added by the owner.

I was 100% into saving but this didn't make me earn more.
My friend was keep investing and now he is so far ahead of me. Actually, he is already 10x ahead. I believe that it is best to invest your money than saving them.

Banks give some interest on special accounts. That kind of interest is still not enough though and could be affected by inflation.

Investment is definitely your best bet which is unfortunately risky. It's better investing in the less risky things like the best stocks, real estate, precious metals etc

I think bitcoin deflationary model is fantastic.  Unfortunately there is no guarantee that price will keep going up long-term.  But this uncertainty can be fixed and will likely make bitcoin way more popular.

You make it sound like you and your friends are competing with each other for who ends up with the best returns. I'm not sure what your friend invested in, but 10x your money seems quite a risky move. It could also end with a loss.

The thing with most people here is that they have a bias towards Bitcoin (also applies to me), which is understandable but when asking what the best is to do with your money know that the answers you'll be getting are very one-sided.

Overall, I think everything is better than being conservative or risk averse and stick to saving for peanuts interest rates. We're already at a stage where some banks work with negative interest rates. It's a guaranteed way to lose money.

Question is what kind of "saving" you have in mind. Some "savings" can be "investments" at the same time, for example, if you chose to "save" in bitcoins. Savings like investments are risky. If you choose some fiat currency you are facing with inflation, your saving will lose value over time, with the gold situation is a bit different, price rise slowly so your saving can have a higher value over time.
My opinion is clear, I don`t like to have money just sitting, doing nothing. Do something with it, so it can work for you, having more investments, savings will make your financial future much safer and more promising.

Recently, I have been considering investments in those Coins, which not only bring me profit through long-term storage, but also bring dividends for freezing such coins or blocking them on their resources.  On this issue, I have repeatedly studied the information, and I see that such projects are very relevant, such as 888 token.

I prefer doing both, I invest fiat in cryptocurrencies, and I save them (I mean holding). There are so many good and promising coins which have good prices like BTC and ETH for example. I believe holding such coins is the best way to make a good earning in the long run.

Investments are better because they are aimed at making a profit. We can say that this is the same saving money, but with a profit. However, there are risks in investments too.

Savings can always melt, especially if they are used very often, and if you make a smart contribution to bring in passive income, then it is much better.  It seems to me that you need to choose the option when you can get a steady income.

Investment is the best option if you wish to earn a profit in the future while holding. Compared to saving, you can't earn money from letting your money into sleep. But of course, you have to first know the risk of investing before you actually do it because many have tried but few were succeeded.

If you are rich and you want to save it you still rich, but investment can make you richer and if you are ordinary people you can earn money but you need to search about the investment that is good your money like investing in altcoins and the bitcoin which is less risk than the other investment. Both savings and investment needed to do.

I don't see for bitcoin to be less riskier than other investment.When it comes to potential profits then bitcoin would give it but doesn't mean that it do have less
risk than on other investment.People do need to save and its up to them if they would plan to invest for having more money but well it always tied up with the chance on losing
them than on earning so its a matter of choice.

The risk factor when someone choose a saving for his money is inflation, as you may know the price stuff will never same per years even when we come to new year the price stuff will be increase in price whilst your money ramaining same in value. Gold and land are the best safe to make a choose for investment place, I never heard the price of gold down drastically in a few hours or even in a few days. Its price is so stable, you can use gold for an investment place although you sell it one day or five day you bought it because you need money for something that you not guessed. Saving money in bank or another place is an old way, the revolution has been changing you need change your mind you to the new system.

Yes we know how it works! fiat is very vulnerable to inflation, especially if you are in a poor country, saving fiat is not a good idea, the cost of living will be more expensive, the cost of goods will be more expensive while your fiat money will remain same, I prefer investment because it is safer for your value money

Savings is okay but investment is better. As far as I know, investment nowadays is very popular. If we just know how, when and what to invest we can move forward in our life. People are choosing investments now rather than savings. We can take a risk to invest and it will give us the benefits we are aiming to. Crypto investments for example, if we know what coin we should invest and when is the time to buy, we can gain more profits from it. We can actually take advantage of the volatility of the crypto market.

investing is good i did a lot in stock market and as brought a good profits also now i have made divided investments in both crypto and stocks

Both are necessary, if you like to have a good life in the future in terms of financial status.
Saving alone would not help you to become successful, unless you are having a job with a very nice salary, but only few have that opportunity and people changes their lifestyle as well based on the amount they are making, but if you will be able to save and invest, that will make you a discipline man and you'll become more futuristic.

Savings are for those poor and middle class people only. If you want to become rich, let the money work for you.

When I was a kid, many are saying that saving money is good for the future but as I see how the economy works I don't think that saving is good right now. Inflation is slowly increasing and the buying power of our money is slowly increasing.

I think between the 2, investing is way better than saving and can give you more profit in long run.

The funds should be doing something - that's for sure. I know that there are a lot of different stupid books and guides from various business trainers with silly pieces of advice on that matter. Despite that let your own money be spent on smth profitable even if not in the crypto.

if i look at my investments over 4 years time i would have made alot more money if i did just hodl instead of doing some margin trading here and there , the crypto market is to volotile to make margin bets, u gonna earn alot but lose alot with the swings.

between saving and investing both has their own advantages, depending on how we see it. if saving, you cannot get extra profit from the funds that you save while by investing the funds that you invest have the opportunity to gain multiple profit. the difference is the risk, if saving can be said without risk while investment is full of risks.

Savings is good because it is not risky because just stay in one place but it doesn't grow, meaning what you have saved is equal to what you can get. Investment on the other hand is risky so you have to be smart enough in choosing an investment, make sure you choose the right investment that can give you more profits. In investments your money grows over time without you even adding money to it.

I think investment is popular around here, we are mostly people who are using bitcoin as an investment and we are doing it fairly right because even the ones who are losing money is not going away and tries to make it back and considering bitcoin is a bull coin in the long run anyone who has enough interest to bitcoin could potentially always make money.

Yeah, you can get in during the bear run and lose money but if you do not stop there and keep reinvesting at lower stages as it goes down than you are going to average the entry point down and when bitcoin eventually goes up (it always does) you will profit from it. So, investment is cool, we know how to do it, we have the perfect coin for it and we have the perfect system for it, I would say investment wins this one.

I laughed on the thing you said that savings are just for poor and middle class? I don't think so yet even rich ones do need to save up.

It might be quite irrelevant or odd but its the reality.We might see they don't need money or to save but there are actually does do such thing.
Investment always a best choice imho.

I have been true victim of it. Our local currency is devalued day by day and all our savings gets lower by this. The inflation rate is way too high in our country. Since the local fiat depends upon the dollar rate, the more the dollar rate increase the less valuable the fiat currency becomes.

Everyone knows how profitable the stock market could be if you invest in the right kind of stocks. This is where Warren Buffett made his billions from. But I think you can only save good money when you make good money and in order to make good money, you have to invest money in some kind of asset that will make you the millionaire. Investment is the key to money.

saving does not need any knowledge but investing needs a lot if investing is done in order to escape from inflation without knowledge then all our savings can vanish ,

It's not necessary to invest all your savings, your savings has a lot of allocations, that could be for investing of course, emergencies, leisure, and other future plans, those are just examples but you can add based on your planning.

Saving does look safer than investing, because saving is no risk, while investing is risky but getting greater profits than saving. All depends on choice, if we have more money, we better dare to invest.

Saving isn't actually have no risk.Then what you do called about inflation?Its still a risk yet nothing on this world is free of risk.
The difference here is that investing is some sort of way on making even more money by risking out your savings (not all or just a portion)
because each of us do have emergency funds being kept but if you are an open minded person which do things about possibilities then
you would eventually thought on taking up the risk since you know on whats behind if it did succeed.

One needs and must do both to lead a successful, safe and secure life. I do savings plus investment because both are important and necessary part. I mostly do Forex/Crypto trading, and it’s sort of thing that can bring great rewards. I feel pretty comfortable with FreshForex, as they are awesome with having low spreads, high leverages and also bonuses which makes trading so very cool.

Most posts I have seen in this thread are rather one dimensional rather than thinking of the situation as a whole. To begin with investing is something that can't be done without you saving anything some folks call it the 50/30/20 (others have their own way of dividing their own earnings) rule where 50% goes to your necessities and the 30 percent goes to your wants the rest of it goes to your financial goals. You cannot really put all your money in to investing because that wouldn't be even called investing in the first place as you are just risking your entire future for it.

Well said, savings is the base for investing. There needs to be separate channel for savings and for investment. Savings will have a value that won't get changed over the days. With investment we get to experience an increase in the value with time, the same can be in the uptrend as well in the downturn. So, it is not possible to rely on investment all the time, but savings is a life saver, investment is to make the life more sophisticated.

There is always a way to minimize risk in investment.  A person can diversify wherein, his capital fund can be distributed to different investments.  For example, if a person have a 100% capital fund he can allocate a certain percentage for traditional business, stocks, and cryptocurrency investments.  That way if one does not perform well, there is a possibility that the other 2 are performing better.

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And as a whole, we should  do this two things, save to have a fund for investment and whenever we have a successful investment, we must save those profit to have a new venture of investment in the future.  This two things should go hand in hand.   The only problem is that people are not knowledgeable / fearful in venturing in an investment that is why they prefer to not touch their savings to avoid the risk of losing it.

As much as possible, we must secure future funds by doing both savings and investments. Not just pure investments.

Inflation will not happen overnight so you are overthinking too much about that possibility. Still, it's necessary to have savings while dealing and managing with our own investments along the way. We must have a purpose of regular and continuous accumulation whether fiat, crypto or any other assets as part of diversifying our own funds. We also need to secure backup funds if ever our certain investment went wrong.

Being struck by FOMO is a usual thing. Let others experienced it but be sure to learn from it. There's no such thing as success without problems along the way. Those who have experienced several difficulties along the way are the one who made it a success at the end.

if we find saving and also as investment it will be very good for us.no need to spend more money for our investment.take a look and insurance that give us return after several years.this is an example for smart saving.we have to put some our money here.

How is it possible that you put all your money into investment without having savings at all? there are situation whereby you will have cases of emergency and the only thing that would save you is saving, not investment, otherwise, you will end up begging people or borrowing loan which could cost you your investment, because it may stand as collateral.

One thing about those two is that you cannot leave one, and practice one, you have to practice both, and the only required thing is that you just learn to balance the equation. I agree with you that you don’t know what could happen in the future that will render your savings useless, which is your base for investment, but you can just work it out in 30:70 ratio, 30 for savings and could use the remaining 70 for a very reasonable investment.

Savings is not bad, inflation do happen, but that doesn't mean you shouldn't do savings. And by the way what is even hard in doing the both of them? One thing I know for sure is that you can be having savings in your bank or any savings company and still be an investor and these things don't even need much of your attention, you can just invest and that's it, relax and wait for your returns, you're not the one doing the business, you're just a saver and investor. So I will advise you to be doing the both of them. There are even some savings company that gives you up to 15% annual return, if you save with them… banks gives 4%. That's how it is in my country. I prefer to use those companies for savings, that way I get up to 13%-15%.

The salon has never been a wise decision in developing your property. because inflation is increasing every year and our job is to increase our revenue more than inflation many times.
We should really invest, but for financial markets that need a lot of knowledge, we should consider. Not everyone can understand and earn a lot of money in crypto and stock markets.
To be safer, we should invest in real estate. because the demand for real estate sales is increasing every day.

  I  believe that both saving and investment has an individual advantage and it all matter on how to manage it. Investing is sufficient for those who want to earn accumulate profits and willing to take tge risk. But we have to be wise and secure our money by saving appropriably.

True.

With the right choices into where you will land your money it could be profitable.
Saving is just for the banks and government to keep your money in idle. Better put it into something where someday it will have fruits.

I dont think a larger percentage of people in the world have that same kind of thinking. Just living is enough with a little money on the bank.

Saving is actually very good I must say, it aids one to curtail spending and keep up funds for future purposes,which is undoubtedly good.
But investment is totally better in one way or the other as its affords one the opportunity to increase his or her funds/wealth,when you save the money remains dormant, you retrieve that which you've actually saved, but when you invest there is a potential to gain more, to increase your wealth per se.

The only bad thing about investments is risk, it's a profit and loss kinda thing, and as if presents possible profit, it also presents losses, one can lose all in investments.
But as the saying goes:"life is all about taking risks".

I think there should be both. Savings and investments. Sometimes you need money urgently and if everything you have is in investments, you can easily lose a good opportunity because of this withdrawal.

Because the one who is controlling us will never want us that to know so people even getting huge salary are nkt having anything huge in guture because of inflation and saving them in banks.

Investor can be the more profitable than anyone in this world.

Yes but it is again not very easy to make the best investment decision. There are people who have to contact and consultancy agencies who change them money and guide them about which asset or coins to invest in. The best thing is when you understand the market, you would be able to figure out how to go about your investment and of course the investment makes you more money than what you could make by saving the money in a bank.

Investments that makes good money can generate sustainable profit so you could save it in your bank. That's a strong confidence when we see our asset generated huge profit, but if not you won't able to save money in order to grow your savings. Taking decisions on investing is quite difficult, that's why it's better to have stagnant money in your savings rather than risking on uncertain money making that has no favorable assurance.

savings are always useful in the future generation but investment make you future life for you but the investment is more riskier than the savings that's why whatsapp people don't try to invest in unknown investment but savings is always give the security for your future

It actually savings is really good and it is important but if we want to see more gain than just of saving, will investment have to play. But if we are afraid of risk, then savings will only be suited for us. Will investment isn't a place for you to engaged for.

For me, savings can be more profitable if we will use it for investments first but since this might be a risky decision, then we'll invest only on the amount we can afford to lose. But i think it would not give us pressures if we have our own funds for savings and separate for investments too. In this way, we will never afraid to take risks.

saving is good for collecting your wealth, but never forget inflation, of course you don't want to save money too long but precisely the value of your wealth continues to erode due to inflation, thats why other options to save are very important, namely with investment

I personally consider savings as conservative investments that are equal to inflation in the country of residence. Usually people deposit their fiat currencies in banks, but these banks pay low interest rates. On the other hand, if the government pursues the right financial policy, even long-term deposits are not risky. On the contrary, direct investments offer a higher interest, and those who buy shares of companies, mutual funds or crypto currencies can multiply their wealth, but such assets are more risky. That's why I prefer investments.

With current public awareness they would prefer to buy gold as savings because it reduces losses from inflation, I think those who save in the savings book or account are to save money in a short period of time before being used again. according to my assumption if you have a lot of money then saving is the chosen path, but if you have some more money then invest selected, considering that investment can generate profits for us so we dare to take the risks that exist in an investment.

Some people feel that saving at a bank is safer than investment, because the risk level is less. But I myself prefer investment, because investments for us get profits, develop assets, and can be used as future savings. If you want to invest better identify first the impact of good or bad for you.

well, I think this is an economic problem for everyone. people who have more money, of course, will choose investment without hesitation. however, if they do not have more money and do not want to take risks, saving is a good choice. at this time, I made several investments in several places, but I also still had some assets that I saved.

I think we have to invest better and when the profit is obtained, we can save. this is a good step and we can make it as a safeguard of our assets from the risk of loss and loss

You are right but considering that we are in the cryptocurrency industry
savings are already an equal investment like all the others. It is a long-term investment because it provides an increasing rate (not stable though).

It`s not a stable rate, which is a good thing for all of us, increasing rate can be very high, it was high until now, and that trend will continue, prices can go much higher in the future. After all with money it`s always good to do something, investing in crypto is the best possible investment in the past 10 years. It`s was risky for people who made that investment, it`s risky now, but it`s better to risk then to miss this lifetime opportunity.

It may have an increase but its rate is very low unlike when put in an investment,it has all the chances to increase your savings amount as long as it is also managed properly.Even if crypto investment is risky as it is,but if you want to achieve profits more than what your savings interest can give,then its not bad to try some of your funds put into an investment and see how it grows.

Well, everything comes with its own risk too, you could decide to put your money too in assets and the assets depreciate, you could put it in an investment and the investment will collapse too, so there is absolutely nothing that doesn’t have risk. If we keep considering the risk, we will find ourselves not moving forward. We just have to make some drastic wise decision concerning so many things, and in this case, the best for me would be to practice both.

It is not bad if in have investment and not also bad if I have savings, they all have their own different and major roles to play in the financial system of one’s life.Without investment, there is no way we can continue to accumulate wealth, and without investment too, there is no way we can continue to have money for the savings, so both are vice versa.

Surely it is good to invest your money as long as we can because holding your money is useless it is only waste of time but when you invest your money it increases more than double even triple, so I prefer investing money it gives me profit and makes ways for me to survive in future rainy days, I can see price of my invested coin is rising gradually.

Of course, investing is way better, that is if you have extra money in your pocket to put, say in crypto and doesn't touch it for as long as you can. That's we are really amaze by those long term holders here, specially early adopters who just lit it sit in their wallet and wait for the perfect opportunity to cash it out and make their millionaires.

Both are actually profitable, their difference only is that on investment We can able to roll our capital into twice or more, and it could not also roll the capital investment too. While in savings I don't see any risk if the coins you hold is really has a potential and promising, but if not there is also risk in the end.

They are really not.

Investing is taking risk and it could be profitable if you are successful on it, on the hand, saving money is like keeping it safe and it does not really make you profitable, unless maybe if you deposit or invest it in the bank to earn some interest, but if you compare it against the inflation rate, it's hard to tell if it can really make profit, maybe saving to earn some interest would just hedge you from inflation rate but if hyper inflation is happening in your country, I doubt that.

From the comments and complaints of many people, almost everyone will not like to save in the bank regardless of whether the bank makes a profit for them or not because with a certain calculation, we all know that putting money in a bank cannot give us an impressive source of profit. And in a developed society, everything is increasing very fast, saving in the bank will not be a good method, people prefer to invest, accept the risks that investment brings, in return, they will receive huge profits, survived in a difficult economic era

For me investing is gambling.you said that investment is not a gambling but for me it is.because when you do buss. And invest you never know if you gonna lose or you gonna win.if you lose your investment will go for nothing but if your buss got a big profit then good for you.in investing you are a gambler you have to face the reality accept of what will be hqppened if its good or bad.
In some point saving was good to those who wants to save there wealth without fearring of missing your wealth.like saving int the bank we think it is safe in this place that you already have welath never affraid looking for the future.
You can do both you can do saving while you do also investing.its up you to decide.

saving at the bank does not mean without risk? The bank can also collapse if there is an economic crisis and you will find it hard to get your money back, besides inflation is something you should consider too. I think investment is also important, you need funds to move and grow so that you have financial backups in the future

Savings shouldn’t be something that you do for a long time, whenever you’re saving money you should be saving it for a purpose and not just because you kind of wants to increase your wealth or something like that. When you save money, it should be because you want to maybe use it to invest in your business later and grow that business to be able to gain more income in the future. Investment is good and savings is good as well, but the highest investment you can do is your own personal business. Take for example you have cloth production company, it would be better for you to invest and grow that company to a bigger one. Just saying.

I agree. Savings are a good option but they can be better if transformed into investments. The only question is (as well as matter) what to invest in - cryptos, fiats, options, or gold?🤔 Any ideas?

Nowadays both are similar format so It depends on people knowledge, I think crypto investment is little different because we can earn big profit at short term so savings are only comfortable for long term investment people. This is the right time to invest on crypto investment because we will earn quick profit in current demand.

If we are talking about Bitcoin or any other stuff like these 2 things are related each other. I mean, the more you are saving your assets like Bitcoin or gold and that means you are doing an investment as well by holding those assets.

Investment i think is better because savings is actually an investment too. And if we only save our money, it wouldn't developed and only get fees per certain times. Investment both mid, short, or long term will be better.

If I think this investment and savings are different, investment can add to the coffers of money that we have but savings do not add to the coffers of our money, and again this investment has a risk of loss too, so if it is told to choose then I keep  choose investment because you want to make a profit even though it's at risk

I do read many investment's books and all of them give advice that " saving is for the working class why investing is for the businessmen". The only way we can become extremely rich is to invest and if you cannot invest what you have saved you will forever remain poor or limited. Investing is the activities of the wise why saving are not always enough for the raining days.

Investment is always been better yet you would able to increase your savings on this case rather than letting your money sit on a bank or any other storage but if
you don't know on how to utilize your funds or isn't sure on where or how to invest then its more wise to keep those funds not moving rather than on risking it without any sureness or proper plan on mind.

for now, I keep thinking about the right way to invest, which allows me to produce without the need to work hard. well, maybe saving is pretty good, but I realize that it won't develop. maybe, it will be very good when we save when we have succeeded with the investment that we have.

In investing its very difficult for them to put money for a high risk like a huge percent you will get to earn. Sometimes its can't take so long because it will have high risk. Earn or not every investment is always risky.

It totally depends on the invester, specially in the crypto. Investment gives much money more than savings. But it is good to invest wisely, need by choosing the good coin, right time to invest and the right amount of money.So investment is best way.

I will say both are same in most of the situation because savings converted into investment and investment converted into savings so the the shape is different but the goal is same for everything

Savings is a safe way of hiding your hard earned money from thieves however, take into consideration that if your money is just idle in a bank, it will not earn enough money to pay for the fees that bank charges to their clients like those service charge and annual fees. And imagine how much annual interest you get for in your savings account? 0.03%? If you pick a good stock or a good coin, you can easily earn 5% per month.

I think what differs between crypto, fiat (forex) and gold is the profit they can give in a certain amount of time.

I have savings in the bank (with my family) but to be honest, I don't want to save money. I'd rather invest my money into stocks or even in crypto if I want. I know that it can give me more profit compare to just putting it in the bank that has very low annual interest (stupid banks).

You don't pay for the charge if you are making deposits on banks, they are the one to pay you with an interest income in a quarterly basis.
However, the main downside of putting your money to the bank is you can't escape the inflation rate, especially if you are living in a country that economy is not that good.

And you accept your life only to this step, just live and work with such low goals, the simple reason for this story is that you fear failure but you should know that many people have failed but after that, they still have good and successful lives because that is the experience of life, you can be risky but what you get is experience, this experience helps you use for a lot of problems. If you only know how to live with savings, I'm sure your whole life will still have a mediocre life, investment is not guaranteed but it is a step to change life, do not be afraid of it

People choosing saving than investment or investment than saving, why don't do both?

I mean we are not always losing in investing or trading right? We can save our profits in there so we can invest them again or maybe use it when there is an emergency that may or moght come. We are not always investing and obviously, there will always a time that we will be spending money not only in investing.

Saving and investment can help us to gain much money in the long term or short term, but it depends on the investment itself. If you can save more money, you will get interested in the money you save, and that will happen too with the investment. But we need to choose the investment carefully because not all investment can give a profit to us in the one period so when we can find one or two investment, we can expect to make money from the investment.

I realize today how is important to saves but much better to take some opportunity in investing for us to make more money while it stuck in our wallet.
It is somehow a risk for us but I believe my self that I can find a way to make it better. And investing in crypto is the best place to be. Risk is not a hindrance to succeed but a challenge.. let's face this and it will be fine.

Savings must present in our lives as any investment is a really great risk. If the market falls, you will be without money to live for. I never invest more than 30% of everything that I have as risk here is a silly thing. I need material support and confidence that nothing critical will happen even if the investments turn to be something bad (at least).

As we can't get 100% market assurance and savings will take place at ones. It is important to be prepared than to be nothing when crisis turns back us again. It happens several times and seeing those people aren't prepared will always be doing panic selling and even spreading more FUDs.

From all the money I earned in a month, 20% from them is saving, 40% investment and the rest will be my whole month expenses. And really it works for me. 

I agree with you,
saving for now will only make us poor,
good is investment, investment is real and provides long-term benefits.
and non-gambling investments if we do not participate in outstanding FOMO or FUD, make observations so that we know the future of the project.

I already invest some money to buy bitcoin and altcoin although I am already saving some of the coins from a long time ago. Investment is one way to get more money in the long term and now is a good time to invest in any coins. But still, you need to analyze if you want to invest in cryptocurrency so your investment will grow when the crypto market increases.

You did really give a very good explanation on saving and investments. Clement stone said " if you cannot saved money, the seed of greatness is not in you"! It is from a well thought plan to save little as 10% or 20% of your earnings for many months that do create your capital for investment.. If you used all your take home and invested into bitcoin you may died of hunger in the near future. Remember that you most survive before thinking of investment and saving and leaving some part for feeding and taking care of you daily needs is what keeps you and your investment plan.

You can't compare both when talking about profitability as saving will not generate profit and saving is not risky as investing money in the bank.
People who are afraid of taking risk are just purely saving their money in the bank, but without realizing about the inflation rate that would affect its value as it goes longer.

For me, it depends on the situation. What you said that the tradition is just to save your money by keeping it and not spending or taking the risk, yeah that’s right but if the situation is you want to earn money why not try to invest it right make your money grow. But in investment theirs always a risk and if you can’t handle it's much better to keep it but if you can spend some money that you can afford to lose why not, the chance of making your money will grow will definitely depend on you and what investment you will choose.  :)

If you are mindset in long term, probably savings will be good for you. However, if you want to roll your capital quickly of course you will go for investment and that is already proven and tested as long as the coins you are going to invest has a capacity to increase in the future and promising like ADA.

Why not investment? Investing is better in long term, isn't it?

As a proof, there are a lot of investors that earned a lot of money from investing in long term. Let's take the early adopters of Bitcoin for example. They bought Bitcoin at the lowest price available and if they are still holding that money, they earned a lot of profit from that. If they saved their money and did not invest in cryptocurrency especially Bitcoin, I don't think that they will be having a good profit.

Totally agree with you. Investments give us a chance to increase our money. But don't underestimate the savings. After all, if your investment doesn't pay off and only bring you a loss, then you can not do without savings.
So act wisely, invest in order to earn and save in order to always have insurance.

Investment or saving? Will all matters to our capabilities. Not all of us can afford to do investment rather than to keep safe at saving or vice versa.

Savings is very important that we do investment but the disadvantage of savings is you make your money doubled or getting more unlike if we do investment. But however, the risk of losing our money in investment it there which makes people think about it before we decide and what suited to our part.

I believe that saving should be done only in order to raise capital for investment and trade. If you do not invest, then savings are useless. Savings do not increase your capital. But of course, investment is a risk. You cannot completely get rid of the risk, but you can significantly reduce it. You just need to reduce the risk.

we are always encouraged to invest because that makes cash flow always flow and create greater values. But if you don't have much knowledge about crypto, you should not invest in it. Should only invest in what you can understand.
Real estate is one of the most understandable assets and the most valuable asset to invest.

I call that rivers that never run dry, when I talk to people about spending and investment, I make them understand that investment is very necessary to make, because that is the only way that one can guarantee himself of constant income that would even help our savings to grow.

In fact if you look at it, I think both of them are actually interwoven because for you to get capital to make investment, you have to save towards it also, except maybe you are lucky to get some relatives that would donate money for you get someone that would be interested in your project and then pick interest to invest in it by giving you some capitals for it.

So, it is best to practice both savings and investment same time, and when investing, I would prefer to just in have some physical investment first and then make cryptocurrency my second investment.

I do both (saving and investment) but i want the OP to understand that the two scheme are still act of gambling and I guess it because life itself is gambling. However, the future profitable of an investment is not totally guarantee while inflation can also lead to decrease of fund saved as saving which is why some millionaires choose to exchange their saved funds for golds (https://www.foxnews.com/us/nevada-man-dies-with-200-in-bank-7m-in-gold-hidden-inside-home).

But I prefer the act of investment.

Saving and investment strategy is usually the process used by the entrepreneurs but you seem not to get my point about saving because saving is farther than putting one's wealthy in a bank account and what I am trying to make people understand is that conversion of one's wealthy into gold is the best savings ever.

What is the point keeping money lying flat in the bank account for the banks to take and use to do business when we can simply just keep turning it over with investment, it is better that we have a very solid business on ground that we keep pumping our savings into until it grows to a stage where the business would have a very big capital base, then we can say that saving becomes necessary because if we talk of investment, we only need to establish it which is one time thing, once the investment is establish, it will keep bringing money and we will have no choice than to save this money, but at the early stage of one’s life without investment, savings would be a very wrong choice to make if we are to compare both, I would just simply see the investment as a savings also.

I think investment is better than savings.
Cause investment can make ur asset increase or the opposite can make ur asset lost if u dont analysis correctly. Like formula investment, High risk high return.

perhaps the best savings are choices for wealthy entrepreneurs. but in the world of crypto we can apply investment because there are so many types of coins that are good for investment I think this could be an option and maybe using the investment results for the savings can be the best choice.

we can only invest when we are in the right direction. Nobody wants to throw away his earning to scam project especially Now it is getting worst. i always advice newbies that wanted to invest in crypto to go for the top currencies. btc, eth and litecoin. they are save for now.

Saving is the best way to store your wealth in case you don't understand how to invest in right way, but as we knew inflation make money decrease.
Investment is the right choice to grow your wealth and to stop inflation, but sure you must need more understanding and research at your investment. In easiest way, i choose to invest in land and gold

My family suggested me to invest in land as they said it's profitable since land value rises over time, but I don't like the idea because I don't have a lot of money and I can't allocate it for long term investment which only results to a lower profit compared to what I can possibly make in crypto.

I know the risk associated investing in crypto but a small investor like me would rather choose a high risk for a possible high reward if I will be successful.

For long term investment, those projects at the top are really the most reliable coins to invest in but there are some projects that are new or does not belong to the league of top coins that are still good to use and make money in the short term, especially now that the altcoins season is almost near, you need to consider those coins that even have the tendency of going as high as 1500 percent especially those that are still with small cap but have very high working products.

My portfolio contains at least 20 top coins in the coin market, while still have about another 20 coins that I have diversify into selecting from those short term projects, like harmony, and some very great projects that I still believe in them to get me to a greater height within the next 2 years.

If you want to have savings here in crypto world or bitcoin industry you need to choose coins in which you think it has a potential and capable to give you huge profit in the end and one of this of course is Bitcoin, then next are Ethereum, Neo, Ada, Nem, Waves, pundix and Vet.

Savings are different, there are savings with interest and savings without. Both of them are good, they have their advantages and they also have their disadvantages, but savings is necessary while investment is not. Not everyone can be an investor, there are people who are not interested in investment, but they still do savings. When you’re working and you’re getting paid and the money you’re being paid is going to your bank account, that’s part of savings.

The money you have in your bank account is savings. As for investment, every investor does savings, cause like I have said – savings is necessary, it is something everyone does as long as you have a bank account and you’re putting money there, that’s savings. As an investor when you’re getting your money from successful investments, those money goes to your bank account to rest as savings. Investment carries a lot of risk and as the profit you’re likely to make increases, the more the risks that it carries increases. I believe I must have answered your question.

For the last year I keep saving my money. But after a lot of thoughts I don't think that saving improves my financials.
I am thinking now that the best way of achieving financial independence is by investing your money. What puzzles me know is if there is a legit way to invest your money. Most of the cases are scam attempts or frauds that wants to get advantage of your impatience to get rich.

I don't think there are too many stable and suitable places here for us to have a savings, almost value will change in a short time, and if we don't follow the trend that the market establishes, our savings will be lost. And one thing is very certain when we follow market trends, buy and sell, we have suddenly become an investor even when we don't want but life is in need of us to coordinate and utilize the situation to develop, savings have become ineffective, the positive trend is still investment, money will be constantly generated through our decisions.

Investment vs saving is a good topic. Investment give rise to opportunities of replicating the money and if you invest even little money, it will give back returns to you. Saving in banks is good but it give you little returns. So compared to saving, investment is great especially when it comes to investment in crypto. Bitcoin is a great opportunity for you to make money.

Investment does really give out the opportunity for you to make even more money which is far more better than those money sitting on the bank alone for too long.
If youd like for those funds to grow than or compared with Bank interest rates then your best option to take is on investing but somehow you should be aware on the accompanied risk behind it so that you wont be shocked if you do lost up money too fast.

In this market there is only an investment due to the absence of a stable coin, so even though you save in this market but basically the savings have the same risk when you invest a lot of money in cryptocurrency. So with all this, at least we only do what we have to do because everything will go well when we have the skills and experience in a field.

There is no need to be afraid if you don't use too big money for the saving or investment in the cryptocurrency because you can prevent from losing the money. But that is different if you use big money because you will need to watch the price on every coin you have and that will make you panic or worry. You don't need to listen to the news because you can search the other news from another website so you can know what is happening in the market and that will help you to decide later.

Whether you are newbie or not, you can freely do savings and investment. The only thing that is difficult so far is choosing a coins in which we are going to buy in the market. Just always choose an altcoins that listed on top of the market which has potential and promising in the
future as well too.

Investment has to be done very wisely instead of doing it like it’s a duty. You never gain via savings, you gain why making. But it obviously needs to be done via sensible and proper way. I always do that and it helps a lot with something like Crypto Lending (https://cryptolinks.com/cryptocurrency-lending) platforms, as it’s kind of thing that can be beneficial if picked accurately, so our whole effort has to be towards that only, and only then we will be able to turn around to make good and consistent returns.

Investing with crypto is indeed like saving up but don't expect too much because the risk is higher compared if you do store your money into a bank.

We actually know on how this volatile market works which makes our investment goes bad overtime if the market tends to go into the opposite way.
Observing everything when we are still starting up is the best option or course to take.

Fear is not good both on investing and saving, it can make you confuse and lose money. I usually go for investing to earn profit but having a savings account is also a must. Inflation might go high and that’s why you have to keep inveting, anyway you can’t escape inflation even if you don’t save.

Instead of keeping your money in your house idle or keep it in a bank and let there for more than a year be get charges for dormant fees, I would rather buy a stock of a publicly listed corporation that is among the top 1000 in your country than store it and keep it idle. The value of your $1,000 today is different after 5 years. 

Savings and Investments have been used interchangeably but there is a difference between the two. Investment is to put your money into productive uses or buying assets such  as mutual funds, bonds, stocks etc in the hope that these investments will make money for you. Where as Saving is the money which can be accessed quickly, possesses zero or little risk and with a few amount of taxes.

For people who don’t have interest or good knowledge about investing, savings are any day better for them, cos having a bank account is all you need for it. But yes, if you are willing to take risk and you have sufficient knowledge about the know-how of investing, go ahead and invest as returns are more there, no doubt.

And spending wrecks you, you cannot run away from all, you just have practice one in other to stay financially strong, no decision is easy to take, life is full of risk and we just have to make some decisions out of risk believing that such decision will not backfire for us but rather work for us. Saving and investment might have their own negative side, but a serious minded person will focus on the positive side of it and bring out the best out of the negative.

I think you have to do both for future sake, so that when things are not running smoothly, you will be able to have something string that will bail you out in that period.  I have been in a situation where I lost my job for some couple of months, but while I was working, I invested in a mini business and that was what really came forth for me.

for savings you dont necisarily need to have a bank or to apply for a savings account at banks because you can still keep the money on your own hands . that is still considered savings but if the money is held on banks i think that is likely simillar to investing because you also gain anual interest from them and like investing there is also a risk of loosing your money because sometimes a bank can go busted and not all can be able to do a full refund  .

that will come in handy if the person knows how to invest in stock market. some people opt for bank savings because they dont have to do anything. just deposit and forget that money for a year or so.
but if i have sizeable amount of money, i would go for investment of course. look for alternative options like stock or crypto market and make profit out of it.

many people are confused about using their assets, so they prefer to hold back in the bank for years. but, I also choose to invest in a place that can make me income. most people are also afraid to take risks and choose to save money. Well, many investments have a big risk. but you're right, when they can see the potential of the investment site, I think that can be their consideration.

I believe that in crypto Saving and investing can be done together.just like buying Bitcoin(or other cryptocurrency)and keep them in your wallet for as long as you want.
This money can be ave while inside investments.specially if you are a Crypto believer?for sure you won’t regret that you made such action for your money
I remember when I was new here and starts to read and learn,I have crossed a thread that a school drop out teenager bought good amount of bitcoin when the price is just few Penny and after years he become a millionaire.so for me that’s his way of saving while investing

That is why we need to research the investment so we can know why the investment is worth for us. Besides that, by having so many info about the investment, that will help us to decide later, and we will know how much money to invest. I think saving the cryptocurrency still profitable right now because we will see another high price soon. So if you can buy many altcoins in a huge amount, then I think you can make a profit later. But we don't know how long you need to hold the coin because no one will know the right time to keep the coin.

Savings in banks and investments in cryptocurrency are essentially are identical. Long-term bank savings are reduced due to inflation, when long-term investments in BTC increase despite regular ups and downs. My rule is not to keep all your eggs in one basket. This will help to save your  prosperity's status even in old age)

if you are thinking of saving, know that your money will be invested by financial institute for their own use. what is left is a return of your initial savings but when you invest your funds, your earn everything. take the risk and be a millionaire.

Of course smart people choose Investment if they want to success. Yes it's a risky way but if you going forward smartly step by step then success is just a time of matter. In 21st century people want to be success. But it's only possible if you have proper guidance. Don't be so much greedy it'll destroy you. Make money in investment is not too much easy way that people think. Only your good effort and take a right step can make you a success in investment industry.

If you are saving, whatever the institution would do with your money, it's non of your business anymore.
What you want is just to ensure that your money is safe and you can withdraw anytime you need it, in short you are not taking risk here as some institution like banks, offers interest when you deposit your money to them.

What is advisable if a person wants to invest, is to ensure he has a savings first and not all the savings are risk for investment since we never know the outcome, your savings is necessary for you to continue to life when worst case happens like you fail on your investment.

And you think that savings too is not risky? What if the bank where you have your money had challenges and then liquidate, what do you think that will happen to your money, so there is nothing that is not risky, if we keep considering the risky part of it, we may end up not doing anything at all.

Investment is very keen to human man, because this is the legacy that you will lay down for your children, it is the name that you build down for them, savings could be tampered with at any time, but investment would never be tampered with unless you don’t know how to manage it. Rather than keeping that money in the bank for too long, what happens to using it to buy fix assets like land which will even appreciate more than any amount you can get from banks.

The investment looks a bit riskiest, but in my view, it is more profitable in the long run than saving or holding. You just have to choose the most successful coins which have good potential before investing, and waiting till the price reaches a high level then sell with good profit.

Savings were the base for investment, but for a futuristic benefitting investing is the right choice. With investment there is risk, but if we've done it on the right thing we will be getting regular return from the investments. A simple calculation determines the importance of investment over bitcoin. If one saves $40 per year for ten years then what he have got in the wallet by the end of ten years is $400 and if it was provided with some interest it would've reached $500.

Same if invested surely by the end of the tenth year the investment that was made regularly would've reached at least $1300 - $1500. This is how the difference in the earning out of saving and investing with the same amount by the same time interval.

Technically speaking even saving is a form of investment, for example if you are saving in your local currency then you are invested in it, if you save your money but you use the US dollar then you are invested in the US dollar, and if you are saving your money in bitcoin then you are invested in bitcoin, however you need to be very careful it seems like the next world crisis is not that far away and if it is true then it could be many times worse than the last crisis and when that happens you do not want to be holding paper assets or your losses could be huge.

I do not think that savings should be opposed to investments. It will be better if we complement investment with savings. Indeed, in order to invest something, you must first make savings. Savings teach us to limit meaningless spending. Investments teach us to earn.

It is true, but trading may bring more than investing. Certainly, you need to be a professional here and have also some luck. Being an investor is calmer than a trader. But you need to understand that money is invested in the project today, and profit can only be obtained in six months, a year, or even five or ten years.
During this time you need to somehow live and preferably live well, not survive.

It is true, but trading may bring more than investing. Certainly, you need to be a professional here and have also some luck. Being an investor is calmer than a trader. But you need to understand that money is invested in the project today, and profit can only be obtained in six months, a year, or even five or ten years.
During this time you need to somehow live and preferably live well, not survive.

I think that trading is more profitable than pure savings or investing, because it can bring higher profits. If you have sufficient knowledge in trading, then you can constantly increase the number of BTC in your accounts. But if you participate in IEO, then it can also be profitable, especially if it is carried out on large exchanges.

Everyone has their own passion, there are those who love trading, there are those who are comfortable and don't want to bother with just saving money in the BANK, and there are those who like to bet and want to think broadly by investing.

Personally.. I prefer investment. I am happy to put my money in a company that I think will benefit me in the future, and now there are many investments to choose from, such as stocks, cryptocurrencies, forex and even online casino platforms that will greatly develop in the future.

If anyone considers one of these aspects as more important than other, it’s just wrong. It’s very clear cut that both of these ways are equally important should be very much understood. I find this incredibly simpler and easy with using multiple ways of investment. One decent way could be Crypto Lending (https://cryptolinks.com/cryptocurrency-lending), as it’s a good way to gain consistently. But of course, it’s important for us that we are doing it only after we understood everything instead of randomly trying.

Please do note that savings does not mean long-term perse, but it also includes short-term savings if for example, you are saving up to purchase land, house, or any other related item.
As we all know, inflation is the increase of general prices overtime. There has been a misconception that due to inflation, saving money would be putting it into waste. This will depend on the economic status of the country. Remember what happened to Japan that their economy is on deflation; that saving money would actually decrease its value overtime? Again, this will highly depend on the country and the status of its economic power.

Lastly, you cannot invest something without having savings. Two must exist with each other and there must be a relationship where they harmonize and work together to create a balance and just scenario.

I agree to choose investment compared to save it. Until now, I have always donated the money I have to offline investment rather than saving it to the bank. I am more interested in trying to make a profit every month with it than saving it. Yeah, but many people doubt that and hold their assets for quite a long time.

What prevents you at the same time accumulating funds and reinvesting in highly profitable projects like masternodes? It all depends on your temperament.

Many people do not have an overview of this story, preferring to save when their money is protected and grows very gently but in the long run, while the landscape they see in investment is only some people succeed, others fail and lose money, this risk makes many people afraid. However, many people do not realize that the opportunity they can get back in investing, sometimes the money they save can be doubled in a short time with investment, savings are no longer too good when the value of the currency is rapidly declining, costs and everything will rise in value

I prefer to choose Investment because your money will grow in the future unlike savings your money just like sleeping, when you save $1,000,000 now and in the future it is still $1,000,00. So its good to invest, you just need to choose wisely where to invest it.

According to tradition its almost correct.
But now in this modern age we need to think practically.
If we only save, then the value won't increase.
So we need to invest those savings in order to increase their value.
This is really a common and general knowledge.
Hope you get this OP.

You are definitely right because not all would really have the same views when it comes to their own money.Some will bother on how to make it grow and some dont want to hassle up their selves into these some sort of things. Its just depend on what are your plans with your money.

Investments require a serious attitude and need to carefully analyze and select assets in your portfolio, digital currencies can give a good profit and should study their projects

Problem with investment is all about knowing where to put in your money and the chances that it will be success Accessing the situation is really going to help you most of the time if you are careful with your choices so is all about your knowledge and how to implement and maintain things but also you fail sometimes

By the way, in what investments besides cryptocurrency do you invest your money that you earned in cryptocurrency?

Well,  I believe that this is your opinion,  In my opinion I disagree with the fact that you said trading is more profitable than investing.

We all know the situation of the market that it is highly volatile,  this makes trading more difficult because you cannot  guarantee a 100% success regardless of how good you are in technical and fundamental analysis.

There are several investments,  an example is real estate investment,  No volatility,  less risk and a high profit if invested properly

Investment will make the investors have good yielding profits at the end of the investment why savings will make the savers retarded and savings will produce nothing than constant(capital). For one to have a good money and keep it to himself without investing it to bring back more profits is bad and not to be encourage. The only language I understand now is investment into Bitcoin and in general cryptocurrency.

Investment is my go-to option as its long term, I don’t have to be worried about the short time price movements but rather, I bet on the long-term potential of a particular coin while investing with the intention of selling it and generating a profit in a couple of years.  8)

But I think both of them will remain profitable, how much inflation will occur I think it will not be too much of a problem for us to save for a long time, because in the future savings will still be a benefit for his own personality. So, as long as we do well and are not too affected by negative issues circulating and confident will make you not easily panic, then saving and investing will be a good return in the future.

in my opinion depending on our goals what? If we want to have short-term goals, we better save up. to manage long-term funds, use investments. and for optimal financial planning, we must have both. So we have an emergency fund that can be used at any time, and we also have long-term capital for the future.

now that's not true, saving only makes us not get anything from the Bank,
even Banks use the money we save for their business,
so saving is not the right choice, investing or time deposit is the right choice.

only uneducated people say the investment is gambling!!!

The situation here is very simple. First you have to make savings then invest. If you limit yourself only to savings, then you can never count on significant success and income. Therefore, many people simply have no choice.

But in what percentage we need make investments, and how many funds needs to be saved?

I think they are almost the same. many people interpret that saving is saving in money, so that money becomes safe, but does not aim to get a nominal profit. while investment is like saving, but in another form, it is not in the form of fiat money like saving. investment forms such as property, gold, silver, etc. and in the end the investment makes a profit, so that the money becomes more than the initial capital

This is true because many people see saving as just fiat that is kept in a secret place or bank but they don't realize that buying commodities are part of it. Also properties like buying of already built structure or empty land.

About land, this is a huge investment because it never depreciates rather it will keep adding value yearly and the value the next year will be bigger than what it cost in the previous year.

I age and the condition I am in I will prefer to invest and hold my funds. When you are in a good state on income and have noone to spend on and no responsibility on head you can invest, learn through mistake and get up. Such golden period in life is for very short period and thus, I want to safe funds to fight the battle of responsibilities that I have face in future.

I think he means overall plan in goal. There are some people who thinks: Just give me million and I'll spend my life as I wish. But on the second hand there are some people who are billionaires and even more, what they do? As I see almost everyone invests, only silly ones save. You may ask, you have million and lets spend life, why are you looking for new challanges. I would say that it's not so easy to be millionaire and a lot of people don't want to take that work what being a millionaire requires. You have to keep your money which is as hard as becoming a millionare or if you aren't wise in your job, you'll get poor pretty soon.
So to make it clear, I vote for investments. It has it's fun too, whole captivation is that you never stop, do and do a lot of things, create something new with your money and watch how it grows or maybe falls but at least you learn from it.

The agony of treating things will work out if you fully understand both benefits and risks between this two. But if choosing between savings and investments, investment will increase chances to earn more than losing time and opportunities,. You have to sort things out and make your assessment deeper. If you are planning to come out with a high chance of making more money, keep everything in the right direction and don't rush things out but to plan your target venue where you'll going to place your money.

I am also doing this this year as long-term investment is essential in this bear market and there are not many good growth coins this year. Apart from Bitcoin, all other altcoins are not profitable for me this year and many other investors are also losing money so if you choose the best coin in this market, you don't need to worry about profit because in the future Crypto will be a very attractive destination for all investors

All cryptocurrency assets have all chances to increase your fund in a lot of times, the main rule is to wait! If you are to nervous, you don’t have to play that game.

We don't feel nervous if we educate ourselves before we decide to invest here, in the first place, we already know that crypto is very risky, hence there is no assurance if we will be profitable here. If we are smart enough, we also have to trust the coin we are holding and we also understand that big dumps and pumps are happening in the market, it hasn't change yet, so we should not panic when we see some dump.

BTC did dump at $3K but now back to $10K, that's why crypto moves, it's very unpredictable but those coins with great potential will always bounce back and these coins has a big chance of success.

I think the two are not the same because saving money is silent while for investment the money is spinning and more or less if we can succeed with investment it will add to our savings. but if we lose investment at least we have savings to start something new again.

Investments take time and lot of time if we invest on something in traditional methods but in cryptos ROI is high along with the risk so people have choice now to choose from.

Savings is must for emergency purpose. Ideally, $1000 savings for a family is enough so that if somrthing happen to a family member (assuming that it's just a minor accident), they are capable of paying the hospital bill. The rest of someone's spare money can be put on investment then for a long term profit purpose. Although it gives profit, it's not very convenient to use it for emergency purpose.

It seems to me that for each family there will be a sufficiently different amount of savings, but everyone should try to invest, otherwise you will remain poor.

yes, savings will indeed be very useful for emergency purposes. but, as business people, we cannot just save the assets we have. if we want to grow, we need to take risks and make investments that have great potential. it is indeed risky, because that we can do it by storing some assets. the point of this is, we need to insert some of our assets to be saved because we never know the sudden needs that we will use in the future. but, we also need to do other business, therefore use 30% of assets to be saved, and 70% to build a business.

There are many reasons of why people shy away from investing, the first and most obvious is that most people are risk adverse, they know how much time and effort it took them to get all of that money and they are afraid that if a mistake is made they are going to lose a significant portion of their savings, and honestly they are right we know that more than 90% of traders lose their money and when they find out about this they do not want to invest.

Another reason is that people realize that if they want to be successful when it comes to investing they need to learn about it and most people don't want that, they have unrealistic dreams about making a lot of money with little or no effort so when you take all of that into account it is easy to understand why most people do not invest.

That's really not so stable decision.
If we just keep on investing without doing proper calculations, then we will surely face losses.
That too huge loss.
And it's not always true that long term investments will be profitable.
So just better be careful when investing something.
Hope this helps.

Investment knowledge is really important for every human being. if they do not have enough knowledge to invest then the investment will easily lead to failure.
but instead of saving too much money and letting them lose value, we should use part of the money to go to securities investment or crypto courses.
It will be the premise to help each of us increase our assets year by year by our true selves.

Who have been investing money in tropical real estate? I like this type of investing?

yep, I agree with your point. Savings or investments have their pros and cons. Savings will help you pay in some emergencies or you can also use the savings to invest by depositing your bank at a low interest rate and it is suitable for those who prefer safety. Investing is risky, you might lose money in the beginning, but then you can be  richer than saving, investing in bitcoin or altcoin as an option. In my personal opinion, you should choose investment, investment is always the best choice.

Savings is good because your money is safe you can hold hold it until you want the price already. But investing is much very good because investing you can earn more than you expect if the price is going up. I can have the chance to reach my price goal.

Most people here will obviously invest because that is the root of this industry however, risk will also be involve on investing especially on this kind of industry where there are high volatility and uncertainty of things. Saving on the other hand is a money holding without expecting of a profit or return which is good on people who has a solid goal. Saving and investing for me must be done simultaneously.

it depend how you want grow your money, short/long time.
and you can do both if you want, the different if you do trading you can instant take quick profit.
investment is better for people people who dont know about trading, you just put your money and hope the price will rise.
and in trading you must learn technical,fundamental analysis,news,pump,dump,cutlose,scalping and many more, you need to be serious if want learn trading, even if trading is unpredictable job : :)

Everyone wants to get profit as fast as possible. It would be nice to read a good book on investing on your recommendation.

I would love to hold BTC for long-term investments because my savings will certainly be very useful in the near future if BTC tends to rise. This market brings a lot of opportunities for many investors and if you have a large amount of money and do not know what to do, it is best to invest some BTC because this is probably the most profitable savings you have ever known .I have been holding since BTC at $4,000 and my profits have now doubled in just a few months of waiting

I make a  bitcoin deposit from my every month salary, I think it’s good investment.

Investment is absolutely greater than savings,  imagine that you were buying bitcoin monthly from 2011 till  2017 from monthly salary,  the profit will be so huge than saving the same amount up from 2011- 2017,

Savings is good because your money is secured you just wait for the price increase to come at the right price for you. While investing is good also but you have to bet your feelings and expectations to have a chance to earn big money. Its like a gambling its either you win or lose.

In my opinion, investing is always gambling. Name at least one investment that is not risky. Is that banking. Everything else, especially investing in cryptocurrency, has a very high risk,
which decreases only with long-term investments. The only investment that always pays off with the right investment is investing in your own education.

I think saving coins and investing coins are almost the same, both of them also apply to save coins for the long term or the short term, but for this investment you should be able to choose a coin that has the potential for price increases so that you can get a lot of benefits when storing large amounts of coins.

I think saving here is saving in the form of FIAT, while investing is exchanging it for cryptocurrency or maybe gold.
and of course saving in cryptocurrency is a good decision, because the price of cryptocurrencies will continue to rise, and the value will not weaken like FIAT.

But we still should save some at the banks to get interest. Because you will not be able to know the future of your future, so you need to prepare a fund to prevent your health risks. Don't invest all, we should only invest 40% of the total assets, the rest we should spend on other things more reasonable.

not all investments are gambling. try to look from the other side. such as investment in land, gold, houses, and others. in cryptocurrency, it does have a movement that is quite difficult to guess, but with accurate information, it can be a definite investment. Remember, when many information about development of crypto occur in early 2017, of course those who have accurate information will hold their assets until the end of the year and get a big profit at the end of 2017. Investing is not a gamble when you know what you are investing.

You're wrong. You are pertaining to different things. The investment bitcoininst is talking about is an investment in cryptocurrency. What you're pertaining is different on what he was saying. I mean, that's out of the line since you're in trading discussion.

Investments are always a risk. However, these activities are supposed to bring a profit. savings are needed, but with the investments, you will have a chance to let money make money. The Internet has opened our way to the world of investment, and cryptocurrencies have made it as short as possible. I regularly invest in Bitcoin when I get a salary but it is only 15-20% of the money I own.

Money makes money.. Right, it is called compound interest in the financial markets and the category is named as passive income. In investing the risks are always high due to the random event series on the world and these events can cause sharp price changes on any financial markets included cryptocurrency markets. For making money with compound interest, the profits are separately invested in the low price altcoins. After the given timeframe, the altcoin portfolio will reach the target value and the smart investors will invest more with the money coming from interest.

By the way, financial markets never sleep and crypto investors should use available special online tools in order to keep watching daily performance issues of their cryptocurrency portfolio. In every price increment, the new investors add or take out from their market trades and they are the main cause of unexpected price change from my experience. Anyway, in the crypto investment industry, the weak hands are not respected by the rest of the market traders and the stronger hands become a winner of the bull/bear open battle today or tomorrow. Just my 2 cents.

Inflation is an ordinary thing not only in the cryptocurrrencies but also inflation of goods and services.You should be wiser regarding of your earnings… you can put some as your savings and some for investment, so you can balance and steady and get more earnings…

I will say that we should Invest and Save, because inflation  reduces the worth of Savings while Investing nullify the harm that inflation brings. Savings are your rescuer in time of adversity, therefore Saving and Investing should walk side by side to maintain a sustainable financial lifestyle.

It was very good when the price was in that range when you started to hold bitcoin at least you only waited 6 months until now, I don't know if you have sold it or will continue to hold it for longer, because if you have sold it right now I don't think it will be a problem. But indeed, investment is the best way if we want to double profits compared to just saving which will not make its value increase even though it is saved for a long time.

Holding is cool, but it’s almost unreal to sell bitcoin on the top price, nobody can watch charts without nervous when bull run.

I also strongly believe in this. Savings for me is a  money that I will be needing when I there is an emergency and I need a good amount of money asap. While investments are when you think about your future and you want your life to be better in the next couple of years. And OP is right that when investment is good when it is done right because most of investors' mistake is putting their hard-earned money in pyramiding scams that promises roi that is too good to be true.

You claim that your money works for you but you have no savings? Why so, do you understand that this is necessary?

This investment always makes all investors happy and during that time I did not have any worries about this market. Actually this investment has changed my life a lot and now I still hold it because I believe that the price of $20,000 will come back again because of a lot of good news related to the market recently and Bitcoin value will rise in the near future

Investment is much better because saving as the word goes which means to save money. So basically, you are just putting your own money aside for future or normally emergency purposes like when you get sick. While investments will give you returns and it keeps growing depending on what kind of investments that you have because that main example where your money grow is in banks.

As long we know what we invested in, i think it will be better to do investment than saving. Because like what people said about bitcoin, it's price have possibilities to up again maybe new ATH or maybe it can surprised us. Or maybe do both of invest and saving so when we lose 1, still have rest of money to make profit.

you can't rich if don't invest, just hold some crypto in top 5 then wait your profit. goodluck

There is no need to invest if you have a job and you are contented with what you earn for your living.
Investing is risky, you might be able to grow your money but the risk of losing money is also here, that's why majority of the people prefer to work, get their fixed and regular paycheck monthly because that ensures them money as long as they do their job.

In investing, you need to be good, you need to compete in the market if you are managing your own business, if you are also investing in crypto, you also need to choose the right coin that could give you better ROI in the long run, but we know how unstable the market is, so that alone says there's a high risk our investment will fail.

Everyone mindset is very different in this market and a lot of people have the same ideas as you but some don't. I think that if the savings can invest in this market, you do not need to worry too much about the profit because Bitcoin is always a safe asset for all investors. In fact, if you want to use it for important issues, you can switch to Fiat at any time because this market has great liquidity.

Im a bit confused with your statement. You can save your money in banks while earning certain percentage yearly, and thats considered as investment. You cant just simply save your money on your own and keep them somewhere in your room, because thats a ground for the anti-hoarding law, for deprieving the bills out of the circulation. It would be wise to keep them in banks instead, you can even enjoy the interest from the amount of money you saved.

I just wanted to say the same thing. For me, investments are the form of savings that can increase my capital.

There is no doubt that it is way better to learn as much as you can about trading and investing before you start doing it otherwise the risk that you lose all of your money can be incredibly high especially if you invest in new altcoins, however I disagree with your assertion that by doing so you can double your money in a few months, that is not the way it works, if the market is not giving any profits and it is going down constantly then there is no way for you to make profits.

This is why new traders can lose almost everything that they have very fast because they get desperate, instead of waiting for the right opportunity they try to make profits when the market conditions doesn't allow it.

How come that Bitcoin is safe asset for investors? You have obviously forgotten about volatility, so you might get profit as well as you can lose.
That is why it's very important to diversify investments and combination with saving is even better. That is actually the only way that you can be sure that you will have at least some back up funds.

From various educational resources I have learned that saving is actually more risky than investing. People must understand that they need to "get rid" of the fiat currency as soon as they receive it. Be it by investing in some hard assets like real estate or in stocks, bitcoin, etc. That's when a financial advisor is worth your money especially if you have a considerable amount of wealth.

I agree with you, you can very easily lose money, they can depreciate, they can be stolen, or you yourself can lose them.

i think he means bitcoin is safe when compare to other cryptos  but in reality bitcoin is not safe since its not stable and even if its stable i think it still cant be consider safe because we are still putting or lending our money into someone else  . we wont know if they will collapse or in the case of bitcoin what if will turn into a bubble ?  hope it didnt end that way  . so far im going for investing and saving  .  saving so that i can secure my money on hand . investing so that i can get some profit later  on  .

It's tru.We can’t store all the eggs in one basket. Trusting your savings with banks is also risky, especially in the countries with underdeveloped and unstable economies. Cryptocurrency has great volatility.For many times we seen rise and fall of coin's prices.My advice is to split your assets.

All these risks are there in saving your money people always remain risky and useless as people ready to take advantage of steal your money is better to invest your money on time. It gives security and all risk to be stolen money will be vanish from your mind, investing your money in form of crypto gives online wallet security as long as you want.

Budget allocation is a comprehensive solution to this problem because as many sources of our information and analysis, saving money in banks is never so attractive, the risk will always appear to those banks of poor quality, especially the interest rates maybe not too high for every year. However, all of this is not to determine that investment is better but at least investment will make more profit when we need to take big risks, but there is no certainty, so always keeping some money as a precaution is a reasonable allocation

If you are here to grow your capital, I think the better way to grow it faster is to put your capital into investment type of
business. You can do this through  day trading, then if you have excess money you can try to buy Mining rigs, or invest in some
of the potential and promising project, just make sure you review it well before investing in it. While Savings is only good to hold
Bitcoin and Ethereum.

I don't have much confidence in depositing money at the bank because it really cannot make you a good profit and the holding can be very risky. I think it's best to invest in Bitcoin and Gold because these are the two safest asset types right now. Everyone has their own options for investing, but do not deposit in the bank because this is an unprofitable investment and will not help you in the long run.

It`s better to put your capital to work for you and generate profit, then to put money on the side, in that way with rising inflation your money just lose value over time. Fiat saving in banks, and earning interest on that is good only if you have a lot of money to put there, in that way to have higher interest than inflation is rising.
Investing in crypto in last decade turns out to be the best possible investment someone could make. It`s not over, prices can go higher and I believe they will, people will regret for missing opportunities one day, mark my words!

Most people nowadays, they believe that saving money is all about saving money to the bank right away, and even though they make a small profit because their money is safe to put in the bank, they are more afraid They use their money in an investment scheme that has a big chance that it will grow big but it's also a gamble and they don't want to gamble because they fear losing their money.

It all depends actually on what your goal is.  If you have enough money to live the rest of your life out than putting a lot in savings is not a bad idea.  I know plenty of people who were close to retirement and lost a decent amount in "safe" investments.  Point is different folks different strokes, depends on the situation

"People don't actually want to invest.
They expect something they buy to increase so much today or maybe 2x or 3x the next day.
And as you said, most people don't even realize what they're getting by getting into the fomo, they are just buying hyped assets and losing money.
In fact, this forum provides really good investment advice that we all need when we are struggling.
If people spend enough time here, they can learn a lot beforehand."

I'm still young I don't save money I only invest. As a young person I'm always looking for a better way to invest my money so that we can grow together with my investment. I'm too young to start saving! Saving is for the old guys.

You got the point here with investment. Im glad you start to invest at a young age,you have more gains when you reach at retirement age. If you lose on  your investment, you still have more time to recover. Do not confused investment with savings as most commonly happens. Savings gives you a minimal interest and even not enough to cover inflation while investment gives more.

investing is usually better than saving because you can grow your money. However in a bear market, it may be better to save money because the market goes down. over although investing is better because you can grow your money over time. Saving is also good to have a financial security net.

Investment offers a lot of room for capital growth. Take advantage of compound interest and don't be captivated by the risk it offers, every decision as well in investment requires risk but if we are dedicated enough to study where to put our investment and do our assignment to check it before investing it lessen the risk. Have investment as young as we are and healthy but still have some cash or savings that can be used if urgently in need of money.

Savings is putting money aside and not using it immediately. Savings, alone cannot form the increase in wealth, because it can only accumulate funds. There must be the mobilization of savings, and put it into productive uses, that's where investment comes into place. Investment is making our money grow, and making it works for us like buying potential asset that can generate safe and profitable rate of return overtime. Investment can be risky, it has its ups and downs, loses and gains, but can be very lucrative, it's very important that we are armed with the skills and knowledge, and acknowledged the reality that without risk there is no return.

Your right but for those who didn't have an idea on how to invest or they don't have the resources to do it then they will prefer to atleast save their money.

But if you have time and resources then investment is the best option to choose. Even if there is a risk in investment, you will not lost your hard earned money easily if you will just do it right. And last thing, don't be greedy in investing your money so you can play safe with your investment and seek the guidance of others who became successful.

Yes investing is the best thing to do to grow your money, instead of putting money in the bank will only give you spare change. Off risk involves when it comes to investing but as long as you know what your doing you will have a chance to make profits.

The better things to do is do both savings and investing , invest to make money grow and make your own bussiness if possible it will help to save more money.

Saving is for the future no one knows what will heppen in the future so better to be prepared as always so if times comes that you need your money you have savings that can be use .

The reason why case studies have been developed and kept on evolving is to help people to understand the typical risk which is accompanied in every  investment that it will take. You don't need to think about the risk if you are done doing your research and you are already confident with the knowledge you already earned about the business. Risks should be handled properly in the sense that you have a target timetable in continuing your journey. If things won't come up according to your plans, your previous case study will lead you on what to do next, either to prevent further damages to your investment capital or switch to another business opportunities.

Indeed, it depends upon your decision, if you'd like to earn in a safe way then go for savings but if you want more profit then go for investement. In crypto industry if you just purchase a coins that has a potential and you just leave it in your wallet there's a possiblity for it to gain profit if its price pump. However , if you want to succeed then you shouldn't stay in your comfort zone and take the risk because the more risk the higher profit you'll get.

Depending on the type of person, there are those who prefer saving because it is safe, while investing has risks.
I have started investing because it's better than saving in my opinion. Because some people think investing is a gamble / high risk.
maybe with a little education people will understand what an investment is, not all investments are profitable but it's better than accumulating your money and the amount is reduced because of inflation.

I think it is wiser to have both savings and investment. However, when investig you should have an idea about it because there is a risk. Some people jump into crypto due to FOMO and would even use their savings, which is not a good idea. Investment is effective if you are aware of the risk of what you are investing into, that way you will know the steps that you should take to be able to gain more.

Investment is also risky just like gambling, but once you invested in a trusted one then I think it will become safe. Some investment is risky just like when we invested with bitcoin because the price is not stable. The investment will make your money grow as the time comes but depends on the demand of what we invested. Then savings is just a matter of our savings that if we didn't put money then it will also not grow.
Having savings while investing is a good tandem. It is better to have a savings and investment at the same time because once you gain profit on your investment, to make it safer then keep some of it in your savings.

Investment has the potential to provide greater returns when compared to savings. Saving is still needed for sudden needs, but by saving only our money will not grow. 
With investments, you can make a lot of money.  However, let your life be prosperous and safe in old age. You should have these two instruments.

So, there is an emergency fund, capital for long-term needs is also available.
If saving and investment can be run, it will get very large returns.

if we were a businessman, I don't think we would be able to choose one of them. saving, and investing are related. like the return on investment, we need to save a few percents for the future, or something else. if we only make investments, it will be very risky, especially when our investments do not go well. deposits are needed when our investment is not going well. therefore, in business, try to save 40% of the money you have, and the rest to invest. it looks pretty good, right?

That being so, since investing your money in cryptocurrency is too risky, saving up first is the thing you need to do, it is the foundation of your investment just in case your plan didn't go out well, because if you will put all your money in investment, when the rough time comes and you need some cash, you'll probably end up selling all of your cryptocurrency, which is not recommended because we all know that the market is not always in bullish season.

I'm technically doing both. I save my money when the cryptocurrency marketing is unstable and I invest my money when there is an active bull run in the market for easy profits. I don't actually trust HODLing any cryptocurrency as they are very volatile in nature. thus, I prefer getting out when the market starts experiencing a correction.

Well, yes, how can anyone argue that investing is better than saving?

An important thing to consider tho, always keep an EMERGENCY SAVINGS FUND. By nature of the name, emergency funds are essential when you need cash and FAST (in emergencies!). With investments, theres always a layer of bureaucracy that you have to go through before you get your money, and this is not good at all for emergencies.

You never know when you will need it! Better safe than sorry.

They say iIn every crisis, there is opportunity. Well, crisis is still going on. Invest and also save. It makes a difference with the life status. A family man will do everything to provide for his family, he will even do both save money and invest for the future and at the same time work harder. For a businessman, he will build a business thru his savings and get busy with it like its his investment. But for someone whose purpose is to get rich, get high and throw party with hookers, he will rob this family man and the businessman. 

Well, this mindset was quite good. Both are a great choice but I would highly recommend investing first and then once you earn from it that's the time that you'll be able to save your profit. In that way, you can do both the investing and saving as well. Although it is risky as well because you might lose all that you invest but in order for you to earn big you must take the risk. Indeed, remember that every businessman must know how to manage risk just to survive and to be successful businessman.

Yes in everything you will have both you will have to spend some amount and some will have to save.  Best way to make money is spare some amount to hold until it increases but in from of investment. Right now we should have faith in making investment but in crypto. Holding some money for daily needs is good.

Only save when you have a big fortune and not worry too much about finances. I usually trade when the market is in a sudden downtrend because it is the opportunity to earn the fastest profit without worrying too much. Of course, it's not always successful because sometimes I have a lot of difficulties. In my opinion if you have made a good profit from trading, you should spend 30% to save for the future.

Many young people don't do this because they don't like it. I think this is a very wrong idea because there will be times when you will have to use the savings to use for daily life.

Indeed, saving the savings must be around 30% for the future, the rest we are trading in cryptocurrency until now I still set aside money to buy coins that have the potential for an increase, but I am still looking for it and do not know which coins I will invest.

For me, Investment is the best way to make your utilize properly if you can put your money in a proper way, So first of all, you need to get access to a profitable and reliable investment source, but you should also take a risk regarding this issue, you know without taking risk, you can't even make a penny from Investment or trading or something like this. In comparison with saving with investment, I always prefer investment because of having more opportunities to make more money than saving, yeah I know that saving is the safest way to keep your money but some other reasons behind in the investment, which is dynamic. But it depends on your mindset and interest, If you are interested in saving then it would be best for your, Decision is yours.

The good thing having a savings is you can use this on the future in case of emergency and having investment will depends since there are for long and short term.

I would say that investing on crypto is for short term since the market is moving up and down everyday and it also depends on the news that might affect its value.

Saving and investment terms used for the remain some money so that use in the future. saving is part of the investment. An investment is an asset or item acquired with the goal of generating income or appreciation
Thank You i hope you like my answer

Everyone are required to have especially for emergency purposes, that's a must.
It is recommended that we both have for emergency and for our future investments so we can also grow financially as investing is the only way to achieve that, but there is a risk inherent to it so we have to be careful in assessing the risk.

I think its appropriate to focus on long term investment especially if we don't have the skills on short term trading.
At least when we are focus in long term, with just holding, we can expect some improvement.

When it comes to crypto industry savings and investment is most likely the same in the way of, if we tend to save our coins it will eventually gain a profit as the inflation occurs. If took investment you tend to spend your money to buy an asset to hold and as the price increase, it will also gain a return. Basically what I'm saying is that even if you save there will be times you'll spend it as its price pump and that perspective could classify as an investment.

Saving also includes investment, but investment has more risks. However people who save are good at managing their money. Moreover, in the future if you have retired from work, these savings will be useful for example making a business or other things that are profitable.

If you want to play safe, saving is the best option for you. If you are just looking for your save money to be enjoy after your retirement. But if you want to grow your money instead being stuck from your bank account, investing will be the next option though there's risk involves you need to have a good view and positive believe in order to attain success.

Saving is not a method I would prefer to be honest. Investing and waiting, then selling an asset is what I like. We need to choose that we will invest carefully and timing is really important. I tried to HODL some and I ended up losing more than %50 of my funds. Market is not going very well in the past 2 years. If we are to buy alts, these months are good to buy because we will see an increase in the future.

Exactly it is useless to save your money but investing it can give you profit. If you save Your money so long even then it will remain the same but if you will invest it so it will increase and make profit for you. You should invest your money or makes money more than double. Waiting will be reward but try to invest in safe site avoid scamming

I also don’t consider investment as any form of gambling. Other than that, investment is much more beneficial than simple savings in terms of money and as you have already mentioned, both have very different intentions behind them. Investment is for making money ultimately, that means you do not have enough money or want more. Contrary to this, saving means you have some money and want to keep it for future use.

Investment when you know you can take the risks.
Savings when you want some stability in your life.

its the same difference between having a girlfriend and having a wife.

For me I prefer both, why? Because in savings I am saving money in order to have extra money in case of emergency and etc. While in investments I am investing my money in order to have enough profit by just investing it and sleeping my money on the investment that I've made, for example investing in bitcoin, you are just putting your money in bitcoin in order for you to earn a money when the great pump up comes or when the pump up comes, but when you are just saving your money your just making it to sleep and no progressive.

I guess that you need to invest and save - both of these variants should be chosen.

Savings must be sufficient enough to use this money at least for 2-4 months until the crisis is over or you get no profit from investments. On the other hand, investing in cryptocurrency will give you one day great earnings, which can be the best payment for your patience and the right choice as well.

I almost gave you merit for this great analogy *claps*

Savings always come first, in case something important came up like an emergency, then second is investment. Investment for me is a way so you could multiply your savings, the only difference is that, savings are just a sitting cash, and investment is a passive or active way of having income. People who doesn't know what to do first between these two happens to lose money or profits all of the time.

WE should know always our priorities to be able to make decisions we are not going to regret someday.

Yes you have a good point. But I think people always choose savings rather than investment because they don't have enough knowledge to invest. And they are afraid that their savings and capital will going to loss because they are not knowledgable. In my own opinion it is good to invest then save your profit in fiat money form.

It's alright to think of investing but you have to understand the risk.
What I followed is a procedure that should be done for everyone who are willing to invest, first step is to learn how to save then start investing.

You also don't have to put all your money in investment, you need to ensure you have funds for your emergency as we can never expect what will happen in the future. If you struggle to save, that means its not good for you to invest.

In my opinion saving and investment are just as important, to be successful requires both. It's just a matter of how
we split the portion of our money, now that 70% of my money are invested.Then the another 30% just in saving for
daily living expenses. Now for investment is split again become 50% long-term and 20% short-term. Until now go
according to plan.To anticipate losses in investment we must increase savings by looking for extra money. I have been
undergoing my financial arrangements like around 4 years, fortunately running smoothly. I wish all of you success too
with your respective financial strategies.

Certain things are meant to be saved and the ones you mentioned like property etc are among them but the list needs to be updated because we live in modern world now. So the assets mean different thing now. People are using plastic money, they want everything at a click away and bitcoin is the best currency to fulfill their desires. I consider bitcoin as a saving rather than investment which is going to help my future generations.

Savings are essential in our daily lives and if you are working in this market then this is something you should consider in the near future because that money will help you a lot. In fact, I always spend a small amount of money to invest in this market because this is the place that will create a lot of benefits for me and I can manage my assets without being controlled by anyone.

In my opinion, only spend 5% of the money you earn to save because it is the minimum for you to feel safer in this life. You probably won't have to use that money right now, but you will certainly need it if there's an emergency.

This is an investment, not savings. Savings is the cold cash that you have inside your safe, or in your bank account, and this is the life saver of most individuals that lives in the society. Savings is your triumph card so that you will not sell the things where you invested your money like properties, stocks, and shares when crisis comes.


Investing is always like that, it is now or never in investing, trial and error, to know what will happen in the end, without risks your money will run out before you know it, and that is more scary.

There are many different ways of dividing your asset depending on your own needs. There are many suitable asset plans for every one of us it just differs in every situation. Some people tend to invest everything they have which is very exhilarating, They might have their own plans that are embedded in their minds or maybe there are someone who focuses on saving than investing. Like you do save for a piece of machinery that will turn into an investment someday.

Go for investments.

Personally, my savings are just my emergency fund. They consist of about 10% of my investment portfolio. I believe savings accounts are foolish if you expect to grow your money at what, 1-2%, per annum? You only live once and it's more important that you try as much as possible to grow your nest egg. Investments earn way more than what savings accounts can earn in much less shorter timeframe.

Savings and investments are in a different way, you are making savings for some emergency happenings that may happen to you and in case of you need money you can easily have money because you have savings. Savings in a bank just like having a 1-2% of interest will not make you earn good profit but when you start to invest your funds on different investments it will help you to earn a lot and those investments will give you the profit you want, as long as you know where you are investing at.
That is the difference between savings and investments.

some people want to take save action with their money.they think its very difficult to earn money, so they prefer save it bank with low interest but give more security and certainity.only less people that courage to take some risk by investing their money into financial market that have high risk such as forex market, stock market or even cryptocurrency market.just take decision that suitable with our type with deep analisys , don't just following suggestion for friend or anyone else.

Investing doesn't mean playing around with your money and making tough decisions with high risk. Cryptocurrency is way too volatile to pour your savings into. It's gambling with your savings. Sure play with it if you have excess money you don't mind losing, but the general advice from this sub is to don't put money where there isn't a guaranteed return on your investment. Especially if it's your savings.

In terms of cryptocurrency saving, it's also called an investment for sure, and Investment is just a different thing which includes a lot of risks factors, While you invest in somewhere, then you must get involved in taking the risk, but saving is different criteria which only include the risk of storing something, But in terms of profit obviously Investment is more capable than savings, but I don't find any higher difference in the cryptocurrency platform between saving and investment, If hold Bitcoin that must be called it saving and investment as always, but in different aspect, Investment is always far better than saving, Because investment create a movement and further mobility, You know when it has mobility then it creates another window.

In my view, both are profitable ways and we have to try out both to maximize our potential profits. The investment looks a bit riskiest than saving, but its potential profit is also larger, and sometimes we have to take the risk to make money. Saving involves risk too, because the market is unstable and the volatility is still high, but if you choose to hold the most promising cryptocurrencies, then you can easily minimize the loss.

Choosing the most promising coins for saving still carries a very scary risk because you and many people also know that the pace and changes of the market never maintain a perfect trend, every altcoin has a chance to fall into a severe collapse, saving as a gambling game, we risk too much and it's hard to see a good future. While investing can bring a sense of risk to everyone but everything here is in our plan, we will limit everything before it goes out of control, maintain a certain level of safety over saving

because traditional norms existed before investment. I mean investment is not very certain. so saving assets is the best thing. For now savings and investments are better investments. because savings will increase according to the price of goods purchased has an increased value. bitcoin and blockchain are the best investment places in my opinion. because the increase is very fast and will be the technology of the future for world finance.

Not everyone should go for investment. Savings and investment is not comparable in my view. Because I believe, invest what you able to lose willingly, where savings are totally different. I don't want to talk about those investors, who run by FOMO. But are all wise investors happy enough with their investment? I saw a lot of experienced investors people who lost control by losing huge money. Savings is for the future needs, anytime you can get attack by accident or big issues, the investment can fail to help you on time, where cash money is always like a best friend.

Better hold coins. You know, this way you can catch big trades. Big movements. In day trading you buy and sell frequently and don't sit in a position waiting for big movement.
My decision is to separate your accounts for long and short term trades. This way you can catch good movements and scalp everyday at the same time

Of course, investing can guarantee you a quick profit, but saving is more reliable. If to speak about fiat. And who said that it’s hard to make money on savings? In cryptocurrency there is no actual difference between savings and investment. You can buy eth or btc or what ever currency and in some period of time you will make a huge profit because of growing market.

I will choose i choose investment i will put my money on bitcoin because i know bitcoin have good future that can give me a good life. So investment in bitcoin is the best way to earn more money than to saving. If you save your money on bank only a little bit profits in a month you get.

I would prefer investment rather than saving because in saving your money won't grow but if you invest it especially in crypto you can assure that you can be able to earn a big profit on it. I think it's just like saving because investing in crypto is good for the long term so I think it's just like a time deposit on saving on the bank.

Savings is good but investment is better. Instead of putting your money in bank for small interest, it will make more sense if you will invest it in business. Undeniably crypto is a good investment too but business that you can manage is better.

I used to save at a bank for about 2 years but I didn't get a bigger profit from the savings, then I decided to invest in bitcoin and other coins, after 7 months I got a pretty big profit compared to saving at a bank, why did I choose bitcoin because bitcoin can increase in a short time.

I am also against these saving plans that are advertised all over the world. The thing that I hate about them most is the ratio of profit they offer us. We shall never ever fall into their traps. They are becoming millions and billions from our money and in return we getting profit as beggars. Investing your money somewhere sensible can increase your savings hundred folds.

Investing brings benefits to investors and saving is only a small amount of money to help you when needed. I think before you enter this market, you must have a clear purpose because if you choose to invest, you must make a good profit. Actually saving is only a small part of the investment but that savings will help you a lot in the future when there is a problem that needs solving. I personally always spend 3% of profits to save because I will definitely have to use that money someday.

I agree! Don't save just to save. Save to invest! If you want your money to grow, saving it is not the right thing, investing is. Savings are are not exempted from inflation. In our country, inflation is averaging at 5% per annum while interests from bank savings are just 0.25%. If you will just save your money, it will not beat inflation. I have nothing against banks but if you're looking for a good way to grow your money, it is not advisable. Save your money in the banks only for the purpose of emergency funds or immediate funds. If your looking for capital growth, invest your money.

We save for sudden and emergency needs, so if you say that saving can't be enjoyed? You are wrong, saving is the safest and has no risk, it's just that saving will still lose value due to inflation. While investment is risky but we will not be afraid of inflation, we can also earn more through investment. In my opinion both savings and investment can be enjoyed, both have different advantages in various aspects.

Of course, you can savings for the future. But looking at the market situation, you have to invest in the profit. Savings money in bank, there is no possibility of loss. Investing is done to make a profit, but there are times when investment losses suffer. Despite the loss, the investment is more likely to be profitable. In order to get more profit in less time, you must invest. So, I think an invest is better to earn a profit.

Just to let you know that saving your money in a bank is a way of investment. The reason of that is because you gain compound based on the time you store you money in the bank. But due to the low risk that is involved in this kind of investment is not so much profitable.

Bank willl only give small interest annually around 2% and it takes 50 years for you to get 100% interest to your money invisted. which is long time unlike you make your own business and use  your money you will  earn much more some times 100%  interest in just a month or two.

I'm actually saving my money right now as a prefer investing when there is an active bull run in the market. If you look at the market right now you can see altcoins are doing so well which is a great chance to buy altcoins but I prefer not to until the right time when the market is gaining momentum of course. 

It seems to me that it is necessary to clarify that deposits in the bank, which can be profitable, are primarily deposits, and not just the accumulation of funds in your account.  But I am sure that not a single bank will give such a favorable deposit percentage as an investment in a profitable company can offer.

Investment is the thing that attracts majority of the people in the world because everyone wants to grow their savings. Investing into coins that double your money simply by keeping them in wallets is something that everybody wants. You are doing nothing, you are totally a passive player in this game and people love this thing of crypto.

Investment shouldn't be gambling ever.  If you're actively trading crypto or stocks for short term gains, that's gambling.  If you're buying something to hold for the long term, that's investing.

I've always been a proponent of investment instead of saving cash.  Sure, if I needed to save up for a car or some other big purchase I'd sock away cash in a bank account or whatever, but spare money always went into the stock market and lately, cryptocurrency.

If you keep your surplus funds in a checking or savings account, you're a sucker because of interest rates being near zero right now.  You've got to put your money to work for you.

of course invesment is better than saving to make much money, it can get good return if choosing good investment place
there are many investment places in this world, start from low risk (deposit) until high risk (crypto, stock), just suit with our type

Depositing money cannot be called as investment, its just you are saving your money that you are entitled to receive a little interest.
When we are talking of investment especially in crypto, we are talking of good return like more than 100% because that's the kind of return we will get if we are successful by taking a high risk investment.

Buying crypto is a sort of high risk investment but it's profitable investing here if you have the knowledge as you can choose the right coin which you think has a potential to rise.

Indeed, if you want to grow your money or have a big gains in the future investing is the key to achieve it. I prefer investing in crypto and business while saving the earnings I get from it.

I have a business for few years now and doing well, I cant say its a passive income because it depends on our sales but somehow we are surviving and still growing.

Saving is needed but investing is a wise thing to do if you want your family to have a better future.

We really can do both of them, because it's nice to save your money for an investment plan. Just think about raising funds at your own and buy Bitcoin for your holdings. Plan accordingly and once you reach an enough amount you would see the better outcome once it gains great amount of returns.

Having a savings while doing some investment is the better way around for you to reduce losing of your funds so it is highly recommended to use both of this strategy to have a better result. if you have an extra money that you can invest then do so but never use your savings for any risky investment even it offers a big profit.

Yes, doing both is more effective and Never invest all your savings because it is risky and all you have to do is you have to add your savings from the profits you get from investments outside of your initial capital when investing.
so I'm sure you will become rich because it's the most efficient and smart way.

if our saving from profits mucb enough , we could use to invest in property or land.in a year  this investment has good return.more than 25% in our hand from property in a year.maybe if i have more i will invest on it.save our money in the bank only give us the security but not for return.meanwhile property give both of them.

Case studies in this time is considered as experience, we can either win or lose at that point but it's up to us how much we wanted to risk in that moment. They as we experienced and gain skills thru researching that's the only time we will able to realize what suits our risk appetite. There's always a dry run before increasing amounts we will invest.

investment is the act of putting money, effort, time, etc. into something to make a profit or get an advantage, or the money, effort, time, etc.

no matter how small the return, it's still investment, that's why i said low risk and ofc low return too
deposit is good for diversification asset, so we have investment that safe from volatile

between savings and investment In my opinion there are advantages and disadvantages of each. when someone has a lot of money and without any urgency in themselves, in my opinion investment is very suitable for someone as long as investing on the basis of investment knowledge and carried out in the right way. but in my opinion, savings also have advantages. when at any time someone has an urgent need, they can immediately take their money without waiting for the specified time. investment is very good for profit, but it will not be as expected if the investment was made because of FOMO.
I think investing because FOMO will make someone regret if the price is not as they expected.

As long as talking about the NEED of money, I would say that if a person has a large amount of money then it is very important that he should keep half of his money for any urgency because nobody knows the time of emergency, while for earning profit a person need to invest his remaining money in any legit site. So I think everybody should keep BALANCE in saving and investment.

In my own personal opinion, it will be better if you both do saving and investing your money. Which you will save the half of your money, while the other half of your money you will invest it in a coin that will give a good profit. By that, you will balance your money without taking any huge risk.

In my opinion both must be balanced. of course not all the money we have must be invested because we also do not want to get a loss if it turns out there is market chaos. the money we have must really be planned for many needs because we ourselves can get these benefits

Some people usually not really want to do high risk investment. That is why a lot of people in here said that we must balance between saving and investment. But for focusing in investment only, it is worty to try. Not means we must try, but maybe worth to try especially for bitcoin.

yes, if confused between saving and investing, it's better to do both. if your investment is successful, you can increase the number of funds to invest, or invest elsewhere. You can also add to your savings if the investment is successful. besides, if a bad situation occurs, and your investment fails, you still have deposits. basically doing 100% for investment is very dangerous.

Looks like he didn't understand what you've said :(


that is exactly his point, that is why starting from low or small deposit is a safety move since mostly of the investors begins without no knowledge at all, I mean only a little. There is no point of risking all of your assets in just a single investment, that is not healthy, that would just give you some fatal damage on your financial income and could lead also in a serious debt.

We should not just stick to whatever we have right now, especially if we are just earning fix income from our salary, better to invest something that can give us passive income just like stock market, doing day trading, holding crypto in long term, we should maximize our source of income, don't just be contented in just holding crypto and in our fix monthly income.

Yes as when you are new so its important to know about how to invest and how much to invest. I think safe to invest small amount then with passage of time when you will become expert you can increase your budget for it. If you will save your money so its not going to give you any benefit better invest your money so it will expand with each passing day

Saving is still effective especially when we know how to handle and control our earnings without putting it at risk. Investing could help us save through the profit that we're gaining but we should still look for a potential coin so we should have an assurance that our investments will grow in time. We only need to apply the basic strategy of crypto investment.

No matter how much amount of money you have, it is important that you divide your money into four sections i.e. one for your emergency, one portion that you give to your family, one for yourself because you also need clothes, food etc and the last portion for investing something into great markets such as real estate or bitcoin market.

Inflation will not make our savings decrease so I think saving and investing are a good way for future goals, try not to be greedy in terms of wealth because if you rely only on wealth you will continue to feel deprived because of inflation. When you are satisfied with the benefits of savings and investment, it will be fine for your finances.

It depends on how u are going to use your money. Saving is safe, its true but if you want to make more money, you will have to take the risk and invest in something. It doesn't have to be with your all money. You can divide your fund in pieces and invest %20 - %30 into some projects you see future in.

I think it's true that you say, investing is more profitable than just saving. only usually investments are determined by time, while savings are not bound by time. for someone who has a lot of wealth, I think investing is the best choice to do. but over time, the types of savings in my country have varied, now there are investment-based savings. so in my opinion savings and investment both have their respective advantages.

There are still many ways to avoid inflation and actually not only crypto investment instruments that we do, there are still many ways to make us maintain wealth. starting from Property. gold. stock. everything we should run and when actually saving too many banks also provide interest-bearing savings programs with the aim of avoiding inflation

Investing can make you financially stable if it became successful. Once you already gain something from it you can start saving those earnings. However investing has a risk that something might not go as plan and its the consequences you have to face if you chose to invest your money. Saving and investing are wise thing to do to prepare yourself for the future circumstances.

investing is better than saving if it is done in the right coin or asset. If a person has saved good amount of money over years and invests it in a scam co in, then obviously he will face loss. However, if he invest it in to bitcoin then obviously, his simple investment will return huge profits in a short period of time. All strategies have its own pros and cons and some prerequisites.

Investment is the best if only ypu can make the right investment choice.  But the unfortunate thing is that most investors always make wrong choices when it comes ro making good investment choice and this leads to subsequent huge loss, this is not only applicable in offline investments choice but also in crypto.  To be on the safer side to benefit more from investment than from saving, awlays seek the investment advice from mentors and veteran in the specific you would want to invest in

Saving is the relatively safer option. With the way the FDIC insures funds, you can't really lose your money if the bank goes under or something happens. You're covered by the government. Investing makes more money in the long run if done correctly. But, it can be relatively dangerous if you invest in the wrong asset. It's a matter of risk versus reward. The more the risk, the more money you end up making. Basically, the same goes for crypto trading as well.

Saving money on and investing is also important. especially our finances must be balanced. no ambition in investing and also not too much to save money in the bank. everything must be planned based on our income in order to find out how to manage finances.on the internet many have discussed how to divide up finance

Expert crypto traders said that, only invest money that we can afford to lose in crypto.
Because investing in crypto is the highest risk of any investment, our assets can be dissapear due by hacks or losing a trade.
So, savings money should be not investing to cryptocurrency

Saving is less risky and hence less rewarding. The only risk associated with saving in a bank is bank defaulting which is less likely to happen. While in investment if your strategy doesn't play out, you'll lose. There is more risk but the rewards are high too. I would suggest to keep some amount in saving accounts for contingencies. But don't let your money sit idle and earn less than the inflation rate to lose value. Rather make investments according to your risk appetite and grow your money.

Exactly. The matter of knowing what to do with your money and what is your goals, if you have a good money management skills and you are keen in learning the process of growing your initial assets instead of keeping it from the banks or from your safe box. Investing is the best options which can lead you to received more, proper research of business that you'll going to invest your money is very necessary in order to find beneficial venue of investing your money.

It's a wiser move if you want to invest your money in business or in crypto. but there's a fact that people are still lazy like you said. FOMO is always put them on that situation and regret it at end. if you want to invest and want to earn more profit no need for guidance. at first you are aware everywhere there are greedy and scammers, that's enough to make it our motivation to learn and do a process.

savings for the final safe stage, so priorities for profit are usually explored through other things, including work. The majority of people use this because of various factors, including opportunities and abilities.

investment also does not always focus on a single asset, investors divide their assets into medium-risk to premium businesses. This is done by people who like to look for opportunities. Risk is not an important obstacle because they have chosen to get used to it, especially in the crypto trade.

I have invested and also saved every month. I have arranged both by looking at my salary and monthly needs so that everything can be more organized. several times at the beginning I was not so able to manage finances between the needs and also investment became chaotic. but once I understand about investing that's where I've gained knowledge about managing finances

Yes it is better to have our money in the invesment, because its price goes up in the long run. It is not like fiat money that what you have left is still worth your return.
So let's go to the invesment and hold on for a long time!

I think it's better you can do both, storing assets in the form of bitcoin can provide a lot of benefits because the price of bitcoin every year will experience price increases due to the influence of very limited supply while demand is very high so the price can increase so when you save bitcoin You can get many benefits from bitcoin.

Investments are better than savings, investing can help us to beat inflation while savings cannot. It is better to invest because our money is continuing to grow while in savings, our money are continuing to depreciate because of inflation.

It is always a little problematic in the beginning to manage money. The reason is that we are unable to do good estimation of our needs and expenditures. We simply fail to manage rather limit them well. Savings and investments are only possible if someone does not spend his money in fulfilling all desires. It is good to hear that you are doing saving and investment both. I hope the investment is bitcoin.

In my opinion, savings and investments are completely opposite things, but which are very important, applying them simultaneously.  The fact is that investments are profitable, although in this case the investor is at a certain risk, since successful results depend on many factors on the investment.  At the same time, savings are those means that a person can dispose of at any moment.  Proceeding from this, an intelligent person should invest his money in a promising project and, from the income received, save some of the money for savings.  I believe that in the cryptocurrency market there are quite a lot of cryptocurrencies that are profitable both as an investment and as a savings.

If you look through an investor's eyes it is much more riskier to keep money in fiat then to invest. I mean look at the inflation. In some countries you lose even 10-20%/year just by holding the cash under your matress. That's not acceptable! We need a replacement that it is both a store of value AND an EFFICIENT way to make transactions around the world. Bitcoin is the perfect solution for this + it is not centralised(controlled by any central entity) like USD,EUR, GBP, etc. are.

Most of us have jobs that are paid in fiat so in my opinion the best way to handle the situation is to get rid of the fiat as soon as you can. Be it for personal needs or especially for investments. It can be everything from good quality stocks to bonds, real estate, gold, you name it.. but you need to seize that value asap.

   ChrisPop I totally agree with you. Holding fiat will get us nowhere, the amount we hold will lose value over time. It`s better
to put fiat to work for you as soon as possible, real estates, gold, crypto-currencies, or anything else, everything is better
then fiat.   
   For more then a year all my extra money from my salary is going into crypto-currencies. I don`t have savings in fiat, only
in crypto-currencies. I believe that future will be on my side!

Savings are good because when the market is down it will help you to meet your expenses. If you have no savings then you will sell your coins when you need money no matter what is the price of bitcoin or altcoins. So savings always help and investment only helps when the market condition is good.

if you are afraid of inflation, then the best thing is to invest in gold, or other physical things like houses, or land. that I think is quite safe from inflation. the thing that I think about is, it will be very good when you invest while saving. We don't know when we will really need cash, so saving will be very useful for that, even though you focus on investment.

In my opinion us, nowadays we believe that saving is greater than investing, most of us believe that analogy when it comes on handling money or budgeting our own money. But we tend to forgot that when it comes in reality.Its better to invest, in savings we just save and that is on the long term factor because we literally dont have an income on that we just save it that's it. But on  the investment yes it can be a short term, vice versa but we can either earn or loss a money if we dont know what are we doing. So i'd say its better to invest, wiser rather, wiser to invest.

In the field of investment, I always have a plan and always divide the capital most effectively to suit my life. Now if you are a good investor, saving is always necessary because this money can solve a lot of different problems and you will definitely have to use in the near future. In fact most people often ignore this money because they find the savings are unnecessary and this is their biggest mistake.

Every time I make a good profit from the market, I always spend more than 10% of my profits on the savings because this is the money that helps me feel safer.

That shouldn't happen if we just know how to use our fund wisely, we don't need financial adviser, but just follow what experts are saying, to save 20% of your total gross income, invest 10-20%, and the rest for your daily needs, payment of bills, learn to value everything that we are earning because we don't know when we will have good income and when broke.

I agree with you, everyone knows that saving will not increase profits but it is safe and not much risk, investment will lose money and have many risks. So you accept losing money and becoming rich, successful or forever immersed in your safety and then live forever demanding such, as you say, the risk is inevitable but you must reduce it significantly tell and manage it well.

investments might be better and might make a lot of profit. so I think now this investment can be used as the best option. good management and management of investments I think it will be easier to get profits. so maybe this is a better thing than just saving.

No matter how we try to analyze on this, people will still prefer to save up their funds and spend whenever they wishes to. it has never been easy trying to invest on projects or investments that we are not sure of. it is only when we see a little benefits that we try to pay attention and interest.

Even though old people are enthusiastic about accumulation and have good fortune with this method, I think that saving is not a very good method and it is a very difficult method. Of course it is not easy to invest and earn money by managing that investment correctly, but it is possible to obtain more returns with the right management. On the other hand, waiting for the money to be used in the accumulation process will not increase as long as you do not add any economic contribution. Finally, I would like to point out that investing is not the same as gambling. It is possible to obtain a very good return with the right investment and to close the position with the least loss with the right investment strategy.

I think we should make savings first.Then you can invest part of the savings.If the investment made a profit, you can invest another part of the savings. After all, investments are a riskier asset than savings.

I think it's a bit risky if we use our savings as capital for investment. It would be better if we routinely take from our income specifically to be made an investment. So we no longer need to take money from our savings.I learned this from books published by successful people in the world. The investment itself is very risky, so do not add to it by taking from savings

Thanks for sharing this thought, from which book please and who is the author, I really love learning how to invest from different experts as one day I believe that I will have my own business too, right now I only have mini shop which covers our daily expenses and I am hoping for more income especially passive income that will make more money even if I am sleeping.

you are perfectly analyse the real market statistics, Everyone carefully saving the money on next one year. Because recent years crypto will grow and fall at gradually, so we make profit or loss we must hold the few more months. I hope those are invest long term they always make some profit and savings are right to way to protect our investment.

My point of view is Investment is far better than savings because is 2 in 1. But it is also important where you are going invest like if people who are saving in banks start making investments in crypto or in just BITCOIN they have far better chances to increase their profits and accumulate their wealth. I wish one-day people will understand this

Invest. Saving money at a bank at almost 0 interest rate is the dumbest thing ever. BTC's so low atm, time to buy!

savings do not have to be linked to inflation and still must be aimed at increasing the amount continuously manually, many basic things to ensure at least they stay safe and not be tempted by many things that risk faster. Investment is the opposite where accuracy in ROI takes precedence and continues with further benefits, these two things are very different in context and purpose.

I personally would rather invest than keep money in an account doing nothing. However, one should know that investing involves risk so doing it wisely is very important.
Someone once told me "Poor people who don't know how to use money save it in the bank so that Rich people can borrow it to invest and get richer"

In my opinion, it is necessary to have a specific plan and allocation of capital to suit the current life. I think you should only save from 10% or 20% of the profits earned and have to switch to Fiat or Stable Coin so your savings will not lose value. I have been doing this for the past one year and in case of an emergency I will use this money to secure my life. Of course, depend on each person's thoughts but savings are essential when investing.

The problem with saving is no matter how much money you put aside to buy a car, payment for the house or emergencies. Once its all used up it will be gone like a bubble but in investment that money could potentially grow, you could even aim higher by being financially free and have no more bills to worry because of the success you put on investing assets, properties, shares it doesn't have to be always crypto. There are lot of opportunities to grow your money just invest wisely.

You can start by reading Robert T Kiyosaki's books. Have you search for yourself which book you are good at reading. But the basic thing is that you are good at reading The Cashflow Quadrant. Next, you might be able to specifically look for a specific book on how to manage our money so that it can be truly targeted. I mean how to manage our income so that we can more easily use it as an investment tool.

Even you save your money for long time in bank it wont grow because of the small interest.

Investing is still better because it can maximize your earnings but it depends on the investment you chose. Now the market is in bearish trend and a right timing to enter the scene since the coins are affordable.

The rich dad poor dad by Robert Kiyosaki is my favorite book of all time. It is important to read that book because it can changed your mindset. Robert Kiyosaki mentioned in his book that savers are losers and it is true. It is better to invest than to save for us to beat the inflation.

I think, between saving and investing has a thin difference and it would be better to make an investment because with investments we will be able to get better results and of course we also must always observe and make good strategies so that we do not become a loss

saving money in a bank or in an account certainly will not develop. for that, some people choose to save in crypto for example for investment purposes or used for trading. If many newcomers are affected by the FOMO it is natural in the crypto world. that's why we need to learn and find out how the world of trade/investment crypto. The point is don't be too greedy in taking profit because it's full of risks

Investments are always risks. Your savings are in a static state until you have turned them into investments, but in this case you should understand that there is a risk of losing all your invested savings.
That is why the main investment rule does not allow you to invest more than you are willing to lose. Alas, 90% of investors neglect this rule, which is probably why the remaining 10% are successful.

We may be profitable by investing but we have to conscious about the risk of investment.

You can't save something if you didn't invest for something. It's just easy as that. Good investment will help you to gain more profit and money. Having a lot of money will help you to have savings. It is a process that you need to do in order to achieve what you want to achieve. Patience and risking about investment is necessary and important for your seed to become fruitful in the future.

You are absolutely right. That book can also really be made a reference for us who want to start making an investment or to build a system. Because there will be told how the process of travel and what must be at stake to get the results we want. The most valuable lesson from the book for me is that when we enter the world of investment, we also have to leave our former ways of thinking. Because we are in a new place

All are choices where we have to choose between investing and saving. Especially investment in crypto is very risky to lose if we are new to investing, even old players can lose and not always run smoothly. So indeed if you want to be safe it is better to save your money. But if you want the money to increase you must choose the risk to invest. So indeed before you want to invest you must understand it first.

Investment is not gambling where you have to spend only that much amount which you are willing to lose. If a person invests in the right asset or place after doing some research on his own, then the risk factor not only decreases but vanishes completely. For instance, if you invest in bitcoin, you wont have to think about risks and the more amount you spend here, the better profits will be earned.

Investing is not gambling we are investing because it gives us a profit and we are able to obtain profit. We should save our investment but saving your money is useless. We will keep our money for the long term but will not get any reward as much we can get from bitcoin investment. Rise and fall happened everywhere but from bitcoin it's future-making.

It makes no sense to just keep your money in a piggy bank, you can at least just place funds in bonds that carry minimal risk, it will be the same accumulation, but more efficient than just keeping this money at home. So choose a conservative investment in assets with good protection against collapse.

Yes, we should take risk in learning how to maximize our fund/money, investing in crypto, stock market, doing trading or forex trading are good just depends on you how you are going to maximize it, what's important is you are doing something that you can earn even if you are sleeping, as that's the secret of millionaires, they are taking risk until one day that they are earning a lot although they are sleeping.

You cannot beat inflation if you will just save your money but you can beat inflation by investing. Rich people people are prefer to invest than to save because they keep growing their wealth. We should invest more than to save for us to acquire more assets that can give us passive income.

I prefer them both too as they will generate both profit in the future, but will just invest more in gold rather than in Bitcoin, but still will check out the value when that time comes and will check the news, and other factor before finally investing in both of them and also making sure I do have enough fund to compensate our daily needs and our expenses.

Indeed, if it is related to inflation then investment will be the main option, but the problem is that not everyone or investors will really invest in the right project so that in the end it will suffer losses too because the returns do not reach as expected. So in this case I think both are good as long as we can control ourselves to not be greedy, because after all savings and investment will ultimately have benefits too if we know the right time from many factors and situations.

Good thing to be done but there are people who do like to invest and doesnt like for their money to be stored into their own bank and having no interest at all.

The concern here is to make money and investment is only the option.If you wont risk then you wont earn something.Dump is inevitable thing here on crypto space thats
why you should really be careful on which coin you would tend to put your money on. BTC would be the primary choice for sure.

We need to do both in order to succeed, if we just go with savings or investments, it’s too risky so balance is the key. Also, our investment needs to be wisely done instead of random, as that could end up in very much wrong way.

For me this is not good to invest my money in gold as we know gold is not worthy investment in this era. Bitcoin is the best coin as you are already doing but maintain your investment and buy bitcoin, ETH as well. Bitcoin is the best choice among everything that we use as investment because bitcoin has certainty to grow in price and it never make us suffer lose.

I prefer to do both! Currently after researching everything I could I decided to invest in a crypto project that can give you a loan if you deposit a minimum of $ 500 on BTC or the equivalent in any other cryptocurrencies. You can deposit an amount of its token and do not withdraw it and you can earn 32% interest. It also has other benefits and is the reason why I joined because it has passed all the trust tests, it has good marketing and in this project, I can do both Invest and Save.

Both are good but I think it is better to invest in savings. Because you have to save up for a certain amount of time, which you cannot afford even if you wish. You will be able to pick it up after the specified time. But if you invest, you get a lot of profit every day. Where to invest that is good if you can make a lot of money in a small amount of work.

I think if it depends on conditions like an investment, I think people will compete to invest, especially in bitcoin. well, this has happened. however, under normal circumstances, for now, I prefer investment over saving. Well, maybe I'll save some for emergencies. but, if you are a businessman, I think the investment has become like the thing that needs to be done.

Yeah almost all successful businessmen would tell you to find ways to make your money work for you. Though of course we can't remove the importance of having your own savings, investing is what will make you go far financially. Simply put, you need to have both.  Making an investment takes time and effort to be successful so you need to have your savings on the side in case things don't go the way you want them to go.

FOMO is for day traders and those who want urgent profit. FOMO shouldn't be considered as an investment.
Saving is good but to not devalue it worth due to inflation, I do prefer saving with fix deposit a reasonable percent of my money.
Every form of savings should add value to it what was saved, people should reduce stockpiling money in the banks while banks lend your money, or use it to trade.
They make a profit from your savings without interest, rather they still charge you for Saving( Using) your money. We should do anything legally possible in ensuring that our savings add value rather than devalue.

Inflation cannot be prevented because it always happens in every nation . We should invest for us to grow then money we are holding, if we want to have a larger earning in the future an investment is needed, we can secure our future budget, money when we invest rather than only saving it, when we save , that money will never grow, or it will grow up but only a penny.

In the traditional economy, saving was an option for many, who saw that it had many benefits, but due to the pace we are living, and as you say, inflation problems and many rumors about the possible crash of the world economy.

While investment is a good way to shelter money and value from it, diversifying into Bitcoin and Gold is not a bad thing, however money according to many Investment book authors advise that they should invest to have long-term benefits, it is much better than earning annual interest in a bank that offers less than 24%, while in investment of Real Estate, Bitcoin, Stock Market and Gold it can exceed 24%. I take 24% because it is a round number that no bank offers, it could be said that no bank gives a quarterly interest of than 6%.

Then there are risks in investment, if in the stock market you do not invest in the action that is correct, you may be able to lose some money, if you invest in Bitcoin you will have for now an assured success because you have already fulfilled according to Wyckoff the accumulation stage and It will have an ATH greater than $ 20k, that is an incentive for investment there and gold for being the traditional asset of global trust.

Well of course if you are only planning it to save and staying away from riský investments then go save and lose the opportunity of growing your money but of course when you do invest here in crypto make sure that your coin has some good future like of course bitcoin and some more. But of course combining both will be even more better, invest your money now in cryptocurrency and then after you gain some profit go and save a portion of it for future use and then continue investing in crypto.

We should not tell to people to invest in cryptocurrency as we are not helping them, we are just pushing them for our own benefit, but let's us tell them that if they are not ready yet then they should take their time and better to know everything before they will invest their hard earned money, investing is good, but this is for the people who are ready to lose some of their money too as investing is not always winning.

Absolutely - saving may have worked in the past but no longer. The cost of living far exceeds the amount that most people are able to save, and inflation will guarantee that any savings you make now will not amount to much in the future. Smart and strategic investment is the way to go in this scenario. Not giving into fomo and fud can be a life saver, as can finding the right platform (I like marketplaces like  Vertex (https://vertex.market).market), and only investing as much as you can afford to lose. Accumulating wealth takes time, and crypto definitely isn't a get rich quick scheme, but strategic investment will pay off - there's no doubt about that.

Indeed, what we need to do is find an investment that best suits us and we have deeper knowledge on how it works to avoid making mistakes. Investing is not that easy and cant guarantee anything so we should be wise when choosing where to invest our money. Then if we already earn thats the time to save a portion of our earnings to be prepared for future expenses.

Knowledge is the basic foundation of all the things in this world. So as in investing, if you don't have any knowledge even the basics or the fundamentals to check before to invest their you will not have a good journey or progress. Invest in knowledge first so you will have an easier time to get into different opportunities that the world offers to us.

We really need to have knowledge in everything, it will be our foundation in our daily life, knowledge doesn't mean we need to be a masteral or doctoral graduate, but how we deal with our everyday life, how we are using our time and money wisely. If we really wanted to become successful, let's all remember that we need to do something that our future will thank for.

Absolutely, remember that those who has lack of knowledge are the ones who can be belittle by those who has knowledge. Just like in ICO, they are keeping and saying a lot of promise in the community and telling and telling people that an Emperor didn't build in days, but in fact they are just using and taking your mind because you don't have much knowledge, and that is what ICO scammers like, to manipulate those people who has lack of knowledge.

It's better to put your money in savings to save your money from risky investment here in crypto. Huge dump will be happened once you invest a coin with no potential to increase.

IMO its great to always save, but it can profitable also to invest in low risk, that is kinda a half way between saving and investing   ;D ;D

I have heard this many times, but the problem is whether we can afford to invest, because not everyone has the knowledge to avoid losing money when investing. Saving is still a safe way if you have a high salary, you can save in a bank and earn interest, instead of risking it with other types of assets.

Your degree does not makes you a learned man at all if you are not implementing in lives what you have learned from books. Indeed wise are those who cash their time and use their money on right things. In today’s world, time is money and you shall need to know how to utilize it in appropriate way. I have seen people with degrees but they are failures in lives. Knowledge is zero without its practical side.

we should store our future by making useful investments and we should keep leading about profitable investments of market. The more we will learn about crypto the more we will get success. Right now there are so many profitable investments and best one is to invest your money in crypto specially in bitcoin it will make our money double within few months.

No, I totally disagree you need an investment, investment is not only for future purpose is actually good for emergency purpose when we need money, on our retirement age we can use that and continue trading instead of working 8hrs a day , it is more good if we investit will make our money more grow.

some of the richest people in the world are born from investments, so if we want to be rich in the future we must be brave for investment, not necessarily in bitcoin many other investments, but bitcoin gives a high return than other investments.

In fact, savings and investment are interrelated. Because if there were no savings, there would be no investment. The investment comes from savings. Whoever saves will invest in the future. Small savings make big investments. So I always give priority to savings. Our today's savings will be an investment tomorrow. So save more invest more.
Good luck.

You are indeed correct, both of them are important so as much as possible we should have savings for emergency purposes and for future, as well as invest in properties,  in business, in crypto, in stock market, whenever you think you are fit and capable of will do, just don't forget that you must have at least investment for your future too.

Yes it is good to have some savings especially a kind of bitcoin or any good coin like ETH but I think if people think about making investment they should only invest in bitcoin we can sell it anytime and you will get profit at that time, profit can be low for selling at dump but it will surely give you profit for having it in your wallet so I agree that we should invest our money for use at time of need.

I'll pick investment over savings any day, however,  one has to consider the risk associated with the investment. I'd rather invest an amount I intend saving in 'real estate' than cryptocurrency because of the greater risk involved.  The greater the risk associated,  the lesser the amount invested.

One has to be very balanced in his approach in order to be successful in life. So saving and investing needs to be done in balance way. I have recently come across something extremely interesting, and that’s this https://seekingalpha.com/amp/instablog/48159843-cynthiamadison/5295593-how-are-millennials-investing-and-what-can-retirees-learn-from - A lovely piece that highlights various investing opportunities and ways.

When you are going to save money, you should not put it into risky assets like bitcoin or ethereum. If you will put your savings there then you are risking your future. You should save your money into a place where it is not volatile but liquid enough like in banks. In investments, it depends on your risk appetite if you are a conservative or not.

If you have an impressive amount that you want not only to save, but also to increase, then of course your choice should stop at investments. Study the market, identify what will be popular in the future, will be in short supply and buy it now. Wait for profits will have a lot of time, but in the end you are likely to get it if you do everything correctly. Invest in different promising financial instruments.

You must be reading the wrong books. Traditional wealth management doesn't teach you to store all your wealth in savings. As you said, most of your wealth should be in form of investment: stocks, bond, property, etc.

Savings has its use too. It is not to store wealth but mainly as an emergency fund, a very liquid asset that you can tap into anytime you need a considerable amount of money for an emergency: health emergency, crisis, etc.

There is a book that I have read and it is the  Rich Dad Poor Dad by Robert Kiyosaki. He mentioned in that book that savers are losers. I agree to his statement and that's why I do not save money. I keep investing the excess money that I have in order to increase the assets that I have today. If you will just save your money, you will be beaten by inflation and also your money will not grow but if you do investing, you can beat inflation and you can manage to grow it.

That's true and that's why you should diversify you investments, but if you are holding crypto, like random altcoins, and they keep on losing value, then what's the point in that part of your portfolio, might just as well invest in BTC that represents a sort of compound index for the whole crypto market

To avoid risks study the different types of assets as an investment. Invest only on the instrument  you know especially on paper assets like stocks bonds etc. Also, identify your risk appetite so that you will know what types of investment suitable for you. Be it in Equity Fund, Balanced Fund, or Bonds.

Investing can make you becoming rich very fast and make you becoming bankrupt too. It depends on the coin you invest in, the market situation. I think that money in bank account is dead money so i never let all my money in banks.

If you are willing to take risk then you may choose investment option. Since investment may go in minus or go up twice, thrice or 10x.
In savings, you get fix return on your money (if its in bank). The return you get on your savings is proportional to currency inflation rate.

Risk is an important component in assessing investment prospects. As long as we can manage these risks, the profit will be calculated clearly and we do not need to be afraid of the same risks, also the experience of managing risks will be honed even more, so we can manage higher risks.
Higher risk = bigger profit.

Even if you are not into trading, if you know how to take risk, then you can overcome the fear of losing, and yes, losing sometimes is part of the game, but one thing is for sure that if you are determined and focused in whatever you want to achieve then you can always achieve the goals you are aiming at. 

But you can think positively too if you will think positive I am sure only good things will happen to you. I never found investing money as bad decision we can have profit with it but only needs to deal it with care and never let it go wasted. Investment makes our future save from so many crises. We should invest on right time and sell on perfect time profitably.

There are both have risk, there are risk in everything and it is all on you how you can handle it, we need to take risk in investment because we dont know when the market pumps or it will be dump forever, all we can do is take risk, but for me, investment is better than savings, you need to follow those trend so that you will not left behind.

   My saving is my investment. Instead to save money from salary, I invest that money in crypto-currencies. Risk is always present,
in 5 years I can have a lot of money if crypto-market grows, or I can have less then I have now if crypto-market drops.
   It's calculated risk, if I keep fiat it will lose value cause of the inflation. Crypto-currencies are the best investment for little people,
we don't need huge amounts, and we can do that when we can.

If that's the case then it would fall on Investment and not as savings coz you basically invested it on cryptocurrencies and as for savings definition is a reserve account for later use but in crypto you are risking it that's why it is a form of investment. For me it is good to have both savings for assurance in emergency situation and investment for potential profit through holding.

For sure you know what you are doing and you have plan for this, then it is up to you how you are going to handle your fund wisely and how you are going to make investment, as per me I want assurance, so instead, I am investing much of my fund in real estate at least 60% of my income to it, 20% to crypto and 20% is for savings.