Bitcoin Forum

Both are standard and produces decent returns...but which one is better to invest either Bitcoin or Mutual Funds

Mutual Funds: According to the investment objectives, mutual funds put money in equity, debt, gold, real estate, or a mix of both equity and debt, so many of the investors feel secure at the backend...

Bitcoin: Does Investors feel the same(Secure and Trust) in Bitcoin ??? ???

There's this thing called diversification, whereas you can pick your own allocation percentages depending on how risky or how safe you want to be with your investments. It's not one or the other when picking investments; it can be both, or even more than 5 assets (assuming you know what you're doing).

Bitcoin and invest your money directly into Bitcoin.

Store it in non custodial wallets so that you won't have to rely on any party to get access to your Bitcoin. Not your keys, not your coins.

Mutual Funds or whatever funds, if you join you will have to rely on them to secure your coin. And if you want to get access to your coin, you must to get their approval. It sucks because you can not control what will happen with any fund manage by other parties.

Exactly, there are no hard cut rules that say if you invest in bitcoin, you shouldn't invest in another, or that you can only hold one investment at a time. If an investment is considered safe and you have the finance to accommodate it, nothing stops you from investing there as well. Diversification of investment can be profitable if one is aware of what they are doing, but it can also be the downfall of an investor if he is not careful, or does not have proper knowledge before diversifying.

Depending on what you were preferred of,
If you want to have fund security and less hassle which another party will take responsibility to grow your money - then choose mutual fund investment.
But if you want to take a high risk - then make choose of Bitcoin investment.

But for me, I'd rather make myself engage to something that could help to be more engage to market analysis as I was having fun of it and more it helps to develop decision-making.

I invest in both, though not because I think one is better than the other, but because I like to diversify with different things. Bitcoin is good in terms of the level of profit that can be made from it, but at the same time you know the risk is much. Mutual funds are just normal and stable  , you should be looking anywhere around 12%?🤔 depending what you’re investing, but it wouldn’t go much above that

at the end of the day, it really depends on the preference of the user, how comfortable he is in putting his money to these choice of investments. but to assure that you won't be screwed by going all in in either one, better allot certain amount to both. but as i said, it depends on the user where he feels he can take advantage of.

Since I have never tried Mutual Funds, I prefer bitcoin because I have gained a lot of experience investing in bitcoin. The profit I got from bitcoin is huge and will give me even more profit in the future. Maybe investing in Mutual Funds can also get big profits, depending on your investment, and you understand how to make a profit from that type of investment.

But with the unpredictable movement of bitcoin, some people can't trust it and keep investing as they did before. But it all doesn't matter because our ultimate goal is to make a profit from the investment we make. But it will be better to many type of the investment so your profit will be bigger.

Yeah I'm confused too as to why you're comparing a diversified asset to an asset.


I think this is the best way to go about things but your % allocation of each would then depend on your risk tolerance. If crypto does well, it's probably worth knowing how to get your funds out and move them to safer assets so you can keep earning on them/store the equity you've built up.

Lol! They are not even comparable! And honestly when it comes to investment, why not both? Bitcoin can give you extreme returns but at the same time, it can erode your investment as well. However for mutual funds, it's extremely rare to loose your investment. So the risk profiles are very different for these two types of investments.

When you have money for investment, use an wide variety of assets and never invest only in bitcoin. When it comes to long term wealth creation, diversified portfolio is best!

I think everyone will have a different answers on where they will put their money to, not all people will have same mind and each person have different understanding.

Some people will say mutual funds is safe due to backed up with many asset and government allow it, but mutual funds isn't profitable since you only earn few % percentage every year. Few other will say Bitcoin is safe since it's encrypted by cryptography and decentralized, you could become a millionaire after holding for few years, but the risk is higher than the rest investment assets.

So what's your choice?

You should invest in everything. Diversification is extremely important for an investment portfolio. Even if you are certain Bitcoin will outperform, the peace of mind you get from having a diversified portfolio is worth the loss of maximizing potential gains. It’s also a lot easier to see what’s going on when you have skin in all the games.

both are the same, but if asked to choose I would choose bitcoin as a long term investment which looks more promising and profitable, because I invested in bitcoin in 2018 and it is profitable for me to this day still holding it

If you have the opportunity then do both, but if there's less capacitation in doing them together then bitcoin is an option you can't do away with, but you also need to understand the risk taken in doing this, everything in live now involves taking risk to break even


Yes of course since we are dealing here strictly on bitcoin and not altcoins, security and trust are some of the major pillars of bitcoin network and the blockchain technology that surrounds it

I feel more confident about bitcoin than mutual funds. I like to be able to manage my money on my own. I don't need nor want to trust a third party. For this reason bitcoin is perfect for me.

What about returns? Funds and trusts offer 5% a year, sometimes more, but they won't give you 20% or anything close to it. Bitcoin on the other hand can in the long run give you 100% between halvings, so you can get 25% a year over the period of 4 years. I've been around for almost 3 cycles and each time my wealth grew thanks to bitcoin.

It's like asking "what's better - a train or a plane"? They are entirely different things that have their own pros and cons. With Bitcoin you are responsible for storing your wealth and if things go wrong, no one will fix your mistakes. But mutual funds require trust, and there's a risk that the company will scam you. They also perform very differently, Bitcoin is a volatile purely speculative market that so far enjoys tremendous growth, while mutual funds provide moderate or even small but more predictable growth.

I always love the fact that with Bitcoin we have total control and security over our funds, whereby an investment made in Bitcoin can always be access at any given point in time without delay in as much as you use a trusted wallet or exchange, unlike mutual fund whereby a person needs to undergo several processes just to access his or her funds, of which sometimes get denied or delayed due to firms inability to pay the fund when needed. Because there have been several issue of people not having access to there money invested in either real estate, which is why Bitcoin happens to be the best

Exactly diversification is one of the ways of many people dividing their money into some ivestment. If we are investing, it doesn't mean only investing in one thing. Seem like when we are doing a business, we may have some business to make more income from several sources, not only one. In investment, I also do agree much on the method of diversification. In this case, diversifying the funds into both mutual funds and also Bitcoin may be a good choice. If we think that both are worthy, why not? We also know that each investment has its own risk, but they also give us certain profits. Thatis why we must consider on how we can set the target for each investment. In myopinion, I will keep investing both.

A good choice is of course a choice that you make yourself without looking at some of the comments of others because what other people think is true may not necessarily be true for you.
When you believe you are in a mutual fund or something else, you just need to be there, but when you believe in bitcoin and are ready to accept the risks, you really have to do that as a goal.
or maybe you want to try both and compare before you're really sure which one you want to focus on might be better.
Selection like this will only make you hesitate in both especially when looking at other people's comments and suggestions.

Both can be an investment but Mutual Funds seems to be more centralized because someone or some entity is managing your money, not directly you.
While Bitcoin if you buy and hold it by yourself like storing it on your personal wallet, then you have 100% control of your funds.
For me, Mutual Funds got less risk but fewer rewards/ROI too, while Bitcoin since volatility is high here, somehow you got high risk but high rewards.
Both got risks, so it's up to you. You can have a portion of Mutual Funds or a portion in Bitcoin too.

From my side I would definitely say invest in Bitcoin.Investing in Bitcoin is one of the most popular and trusted investment for me.By investing in Bitcoin you can keep your account safe. And you can use wallets to keep your keys very private with you.No one will act as a third person to invest in bitcoins and you will have no ricks if you can save well.Investing in Bitcoin is like no other investment. If you have a good forehead, you can own a huge amount of money in no time.So if you are an investor, always think about investing in Bitcoin.

These are not comparable things.  One is a group of stocks/bonds etc packaged together and the other is a digital currency that is meant for making payments.  Bitcoin isn't even inherently an investment, where as mutual funds which are made up of stocks, bonds etc are literally made solely as investment.  Diversifications is key people 

I think the question of what's better is not appropriate.

- Mutual funds are a good investment. I even have an active investment here that I'm paying monthly for several years now. It's for assurance.
- Bitcoin or crypto, since the price is volatile, putting all your money here might not be a good idea.

If you understand both and know the risks, then consider putting money at those if you afford it.

it always be your choice, but personally, i invest in both bitcoin is a very high volatile asset and you have control of it you can make a whooping 20% return in a day or lose -30% in a day. high risk high reward
in other hand mutual funds controlled by investment management low risk low return but you have peace of mind especially money market fund

so why not invest both  8)

It depends on some factors like time and the capital and of course your knowledge.

Both of them really gives decent returns especially in Bitcoin which gives higher returns compare to Mutual Funds but can give you higher losses as well because of it's volatility. I believe that when you are a younger investor, you still have time to make risky things and investing into Bitcoin is more risky compare to Mutual Funds.

I'm at my mid-20's and I consider myself a young investor still that's why I put most of my funds into crypto though I still have some stock market investments and some bonds as well. I will consider investing into Mutual Funds maybe when I'm at my mid-30's or at 40's because at that time, I don't want to lose that much money anymore and at that time, I want an assurance more than profits and Mutual Funds can give that I believe.

Overall, it's your choice as an investor. If you want risky assets then go Bitcoin but if you are a conservative one then consider investing into Mutual Funds as they are more secure and less volatile.

Investment is a personal interest whereby people did for their own time. Yes they are all good investments but mutual fund is centralized and stable business while bitcoin is like that. wen we come to standardization bitcoin is more standard than mutual fund because bitcoin has more value to the mutual funds. And also when you talk of security, bitcoin is more secured than mutual funds. Because bitcoin is in your custody (in your wallet) which can be checked in time of the day, week or the month but mutual funds which can be used as equity is used but another person.  As it is said, it is your choice to invest any platform of your choice because the risk is taking by you. If your capital is big enough, you can invest on the two side. Both on Mutual funds and bitcoin to spread your investment plan to see which one is the best at the end of the day. Although that is a personal choice. If I advise, I will advise you to go for bitcoin.

Yupp, I know it's diversification when there is a  situation with pick one of those, then which one we choose ???....

I don't really like mutual funds anymore and if I had to choose between the two I would only go for bitcoin. The problem with mutual funds is that you have to pay a lot in fees to be invested, usually you pay between 2-5% only to buy that fund and the same fee again when you sell. On top of that you have to pay a yearly management fee of 1-3%, which is even collected when you make a loss. In today's time mutual funds are outdated and too expensive. I still like stocks and would recommend anybody to buy atleast some to have some diversification in their portfolio. Instead of mutual funds I would buy ETFs or pick Single stocks myself. Having a stock portfolio that focuses on dividends gives a nice income each year.

I can't really think of a realistic situation where you're literally stuck with only one or the other, besides if you don't have enough capital to invest. If that's the case, you probably shouldn't be investing yet. Use that money to invest in something that could make you money sooner and in a more consistent manner; like a gig or a business.

According to my research, the definition of mutual fund is a company that supplies money from the investors. I think you are right, that it is not directly an investment but it was like a loaning business. Bitcoin on the other hand is a digital currency but it can also work well as an asset. When it comes to investing, indeed that it is better to diversify than putting our eggs on one basket.

That is to mitigate the risk but this doesn't always mean that we are also reducing our profit potential as there are times that different assets can rise altogether. We can also maximize our income that way. Better if we diversify on different types of assets and not only in between btc and altcoins.

Personally, I think I'm more interested in investing in bitcoin, even though I know the risks I will face are quite heavy, because crypto investments are more speculative and difficult to predict, because we can't predict when there will be an increase and decrease, but I like the challenge of investing in bitcoin. , because when it goes up 20% it is certain that the investment value will go up, mutual funds definitely have many choices, some have the lowest risk and some also have high risk, mutual funds are of course managed by professional investment managers, different from our own bitcoin which will manage all investments.

Your decision matters the most. Both have their own risk factors and benefits. Mutual funds are, of course, less risky than bitcoin, but less return. If you decide to invest in bitcoin, make sure the risk analysis facts. Your knowledge and experience make your decision better.