Bitcoin Forum

Now you have $100,000 in your account, pure savings, and you don't need this amount of money to cover your daily expenses. Obviously it's good/free money to use at will. Let's say if you deposit the money into a bank and the annual interst rate is 3%, you will get a steady interest income year by year. If you use this money to buy Bitcoin, let's say the BTC drops to $17,000, you'll buy less than 6 Bitcoins. In the long run, what would you do with this money ? And why ?

Analysing the interest rate from the bank, each year I get a 3% interest which equals up to a $3,000 increment yearly. But with bitcoin at 17,000 at purchase time in a year if bitcoin grows up with a 1,000 price up (moves to $18,000) I will have my assest increased by 6,000 or so. And with bitcoin price at this low I expect it to get higher than that In year. Further more since it is an amount I could do away with I will readily invest it in a thing that stores my value. With it been in the bank I could face devaluation of that currency over time.

Wow! Reminds me of a few months ago when I thought of selling my house, maybe I'll have the same free money if it happened.

You can divide it into 2. 50% goes to crypto which is highly volatile. Out of the 50%, you can buy 2.5 bitcoins, and then for the rest, you can choose 3 to 5 altcoins. Just be careful with altcoins because they are very volatile but if you can make it right then the rewards will be very high too. Let's say $2k each to both ETH and BNB and then do a meticulous DYOR on 2 to 3 new projects or existing coins that have low market caps. 

My point is that in addition to daily living expenses, we need to have a savings account in the bank, this money you can withdraw at any time, and it is for urgent work in life. So in this case, I will choose 20% to deposit in the bank and 80% will invest in bitcoin and gold. I want to diversify my assets and don't want to focus it all on one area, although Bitcoin can be more profitable but it takes a long time to achieve, so I don't want to be passive in investing.

Hundred Thousand Dollars in my local currency would turn me into an instant millionaire. My number need currently on my scale of preference is housing. The cost of house rent is eating deep into my finance and it is affecting the level of my savings and investment. I think I would consider building a house in a fairly semi-urban area. Then I would keep investing my yearly house rent on Bitcoin only. In the next few years, I would have acquired and Hodl a few Bitcoins that would make fulfilled. I don't think I would invest in other coins because I don't trust any of them.

I will only respond to the matter of buying Bitcoin with that much money because you are saying for someone who does not need that money as a daily expense in his life. Obviously it will be very profitable if the money is invested in Bitcoin which is less than 6 Bitcoin units. And if I had that kind of money right now, I would also buy Bitcoins if I still had some spare cash to live on for me at this point.

It depends on what’s your goal with your free money. I assume the subject has a good steady income for having this huge free money. The answer will always be an objective one based on the person perspective. For me, I will invest on business the 50,000$ then put the rest on Bitcoin. There’s no sense to stay the money on the bank since you have a steady income to cover all your expenses and necessities. There’s nothing to lose here so I will choose to venture out on investment opportunities that will give high return rather than put on the bank with minimal APY.

Assuming Bitcoin bear market will last up to 3 years. You can still earn more on Bitcoin investment rather the bank because you profit on bank is limited only to 3% per year while Bitcoin is limitless.

It depends on the person involved and the mindset also. People invest on what they have interest and know about, therefore it will be difficult to convince a hater of bitcoin to invest in it, he will obviously be looking at the depreciation or drop times and calculating it as lost but not knowing that with time it will go back to profit. To invest in bitcoin is the best compared to keep your money in the bank and expect just $3,000 as return in a year when you invest $100,000. If you buy bitcoin now at $17,000, you can be sure of $50,000 turn over soon after halving.

First of all, I have to say that your bank is very generous if they are giving you 3% interest because the last time I checked with mine, they offered me a measly 0.5% lol. Regarding what I would do with $100k, I would probably buy bitcoin immediately with part of the money (maybe some gold too), then set aside a 2nd part to continue doing DCA and keep the 3rd part in cash as you never know what future brings.


I have to say that putting $50k in a couple of altcoins (given their track record over longer period of time) is not an investment but rather a gamble. You might as well go to a casino with $50k as you will certainly have more fun while having similar chances to profit in the end.

What bank is this? Our bank has only a 0.5% interest rate, but let's say it's 3%. Well, $100K is huge, so my plan is not to put all eggs in one basket, 50% of it goes to bitcoin, and the other 50 is on additional investment such as business or time deposit in the bank so that it would be safe. I know most of the answer here goes to bitcoin since we are in the bitcoin community, but bitcoin is risky, so to play safe, do not go all into the bitcoin as this is the most investors say, but if you are risk taker then go ahead invest all.

There are two things here that need to be done wisely. First investing wisely means that you need to invest in bitcoin and/or in good altcoins and also do the dollar cost average.
Second wise thing is to store your bitcoin and crypto in a safe place. If you store your investment in centralized wallets or exchanges, then you are carrying the risk with your investment which can go to zero if those platforms scam exits.

Investment is always the way to go if we want maximum profit.  Besides the bank interest cannot compensate to the deflation of value of money so it is wise to look for an investment that has a higher return.  Looking at the option, investing in Bitcoin would be the better action to choose.  If we look at the percentage growth of Bitcoin, it beats the 3% annual interest offered by bank and in addition we still have the access to the fund if we save Bitcoin in our own wallet.

Profit aside, I believe it is always better to have control over our money.  If we put our money in bank we lost our control.  The bank then have the power over our money. But in Bitcoin , if we invest in it and keep it in our wallet, we have a 100% access and control to our fund 24/7 which we don't have if we put our money to the bank.

The investment is always successful if you recover your capital without problems, and therefore if you enter into an investment of $ 100,000, and you return that amount, then you will not have a problem.
Long-term investment in Bitcoin will easily achieve this increase for you if you wait for several years, or at least until after 2025.

As for what you will do, if you do not have any plan with that money, donate it to charitable organizations in your country, as there are millions of poor people around the world.

You can also diversify investments to ensure that your profits will be available in all circumstances.
Diversification of investments includes gold, stocks, real estate, and bonds.

If that's free money, I'll remove it on the bank. 3% annual interest won't even be enough to cover the inflation so that's still a loss even if you don't move it.

I'll use around $50k to buy bitcoin and then the remaining $50k would be spread into personal savings and for expenses like $10k-$20k. While the others, I'll invest it again to another asset that might get me more passive income but not in crypto, maybe REIT, bonds and if that's plausible to buy some real estate or land property, I'll do it.

I personally always do some action in this regard. If my salary is 100% I always leave 40% for my daily needs and my desires in real life for 1 month the remaining 20% to be kept in fiat because I still can't get rid of it moreover there are always many needs going on like for multiple payments and 10% for savings of unforeseen needs and the remaining 30% I always save in bitcoins regardless of the price. I always do this regularly, especially if my unexpected needs are not used, I always enter directly for bitcoin because DCA still contributes enough for me and I'm quite happy with that.
At the moment, from the results of the DCA for several months that I have been doing, even though I still haven't felt it because it is indeed in a bad condition, I still believe in bitcoin, especially when I do this too, with a target for the next few years, at least until 2024/2025.

I'd split it to bank and invest to Bitcoin. The title says "wisely" so would be better to diversify the investment so you have different source of income and be profitable in the long run. While you get steady interest from bank and also you'd get the profit from Bitcoin when the price reaches your goal on top of your bank interest. Some people hates to invest on bank, but also the rest would prefer to invest more into different kind of stuff.

Wisely means not to put all money inside a one investment, you need more investment not to rely on just one. I would divide what money I have and hodl half in bitcoin because of the potential for increase. I will invest 30% in altcoins that is topping the market because cryptocurrency is getting investment opportunities and if their is right altcoins investment that will increase with bitcoin also. I will keep 20% in cash not in bank depending on the amount, that will take care of bills including health because our health care is very important.

At these times of uncertainty, the quote about cash is true - 'cash is king'.

I'll be careful in where I'll be spending that much money but no doubt that I'll be having a huge chunk for bitcoin because I believe it and I know where it is going.

People will say to diversify it but I'll be taking time in doing that, so I'll be splitting it to cash and bitcoin only. I think that's a safe approach, I'll keep in bitcoin and as well as keep the cash, maybe 50/50 will do.

I'd rather invest it with Bitcoin. It's a sitting duck in bank savings, 3% annually is not much of a money considering they are using your own money to be invested in different funds. Why not do it yourself instead so that you will be the one profiting and not them. This is my mistake before as I thought the bank will somehow pay your loyalty to them, but it's not going to happen. Business is business and we should think the same as them.
Investing is a risk but it can be rewarding if you know what you are supposed to do.

I wouldn't bring most of it to the bank for sure. I'd use half of it to buy a flat, so that I can stop spending so much on rent (mortgage rates are some of the worst in the world in my country, so that's not an option). Then $40k would go into Bitcoin for long-term hodling, and $10k can go to the bank account just because they can come in handy for traveling, visa matters and stuff like that, but not as a deposit on which I plan to earn interest rate.

$100,000 is a lot of money. And we can only dream and hope that when we wake up it will come true, and if I had that kind of money, what I would do is.

$20,000 I would buy the land and at that price I could get 200m/250m in the countryside, and another $20,000 to build a rental house and with the area and money to build the amount I mentioned above would be about 6 or 5 plots. And this is an investment that will not disappear and the price will increase every year according to regional development.
and another $ 20,000 I will use for savings, and for urgent needs so as not to interfere with my investment.
and $40,000 I'm going to put into bitcoin and for the long haul, and now is the perfect time to buy it.

I will keep most of the bitcoins i.e., 4-5 BTC and use 1-2 BTC for trading because, in this situation, there is still a chance to profit from price differences in the market. But if I feel the movement of BTC is still unknown, I guess I will hold all the BTC I have bought and exit the market. That would be better for me because I don't have to think about price fluctuations and get away from the panic that could arise later. Plus, I can focus on other things while I wait for the BTC price to rise again. And if I have to wait 2-3 years, I'll be fine.

Do people still let their money stay idle like in those days? That’s like putting money on bad will because at the end of the year, it will depreciate in value as you will end up battling inflation, banks are also the worst place anyone would want to save money in this century, I would rather see it invested in a physical business than those small interests rate that cannot beat inflation.

If I have that kind of amount of money, I would buy bitcoin but I will be smart with the buying process, split them in batches and continue to buy bitcoin as the price tank especially with the uncertainty and fear that is right now in the market, if we bottom at $10k, it will be insane profit by next bull run.

Having such huge amount of money as $100,000 just as savings which doesn't cover your daily expenses  gives the impression that such a person is already doing well financially and can hold on for long on any choice of investment he/she chooses to venture in, no matter how long it may take to bring a return on investment. If I were to be such a person and with the idea that you shouldn't put all yours eggs in one basket, I will invest a 50% of that money into bitcoin and the other 50% deposit it in the bank for the 3% interest annual rate.
We don't know what the future holds and definitely can't put all life time savings in one hole if you're a good business man, you will understand that diversification is necessary in case of uncertainty.

When talking about money and how we have to make good use of it to ourselves so as to avoid future disappointments and failures in life, then we must sit to plan and prepare very well a good means to serve an alternative to our income, priotize our needs from wants and set budgets on every expenditures we are to incure onna present and future base planning, we need to invest on profitable asset and avoid liabilities as investment in other to cut or stop loss.

I won't be original. For a hundred thousand dollars, I would buy two apartments, which in my country would be quite good. And in the future, I will just rent them out. With the profit from the apartments, it would be possible to invest in bitcoin, since this money is already a benefit received from renting apartments. I speak so confidently because I already have experience and understand that it is unprofitable to keep money without movement. Any extra money should always work.

If I had that money, I would prefer a risk diversification policy by doing the following:

• Keep 20% in the form of gold bars.
• Keep 20% in the form of cash (mostly dollars, local currency or Swiss francs)
• 30% investment in bitcoin.
• 30% investment in real estate, stocks, or both.

After that, according to the country or date, the percentages may vary, increasing or decreasing by 10%.

If I had $100,000 of unrelated free money I would split that money across several investment sectors but excluding bank deposits.
1. 40% I want to invest in Bitcoin using the DCA strategy for 12 months ($3,333/month)
2. 15% to buy tech industry stocks
3. 15% for the purchase of agricultural industry shares
4. 15% to increase the business capital that is being run
5. 10% for Emergency Fund
6. 5% Cash
I would use the money for the data above, and I don't want to keep my money in a bank deposit because my money will be locked/for a decade or (liquidation is complicated), and also not use the money fully to buy Bitcoins because I it takes a long time to make a profit, because Bitcoin does not provide passive income with every month or year.
I don't know if this is true or not in financial management, but if I had the money now I would go for it and definitely avoid bank deposits.

In my country, if you convert that amount of money it can do a lot. I would diversify it.

* Save at least 10%, even though it's your free money, you cannot predict any unnecessary expenses or emergencies in the future.
* Invest 30% in any business that could turn into a passive income (Rental Properties, rent out storage spaces, rent out cars, etc.)
* Invest 30% stocks/ real estate
* Invest 30% cryptocurrency.

Investing it all in cryptocurrency will not secure income since the market is volatile even if you are investing for a long-run purpose. Saving your money in a bank with a little interest rate will only lessen the value of your money in the long-run. It's best to diversify your investment in different types of investment that will generate cash-flow as well as secure whatever your needs maybe as time goes by.

I will have it split in 3 parts, or do 30%, 30%, 40%, diversification.
40% will be on btc, 30% on real-estate and the remaining 30% will be on stablecoin staked for passive income, it doesn't matter how little the apy is as long as it generates something extra, monthly preferably to cover other minor expenses.

Investing fully in bitcoin is also not a diligent step. I would divide that corpus into parts and invest in stocks, bonds and crypto being the few I am comfortable with, real estate could be another option if you need it. You would also need liquid cash at hand for emergency purpose and money at hand for daily necessities.

In the long run I would observe my portfolio for changes in the market patterns. Most well to do stocks continue to give dividends which you can use to reinvest same or other assets.

Bitcoin at low price is a long term investment so you just buy and forget for now.

I will share some investment parts for 50% non-crypto for passive income, 30% crypto and 20% for emergency funds, I apply the same strategy as some of the posts above that non-crypto passive income must be prioritized because to improve the economy and welfare life. Investment strategies in crypto must be considered carefully because crypto movement patterns are still very risky in a bearish phase because the $17k support area cannot be guaranteed to last until the end of the year, so prioritize the DCA strategy for any coin investment.

Are there other options, for example investment or business? Because I will only leave 30% for bitcoins.
For the average people in my country, there is a high enough value to get a monthly income of more than bank deposit interest without doing anything. In my city, parts of the area are places where many finished goods industries operate which have an effect on SMEs in the surrounding community with the main target consumers being factory workers. Profitable business potential is boarding house rental, goods & vehicle storage services, culinary, etc.

Frankly speaking that’s lot of money man. You need to invest it smartly and kee growing it further. Now let’s not talk about banks because they are anyways giving us oranges for apples so that’s bad deal. With this much amount I would make multiple investment streams. Starting from best stocks from the Share market. (The real one). Will buy multiple of them with promising future. Then I will straight away keep buying bitcoin multiple times. I won’t buy it altogether but I will do DCA strategy to have lower BEP. This way I will be securing best of both worlds and make sure my money is growing slowly and steadily.

First and foremost, there's no way you'd get 3% interest with a bank deposit, not even with term deposits. The most you can get here is approximately 0.10% for considerably large amounts of money. With that being said, it really depends on what type of investor you are. If you're up for a steady source of income, you could opt for stablecoin staking, with which you'd certainly achieve a 5-6% APY. On the other hand, if you're into assets, Bitcoin would be a decent option, especially now that it's practically dirt cheap compared to last year's all-time high.

If you are that someone who do value fiat money much and doesnt really like that 100k of yours to be on negative then Bitcoin or crypto investment isnt really for you but since we are
making out some comparison in between bank and crypto interest rate then there's really a significant difference specially with Bitcoin.The thing on here is that there's no way for us to say or tell
on how much we could potentially be able to earn for years time with that free money of yours, whether it would really be on loss due to market decline or would really be in huge
interest or gain because the market did make out some significant rise or increase.No one really knows and this is where some people are really that interested
because they've seen that huge potential.So it would be always varying up on how much risk you could able to put in.

I think the bank's annual interest depends on the bracket of how much a client deposit but regardless of the increasing interest, I will never trust bank to handle huge amount of funds and let them play with it while having me beg for their mercy if I wanted to get my money.  I would rather play it myself via Bitcoin investment than trust my money to a greedy and heartless financial institution.

Investing is a more profitable choice, but never go for all in investing as it could be very risky to take. Having that huge amount, you can take half of it and invest it into bitcoin and now is definitely the best time to enter the market at its bearish state. Leave the other half for savings, as it could also serve as emergency funds for you.

Saving will not gain significant amount if you just keep it that way throughout the year. But with investing, it gives you higher chances to increase your money and doubled or tripled the amount in just less than a year or two. But never invest them all. You can take a portion of your savings to invest in bitcoin and when you are seeing profits already, then you can add your profits to your capital and expect much bigger profits in due time.

I am still confuse why you explain Bitcoin out when we invest in a pessimistic manner. Remember that what goes up could come down so investing such kind of fund is good but what is important is how want to invest the fund and what direction do we want it to go?
Having $100,000 and investing part of it in Bitcoin is a good move so in case the price of Bitcoin goes up, we can be rest assured that we are going to be having massive profits but we still need to understand when to invest and how to do it in a proper manner.

My priority is always, Business.

I don't like to depend on Bitcoin's moon price in the future and only rely on that. Part of that $100,000 can be doubled while waiting for Bitcoin's moon price. Maybe 50% will go to pure business while the other will be used on purchasing bitcoin regardless of what's the price I think that would be a better entry.

Since you mentioned that this $100,000 has nothing to do to cover my daily expenses, there's not much pressure for me to always keep my business in profit. In that way, I can strategize what's the best thing to do in my business without pressure.

It will always better to invest than to just store your wealth in banks, regardless of what investment it is, as long as there is a chance for profit to be earned. This industry is profitable but an investor should be cautious of possible loss if things won't be done properly. Using your money wisely does not mean you would engage to anything, perhaps in this industry; choose only those which are highly profitable.
Business is a good thing if you would be doing the right choice of business ofcourse. Likewise with real estate investment. Usual misconception is investing all your money to crypto industry but that's not advisable. It will always be better to diversify investment into different fields to generate different profit chances and opportunities.

I would say I will let the money sleep in the bank for a meantime while I'm trying to learn more knowledge about crypto. It will be to bad for you to invest immediately because you think its the ideal price to buy since it dump already since there are possibilities that it will dump for more and you get panic to sell your holdings to save your ass for possible massive losses.

Also try to understand that don't put all your investment on bitcoin only try also the traditional business which suggested by others so that you will have more income stream that can help you out for long term.

All investments can be profitable but there is no guarantee that there will always be profits without losses. It's terrible to leave all the money in the bank, but it's also unwise to invest 100% of our money because life is full of surprises, and investing won't save you from that sudden accident. Spread everything out, don't just focus on one investment.



I also agree with this view, traditional trading and portfolio diversification. I would say it's stupid to invest it all in bitcoin or crypto, it's too risky. Crypto has too much risk, we should only partially invest in it.

Invest what you can afford to lose and also always dont put all the eggs in one basket so that if it is a bear market you aren't lossing all of your profit you have still back up plan. There is no problem relying on investment as long as it is steady like you are still earning in bear market (but not always) though for safer try to rely on your other investment aside from cryptocurrency as it is really volatile. Invest in stable coins so that it has low risk but still you will expect low rewards on it

That 3% interest you will be getting is a yearly guaranteed profit unlike investing in crypto currencies were you might gain or lose value of your coins. That is good for short term, but in the long run, the value of your fiat currency might fall (currency devaluation) and you will still be making the same profit, yet your purchasing power will still keep on falling. In case of crypto currencies, in the long run, there is a good chance you might be making some nice profit, but then again, there is no knowing when you will actually be making the profit. You invest in crypto currencies the money that you won't be needing anytime soon. In fact money that you can throw away without worrying or anything. The best option is invest your money in businesses and from the profit you make, use a part of it for investing in crypto currencies.

It's easy to talk about hypothetically $100k. If such a dilemma arose in reality, it would be much more difficult to make a decision.

I would immediately reject a bank deposit, because their profitability is very low, often even lower than inflation. What is the point of keeping money with them if they will only depreciate, while you have no physical access to the money and the bank can say goodbye at any time and you will say goodbye to your deposit.

Buying bitcoin during the fall, even for seeming simplicity, is also not an easy thing. For most, the desire to buy btc arises when growth is visible and this pushes to buy before it's too late. During a fall, the situation is reversed and fear deters you from buying, so you are unlikely to buy btc for the full amount. I admit, partial and phased purchase.

In the long run, of course, of these two options, only bitcoin will show good returns.

Investing in any type of always requires us to be wise in controlling money because we are fully responsible for it. We should avoid choosing unpromising projects and not be tempted by the phrase "you can make big profits" because it doesn't always work.

We must choose to invest or trade to focus more on doing it. And whatever you choose, be careful how much money you spend trading or investing.

Yes so it's really better to just invest your money in crypto or bitcoin, not in banks wherein the returns are very small annual.

While in bitcoin, we might see another all time high in 2024 and so if you invested it today, it might return a good amount and you will be glad that you made the right decision. But just invest money that you can afford to lose so that you won't be bother and not panic when the price goes down. Just suckered it in and forget about your investment in the next 2 years.

Probably a split, I'd still leave some as emergency funds that I can immediately use in case of emergencies or something similar, maybe 20-30%, and the rest would become investments. Now it depends on what investment I could do with it, I can start a small-scale business if the budget allows it, if not then just simple investments in stocks and crypto. I'd probably forego investing much in Bitcoin since I'd much more likely DCA instead of only a single instance (or a few) of investment. I'd probably buy some land really (not that I know the specifics, if possible only).

Investing all the money into anything and then panicking when the price drops, that's not a good way of investing and maybe the person doesn't know what investing is and how to invest properly. If the method as you say has been used by some people, it means they haven't invested and they are only trading expecting quick profits on what they have bought at the moment and I think they still need to learn more ways so they don't panic quickly when there is decline in the market.

It is always advisable to invest (wisely of course) than keeping a huge sum of money in the bank. Investment is always a risk so you have to follow the "risk-reward" principle. Is the reward worth the risk? If the answer is no then there's no point, if the answer is yes then you can go on to ask other questions.

The relatively safer option from your scenario would be to keep the money in the bank since you're guaranteed an interest rate of 3% but even this is also an investment so there is still the risk of depreciation of the currency, inflation etc. and all these can also affect that money in the bank. Now lets assume all other factors are constant and nothing happens to the money in the bank, you'll make more than what the bank gives you at the end of the year if you invest in bitcoin (with way more risk of course). "Fortune favors the brave". Its  a risk that's worth taking especially now that the price of bitcoin is relatively low. It wont be advisable to put all of the $100,000 into bitcoin though.

If you foresee yourself needed liquidity within the immediate future, then deposit, do not invest.

It isn't actually an easy question to answer because it depends on your personal financial situation. If you choose to invest, then diversify and you'll see a positive ROI that will be some multiple of your original investment over a period of time. If at any point your financial system changes and you need liquidity, there's a chance you'll lose a lot of money.

Don't go "all in" on investments. Keep some amount of cash on hand relative to your living situation so that you create a buffer.

Depositing all your funds and sitting on it means you lose purchasing power every single year. It's not advisable.

I am a bitcoin and business oriented person and that's what I would do. First of all, I would put it all on bitcoin and think of what to do with it. To be fair, buying a house and renting it out seems like a good idea, but you could find another income idea with it.

You could start a 3d print shop, you could do a crypto exchange, whatever you want to do really, people look for a business idea that will make profit, what they do not realize is that you need to go into a business that you are interested in. If you are interested in things, then you will make a profit with it. If you have absolutely no interest in it or any experience before, just because you have the capital doesn't mean you should start that business, you will lose money.

Investing isn't going to be that easy to make a profit, and if we put all our money in the same asset then I don't think that's very appropriate. I prefer to divide it into several parts which I then do in the form of a percentage of the amount I have. For example I will invest 50-70% in the form of bitcoin and then I will divide the rest into other forms of investment. That's the method I've been using for the last few years and it works pretty well. We must be as smart as possible to explore the potential where we will invest our money.

Market fluctuations are incomprehensible to us common investors in the short or medium term that is the case, but long term investing in crypto is successful. If you invest in bitcoin you can get a large amount if the price increases but for this the market should be searched well. Those projects should be used which can give more profit in future can invest more in more profitable projects.

It's good to invest one's money, but must be wisely, and I will not go for any of the plans you have tabled here. Certainly, I will not deposit this money in the bank, 3% interest is nonsense to me. I will rather invest it in other guaranteed investments I know, as in my country, there are still loan companies that would give me 20% annually as my ROI.

I might distribute 1/3 of the money into 3 of such companies in case one fails, and 1/3 will be invested in BTC as no investment could guarantee returns. While the last 1/3 would be invested in reliable US stocks.

People are encouraged to invest or run a business to grow their money but if you are afraid of risk and totally no-how from doing it, it was the best option to keep it in the bank and earn a few bucks. Actually, the majority of us don't have any idea who is benefiting from depositing our money in the banks. We can say at least we earn 3% but guess what, banks are benefiting more than us depositors. They use our money to grow their business.
But anyways, we can't urge ourselves to do business if we have no knowledge, courage, and time. We preferred to become an employee rather than being an employer.

Diversification is essential, although bitcoin can yield huge returns, there is no guarantee that bitcoin will continue to appreciate in the future. And if investing in gold, it is true that it will be much safer than bitcoin, but the return it brings is negligible so it is not a perfect choice. But if we know how to diversify, take advantage of profits from bitcoin and the safety of gold, our investment is both safe and profitable. Diversification is something that should not be overlooked in investing.

I don't like to fantasize about money matters, but when you have that kind of money, the first thing that comes to mind is to spend it on fulfilling your ambition, having fun, taking a vacation to the place you want to go most. It's all based on natural human instincts. But when it comes to investing it's clear I choose bitcoins and withdraw them in cold wallets with complete control. I don't trust the bank to save that much money, because you know that the money you keep in the bank is only nominal, while our physical money is circulated by bankers to be lent to other people. As a result, it is better to keep a pile of money at home or buy Bitcoins with complete control over your own legitimate assets rather than having to keep them in a bank.

Here at least, most banks offer from 0.01% to 0.10% at most, the latter for large deposits. There's absolutely no way the OP has found a bank offering 3%; it sounds way too much. As far as I know, bank deposits are actually insured by the European Central Bank, at least up to €100,000. I don't feel unsafe using banking services, but they're taking advantage by charging outrageous fees. There are only a few exceptions to this, such as online banks such as Revolut and N26, which are extremely convenient.

For me, two points are basic:

1) Do you have an emergency fund? If not, out of that $100k set aside an amount between 3 and 6 months of expenses for emergencies.
2) Do you have a positive cash flow from one or more sources of income that allows you to continue saving/investing? If the answer is yes, I would invest all of it once the emergency fund is set aside. Otherwise I would be more conservative.

Everything is risky, and there are no absolute guarantees, if you don't trust the bank, it is not safe to keep cash or convert it all to bitcoin. If you keep too much cash in your home, your property is easy to be taken by thieves or you hold it in bitcoin, and there is no guarantee that incidents like a house fire, natural disaster, or you lose your private key...all of these things are likely to happen. The best solution is to divide them into different parts, don't put all your eggs in one basket.

That's a way apply financial literacy. Emergency funds and stable cash flow is one of the important things we need to have if we want to invest. I learned this thing the hard way knowing that I lost all of my asset because of wrong financial decisions and having no back up funds at all like emergency funds and savings. I became confident because on how easy I generate profit that time. This all happened to me after the arrival of bear market on 2018 when I lost most of my investment due to improper management of my finance. This bear market, I know I'm fully equipped with the nesessary funds such as emergency funds, savings and investment funds that I can use anytime. I also did get stable job so yeah, I'm positive that I can survive the bear market and still have the investment fund to be ready for the next bull market.

For the topic, treating banks as an investment in a bank is just a waste of time. We can be strategic on our investment and depositing it in a bank with that kind of interest rate is such a waste given that the inflation has gone high, The profit you are earning is just a small bonus to your losses due to inflation. Inflation Differs per country of course.

Life is always unpredictable, sometimes the wheel of life spins so that we have to always be vigilant, don't be too easy to waste money or put money on things that are not productive, when there is a lot of money most people will act extravagantly like buying vehicles, apartments and so on, when it's hard then if you are going to sell these assets it will be difficult and the value will drop significantly.

If I have that $100k and it has nothing to do with other expenses and if losing them doesn't bother me, I'll invest it all in bitcoin without thinking too much. If it's free money, I'll take the risk of losing it all or I'll get $1 million or $10 million, it's worth the risk. But if it was a savings, I would never fully invest in bitcoin, I would be in business.

I'd say I'll use the $60,000 on Bitcoin and the rest are for emergency fund, just in case some emergency happens so I wouldn't sell my Bitcoin. It's important to have another choices, not just one, because if you only have one, you'll be force to do whatever it takes to solve a certain problem that might not against your will, and disappointment, regrets will come after, and you don't want to happen as much as possible.

Usually small returns do also have a small risk but then I realized that banks are centralized and there are so many horrible stories about banks. Customer's funds gets locked up, frozen and worse lost because the banks got bankrupt. This will be avoided if we have a full control of our funds. Cryptos such as bitcoin can offer it.

Cryptos might have a high risk because they are very unstable but good cryptos can be able to recover as long as we hold on. There are still alternatives other than crypto investing that has a lesser risk. They can be gold investments and real estate. I am not really sure about stocks and other's so I won't suggest them for now.

Uh, do the 50/50. Interest ain't bad, but crypto investment ain't bad obviously especially that you mentioned Bitcoin. I do not mind if I am not able to buy 6 Bitcoins anyway. It is all about having something to invest at in the meantime.
I would probably forget that investment in a year or so, but hey it is a large sum amount of money so I'll probably be able to sell it once Bitcoin took off after this bearish trend. :D
I know you mentioned that I won't use it for daily expenses, but still it would be nice to have both investment anyway.

So you are saying to invest anywhere but not in banks. ;D Aside from gold, we can also look at stocks and see which one is profitable in the long run.  Precious metal investment is good but their value inflation is too slow.   Why not study the cryptocurrency market and get well-versed in it.  Use the money to invest in the short term, medium-term, and long-term.  That way we have a variation of investment and possibly will give us a better return than investing in gold.

For how long do you want to keep this money before using it depends too,I will not advise you to keep dine in any bank because they will use your money for business and give you peanut in return,this shows that you are helping them get rich,while you the owner of the resources is limited to your money. You have to tell them for how long will the fixed deposit be,this means that you will not have access to you funds till the period elapse.

Buying Bitcoin is the best option, you can invest 55% of into bitcoin, then set up a business with 40% and just keep 5% in the bank for emergency but not fixed deposit. Buying of altcoin is a risk since many of them don't survive the cryptospace for long before crashing.

It’s essential one to inverse your own money.When you had money for the longer period,their is no use of just holding in your bank wallet.So you can use the things to double or triple the money only by the trading.It can be the crypto trading or Stock market.But you should analysis the market.Only analysis will help to earn. Some good money as compared to the luck based trading.

Aside from Bank we've got good number of investment opportunities. It is our responsibility to learn about the opportunity, analyse it and proceed further. With cryptocurrency we have the higher risk and to the level of risk we've got the chance of making profit. For now it is time to increase the holding amidst the market situation, so that in the long run the same will give back good return.

Banking has its flaws and bitcoin has its flaws, nothing is perfect, mate. As you say bank can go bankrupt or our money is frozen, then with bitcoin, our assets can be hacked or lost in case bitcoin never rises again...all are risky, and nothing is 100% safe.
In this case, I will invest half in bitcoin, and the other half I will deposit some in the bank and do business or invest in other areas. Diversification is the best way to reduce risk for us.

In the past I only focus in gambling and Online investments , but when Im done in  gambling now I focus in real business though I market online yet the items is physical and foods so the chance of gaining is there though smaller income than investing in crypto but sometimes took years before you taste the fruit of your investments.

There is probably no bank where I live which will give you an annual interest rate of 3% per year, and I doubt this is some sort of exception as banks have reduced significantly the annual interest rate they are willing to pay to their customers.

So this is a very easy decision to me, especially now that the price of bitcoin is very low, in that scenario I will invest my money in bitcoin as just a few years down the line your investment will be worth much more than those 100k of seed capital.

3%/year is considered a low-interest rate compared to the area I live in, if you deposit by year, as I know it is 5%, the more you deposit and the longer term, the higher the interest rate. Especially with the current inflation situation, lending interest rates increase, but deposit rates also increase because banks need to mobilize more capital. It is possible that because of each region and the degree of influence of inflation, interest rates are markedly different.
I don't have a savings account, I only have some in the bank account, but my parents have been saving in the bank for two years so I'm pretty sure 3% is too low for us.

And sometimes the thoughts you put out here are also less logical and tend to have very short meanings. People who, when they have money to buy vehicles, houses, apartments and others, are very wise people because they have had a hard time making money, which they then try to enjoy by buying important things that they need or don't have.

For example in private vehicles and private apartments. Those are two common examples that are always very close to human life as well as to all people. Private vehicles are needed when someone wants to travel to work or to a vacation spot, while a house or apartment is needed for a place to live in this world so that comfort in life will continue to exist.

Well, if someone is able to find money to buy vehicles and apartments, how can he not find money to eat everyday or for his daily living expenses?
This is an important thing for you to actually digest so that your own thoughts will also be opened more broadly.

Not everybody can control themselves if they have up to 100,000$, the mind will easily forget about investing and they will start thinking about vacations and buying cars..

If I somehow made that much money I won't invest all on crypto, I will order for a hardware wallet and I will make sure that most part goes to bitcoin and use 20,000$ to gamble on top altcoins like Matic, Ethereum and few others.

As for banks there is no point keeping money there, I will keep some for survival and needs but there is no way to make money keeping money in a bank. How about buying 32 pieces of Ethereum and stake?

It was because they only just think of today and enjoy their life without thinking of the future. It is a very common mindset for many people, they'll just think about investing when they don't have money anymore.

Well, for those who are thinking about a better future and aim for financial freedom will surely think about investing, and spending on the things that will give us profit. I think it was necessary for us to learn about financial education because it was to find out that it was one reason why many people still broke even they have earning huge money from working.

You are absolutely correct, there is no such thing as a waste of money when it comes to the purchase of a car or an apartment, both of which are necessities necessary for us to live. I believe that we all strive every day, work more, invest more, and the ultimate goal is mainly to buy a house to live in as well as to have transportation to serve work. You can't work hard all your life and just stay in a rented house, and walk to work but your money is kept in a passbook, that's not life. Use money for the right purpose, don't be too wasteful and don't be too thrifty.

We should be able to use the money we have earned for good things, we keep it on deposit or use it for investment so that when we are not working we still have money saved so we don't owe or sell assets. And don't be tempted by offers to buy things we don't need such as gadgets, electronics, cars and so on.

You are right everyone has risks, depositing money in the bank then a recession that unnoticed forced the banks to close their withdrawal services and wow everyone became poor together because the banks stopped withdrawing all types of money. But somehow I tend not to trust banks except my wife.

However, human nature is always wanting to get social status in the eyes of society. Buying cars, and luxury home appliances and perhaps showing assets owned to be a disease that invites people to feel like they want to be praised. You really use the money you have for the right purposes, but being thrifty shows how difficult it is to make money in the midst of other people who work only to survive one day.

Deposit is also kind of investment hence now you need to think about how much risk you are afford to do. If I were you, definitely I will choose bitcoin for all my money (by ignoring the diversification principle of investments). I may sound like over confident about bitcoin but for someone who is into this crypto space for more than a decade and able to predict the market direction within the cycles of bitcoin market, I guess there would be no other option might seem attractive.

Bitcoin can be your deposit and it would definitely will yield good returns. You may divide your into 5 parts and may consider five different investment opportunities including bank deposit and bitcoins.

I will do the same thing if I'll have such an amount of money. Depositing your funds in a bank is never a wrong decision but investing it in Bitcoin for me is also a better idea. Since I've known Bitcoin for a long time, I know how it could strike high so through long-term investment you could have a high profit and you can maximize your gains easily. It will take time but it's all worth it unlike in banks where you could only get a small percentage of profit after the long wait. But it all depends on your target profit. If you want assurance with lower risk and not aiming for huge profit, you can deposit at least half of your funds in your trusted bank.

Diversify your money and don't put it all into the bank or in bitcoin to be safe. But if you already have this money, I think you'll be thinking of the high-risk one, which is bitcoin, because you need the money for investment as you are already settled. This is where you can see if you can handle well your money in investments. It is also best to deposit it in the bank since I am sure you'll need it in the future, and the other money is to buy it a bitcoin, then hold it for a few years, or check the price weekly to see how the price is going.

We ourselves decide which method to use, the OP gave us two choices to use the money we have, but do we need to choose Investment or Deposito?

1. Investment
Often we listen to advice regarding the use of finance, in this case many people offer solutions for investing. Then the question is whether the investment can be profitable?
There are several investment methods that we can use in Cryptocurrency, Bitcoin or Altcoin, as far as I know Bitcoin can maintain value, so that the use of money is much more targeted, although we cannot ignore the fluctuations and risks that will arise, Bitcoin has given a lot of evidence to choose from, so there is no comparison with altcoins.

2. Deposits
Deposits are more likely to be interpreted as saving money in a bank, deposits generally have a period of time for the owner to be able to withdraw the money, because they are vulnerable to maturity given by the Bank, more simply deposits are products issued by banks, so there are many restrictions that must be met.

In a more general elaboration, deposits can actually shorten the use of the money we have, so that the achievement of profit targets is not comparable to investing in bitcoin, because the profits provided are not large, even though deposits are also investment instruments offered by the Bank.

Humans live full of prestige, so chasing something that is not needed, this way of life is not a good behavior, because it will make people buy things not because they are needed.

The three things you mentioned are other instruments and have different meanings. Sometimes people see these three things as something that is needed, but some others see it as a way of life. The class and degree of a person's life must be different, as well as the needs that must be met, but if life is brought to a simple nature, then the needs will definitely be adjusted and place something wiser.

I think almost everyone is thinking about that now, but on the other hand there are still many people out there who are still confused about what investment to make because it is our dream, of course, to still dwell on the pleasures of old age by harvesting what we are currently planting.
On the other hand, it's actually not too wrong to use money to buy some necessities, such as electronics or gadgets. We are now required to keep up with the times where it is increasingly leading to technology that is indeed very up-to-date so indeed when we see it we also have to be open and not close ourselves to things like this, especially now that smartphones and other electronic devices are sometimes very useful for support the necessities of life.

You say you don't put it all in crypto and then you buy most of the bitcoin and leave 20% to buy altcoins. Where are they different? Putting your entire fortune in crypto is much riskier than depositing your money in a bank. If it were me, I would put 50% in crypto and 50% in the bank in case my investment is lost or disappeared.

A bank deposit is not the best idea, the interest that you can receive on a bank deposit will be lower than the current inflation, which means that your money will only lose value, and do not forget when you give your money to a bank, you trust your money to a third party , which is also not the best option in terms of security. An investment in bitcoin is an investment with a perspective, a bear market cannot last forever, I think that in the near future everything will change for the better and the investment will bring profit.

Determining high investment is not recommended but 30% of owned fund may be better for crypto investment for long term, but I suggest to avoid investing in altcoins due to high risk even though it is top altcoin, so focus to invest in crypto for BTC and set analysis you to buy BTC at the lowest price in the bearish phase. So the remaining 70% allocation must be allocated for basic needs and 20% for emergency fund savings because we have to have future health insurance from our own funds or for other unexpected needs.

I would invest if I were to be asked. Better to let it sit in someone (trusted) else's hands and multiply it rather than deposit it somewhere and let it idle for nothing, collecting no interest whatsoever. Or if I were to use it, perhaps I'll use it to start another business and do everything to let it grow. Money sitting idly on bank accounts are of no use to their owners, but to the banks they are of great help.

At this time we may still be productive with a large income, but we must remember that in life many unexpected things such as sick, accidents, or companies stop because of many reasons, when we have no income then we will be difficult and from now there are many The thing we have to improve is by investing, investing even with a small value for example 10% of our monthly salary.

Don't put all your money in one area, spread your assets, bank your savings and diversify your investments. It is wise to invest to find ones with higher returns. Investing in cryptocurrencies is risky, and although Bitcoin can be more profitable, it requires long-term holding to obtain high profits. When Bitcoin falls, profit from the bank's fixed interest rate, and when the price of Bitcoin rises, you can see a higher return on investment.

Banks do not give interest in this day instead they collect different charges or levies from banking customers to reduce there money in the bank. So if someone has$100, 000, I advise the person to use it to buy BTC even if BTC is as low as 10$ and let the person keep it there for long team investment. And when bitcoin price soar hebor she can sell it and take his money back but if you deposit that money in the bank within 3 years, it will de-appreciate. Instead of getting interest, you have lost.

This is not true, although we do not like banks, we do not need to speak badly of them, depositing money in banks is still profitable, but the interest is very low, and insignificant.


If bitcoin drops to 10$, I will be skeptical and not invest more there, there is no guarantee that it will rise again. You should know that each bitcoin is worth $17k, and if it drops to $10, it will be a shock and possibly the end of the market, let alone more investment. I don't believe anyone dares to invest more when bitcoin drops to 10 USD, if there is, only buy a few hundred dollars in the hope of winning the lottery.

"Well, if someone is able to find money to buy vehicles and apartments, how can he not find money to eat everyday or for his daily living expenses?" Well, I know a lot of people, at least people from middle class, that they drive BMWs, Mercedes but can not even afford to fill up the gas tank. I am not kidding. In my country, too many people can easily get loans from banks and they assume they are successful businessmen but only know how to  buy fancy cars and apartments. They truly can not find money to eat everyday or for his daily living expenses. Credit cards are the only means to "keep" them alive and God knows when they are going to commit a suicide. Last month in the city I am living, a midde-aged man robbed a bank for he was so broke and couldn't pay the loans. Police surrounded the bank and the negotiation was not fruitful. Finally this man was shot dead on secene by the sniper. You think this is only a piece of news happening in small odds ? Robbery maybe, but men like him are everywhere.

Now the bank investment return is around 12% yearly now. $100000 is not a small money, since I don't have the use of it and can not stop my expenses at the time, I will rather invest in the bank expecially during this dip that is market condition. 12% of the savings is a huge amount. I worked for the savings so even though I invest in bank that shouldn't be a problem because my interest is guaranteed and I will be using it to cover up for expenses or increasing my investment. I think buying bitcoin or any other altcoin is not a good idea.

I will do both with the money I have 50;50 ,
there is a reason that made me do this, because as we know if we invest in bitcoin it is very volatile, even though the profits you can get can multiply in a matter of months or even weeks if it's a lucky one, but I think more about the risk of loss if bitcoin always declines not profits in the near future because we know investing in bitcoin is not for the short term if you want to get maximum profits like 2021 yesterday
and if I deposit my money I can make withdrawals when I need money quickly because the funds I save are safe in the same amount when I deposit them

The annual interest in banks are too low, it's like you're letting your money sleep without gaining anything. Well, it's good to have savings but that's huge to just entrust to bank, they're the only one benefiting to your money by giving loans to their borrowers. Anyway, if i'm in such situation having $100k savings, I will invest the money in Bitcoin and gold and leave 10% in bank for emergency. Investing is always the wise decision but remember to only invest in things you have knowledge with and you're aware of the function.

Depositing all your money in the bank is really a waste when you leave your money sleep, and do nothing else, it's like the mindset of an older adult with no will to move forward. Maybe the current interest rates of banks are higher than in previous years, but you forgot to take into account the inflation that we are experiencing, most items increase 20-30%, while the profit you get is only 12%. You may find that your money is not increasing but is losing over time, and if inflation does not stop, your money in the bank will soon go to zero.

If $100.000 is just for investment and i don't need that money, i would definitely invest in Bitcoin. Yes fixed interest rate and risk free investment may be attractive for everyone but there is no situation to double their investment. I take the risks that may arise by investing in Bitcoin. But the possibility of my btc investment to grow in a short time excites me more. On the contrary, if my assets decrease, i will not be upset because there will be an amount that I do not need. The idea of ​​fixed income is not for me there are always risks in my investment. But i do not make risky investments with my last balance.

You have a point about inflation. Also, as the years go by, the money you've stored is decreasing its value means that most of the items you'll purchase are more expensive than the previous years. Though you earn profit from the interest rate, it is still insufficient. Most of those investors and business owners prefer to invest their money than sleeping it in the bank as they can gain more profit from it, though here are the cons; since you'll be risking your money, it also has a chance of losing it. But remember, how can you gain a massive profit that can make you rich if you don't take the risk and just store it in the bank?

If I have that amount of "free money" where I can completely dispose of it without worrying too much, I would definitely diversify my investments and allocate it to different investment mechanisms available.

For example, I would allocate around $5000 worth of BTC and HODL them for long-term; deposit around $30,000 inside the bank for interests; and invest the other in altcoins and other instruments. The key here would be to diversify and allocate them into different baskets in order to at least give some protection and security on its price. If you invest all of your eggs in one basket, then expect it to fail at some point.

If I had that much money, honestly, I wouldn't use that amount for just one investment. Because I believe it's still good not to put all your eggs in one basket. And that's an effective way. For example, with that amount I will put 25k$ in Stockmarket, 25k$ in Real estate, and 25k$ I will put in 4 cryptocurrencies such as Bitcoin, Ethereum, Bnb, and Polygon.

This is just an example of mine that if I ever had 100k$ that's what I would do as an investor in this type of business industry.

It's not a small amount, but if it's free and, in case of loss, it doesn't affect my life or other expenses, then I would also risk investing it all in bitcoin. If unfortunately, bitcoin can't rise again, I will lose nothing but if bitcoin hits 100k or 500k in the future I will become rich, then it's worth the trade-off. But if that's all I have, I will only invest 40% in bitcoin and 30% in other assets, the remaining 30% will be put in the bank.

I think you should diversify. $100000 is a lot of money to be sitting around doing nothing, and it could cover a wider array of assets on your portfolio. That being said, you could invest some of it in real estate if possible, deposit some of it on a percentage that is your discretion to emergency funds, and last but not least some of it in crypto and a safety deposit. To cover everything means to win at everything, at least if one of those fail you still have a couple of assets that you could rely on when push comes to shove. You should never have to choose between saving and investing with that amount of money, and investing it all is a big risk, depositing it all in a bank is a waste of potential profit as well. Aim for the middle ground.

Considerable allocation and i would definitely be doing the same if ever i would really be able to have the chance on having that money.It might not be much for other people but for most then it is really still a

good sum which there are lots of things which you could really do with that amount,whether you could live a life where you do buy the things you do want or like or would be focusing out

on making out some investment whether on Bitcoin itself or into other things as well.Its up to your own choice and you are the ones who would make out decisions for your life
not only on other things but also with finances too.

sometime - bad time and bad luck finds you in the big crowd - and you keep wondering why it has happened and how it has happened. I invested once and I never did that again - it was a huge lose and it took me months to recover the loss.

I prefer to invest it instead but I won’t go all in investing. Bitcoin can be seen as crypto’s highest potentials but putting all your savings in it might bring a lot of risks. Invest only an amount you can afford to lose. Also, never leave your bank account empty, there should be at least enough funds to cater for your wellness and being as health will always be our top concern than money making.

I understand you that bitcoin is risky and since this is a bitcoin forum, many people will tend to advice him to invest in bitcoin.  I know $100,000 worth much in some people's currency, so my suggestions would be subjective.
If I am op and $100k seems like free money according to him.  I will do this;
1. Buy upto 3 btc and hodl tight;
2. Use 20k and spread on dodge, bnd and eth.
3. Use the remaining get land in a developing area.

That money is too beautiful to sleep in bank and lose it's purchasing power over the years.

Thanks for your comment. This is the most well organized and reasonable answer so far. You have made a very good point about inverstment: whether it will be profitable. I think most comments here are too much focused on the high returns rather than high risks. I am open to any investment but without calculating riks, nothing would seem meaningful. Speaking of depoists, they cons are pretty much what you described but have you ever considered the sense of security/steady income is more important than profits in this situation ? In my country, even the local banks are broke, deposits below $80,000 shall be insured and indeemed by the central bank immediately. I guess most people just ignore the psychological benefit in this case.  Material possessions vary from person to person and there is no universal standard. I also agree with placing something wiser cause we don't know what the future holds and we are esay to be slaved by materials if we think other people look up to us just based on what we have. Actually nobody cares.

I'm sorry because a few years ago too wasteful and bought a house that apparently had no good prospect for investment, now I plan to sell the house even though I have to lose about 15% and I will use it for more productive things, namely investment land that is in a strategic location.

Besides that I will not be tempted to shop for things that I don't need such as fashion, home accessories and so on.

Maybe inflation can be beaten. Let's just put the free money $100,000 aside. If you make $30,000 a year after tax and meet all requirements of what I mentioned early, now your annual expenditure is $20,000, so you'll have $10,000 left as pure savings and you'll put the 10 grands into banks again. Please try to see the 10 grands as the $100,000's interests, plus the 3% interest rate annually and the more intersts generated by the interest. As time goes by, let's say, 10 years from now,  what would you finally get ? I certainly agree with your investment advice but speaking of inflation, I guess this is not a big reason whether to choose to deposit or invest.

If we save money in a bank and get 12% interest per year then this depends on our monthly needs, if with $ 500 it can be enough for a month then the best thing is to save money at banks, but I prefer to use business or invest We can get greater if we dare to business or invest.

Creating two anchors might be better, by investing 70% in bitcoins and keeping the rest for unexpected fulfillment. Because if we deposit all the money we have, then the use of money will not be at the stage of maintaining value in the long term, therefore investing in Bitcoin is considered the most appropriate step for now.

What must be understood is that every investment has a certain level of risk, but as long as we are targeting the investment period and knowing when is the right time to enter the market, this risk can be minimized as small as possible. 30% of the money we have can be used for health, education and other unexpected financial needs, because if there is no money saved, it will actually have an impact when these conditions occur suddenly. This is the reason I say that an investment can be made in two anchors, 70% in the investment and 30% in health, education and other contingencies that will be needed at any given moment.

I would say that both, investment and deposit have a level of risk. Despite those levels are different, the fact that there are chances of loosing money in both cases pushes me to look more on investment. Another factor - at our banks, deposit percents are so low and are taxed, that simply lending money in the end gives similar profit. That is why investment is my option. I'd better spend time on research, risk and get a higher amount of profit, then get several percents of deposit body in half a year.

I say we diversify. Not going all-in on either saving it a bank, Bitcoin, property, etc. It’s all about balance and risk management.

Yes I know that it’s really tempting to invest a lot of money on Bitcoin and other kinds of investments. The risks are high, but same as the rewards if it goes “to the moon” unlike in banks where we can only get a few percentage per annum.

Indeed we should use our money wisely and never go all-in.

When we deal with investments, the step that needs to be considered is risk, even though all existing forms of investment have different levels of risk, while the return is the result of the investment we make, if we have set measurable standards and qualifications. Investments will proceed according to the steps and strategies set, if you understand the efficiency level of utilization. Mistakes in investing will also be fatal, if the risk is not minimized with the appropriate level of accuracy.

You know better the standard of using money, psychologically we have learned two things in placing the money we have?

1. Investments
Qualifications for investment also can't be ignored in the long term and short term, when considering the fixed income and overall profit in the investment journey, if you can take two parts at the same time it is even more profitable, you can use fixed income for short-term investment, meaning when you get profit, then you can withdraw some and try to add another half in investment, if you do this repeatedly, then you will also get stable income.

2. Deposits
A model like this will not be able to maintain the value of the currency, the profit you get is also a little according to the standard set by the bank, assume you save $ 80,000, then how much profit will the bank give you, then try to calculate the investment in Bitcoin with the same capital. When you have done these two standards, the answers to the choices you take will be easy to determine.

If the consideration of insurance guarantees, the correlation of bitcoin investment will never be relevant and in line with our understanding, it also returns to people's readiness to take steps to start investing and in my opinion, almost many investment models do not have insurance guarantees.

We are valued not based on how much money we have, when someone has found a way of peace, then something valuable is no longer a problem, but in essence humans need money but not how much they have, because if we talk about this problem , then it will lead to a sensitive and relative meaning. That's why money must be used wisely and on target.

First off, I don't really recommend to let your money sit in the bank doing nothing except for just wait for that 3% interest per year. Yes, I know that the money is growing but I consider it as a stagnant money or dead money just waiting for us to withdraw. Money is not designed for that either, it's designed to circulate. So, how do we circulate that same money while getting an advantage/profit from it? Through investing. May it real estate, stocks, bonds or cryptocurrency, as long as it's circulating and provide us passive income even while we're sleeping.

If I have $100,000 in my account, the last thing that would come to my mind is to deposit the money in the bank in hope that it will yield 3% interest rate. I don't like banks there's really nothing good about them. I would rather invest that money in flipping properties or commodities on eBay or any of those e-commerce sites. The return on investment on this would be 5 times better than when I deposit that money in the bank for it to just sit there and do nothing. Use money to make more money.

Depositing money will never make you rich but investing has the potential to pay off in the long run. However many people think they can quick double or triple their money without realizing the investment requires a very long term commitment to do it properly. That means continuing to contribute new sums over time and on a regular basis while practicing and refining your strategies. It is not a "fire and forget" type venture because the moment you start ignoring your money it can go very wrong. The best investors are the people who accept small rewards over a long time (5-10% per year) from dividend payouts, rather than trying to pick stocks which may go up in price and are highly volatile.

It is not a good idea to invest a significant portion of your savings in any one asset, especially a volatile one like Bitcoin, without a well-thought-out plan for managing the potential risks. Diversification, or spreading your money across a variety of different assets, is one way to manage risk and protect your savings.
However, if you are looking for a long term investment plan, then I will say this is the best option.
And remember this.

Also, don't forget to invest in tangible assets, look outside the crypto market.
Think of real-estate, jewelry and other assets that you think you can easily own but will assist you when you badly needed funds.
Bitcoin is one digital asset that you can own, however, to ensure that you will have something to go to when crypto is in bad shape,
you need to consider other tangible assets. What if you can't access your wallet for any reason, and you need money immediately?

Well, i will still consider investing more than 60% of my money in bitcoin. The reason is that bitcoin is the most secure and the chances of failure in bitcoin is way less as compared to any investment in any other altcoin. Yeah, you can say that invest in different alts and not keep your money in one asset class but why take risks when other asset classes are too risky to keep your funds, especially for the long term?

Most altcoins fail in the long run while bitcoin is the best investment for the long term.

Dividing money in many places is better and safe, this strategy can save us from losses or loss, some types of high -risk investments of course do not be the biggest portion, because there are many unexpected things so we have to be smart to divide money in the right place .

I don't pool all my funds, I spread my assets. A small part of the bank is used for emergency expenses in life. Most of the funds are used to invest in Bitcoin and hold it for a long time to make more money.

It is 100% true that if one wants to increase his money double or triple or more then he must invest his money in some business or something else from which he will get profit.  But if one keeps his money in the bank then he cannot earn much profit from it.  If he keeps the money in the bank as fixed deposit then few people may earn interest but it is not very potential for him.

I guess OP won’t be needing the money for now so he can’t donate it as he might be needing it in the future. He can actually invest it in bitcoin for long term, but definitely not the whole $100k, maybe half of it. And then half of remaining balance he can diversify into stocks, bonds or assets. And the remaining balance he can keep it for his own savings. He might be needing it instantly when future circumstances suddenly appear.

Always allocate funds when it comes to emergencies since we dont really know on what would happen ahead or in the future which it would really be that hard if you cant pull out your funds into your investment on the

time you would be needing it.This is why its really that just right that you should really be wise on making out allocations on certain key areas which you do really know that it would really be good
or would be benefiting you in the future.You should really be wise on making decisions.

Dont go all in with that 100k of yours with Bitcoin.There's no guarantee even though it does have that potential but we dont know on what the future holds.So better
be safe and having that risk management.

Many people are aware when they do not have money so they regret and want to invest, mistakes that are often made when having a lot of money is to use for pleasure, and from now we have to change thoughts to use money for useful things such as investment.

But still depends on the people if they want that 3% interest rate (which is huge from today's date) as you will get more profit and at the same time it has a low risk. But again as always higher risk equals higher rewards which are bitcoin. It is really best to diversify it and also put some money in the bank for a time deposit since for sure he will need it in the future, if not then he needs to donate it to someone else that needed money.

Could not be more correct, diversification is the right thing to do, not going all-in into one asset even though it is safe or can give us great returns, everything is risky, so diversify to reduce and minimize risk.
But in the case that OP mentioned: $100k is idle money and has nothing to do with other living expenses, then I think we should invest and spend most of it on bitcoin investment. In the worst case, if bitcoin can't grow or crash, we will lose that money, but luckily, it doesn't affect our lives, so it's worth a try.

While the truth is I am a big bitcoin fan and supporting this coin all the way , I must admit that I also diversify from some altcoins , maybe at least 30% of my total investments are in Altcoins , so yes diversification is always best because I must say that in the past I already gain from all of my holdings.

I can't allocate that kind of money arbitrarily, even if it's free or without any connection with other things, you still have to have good management to maintain the value of that money and have to provide advantages and benefits to people around you.
I plan to use the money 5% to help people who are in trouble or affected by disasters, 30% to open new business opportunities and open job vacancies, 50% most of this I will use as a long-term investment in bitcoin, and the remaining 25% I will make a reserve fund, tax payments and others for the smooth running of my business ecosystem.

If one must invest his money on something, then it has to be a profitable asset that will yield more of its kind than anything that is liable of taking away from you, the mistakes most people do is that they invest on liabilities not knowing and with time their investment worth will not yield anything and yet not able to meet up with the current market situation of prices with commodity, which means what one hundred dollars can buy will no longer cost that same hundred dollars but would have inflated to something close to two hundred dollars, but if your asset invested on yielded it kind, then it wouldn't turn a liability anymore since you can still afford the inflated price and fiat is not a good investment or means to deposit your money over a long time.

Investment is the best option for managing our finances, don't get carried away when we get money and income so we always use it for things that are not useful, for example, being too wasteful or buying a lot of things we don't need, sometimes we have to force investment so that we get used to it and are disciplined.

I think to solely place the 100k money you have on a single venture is just a little too complacent. And is bound to lead you to greater risks and losses as a result, one way or the other. Investing all of it would yield you greater risks at the expense of a greater profit potential, and with the market looking very volatile right now due to recession and other economic factors, investing it wholly is not gonna be wise. On the other hand, saving and depositing all of it in a bank will yield you nothing but peanuts in the long run. 100k is a huge amount of money and is most of the time sufficient to cover multiple ventures at the same time. I would suggest you divvy it up to an emergency fund, some of it to your investment and assets, and another as savings. Don't mix your emergency funds and savings for one another because savings should be kept ideally until your retirement, and emergency funds are only to be used for emergencies.

I would prefer to invest my money rather than having to save or deposit it in a bank. because the reason is actually quite simple. depreciation of the currency is not proportional to the interest offered by the bank. Maybe not in every currency. But it happened in my country's currency. The price of building materials increases every year by more than 10%, even not during high inflation like now. and guess what happened when inflation was as high as it is now. then the increase in any product will be much higher. when in fact it is not a product that becomes expensive. but the value of the currency itself is shrinking.

Bitcoin investment is indeed more risky. even the decline can also be deeper. but if held in the long term we can expect multiple profits someday. for example when the bitcoin halving started. do not have to exceed ATH. if we buy now and bitcoin returns to $32k then that means our money has grown many fold. then especially if btc creates a new ATH.

But still, for me the investment is also divided into several parts.

- high chance and high risk part (bitcoin)

- the part that is low risk and has the expectation of a high chance of increase in the future in a very long period of time (property, land and the like).

and I chose to invest about 80% in the second choice. and 20% in the first choice.

I am not really excited with Bank interest about 3% until 10% in one years and seems small fund or profit return based on $100,000 saving money, better use for trading in Bitcoin and focus trade at big potential altcoin only. I sure have highest profit return than saving or locking our money in the ban trough deposit.

Have risk if want earn Bank interest, need to lock our money one or two years later and get penalty or cut off our saving fund if want unlock before due date, but if use it for trading and use short term way I think easy earn profit about 4% until 6% in daily day. But interest in the bank without any risk yet and different think when using for trading in cryptocurrency.

Don't ever get carried away with current money which we think is a lot, there have been many stories when people had a lot of money and then went bankrupt, the thing they do is waste money in vain never thinking about investing so when the money runs out they regret it and this is already late.

Just end up watching the financial guru on how things going on their way. I'm not sure if I watched the correct person but I must say he got a point. Investing is the best option cause if we deposit cash in banks there are different regulations we must be aware of. Of course depending on what kind of investment we are aiming for. Always asked for financial strategist an advice before spending your money in investments.   

Some of them got bankrupt because they do wrong decision maybe on their investment and also with their spendings. If they could just think about spreading their wealth on good investment and hire a professionals to help them with their finances maybe they can save from getting bankrupt.

People need to know that money is temporary and if they are not careful on what they do with it they could lose everything they had.

I think the most important thing is to keep looking for sources of income, when we are busy looking for income then we automatically don't have time to use money extravagantly, if we only focus on spending then I'm sure we won't be successful, in life there are many things or unexpected expenses.

There are only two ways that you will lose a significant amount of money: not tracking your spending and the second is you get scammed, or your investment gets lost because you don't do your research; it's your fault. Though hiring a professional to help you manage your money is good, it is still best to do it on your own or try to learn it first because hiring a professional is expensive. Also, you only rely on him, and you don't know at all what is he doing. It is best to know first before hiring a professional to support you.

It is actually the best option but not all people have the appetite to take risks in investments. That's why when I'm suggesting my real-life friends, I'm telling it quickly if they're for investment then they should be open to taking risks but if not then they start the principle of saving and growing it through investing. In the beginning, they may not be open to it because they are scared of the risk but it won't be like that forever as it will open their minds about the reality of finances and financial freedom.

Not only do we need to allocate our assets to invest, but we also need to allocate them to save. There is no good investment without risk, once called a profitable investment, there will be risks. Money is hard to come by, and if we misuse it, it all disappears instantly. So, when we have a lot of money, we should never lose our mission or get carried away with our money.
Yes, money is temporary, can come very quickly and go very quickly.

This isn't easy as said. It hard to say $100,000 is a money you can do without. Let's always remember crypto votality when try to invest our capital. What of if Bitcoin drops to $10,000 or lesser after buying. Although I too will prefer to invest but in a diversify way.

Not all investment worth it. I ones invested few hundred dollars in a posi scheme and I was scammed. Isn't that an investment too? The kind of investment you choose determine your achievement. Like he has said it is better for one to consult a financial strategist before investing in any business.

Of course you should stick into those realistic ones and wouldn't be touching up those too good to be true offers made out by those HYIPs and ponzis which is something that cant really be realistic if you do mind off the

realistic way.Thing here is that you do make yourself got greedy and made out some investments.Yes, its considered investment because you are putting something to earn something but going into that realistic side of things when it comes to interest and profits then using up your own common sense that would tell you that this is something which cant really be that true or long lasting.
I do have bad experiences about ponzi back in the past thats why its better to make yourself that sensible on every actions made.

As human beings we have to think realistically that sometimes life can change and we can't refuse, right now we may have a lot of assets and money, but we don't know what will happen a year, 10 or 20 years from now, there are many stories of rich people going bankrupt and lots of debt, investment makes us able to maintain wealth.

0.5% interest rate is the highest the bank has ever offered, but never mind, let's say 3% you earn annually on your deposit. $100,000 cold cash is a lot of money, obviously I'll be managing well in the hope it can increase even more. I will try to allocate 50% of the money to buy BTC, of course for a long term plan. As we know, Bitcoin is able to survive in any situation and when the time comes it will reach ATH which is hard for anyone to believe. 30% for buying gold and the rest for daily trading.

Careful planning will have a greater chance of doubling the initial capital. Deposits at the bank are not wrong, the capital remains intact and the annual interest rate is predictable. Even though Bitcoin investment does not guarantee a profit, most cases that have occurred after the market is moving sideways, there will be Bullish which can make investors increase the amount of their savings.

this year I have made up my mind that I will never invest my money foolishly
I made such a big mistake - and after that i think it is good to deposit and stay happy on what you have rather than losing a big amount.

You have to have analysis to invest, make sure you don't invest 100% for current price condition and leave 50% of investment fund for reserve fund because some factors show indicator of potential downside $14k and I will use reserve fund to buy BTC at price below $14 k. There are many cases of investment losses nowadays because many traders buy altcoins and these market conditions are unfavorable for altcoin holders, so it is wise to choose investments only for Bitcoin in the long term.

i have been scammed and after that it took me almost 6 months to recover the loss.
I lost trust on people and on all the investment schemes.

If they are willing to listen and take things seriously they'll be able to start things the right way,  though I also see that there are people who are already satisfied with what they've got for now.

Not thinking for the bigger future to come and how important  it is in terms of financial freedom,  
invest or save  both are important  if you have that good knowledge  in managing your money.

Managing not only on other things but also in finances is really that something which is really that needed.We are living on a world where inflation does hits hard and if you are that someone who do mind off about finances
and other things then you might be ending up on being having that hard time in near future. Invest on what you can afford to lose though because not all investments would really be ending up on positive which means
risk taking is really something that you would need. When making up allocation then it would be pertaining into different thing which you should really be thinking
that it would really benefit you out on ahead. You should be wise on every decisions you should make in life.

I like that mindset that they just have to start somewhere and you said is right. They just have to start so that they can know what paths they'll take.
And for those that are already satisfied with what they've got, it's only a matter of thing to them. If they want to find something else that wants to change something from their way of living, they'll have to invest and take the risk or else, they will remain stagnant and just be happy wherever they are and whatever they do.

I think when humans still think logically, they will still keep looking and will never be satisfied with their current achievements so they will continue to start over what they think is profitable for life.
Investing and taking risks are things that are actually quite important in this case because of course all forms of decisions will have risks and consequences that are accepted because that is what makes us more able to make life better. As long as we don't dare to take risks, we will never change and will not be able to make ourselves valuable.

That is true, contentment isn't there and it's part of our nature to keep on achieving greater highs and more achievements. That's why in life, we think that it's not that enough but if we compare our situation to the others, it's more than enough. It is that we want to be in a better situation which is greatest for other people if compared to their situation. Well, we have to think of our lives the way it is and as we grow older, we want to have the best life that we can based on where we're living.

if I really have $ 100k and don't really need it at all for living expenses then I will invest 70% in bitcoin and the rest (30%) in deposito, "don't put your egg in one basket"


even though the bank uses customer money to do business elsewhere, I can't deny it, I still need them. there is a bank in my country that gives quite high deposito interest, maybe I'll try deposito the money there (if I have as much money as OP says).

The level of satisfaction will have no limit even when you have the satisfaction that has been achieved but we still feel that it is not enough, so stop achieving satisfaction but we must be grateful for what we have achieved so far, so with regard to investment we must avoid the keyword achieving satisfaction will makes us not focus on managing your investment because we set high profit targets, usually the mistakes that altcoin traders often experience are because they don't take profits after making profits and fluactive market factors have finally turned them into high losses.

Yes, it's a natural cycle that will never end. That's why choose your happiness and satisfaction and when you're an investor and you see your investments moving positively, that's where you're satisfied. And when you take care of those investments and assets you've got, that's where you'll start to think bigger and you will have the idea that things in your possession now aren't enough. After you've taken your investment and you have the money already, now, the next process of spending it wisely is another thing.

Along with the growth of capital, appetites begin to grow ;) That's human nature and there's nothing you can do about it. It seems that the most reasonable option in this situation is to invest 50 percent of the earned and deposit 50 percent of the remaining capital. Another question is that a lot depends on all sorts of accompanying details like your temperament and what degree of risk you can assume, in what phase the market is in a bullish or bearish trend, what is the share of altcoins and bitcoin itself in investments. Therefore, first of all, you need to start from yourself and listening to other people's opinions, you should still have your own strategy and first of all rely on it.

you should always diversify your portfolio to mitigate potential losses. not only in crypto market, but should divert some of your assets to tangible ones so you are not feeling a loser if all digital assets go down hard. depositing in a bank is fairly a secure one, unless the bank goes bankrupt though it is covered by insurance. however, you should not expect good interest coming out of it because banks are known to have a very lil percentage of interest rates.

It's human nature, even though they know greed can turn something that has been obtained into ashes, there are still urges that are difficult for some people to control. The level of satisfaction obtained must be grateful, especially since it has reached the initial target. Crypto investment has a high level of risk, the price can change at any time. Taking profit according to the initial target is better than waiting until the price gets even higher, what can be obtained today may not be obtained the next day.
 

I don't think investing in altcoins is diversification because the entire crypto market depends on bitcoin, if bitcoin crashes, the whole market will disappear. Diversification means investing in a variety of assets such as gold and real estate. But I will support you if you invest a small amount in altcoins, as we are here to make a profit and not to worship something. As long as we know what we are doing and are willing to take the risk, we can invest wherever we want.

Logically many people who are successful and rich are caused by the way they manage their economy well, it's not money that controls them, they control money.

Talking about $100k money for me that money is pretty fantastic I can manage the economy wisely, if I have that much money.
• for sure I will buy Bitcoin as a source of crypto investment as much as 2BTC, at a price of $ 17k, to futures.
• then I will use the remaining money as an asset or source of my business, which is clear I can develop my economy in a real business with the remaining money.

Only two things that I can do, maybe it's something good for what I want to do with that money.

&100,000 os a lofty amount for sure and I if i were to pick waht to do with it, supposing its a free money although, I like to categorise free money as that money in which, am ready to lose.$100,000 isn't a free money to me and so, I would be skeptical about picking an investment scheme for it.
Am surely going to get some bitcoins and that's for sure but, having yo save my money in the bank with fiat currencies, that's something am likely not going to try.

Maybe I'll sort out myself by taking my chances with gold but, I can't jump  unto fiat currency with such amount and have the banks make maximum use of my money.

your thinking is very wise. and I think that's the right step to do. i.e. make preparations while you still can. like investing while we still have income. But doing so might be a little difficult for some people. but even though it is difficult it does have to get used to it. because we will even get older and when we are old, of course we will retire. and that's when we can enjoy the results of our investment for a long time to be used in old age.

wise as indeed, investing while you are young will give you a much more comfortable life once you decided to retire, you can enjoy your money
as early as you can if you successfully do the right thing with your money.

There are many ways that you can explore and the chance of succeeding is possible if you are
good at sorting out the ways and you act in the right timing of your investment. The options are
always depends on how you see the success will favor you.

Some people been not thinking about their retirement or those old age time or moment because they are really mainly thinking that they would be helped out by their own sons and daughters which i would

say that it is really a wrong mindset.You cant really assure if those things if they would help out on the time that we are old.So better make yourself insured at least and
able to survive even if they would try out to abandon you or they do live on far off places. Majority had been neglecting these stuffs which
later on you would really be realizing that you should have started up early when on this regards.

precisely. Preparations really have to be done since we are young and strong to work and make money. Maybe now when we still make money and have the strength to work. We sometimes forget about the preparations for old age. But actually time flies so fast and not felt. and I think people who don't prepare since they are young will surely have regrets later when they are old and unable to work anymore. our children they have their own life with their families. so it is wrong if we expect too much from them in the future. because they will be more busy with their respective families. maybe they'll only look at us once in a while. so don't expect too much.

The advice you say is absolutely not wrong, because active income can only be obtained when someone is still actively working at his job every day. But that will change when he is no longer actively working so it is clear that he really needs to apply investments or other passive income in order to continue to have income from a different direction in his life. So making the money keep spinning is a very appropriate solution too in my opinion.

If we have known the world of bitcoin for a long time, then with the assets we currently have, of course, we will invest in bitcoin, especially the price decline that occurs today is very suitable for getting large profits in the future, and this will exceed the 3% that banks give every year, but some people still doubt that the value of bitcoin can increase again in the near future but this is not a reason for those of us who are already convinced of the time Front of Bitcoin.

True, by using money for things that are useful then we will not regret it in old age, as long as we are young and easy to find money then save it all, if it looks big then use it to buy land and then build a shop building that can be rented out so we have provisions if it doesn't work anymore, don't regret being wasteful.

A very subjective topic.

Not all people know Bitcoin. Most of the people especially the elderly ones don't know about investing that's why they prefer putting it on the bank because it is safer there and it earns interest annually. Little did they know is that the buying power of their money is slowly declining because of inflation. This is the thing that most of the people don't know.

For me, I don't need to choose between the two. I will pick invest since you said that "I didn't need the money to cover my daily expenses". Assuming that I already have completed my emergency funds, I will invest all of it but not in Bitcoin or crypto only. Diversifying into different assets is a better option.

Diversifying in different crypto coins is very different in diversifying into different assets. Diversifying into different assets mitigates your risk and lowering the risk of you losing money. For me, I will invest that amount of money into crypto, stocks, real estate (particularly in REITS), and Bonds.

Don't leave your money in a savings account, that's the worst thing you can do at the moment. 3% interest rate sounds nice, in my country it's more like 0.5%, but comparing that to 10% inflation you are screwed. Leaving money at the bank means you lose a lot of purchasing power each year. It would even be better to spend the money today and enjoy it as long as it has some value. For 2023 the inflation is not expected to come down much, we need to prepare ourselves. Investing is the only alternative to try and protect your money. Putting all of your 100k into bitcoins is to risky in my opinion. It would be better to invest 50% into stocks and bonds, the other 50% I would invest in cryptos, with 25% into Bitcoins and 25% into the top 5 alt coins. The more you spread out your money the better you are positioned against big price drops. Diversification is important to build a less risky portfolio.

For those of us who already have assets that do exceed our daily needs, investing in the future is a very correct decision, especially now that the decline in bitcoin is so big that the opportunity to make profits in the future is very open, and this will exceed the profit we get from the bank if we wait for the percent we will achieve every year, But not everyone will do the same because they definitely have their own way of continuing to grow in the future.

Let's be frank OP you'll definitely invest in Bitcoin if given such opportunity to do so because everyone wants incredibly amazing return in their investments and that is one thing crypto does and that is why most people dive into the space and industry and it's begining to thrive.
I personally will invest 50% of the money in Bitcoin and the other 25% in Ethereum and with this two, I wouldn't have to bother so much and the the other $25 to seek other promising alt coins but will be doing the last very carefully

Money will forever be the major factor of you wnat to get anything achieved of done as fàst as one can achieve

Money kept in the bank will only be used without the users awareness borrowed and used to make surplus
Although Money at time can never be the problem when passion is the main focus and glue.
Money should be invested not deposited

If you have $100K in your bank account then I don't think you should spend 100% of it to invest in bitcoin no matter what your reasons are. Use 50% - 70% of them to invest in bitcoins and 30% of them for deposits. But of course you can spend everything to invest as long as you are confident and able to take the risk of volatility.

Think about DCA, meaning you don't have to make one purchase for that $100K, make multiple purchases to get a better price. One thing about bitcoin, we never know about the future. Bitcoin can go lower than people think and conversely it can go higher than expected. There is no consensus on prices, the market is free trade.

what? how can you diversify if you will only put your money in Bitcoin ? meaning that is a sole investment and remember that never put your money into single basket/tray mate .
i never said to invest everything in altcoin what i said is small amount must be in altcoins and majority is for bitcoin.

I would prefer to put my money 30% into the bank and 70% into bitcoin for long term investment.
•enter into the bank 30% to get a stable profit in the long term and be able to cover losses if one day a bitcoin investment crash occurs.
•70% of investment in bitcoin to gain greater interest for the long term with the assumption that bitcoin has far greater profits than interest in banks. so I will put more of my money in bitcoin than having to put more in the bank.
yes it is true that it is very risky if you invest too much in bitcoin, but I think bitcoin never disappoints its investors and always gives very high prices when bulls come.

According to my understanding, he is saying that just investing in cryptocurrencies is not diversification, and I agree with that statement. Investing in bitcoin and altcoins does not extend beyond the crypto world, so it cannot be called diversification, investment diversification is investing in other assets like gold or stocks...as long as they are in different sectors. Not putting your eggs in one basket means investing in cryptocurrencies, stocks, and real estate...

Wasting money is really not recommended in life, because saving money for necessities is a better thing to do. Because it is for yourself in old age so it is not a problem if you have to save money from now on in terms of gathering supplies for yourself. Because it will be very painful and sad if when you are old there are no provisions to enjoy anymore. So use existing assets in everything that can circulate money continuously and the rest is saved for old age.

If you have a good savings your life is more easier, that's the fact, especially if you'll going to explore your opportunities in finding a good way of investment using your savings.

not easy but doable if you are really kin in finding the best way that might be fit to how you desire
your success, focus and always be open in every learning that you will encounter along the way.

I am not sure about the future of bitcoin, bitcoin is still the riskiest investment, IMO. But with this $100k as idle money, as OP mentioned, I will agree and do the same thing as you, 30% to save the bank and 70% to invest in bitcoin and altcoins. In this case, I will be a bit different from you. I want to put 10% into investing in alts because I think I will take the risk to seek more profit with alts.
70% is cryptocurrency, I think it's not too risky because this is idle money, so it's worth a try.               

Investing nor saving for old age are not a waste of money, I would say. But then again that is a relative definition. I think everybody has a completely different interpretation of what "wasting money" actually means. For example, if I were to buy clothes, I would see it as a waste of money if those were brand clothes with thousand dollar price tags. I prefer good quality but decent price. Another person would see it as an investment into his social life because he is surrounded by people who think the same way.

For me, I think its both good to set aside money for old age but also it does good to not forget to live in the moment. We are alive now. Tomorrow is not assured. So saving every single penny for old age is nonsense.

I say its better to save/invest half your extra money and the other half spend on meaningful things.

50% in banks and 50% in bitcoin, although bitcoin offers good returns, the future of bitcoin no one dares to guarantee success. So always leave yourself a backup plan. If bitcoin fails we still have 50% capital to start over, don't invest all in bitcoin, too risky.

If I own 100,000 dollars, I will invest in Bitcoin and some of the top altcoins, an amount that I can lose, but it would be wrong to put all my wealth in cryptocurrencies due to the extreme volatility they contain. Frankly, bank profits are useless. 3% is not considered a completely good profit. By investing in bitcoin and promising altcoins, you can get many times this percentage and make huge profits, but you must have experience in trading and analysis, or you can follow the recommendations and analyzes of professional analysts constantly, but you should not rely on them mainly, and it is important to follow the news very well, and then you enter early in terms of taking advantage of any hype or any popular event, which in turn leads to an increase in the value of the currency, and you must invest and trade without emotion or feelings, and you will achieve impressive successes.

If you are willing to take some risk in exchange for potentially way higher returns, you may consider investing in Bitcoin or other cryptocurrencies. They have the potential to generate significant returns over the long term. You just need to know what you are investing your money in. So you must read the project and the white paper beforehand.

Let's make a comparison first between saving money in a bank and crypto trading.
If the money is $ 100k * 3% then every year you will get $ 3k, stable without risk.
If you trade $100k Bitcoin you will get 6 Bitcoins, the current price is $16,671.
If the price changes $ 17k in 1 Bitcoin, you will get a profit of $ 329 * 6 Bitcoins = $ 1,974.
The price change is no later than one week, but full of risks.
Which do you think is the best? For me investing in Bitcoin is the best.

If $100k of funds allocated specifically for investment then of course will choose Bitcoin investment, even though the risk is high but the current price of BTC is very close to $17k, it means that you will earn $2k profit for short trades instead of bank savings, so why choose bank for passive profit relatively low profit for high deposit, bank will get a lot of profit from high deposit although you are not aware of bank system for customer money circulation to increase annual profit. Crypto is much more profitable than bank interest, but you must have knowledge and risk management if you want to get involved in bitcoin investment, even though the current price is low, we must prioritize the DCA method to buy BTC gradually starting at a lower price than the current market price.

You should be always mindful about the risks and dont always mind off about the potential profits considering that this market is really that unpredictable then there's no way you could really make out assurance.
When it comes to potential income then there's no doubt and there's no question about if we do compare on storing up your fiat on a bank which does only give out that 1-3% annual on what we have
saved which its never been that ideal if you are really that goes after on how to make your money big.Dont let it sit on your bank and it would be good if you  do consider on making out some
investment but of course thats if you could only bare up with the risk but if not then you would surely stick with banks.

Compared to a deposit, of course, investment is the best option to continue to grow our money, in the past, if we wanted to invest in stocks, we needed at least thousands of dollars, but now with $ 100 we can buy and choose the stocks we like, especially the presence of an application on a smartphone, which of course makes it easy for investors to invest, besides that it's even better if we also invest in the types that are currently trending, namely cryptocurrencies.

Some people will prefer to deposit their money in the banks because they do not know what to do with it and this is not the best. The reason why people deposit their money is because they lack ideas on how to invest it. It will be best to always go for investing, depositing money is not of any good because it won't add value . Money is suppose to grow and this can only happen if money is invested.  It is important seek for knowledge to get understandings how to grow money.  Growing money might not be just in crypto alone, but in other areas , investing is always the best option on to make money get value.

It doesn't that if you have money and a smartphone you can now invest in it and gain profit. It doesn't mean that it is trending you will get a ton of profit from it. That kind of mindset leads to losing your money and feeding the market. The key always is knowledge and research first before jumping to a conclusion into investing it, it doesn't mean you have the money you can invest and earn, you be going through a lot of processes first.

But if you are new - than you should learn to invest so that you don't lose money.
I made an investment - and I did a terrible mistake - maybe I won't do it again ever in my life again.

If currently the assets I have have reached $100,000 then I will use it to invest in bitcoin because the profits we will get later will definitely be very large because currently the value of bitcoin is declining so we as crypto users are a very big opportunity to get big profits in the future, although the risks we have to face are very large when compared to deposits in banks, all of us have a great desire to reach the highest point, so investing is the best way in my personal opinion.

I think so too that it is good opportunity to buy Bitcoin at this time because price is still bearable and investors can fill their portfolio with this gem. Economic condition is not good and it is not suitable time to deposit our money in banks. It's time to think about future and for this Bitcoin is the best option.

Afraid of wasting their money if they are holding it, saving everything inside the bank is the first option and after that they will let it and be contented with small APY coming from the bank.

It's not a good way like what you said, investing is the best practice if you know what to do
with your money, finding the right venue to invest in and choosing the right project to invest
will give you a better chance to grow your money.

In my perspective, investing in Bitcoin would be great because even though the price of bitcoin is falling, we can't deny that buying at lower price in Bitcoin is a discount. The more the price down, the more discount we get. Even though Banks is not risky but 3% annual rate is so small. By the way, base on my analysis of Bitcoin chart, we are in the very support area where demand is, and I will take this an opportunity.

Investment is paramount at this time and we should not forget to split out funds when we consider investing our funds. I like putting our money in different basket so that we can reap what we have saw and eventually if anything happens, we would be able to adjust and with the help of other investments, we can take funds to balance any lapses. This is why it is good to split investment into different sectors so that we can be rest assured of the safety we could get when our money is in different channel.

We have an opportunity to buy BTC at a discount so don't waste this opportunity, I believe when the start of the year will easily reach $20k within a few days after the market recovery, I have allocated most of the funds from the bank for crypto investments and yearly we will get big profit because i believe BTC can reach 100% profit or $32k from current price, so why should we expect 3% profit from bank interest profit.

Yes! It is best way to use money wisely when you avail this golden opportunity to invest in Bitcoin which is now available at very good price, and  we might not see such low price in our life time. Though nobody can say with guarantee that Bitcoin will not slide down further, but as inflation is coming down, beginning of economic recovery in possible in 2023 which will certainly have good impact on all financial market including Bitcoin.

The price of bitcoin now a days is not affordable like it was in previous weeks because the price is starting to climb. Though most of us here will say that anytime is the best time to buy, it is better to buy now than never. As long as you have money to purchase bitcoin, you can do so, regardless of whether the price is high. I am really hoping to be fruitful in the coming years, and I want to see another ATH. So cheers for the upcoming years!

the upcoming year will be more troublesome
In our region there is so much inflation and the cost of living has increased so much, people are not investing in anything because there is so much uncertainty. They only look fwd to full fill there needs

Even though mistakes in the past in investing can also be a very valuable lesson for you so that you are no longer wrong in the future at the same job, namely investing. Because you can immediately analyze where the mistakes are so you can immediately fix them when you want to invest again at another time or at a different time. Because for some people, giving up on a job that is being done for the first time is not a good solution even though everyone has the right to make investment decisions.

As an entrepreneur, i don't like idle assets, which can't generate income, so if i have $100k in cash then i will invest 75% of it into bitcoin and the rest to make my business bigger.  predictions about bitcoin prices that will create new ATH in the future will definitely happen.

Yes, now it's a wise choice to prefer Investment over deposits, actually there are several places to invest and guarantee good, we can invest in Gold or Cryptocurrency, it's just that I'm more interested in Cryptocurrency which is actually equally profitable, because both are very valuable , one of which is very appropriate if we invest in Bitcoin or Altcoin rather than deposit.

But there are also some people who prefer to keep their money in the bank, but I prefer the name investing, depositing and saving money is pointless, now it's better to invest.

investment is surly a good thing to do - if. you gave great mind to decide what to do and what not to
People like me loose money and peace of mind after investing because most of the time - they meet the scammer and don't know what to do after they are scammed and looted.

If you already have broader knowledge of investment, then you are good to go. There are many advantages with investment compared
by simply deposit or saved your money.

Though there is also a risk that you need to understand when taking an investment, there's no guarantee unless
you really focus yourself on collecting knowledge about your chosen investment and you are willing to give your time
and patience to wait for your success.

If I have a lot of money, I will allocate assets to invest and save to reduce risk. Although investing is the more profitable option, never go all in on investing because it comes with a lot of risk. Investing in Bitcoin has great potential and will yield large profits in the future.

Shops and houses are very expensive assets in the city where I reside, but with $70k I can buy two unfurnished shops and a self-contained apartment, after which I will furnish them to a good standard and rent them out. and depending on the location, but the minimum to rent a shop is like $35 to $40 per month, even more in some areas. But perhaps if I rent the shops for $40 per month, it would be $456 per year times 2 (two shops) for $912. If I am also to rent the self-contained unit for, say, $30 x 12 months, that comes to $360.

With that 👆 being said, I will be making approximately $1300 every year.

The remaining 30% of the $100k (which is $30k), I will invest 15% into Bitcoin, 3% into BNB and ETH, and 7% into my business. I heard that some Forex brokers enable users to buy an AI bot that trades and generates profit for their users; I can use 2% to try that out. I will leave the 3% in fiat as to fend my desires with it and have some fun 🤗🤟🤘 too.

This is just my opinion, but if I am opportuned to have that $100k, that's exactly what I'll try to archive.

that is correct - I have seen many people with no university degree earning more than the graduate.
Some people have no shame is doing things - big or small... and they are the most successful of all.
Hard work is a key to success.

Altcoin investment is more like gambling with our funds and not a proper investment option to consider, despite the fact that most people try Altcoins. I would not advise any of my friends to buy Altcoin. Altcoin can rack a person's fund, leaving that investor in the dark 🥴.


IMO, Formal education doesn't determine a person's success; personal interest in being successful and doing what comes after to achieve success could also determine success. 

I have a friend in high school whose slogan is "Making money is not the goal, but becoming a professor is the only thing that drives me." This guy is striving hard to publish his books, gain MSc and PhD degrees, but I am striving hard to make an alarming success.

There is now a saying these days that we don't only need to work hard to achieve success, but we also have to work very smartly 🤓🤓 as well. 

Both, don't forget there is a saying "don't put all your money in one basket". The best thing to do is split your money. Invest 60 to 70% of your money and deposit the rest just to have an emergency fund if ever your investment goes wrong and not because of the annual rate. Split your investment as well, not just in one coin. If you are a risk taker, go altcoin or nft project but make your thorough research first.

Education is not only about output to make money after getting a degree. However, education plays a much more important role in making these humans know what is right and what is wrong. In fact, what you say is true, which returns to the individual himself in determining his success. Because the higher the path of knowledge is traveled, the higher the choices that must be taken.
In this modern era, working hard is not enough if you only rely on your physique to keep sweating, but smart thinkers are able to create jobs that don't have to involve sweat.

Investing tends to be the best way to go over time, but with a few caveats. It's definitely worth having an "emergency fund" of a few thousand to cover expenses that might pop up and avoiding having to pull invested money out. As the major cost with investment is the fees and these are often triggered by things like selling. If you want to make money with banks then do your research and buy a few shares of the best ones within your diversified portfolio.

First of all never ever save more money than you need for 6 months of your expenses as liquid cash, inflation will eat the value and as your post says if the bank is giving 3% fixed interest rate but the inflation is climbing above 7% so actually in the end we will be losing 4% and some unofficial reports says inflation rate is already above 10% so that's the status of depositing.

Investment is the wise choice as we know but don't go all in either its bitcoin or gold or anything, learn to diverse the capital and invest on multiple assets with different risk levels.

That is true. Saving account prposal offered by banks should be forbidden, because it's a scam legalized by the government. They intentionally allow this knowing most people aren't aware about inflation and how they are losing purchasing power along the time by "investing" like this. I can speak for myself, as until some years ago I wasn't aware about this reality, so I was losing money by letting my funds idle on fiat saving account. From that moment all I liquidated all my fiat holdings and went 100% full bitcoin investment, and I still don't regret doing this, because I know my money is safe on long term (at least until the next bull run).

Agree. We don't put all the money in 1 investment. If we have $100,000 in our account bank, we can use 50% to invest in safe investments like land and gold, 30% to invest in risk investments like BTC, and 20% to keep in dollars. We need to spread the money into 3 things (safe investments, risk investment, and stable investment). Anyway, I will never put my money on altcoins or NFT, it is too risky.

Bitcoin is a high risk, you can't put all the money here. The chance to lose money is quite big here, not recommended to use all money.
While Gold has no significant increase in its price, we can't expect to earn a lot of money here. Except having huge money.
So, nothing is perfect, that's why we need to diversify our investment.

I have applied to diversify assets and it works well.
When one of my assets drops the value, I still have other assets that experience a different situation.
For example, when it is bearish in crypto market and my Bitcoin asset looks badly. I still have gold that the price looks raise good lately.
If I put all my money in crypto (BTC), I must be stressful during this bearish market and can't have a source to gain money.

diversification is always the key when it comes to investments. as you mentioned those 3 types, people should always keep in mind that no one will take care of his investments but himself. so yes, should consider tangible assets other than high-risk investments. NFT and most alts are not a very good choice when you think about crypto investments, i would still go for btc if in case you want to allocate some in crypto market.

Gold is one of the stablest investment because it is growing at steady rate for centuries so its good to have in everyone's portfolio, it may not make an investor rich but definitely can be a life saviour from inflation and economic crisis. Problem with the gold is which needs to be secured in a safe that is why it is impossible to keep huge amount by a personal whereas bitcoin is digital asset anyone can keep it in on their own no matter either its few sats or a million bitcoins in one place.

In terms of storage, there is indeed a very basic difference between Gold and Bitcoin, because as you said, Gold will be more difficult to store in a safe if the amount is very large and you need to take special care so that it is not lost due to theft. While Bitcoin can be stored very safely even though there is still the possibility of being stolen by a hacker, this can only be done by someone who is really smart.

The bottom line Gold has less risk when invested, but the benefits are also not too much. While Bitcoin can be made possible to get more profits in investment even though the risk is not low, the easier storage makes Bitcoin a better asset than Gold. Because Gold requires better physical care so it doesn't get damaged or shrink. So I agree with what you are saying.

Bank deposits can be effectively used to save your money.  

For keeping money in a deposit account, a commercial bank pays interest to customers. However, the interest paid is usually less than the rate of inflation.  

As for investments, this is a real opportunity to increase your cash savings.  

Therefore, in my opinion, these two financial instruments should be used in conjunction.

There has to be a lot of gold in order to not fit in the safe, so this is not the biggest problem with gold. The problem is to transport it with you across the border to another country, or the problem is that the bank will sell you gold much more expensive than you can sell it back, and it will take a lot of time for the price to rise to the purchase price.

Bitcoin has a number of advantages, although it is not as stable in price as gold.

if you are good at investing and you have a mentor who can guide you well - than go for it.
I lost 3000$ and got scammed and I spent so much time in recovering it.

to me one should only invest if they are good in making decision - otherwise it is good to deposit money and get what you already have.

Saving money in the bank and investing is risky, nothing is perfect and absolutely safe. Banks are centralized and may face bankruptcy resulting in frozen or even lost funds. Invest the bulk of your funds in Bitcoin and save for an emergency fund. Holding Bitcoin for a long time can look forward to one day earning more profits.

Bitcoin have that advantage but both of you are correct, gold with lesser chance of falling the value is more stable than Bitcoin, but if you are a good fan of volatility and you know how to handle fear.

That said volatility will be your friend in terms of investment, Bitcoin can bring you huge profits
if the timing is right and you manage to invest your money when the value still cheap.

Once the market pump, your money will grow in value, no longer a mystery but that said volatility
gives you the chance to earn a lot.

I would rather invest my money too than to let the bank alone benefit from my hard-earned money. Maybe I will leave 20% in the bank so that in times I run out of cash for my allowance or for emergency funds, I can easily withdraw some amount. And then the remaining 80% will be used to invest in bitcoin, gold, and establish a local business that will also get high demand from its consumers. But the higher allocation is for bitcoin, as it’s the most profitable one yet the most risky to take. With patience and resilience, success will never be too hard to achieve.

If you are that someone whose afraid to take up some risk when it comes to investment then most likely you would really be storing up your cash in banks but its true that instead on letting it park or idle
then it would really be ideal if you would really be that make it work or move via those investments to make more income and make more savings.You would really be finding yourself to be
on having no hardship or challenges when it comes to money if you do have other sources of income rather than on making yourself reliant on one source.
If you do like on that way then so be it but its not something that recommendable.

Yeah, nothing is perfect but saving money in the bank is safe IMO. Your money is there being held by there and being kept to their vault, while them, they're going to use it for funding other borrowers need and they'll take more interest than you, the owner of that money.
We know how their business goes but you have zero risk in keeping your money in the bank until something wrong goes on.
Just like what happened in Lebanon and China, their deposits can't even take their money because that's what the government says so. And for you to avoid that, it's better for you to keep it on your own and just as we keep our bitcoin, you're also the one to hold your cash.

Let me start from the bank investment with the money: the money can only yield an interest or another value when you using a fixed deposit, and actually depending on your time duration before a withdrawal from the bank.

For Bitcoin investment and expecting a potential interest in bitcoin, theirs every tendency that you can as well make a huge profit investing the money in bitcoin, and thing is that the same tendency of doubling your capital is applicable to lose it totally in Bitcoin indecencies that the value can rise and also falls, because if during the investment it enters in bearish season their is every tendency that you might not have a profit and your capital can be equally be losed

Smart people will always invest the money. Depositing money means losing it. Don't misunderstand me; only a very small portion of it will be deposited for exigences.
Then, in addition to purchasing some bitcoins, diversifying your investments will be a wise choice. Personally, I would invest some of the funds in stock market investments and some in real estate.
Since I am a big believer in long term hodling, I'll probably leave the 6 Bitcoins for the 7 -8 years.

It all depends if you're a risk taker or not  , if you deposits it in the bank you're sure of your money to be intact with a bit interest to it but in terms of investing it on bitcoin , it's more of a gamble  , because bitcoin might crash and you may lose your initial money

Yes, it's like that because basically every investment will always have its own risks,
when investing in Bitcoin it requires patience especially with bear market conditions,
maybe you can switch to altcoins and the important thing is always do your research first

Even banks can't guarantee that your money is safe. There's still a situation like filing for bankruptcy that can take place. I also see your point with banks using your saving for lending other users.

They earn a lot of money compared to how much they are giving you on a year's basis,
If you know how crypto works, investing or saving your coins can bring decent profits
only if you understand both risk and profits.

I will choose to deposit half of the money in the bank. Invest the other half of your money. Because some of the money in the investment cannot be credited to the account quickly, I can use the money in the deposit when I need money for any emergencies. In fact, so do I. Half of my salary is saved and half is invested. I don't have any desire to buy now with inflation. I just wish I had more and more money.

investment and deposit are very different and if you have large capital then my advice is to do both, maybe 50% to Investment and 50% again to Deposit,
because that is the best thing to do and the risk will be very small, you can have a healthy profit if you doing this.
especially in 2023 it is a very good time to invest in the world of cryptocurrencies before the price goes up again, and it is said that AI coin is the next bullish trend.

In everything we are doing we need to have the investors' vibes so that we can at least create a better portfolio for ourselves and live a good life. The is need to invest what we have but in a better manner so that we will not lost our Capital in any investors. He that is after to invest would be limited to stagnation.
Tye rich are wealthy because they are ready to take risk whether it is going to be successful or not, we need to take risk to do business and if it works for us then we are going to be winner and if it do not work then we are meant to try again. There is no arm in trying.

Which mistake do you made during your investment. Can you share your knowledge with us so that we won't made same mistakes as you. All I know about investment is that you should made enough research before investing.

With the mentioned $100k one can make $1000 as revenue out of the bank providing 3% annual interest. With the 6 bitcoins out of $100k it is possible to earn bigger than what is being got through the bank interest. We don't know the peak price bitcoin could reach in the future, based on what it have reached earlier 6BTC will bring much higher profit. Only time can give the proper answer for this.

If you have a large capital, then doing both is better. You can deposit and save while investing and explore with trading. It can be profitable if you put more time into earning knowledge about the business.

Most of the time, those who explore and work with their own success are people who use their money
the right way, using it as an instrument to grow and let that money to work for you and convert more
addition by means of trading or investment, it's all up to how you manage your finances.

Invest only if you think you have good knowledge about the investment plan. Don't take the risk blindly
rather than giving money to a scammer or mugger - try to deposit it and stay contented in what you have

Reasonable. If someone does not have enough knowledge about any sort of investment and only listens to what other people say, high chances are that his or her money will be scammed or mugged. I strongly advise anyone who intends to invest should have plan B or simply afford to lose. Playing safe is better than all-in or all-out under this financial downturn circumstance.

10k into bank, for saving and emergency
50k into crypto, diversify into my portfolio, pice is going down and in can hold it of years waiting next bull  run
20k into stock, at current situation most stok is dropping in price, good time to take them
20k into business, to add more diversification.
basicly i will diversify to a few subject that i already have experience with,
never invest in things you  have 0 experience , it's just gambling than

I would choose investment because a deposit will save you money but the value will go down due to inflation.
Stocks in companies that have good fundamentals are the first choice, second is Bitcoin and less than 1% in Altcoins.
Altcoins are the best place to get big profits and also the biggest risk to lose assets so a small percentage is enough.

Investing in crypto is a good decision easy to earn long-term investment profit there is no number of inflation. This requires market practice risks represent the natural costs of capital gain opportunities that investment activity offers. The best investors can do is arm themselves with adequate knowledge and research to help them make effective decisions and minimize risk the best way to avoid risk.

You need to have alternative options if, in case your investment did not materialize, make sure to have Plan B. It will give you a chance to recover or to have an alternative route.

I see both of your points and it's valid in this kind of situation. Savings is good. It will serve as assurance
that you have something in case of emergency while investing is much better to grow your money if you
know how to work with possible risk.

However, you prefer to invest instead of keeping everything in the bank or depositing, in fact investing is more interesting to do and that doesn't mean we don't save assets, most of us also save because savings are very necessary for times of emergency (if this happens), but in the point is that investment is more to do, it's true that every investment will have a risk, Bitcoin is also not free from risk, but it's just that Bitcoin can be trusted properly and we remain consistent in our stance with Bitcoin.

If you already have an eye on Investment (Bitcoin) and how Crypto works, and investing in it will have a good impact on your luck, what we feel is that in investing we only need patience and assurance of the risks we will face, the risk in Bitcoin is smaller than Altcoins.

Saving money well certainly wouldn't be wrong to do, rather than giving it to the robbers. But everyone should try to make investments with money that can afford to lose after gaining a little knowledge about investing. Because a person will also not be successful if he only studies the theory but does not move to do it as evidence of his own efforts.

Investing has become a very common job now and it's also easier for everyone to find knowledge about how to invest wisely and correctly. Indeed, basically knowledge is the main thing that must exist before doing anything, but everyone also needs to make their own practice by looking at the direction of the knowledge he is studying. So that his learning is not in vain and becomes more optimal because he has carried out experiments on what he has studied diligently.

Thanks for your understanding. Very few people really understand what I am saying and most people just take the situation to the extreme and disregard my points here. Too sad.

I think for beginners it is better to choose to keep it in a deposit because the interest rate increases are stable and there is no risk of losing all of their assets, while investing is very risky, let alone not being able to manage it properly.  it all has pros and cons, when we want big profits, the risk is even greater, but it's good to start small first so we know which one is more suitable for us.

but not everyone dares to invest because there are many risks that will be faced, especially after someone saves hard, of course they don't want to just lose their money with the risks they face.

and for qualified knowledge before plunging into an investment, of course, that is something that is required to do, so therefore the right thing and must be done is to continue to save and while gaining knowledge for the investments that will be made.

In today's increasingly sophisticated world, there are so many investment promotions anywhere and in any way, so we shouldn't choose randomly and must be observant to see to minimize the risks that may occur in the future.

so true. and what to remember is that in addition to learning how to invest well. we also need to know and seek information about where we will invest. Currently there are many scams under the guise of investment. even a scam project looks like real. Maybe for those who like high-risk and high-potential investments then Bitcoin is the answer. but I think for investing in large amounts it would be better to invest in property such as land which continues to increase in price from year to year. Rarely is the price of land declining. except because it is located near a natural disaster or land affected by a natural disaster. then surely the price will fall. and it's true that when we can't decide where we will invest, then continuing to save is a wise step. However, continuing to save in fiat is also too risky due to the fact that currency values ​​continue to decline from year to year due to high inflation rates. I myself prefer to save in gold. and i also invest in bitcoin. but only use money that is ready if you have to suffer a loss. because investing means we are ready with the risk.

Being observant and also taking time before jumping to any investment is barely needed, like what you said, it is your hard earned money that you saved and you don't want to lose it with a kind of investment with huge possible risk.

Though, with knowledge and good understanding about the market that you choose,
the chance to make something good in return is possible as well. More on your good
anticipation and good research before placing your money in any investment field.

Finding a good investment is also a very big job that people spend a lot of time on, and this is understandable when it comes to their money. A deposit shouldn't even be considered as an option to keep your money, it doesn't make much sense as you won't earn anything and other than that your money will not be with you when you might need it. Investing is not easy, that's why so few people do it, and do it right.

Why should one deposit his money when the option to take an advantage of investing with it is available, and it does not end only on investing but also on something worth it, an appreciable asset like bitcoin in digital cryptocurrency and not a liability, depositing money in the bank will add to depreciation of the value in it over time because inflation will overcome such value and the bank as well will always make their own deductions for charges, but when invested on a profitable asset, it will make more opportunities come of the money invested by realising some earnings than loosing part of the money gradually.

But what will guarantee your bitcoin investment is 100% sure to bring you profit? I agree that bitcoin is a good investment, but that doesn't mean it will automatically bring you profits, it's not that simple. Let's say you invest bitcoin for 40k-50k, now, your asset has lost more than half of its value, but if your money is deposited in the bank, your wealth will only lose a few % due to inflation. Both have their pros and cons, nothing is 100% perfect, fiat is for everyday use, and bitcoin is for long term investment.

Bingo. That's why most people are so much against deposit who don't see the pros and cons in a fair way. Although Bitcoin was not created for investment, I'd rather see it as a long term investment. Sometimes it does not matter what one thing is, it only matters what it is in most people's eyes.

Doing it right is another thing. As you mentioned, finding the right investment is really tough, as we can't easily entrust our money with something that we are unsure.

You need to figure things out before jumping to any conclusion as a hard earned money
is something that is really important to you, and using it the right way only means that you
will try to grow and let it work for you.

Along with that there is one thing - we must invest on our growth too. One should invest if one has a good knowledge on it. 
Not always investment works. Sometime we are scammed and looted too. As I was done last year. I hate myself for being so dumb and not being able to understand what is happening to me in the name of investment.. Lost a good 5000$ I feel sorry for myself every day.

In the current market I would be more interested in investing my money without depositing it in the bank. Bank gives us fixed amount of interest but if I invest it will be seen that there is no mention of limited interest If this market can be recruited then I think it is definitely possible to earn good profit in future which is not possible by depositing in bank. the So considering the current context, I will definitely invest my money. But all of us who invest know that there is some risk involved in investing. But if the objective is to earn profit then we must accept risk.

Even if you invest in the crypto market but must determine the allocation of funds to be invested, it is not recommended that you use all funds for crypto investment and the ideal fund for investment may be 30-40% of all the funds you have, you must have savings in the bank , funds for basic needs, including funds for emergency needs. The crypto market is very risky if you involve all funds because when you need emergency funds then you will not be able to sell assets when you experience high losses and other options are applying for loans to anyone. Investment is a matter of funds that will be used for the long term so investment funds are not tied to other funds unless you are bankrupt and have no other funds at all.

We are joining a bitcoin forum, so you cannot expect anything more from them, of course, they will always speak well about bitcoin and will not care about anything other than bitcoin. But I can assure you that, even though they always say they will invest all in bitcoin, not hold fiat, I won't believe it because fiat is still what we need daily. But don't ignore bitcoin, bitcoin is an opportunity for us to increase our wealth and change our lives, so let's allocate everything properly.

That is the reason why we shoud be financial literate. With Financial literacy, there is a high possibility that we can achieve our desire and have better future because it can be the key to do it. It help us understand our own money and what we can do to improve our finances. It also teaches us how to save and invest and to protect our capitall from financial risks.

For me if your goal is to make more money, then it is better to invest it rather than to sit the cash in bank. I think the interest in our country is just 0.685% to 1.231%. I'm taking about yearly so always consider the interest before you put your money in bank. It is a opportunity cost for me so If I have that money, I'll put the 10% in bank for petty cash then 90% is for investment including investment in myself for me to become financial literate.

Hey mate, Investing money in the bank does not only come with a little interest, but some risks are also attached, like fraud and inflation. One day I was at work with my phone and ATM card, but I received a debit alert, and when I checked, all my funds were gone (the only luck I had was that the only money I had in that account was $100+), It was weekend, so I could not visit the bank, but when I hit the bank on Monday of the new week, the bank customer service tracked the transaction and saw the money was used to settle payment online. I didn't initiate the payment, and my card and device were with me that day the incident took place, but the bank said they couldn't do anything and that I should go and make an entry with the police, but I took a second thought, because if I made an entry with the police, before the whole investigation stuff would finish, I might have spent more than the $100 that is stolen. So I just forget about the matter and move on. I just want you to know that banks have their own risks, and I am not surprised that you think that Bitcoin will fail, but what you must understand is that most centralized systems will fail, but Bitcoin will still live on. Even if one knows little about bitcoin and is not sure whether to invest in it, there are other options to invest your money in, such as real estate, company shares, gold, and lending. is better off than to keep the money inactive in the bank. 

Proper management and know how to work with the investment that to pick, there are many potential risk that you need to consider before jumping with crypto investment.

If you know how to work with this kind of market, the chance of making something good around this market
is possible, though if you are just being move by hype, the chance of losing probably will hit your investment.

Not only with cryptocurrencies, once invested, there is always a potential risk, if you do not know how to manage, sooner or later, nothing will be left in your hand. We often say that the rich invest to get richer but don't forget that they always have huge savings in the bank, they are not afraid to take risks, but they are also not stupid enough not to consider the risks that will be taken.

Investing is about taking risks, that's true, but we must remember that we should only invest with what we can lose, not all of our assets. Put all our eggs in one basket, it's like we're gambling.

There's always a risk in everything. If that person has the capability to invest in this kind of market then why not? for deposits in bank, actually it is not too high when it comes to interest but the thing is it is more safe to bank but then yes it is safe but there will still a possibility that bank will close if they don't have a members but then choose good bank with good interest. All in all, just diversify all your assets and always remember, just use what you can afford to lose.

One can as well save in the bank and also use part of it to start up something like investing in a lucrative business that will bring in more capital, that's for those business creative minds because some will only choose to work and save without having any plans of growing the money into something much more productive.
Saving without making use of the money to start up something much more productive is like waiting for the saved money to increase on it's own. The mindset of an individual tells more if he/she would want to invest or just deposit.

I once made an investment and it was a scam and I lost trust in the investment to me everyone seem a scammer I would rather depist than investing

It all depends on where your taking your investment to and who's the middle man in the investment because it's very hard to do anything that involves money that you won't get those scammy eyes around, is a 50/50 thing, you win or you lose.

as stated above - the investment involve so much risk too. Not all the time investment is profitable - most of the time it is scam too
My father was a gov employee - here the gov employee gets a house after the retirement - many of my father's friend sold their house and invested their money - they don't have their house neither the profit not the money. My father did not invest anywhere - he kept his house - thank God he made good decision

The best use of any amount of money is to invest in multiple assets. Investing in stocks (Tesla, Netflix, Apple and others) is better than a bank deposit. Investing in cryptocurrencies, Bitcoins and some other investment opportunities is better than keeping all your money in unnecessary savings or expenses.

The best part is that Anyone can be successful from different investment opportunities, you just need a positive mindset, right information and a good investment management plan, the reason most investors suffer huge losses is because they don't start with good investment management.

The interest accrued on the deposit is usually below the inflation rate. 

Therefore, keeping money on deposit means losing it.  To save and increase money, you need to invest. 

Currently, the price of bitcoin has dropped from $69,000 to $15,000.  This means that now is the time to buy bitcoins.  In the future, this will increase your initial capital several times. 

In my opinion, the rise in the price of bitcoin will begin at the end of 2024, and in 2025 the price of the first cryptocurrency will exceed $100,000.

We should be always ready to think and use small funds to make bigger funds. The rich people that we see today with huge net worth do not just started big, they started small and now they are able to make big money because they are always ready to take important risks not just any how risks.

For us to be successful we must be ready to buy and sell and sometimes that might incurred loses that could discourage us from taking bold steps that could make us earn better.

Those that are able to become stronger even in difficult times are the ones that are mostly celebrated today. The wise investors would always think of better ways to make there businesses more better with lots of improvements.

It depends on what does rich mean for you, if you mean the billionaires whose children's and  grandchildren are set for life, then most of them didn't start with nothing. Families like from Bill Gates, Mark Zuckerberg or Elon Musk, they all had money before they became billionaires. And even if the families didn't have millions, they at least had contacts to wealthy people to help their children. I think it's very hard to create a successful business out of nothing without help. If you don't have a good idea and a good network to help you, then maybe it's better to deposit your money than lose it all in a failing business. If we keep depositing our money in crypto currencies than we can also make a decent return. Creating and running our own business is no guarantee to become rich one day.

The $100,000 is already in my account, since the money has been deposited how much interest rate has been given? If the question is meant for oldling days people then they can keep the money in the bank account and getting the 3% interest rate but if it is for this new technological digital economics generation, I don't think they would keep that amount in the bank the matter what.

Since the money is for reserve, it is better you keep in bitcoin wallet for a long time. Just use it to buy BTC and keep it there instead of keeping it in the Fiat banks that they would even deduct it every week and monthly.

Some of the investors who suffered losses were not only due to bad investment management or bad mindset. But some of those who lose are because they believe too much in bad news so that they don't have their own stand completely and don't have enough patience in facing every bad situation in the market. So this is not always due to how they manage investments and the like, but also to their patience and trust in whatever they read in the media while investing.

at the investment stage, it certainly has a greater ratio in the patience and confidence stages. that's why some investors lose their assets in large numbers because there is no strong belief to hold in the long term. I understand maybe among us or out there maybe in themselves they don't have a strong belief in investing in the long term so when the market situation changes suddenly they make the wrong decision.

but I agree with your point where investors are often fooled by circulating fud so that the anxiety in their minds can have an impact on the ridiculous things they make.

and for the Op if $100k i have then i will put it all in BTC and i will do it with DCA strategy all week.

That's right, regardless of anything apart from management in the end it will become an important factor. On the other hand, the mindset must also be maintained to stay healthy.
Being an investor is not only about keeping your money in one stock or asset for a long time, even though the simplest thing is like that, but in practice, it is clear that we will get something unexpected, such as some news that is not very good and fud keeps happening.
We see many examples when many people are unable to maintain that condition which gets them into trouble in the end and decides to leave when conditions are even at a loss.

Totally no sense on making such action, right?

Its understandable since we are just humans which we are really that subject to make out those kind of impulsive approach and actions basing up in our emotions which is something that very common i should say.
When it comes to investment then there's no such thing about 100% safe because everything does have its particular risks.Even if you do decide on storing up your fiat savings on a bank it wouldnt assure out that
100% safety of those funds + having that risk of inflation which is something that very standard or common problem.

  Those who invested in Bitcoin at the time when the market reached its peak are currently facing huge losses. Because seeing the market condition, they thought that maybe the market will go much higher But a lot of bad news has made this market situation. Since then, the market started going down regularly. But the Bitcoin market is a bit stable right now. Those who wait for an opportunity to invest when the market is down from the highest level. The present time is for them. Because the market has already started to be positive. Investing in Bitcoin in this situation definitely has a golden opportunity to profit.  So I think at this time you should invest your money in Bitcoin instead of depositing it in the bank.

This is the important point.
We must be aware that conditions like this clearly exist and when we decide to invest anywhere we must know that risks under these conditions are not 100 percent safe.
We invest even though our initial intentions are good but things like this will not go smoothly because of the fact that there are lots of temptations that always haunt us.
But it is a risk and we must be able to overcome it because if it doesn't mean you are not really serious about the investment you are currently making.

Let's just say I'm the person who has the money, but it all depends on my needs. plus, what is the current economic situation like. at the very least, I would have some plans first before speculating to invest and only for BTC, nothing else.

To be honest, I'm not interested in deposits. at the very least, I'd keep it 30% as an emergency plus option for personal needs. I will invest regularly, maybe every week or month, because after all, the market is in a downward trend and we don't even have an accurate prediction of when the market will increase. I have to have several options and scenarios, not to invest all at once with 70% of the money converted to BTC.

I do everything in stages, depending on the market situation. but at least I have a one year target. With these options, I can make several plans when the market experiences a deeper downturn. even with the remaining money in reserve, it can also be invested if the situation supports it. so in the end, I think it depends on how you do it wisely and at least you have to have a strategy and a plan if you want to invest.

Well, you already said it yourself, not all the time is profitable for investment and I don't agree with the thing you said that most of the time, it's a scam too. How can you say that? Is it because your father's friends haven't got the expected result of their investment? We all know that investment needed some thorough time to prepare and to have a proper knowledge before doing such thing, investments doesn't guarantee anything, it's still a two-way road, either you lose or win.

I agree, for those people that are already in retirement age and they're too old to work then they can't put that into that much risk and just go with the conversative deposits and investments just like putting it on the bank.
If the person is too old and understands bitcoin then that's a plus to that person but if not, it's better to just be conversative and sensitive with that money and save a lot but invest a little that's not too hurting if it losses.

It's nothing wrong when it comes to his or his father's friends' situation. Everyone has their own agenda. It's fair to generalize this way: most people overestimate their ability and underestimate the risks of investment. Period.

The last statement will work, for those who can adopt the market and have that chance to learn more about Bitcoin or other cryptocurrency investing is a good opportunity to grow that money.

But, if you don't have that time then go with conserving that money and try to do some little
investment while the major portion of your save money can be stored in the bank for emergency
needs.

But even if someone understands investing about Bitcoin and even though they are professional traders, when they have retired from their main job, they prioritize emergency needs funds rather than investments because they need these funds for treatment and it is very detrimental to cut losses from crypto investments for future medical needs, anyone will prioritize health conditions so it should be from the start to allocate funds for emergency needs without disrupting funds from crypto investments.

When saving up for your health then it should have been done earlier or into those years when you are just working or still earning from your main job.Its true that on the time that these people do make out retirement then they would really be putting up focus on saving up themselves for their health in case of emergencies.Its not bad to make your crypto investment to be at affected because not all would really be that not much serious or really sticking out for long term.We do all know that we do really make out an investment for some sole purpose and if your purpose would be basing up or focusing up on health
then its your choice on when you would be pulling it all off.Its your money and its your right on when and where you would be focusing yourself and its up to our choice.

Your father made the right decision because it favored him, what if things went on to be cool with his friends won't he be in regret? That's the thing about life, what ever decision you take is a major risk. If you're investing just hope to be in the right place.

It's a choice that you need to be wise, saving and having a good amount of funds for your retirement will help in terms of financial capabilities. Either investing or saving the intention is always depending on you.

People who work well managing their savings and aiming to invest to grow their investment
are people who can gain enjoyable retirement in the future.

in the last few days the price movement of Bitcoin has increased quite significantly and as we know that the price of Bitcoin moves quickly at any time and no one knows for sure what will happen in the future so in my opinion there is nothing better between saving money or investing on Bitcoin because the high level of risk allows unwanted things to happen.
to use money in crypto investment is not just waiting for the market to go down and must have qualified knowledge in order to minimize the risks that will be faced.

That's right, so using money wisely doesn't have to be random in choosing to invest or make a deposit. I think everyone can make an investment, but the most important point is to understand the risks and also study related things before doing anything.

And what if i can't afford to lose the $100,000. I won't advise a 100% investment of one's funds on Bitcoin. Invest an amount that is affordable to lose. This is not because Bitcoin might crash in the future but so that when the need for the money arises and the market is down it won't be everything that will go down with it. Preferably diversification of investment will be much better like real estate investment and more.

If i must deposit then not in fiat anymore and if am to invest, bitcoin is my first security asset for an inves because it is profitable andd not onky that it is decentralized and volatile, most people fear the fact that cryptocurrency is being volatile h
and they have this kind of fear of missing out, this is not true, any investment that can yield profit in short or long term is a good invest without the risk or fear of loosing the entire money.

If I have amount like this surely I am going to invest into bitcoin because I have feeling this is going to be one of the best investment for you and can change your life forever but here we need few precautious as well because this is risky even many still feels this is fraud, so anything can happen which needs good intention from your side as well if you want to stay safe with this money until your retirement.

You have to divide this all in few tiers, and then you can enjoy with this investment in better way but if you have better salary option then surely you need to work on this for few minutes or hours daily then take good profit with this investment and enjoy your life in luxury because things can change quickly so just stay safe and keep things in your own control.

.
If you will going to deposit the money how will it be if it is not in fiat? Just being curious but anyway yes as long as it can give him a profit not only in paper gain then it will be good. He can also answer his question based on the question of how long he would like to stay his money on the bank or how long will he let him let this money in investment and also for the purpose, if I am going to ask if what will be my decision it will be if it is for long term and I don't have any plans for that money and expecting not to have a huge profit on it then go for the bank.

Emergency funds shouldn't be stored in a bank, because sometimes they can't provide the amount we need instantly if it's too big, of if we're going to withdraw via ATM machine, sometimes it runs out of money or in maintenance. Emergency funds should be put in an insurance, because most emergency situations are about health, like sudden accident, or an illness. Insurance company could easily release the funds anytime, less hassle than going to a bank.

Also having a cash on hand is also much better for an emergency. Just make sure you have a safety vault in your house where you can hide it.

If it's really cold savings, I'll definitely invest 50% of my money in bitcoin, and I'll hold onto it for a long time.
and the other half I will make business capital in the food / restaurant sector.
because this will be my daily and monthly income, whereas bitcoin will be my 4 yearly income.

If I have a $100,000 in my account the first thing I’ll do is have a good plan. I’ll split it into 2, 50% of it will be converted into bitcoin that will be holded for years while the other half goes to different crypto coins that has a high chance on the long run. I would like to spend it on bitcoins but I have hopes on other coins.

Having a good plan on how you use your money will make you financially stable.

When considering  investing in Bitcoin, its crucial to believe its potential to become widely-used form of payment in future and to understand that it is rapidly  growing asset. Additionally, it is cyclical & inherently very volatile asset which can fall to the extent of 90% in bear cycle, despite this, you have to continue holding onto it with patience during these hard times to harvest substantial profit in bull market.

In my opinion, this is a very reasonable plan!  Investing in bitcoin is essentially investing in a very promising deflationary asset. 

At the same time, the price of bitcoin has now fallen from a high of $69,000 to a low of $15,000-22,000.  This makes it possible after the end of the bear market to increase your initial capital at times. 

Diversifying your investments (investing in food and restaurant business) is also a very good decision. 

People always need food, this business (in my opinion) will always bring a stable monthly income.

Definitely.
It's because not everyone has the ability to take the same risk just as we and that's why they should think of a more conversative investment that will at the same time protect their money and have a little to earn with.
This is applicable for most old people that has got money thus, if they don't want too, then they should just keep their wealth if they think it's enough to cover a lifetime.

Diversifying investments is good advice based on the amount of funds owned but allocating 50% each for bitcoin and altcoin investments is not recommended because the risk of altcoins is higher than bitcoin even though on the top altcoin list, I only allocate 25% for altcoins and add the rest for bitcoins, if you have skills in developing other businesses and the remaining 25% can be used for that purpose, business profits can be used for daily needs without having to involve investment funds.

Everything about life is a risk. It's is difficult to avoid risk if one want to make it in life. Even going out for work is a risk. So, it's better to neglect the risk and face the difficulties of life to make it to the top.

Very protective and not a fan of taking that risk for invetment to grow the money that originally they already have, people who are convince that the save money is enough to cover their needs.

I agree that not everyone have that capabilities to take that risk, they are  not convince that
they can grow their money and let that money be stored to a bank for small APY.

70% for Bitcoin and 30% for altcoins, I think that was the best fund sharing to be made during this bear season. The idea of having more funds and Bitcoin accumulation compared to altcoins is that we look for security and assurance, at least we have more chances to keep our money back if we invest more in Bitcoin. We have to understand that Bitcoin will recover first than these altcoins and holding them until the next bull market is worth enough.

I agree with you.  The price of Bitcoin is currently on the rise. 

However, we do not know when the bear market will end.  In what year will the price of Bitcoin exceed $70,000?  Will this event happen in 2024?  In 2025?  In 2026?  If the bear market lasts long enough, then many alternative cryptocurrencies will become significantly cheaper. 

In addition, in the next bull cycle, not all altcoins and tokens will rise in price more than Bitcoin.  Many of these cryptocurrencies will disappoint crypto enthusiasts with their price growth dynamics.  Because there are a very large number of different coins, tokens and NFTs on the market at the moment. 

Therefore, it is advisable to make most of the investments in Bitcoin, and not in alternative crypto assets.

If I have that amount, maybe what I will do there is I will put at least 25k$ in the stock market, then the rest of the balance, the 50% that was left, I will use again for long-term investment for Bitcoin, then the rest will be in the top I will use altcoins.

   In the other top altcoins that I will buy, I will invest in day trading so that somehow I have an income even if it is not a big amount, as long as the important thing is that there is a profit coming in every day.

Yeah if you proceed according to the plan, you can get something good. A good decision to invest in the bitcoin blockchain system is convenient and has a future A major attraction for investors is the opportunity to earn a high rate of profit by investing small amounts. As long as bitcoin continues to be a good investment demand will continue to grow.

I don't like keeping money in the bank because it makes no sense at all, you will only earn a very small amount of interest per year and that's a very big turn off, I will rather invest 90% of the money into stock and crypto, most important Bitcoin, 100,000$ available for long term investment is a life-changing opportunity, with this certain amount of money you can easily become a multimillionaire if you invest in the right projects.

it is clear that saving money in a bank if the intention is to enjoy the benefits of interest you will obviously be very disappointed, because you will not get it there, but the bank is needed for other conveniences which we might really need at a certain time.
I totally agree and agree with you that the best way to make money, we can make more profits, of course, by investing in stocks and crypto, and I tend to be more into crypto. but once again all investments will always have dynamics and the possibility of loss can also occur if you don't do a good analysis first or at least look for safety by buying a reliable coin and it is ranked the best on CMC.
but profits also cannot always be instant, only very few can experience that, investing in crypto always requires a long time and patience, to get fantastic results.

Bank interest in my country is currently no more than 10% per year and then subject to other fees so that it remains around 7% per year, and annual inflation in my country is around 6% per year so saving money in a bank is a loss, it's better to use money for investments such as stocks, mutual funds , property or something else, and the best investment trend right now is bitcoin because of the fantastic price increase potential and can make us millionaires in a short time.

Good god there's so much bad information in this thread.  I sound like a broken record because I've had this same conversation a millions times on this forum, but there's a lot of things to take in to account. How old is the person, how much income do they currently have each year, are they on track for their retirement goals or are they already retired? etc etc etc. 

Once you know all this, then you can formulate a plan.  Putting most of it in the bank at a 3% interest rate which is not even remotely coming close to the rate of inflation (your break even level) would be a stupid idea. 

Putting it all in bitcoin would likely be a stupid idea.  Putting it all in anything would be a stupid idea. Diversify.

The most common mistake many new investors make is rushing into cryptocurrencies without any guidance. I think this is the first thing that is very important for you to understand. If you understand this, your purpose for investing in bitcoin is correct because you have enough for your daily needs.

If you want to be successful, have a rich mindset, spend less, and invest more depositing money in the Bank is not the right choice. Don't give up on your dreams.

You know what,  saying stupid things in other's thread is truly a stupid idea.

if I had that much money, of course I would not place either bitcoin or a deposit. but maybe I will use both of them plus other investments such as property and stocks, on the other hand I will open a business to meet daily needs, so besides being safe because there are many fields that we invest in, we also have no difficulty meeting our daily needs. let's say we make rent, then every month we will make money, while property assets will develop, and bitcoin assets also develop with unpredictable timing. and deposits will also provide a sense of security, with small but definite benefits

just like me, I don't really like saving money in the bank because there is no increase in my money, I prefer to convert it into a form of investment such as bitcoin or gold, instead of just leaving it in the bank, the bank will definitely use the money.

This one is easy, for me, buying bitcoin is the best option, trust me, I've saved money in the bank before, and I can for sure tell you that 3% interest rate that will be paid to you annually is nothing compared to the profit you will make from bitcoin is you invest that money in bitcoin..
If you know how to trade, you can take advantage of Bitcoin's high volatility in price and make good money for yourself, and since you will be trading with over 5 bitcoins, you have a good advantage over those that trade with smaller amounts, it is highly possible that in one year of trading with 5 bitcoin, you will make nothing less than 3 to 4 bitcoins or even more as profit before the year ends.
Buying bitcoin is the best option.

Of course, you will use the money to invest in Bitcoin without thinking about anything else. I will use 100% of the money to buy Bitcoin. I will not assume that I will get a profit per year from the total profit from bank interest because the potential for greater profits will be in the future on Bitcoin if the purchase price is like the current price which is below $30K with the hope that the Bitcoin price can be like the past ATH price which is below $100K.

Do you know the risk? Both of you are just thinking about profit; you should always consider the risk since it is your money. Bitcoin is better than banks as you can earn a huge profit (if you hold it for a long period of time), but you should know the risk that you can lose it all. Others are using it as a retirement investment but panicked when the price dropped and sold off. But if you are a risk taker, then you have a higher chance that you'll gain a huge profit, but keep in mind that there is also a chance that you will lose your money.

Yes, it's true that deposits are not a type of investment with a large or promising passive income. The return is below inflation. Indeed, deposits are the safest and easiest type of investment for most people to understand.

But if investing in bitcoin hoping for high passive income but we don't understand the investment we are taking? It's the same as lying because we will find it difficult to understand & manage it.

The important thing is always learning. Wherever we save everything is the same, the most important thing in my opinion is to set a good lifestyle and financial management.

If I have $100k, and I don't need that money for my daily needs, of course I prefer to buy Bitcoins compared to keeping it in the bank.
Only a fool would deposit money in a bank. If we don't invest in Bitcoin, it would be better for us to open our own business. I think the profit we get is far greater than the interest rate provided by the bank.

When it comes to crypto, saving money in the bank is the same as staking. Think about it, if you have $100k, and you are staking that amount in a set amount of time. Which is more profitable for you by doing short-term trading?

It's just that if someone wants to take a safe position with the number of people they have, then it's better to keep money in the bank, or buy crypto and then stake. But if they feel ready to take all the risks, then it's better to buy Bitcoin. If they can invest for the long term, I don't think buying Bitcoin is risky. It is risky to invest in Bitcoin, if you buy it today and sell it tomorrow.

At this present, Banking deposit is very lowest profitable. Infaltion incrase day by day. World economic fall ! many bank bankrupt held for this ression. Same refection in bitcoin. But, few days look up bitcoin price is increse. Previous 2 or 3 week ago when bitcoin price 17000$. Today bitcoin price 23000$ up. So, bitcoin invest is very profitable.

But I think despite of that fact, there are still people who keep on using banks because they think their money is still safe there than if they hold it on their own. If they want to take investing seriously then I believe they also know how to diversify their funds and allocate it in different things which can bring them some profits like opening a business, investing in stocks, real estate, etc..

When the economy collapse, indeed that not only banks/fiat are affected but BTC can also suffer although all of them has a chance to recover. BTC is volatile and can dump more but that's fine since it can still recover what it lost and earn more than it.

I think both have their risks. Even though Bitcoin Investment is a very large profit for the long term. However, saving money in the Bank, the risk is very low. Even the possibility of loss can be prevented.

Meanwhile, in bitcoin investment, you will be faced with various risks. One of them is the risk of server hacking and virus attacks. Which in essence you have to understand and seek knowledge about Bitcoin before investing.

Actually, not just with cryptocurrencies where these mistakes are common to happen, even in stocks, bonds and real estates. The thing is, people tend to rush whenever it's hyped without having the right knowledge before investing on it, that is why in the end, they are making more losses than profits that they could've had if they just had the right knowledge. And yes, it's nonsense to keep these funds in the banks because the interest can't at least chase the inflations that happen yearly.

Actually, wallets and banks are equally safe, it's just the behavior of those who hold them, are they able to maintain the confidentiality they have. the matter of hacking a wallet is the same as a fraud that can be done to break into an account at our bank, but everything can be protected by our good methods.
but investing in bitcoin is more profitable than bank deposits, what is needed is patience and willing to be prepared with a time that requires at least 4 years each halving period.

Exactly. Your comment is not long but makes very good points. Too many people can not get a big picture of the pros and cons or they intend to selectively ignore the things that they don't want to accept.

One has to understand bank and crypto fully before making any decision. Bitcoin can gives you good return in short duration while Banks will be you a fixed return over the period of time that is proportional to inflation rate. But we have to understand other side also, bitcoin or crypto is risky investment and you need proper training and guidance to do that successfully while investment in Banks is risk free. Whatever you chose make sure you understand it fully before making in decision.

I think investing into bitcoin is the best option, because that was a free money and we all know that if we can hold bitcoin for a long term we can really earn big amount of profit. Bank interest is not big it will also take a very long term to make a profit while in bitcoin if we are lucky and it will become bullish after a year then we can get big profit on short term hold. There is a very big difference within the bitcoin and the bank bank is a good option but i am sure that bitcoin will be more profitable if we can hold with patience.

I think that investing in Bitcoin is still the best.  But I will decide to invest in Cryptocurrency not only in one Bitcoin.  Maybe I will choose some coins that have a stable value and I think it is a form of smart investment choice considering the current developments in the world.

by having that much money I will divide it into 2 parts, 1 part for investing in digital currency, especially bitcoin and the other 1 I will deposit at the bank for daily needs. with the amount I invest in Crypto, I will make it grow and have a profit. I think if all of our assets are invested in crypto it will burden us if the market continues to decline.

I don't invest my entire money in one thing, this is really risky if unfortunately something bad will happen where i spend my money then there will be no other option for me that's why I need more investment not to rely on just one. I always divide what salary I used to get monthly base half in bitcoin and half I always invest in my side business. If this business perform well in future then I don't have to do job in future. That's why I don't spend much and my focus is always to invest in such things rather then keeping my money in bank.

Indeed, we need to diversify our portfolio of investments which is I think is a smart move as an investors. This would help you maximize your profit and also helps you to mange the risks related on the investments. I think if we do these, it can be good in long term since when there are some investments that failed, other investments cannot be affected as well as our capacity to provide our needs. Also, having both investment and savings is also a great move so that you are financially secured to support your needs and the unexpected expenses in the future that it wont affect your investments in any way. Also, we should know that investment is a risk so that we need to take an effort to always assess the market and really understand what you are investing in.

Diversification is always a nice move because we are really that lessening the risks if we do speak or comparing it on having that all-in kind of behavior or investing decision. Although the risks is lessen but you would really be that needing that sufficient fund or money to invest on so that you could really be able to partition it out. Honestly i dont have much fiat savings on my bank, there are some amounts but not really that much
which i could say or consider to be big because most of those funds are invested here on crypto space and some on some local stocks and even on real estate, although not that big or much
but at least i did make out some diversification which is something that we do really need to do so. If you are that wise when it comes on handling up your funds then more chances for you to make
profits in long term but of course it wont really be giving out some assurance since we know that failure is always next in line. Good thing is that you do
divide out that risks which other sources would be able to patch it up and thats the beauty of it.

Every smart investor should know  business diversification is a way of saving them some stress when it seems all is not well with a major business investment they had put in their efforts. There is a saying that says " do not carry your eggs in one basket" this parable is enough to teach every business man and woman a lesson.

With such an amount of money, one can split it into various business portfolios as the case maybe so that one can be on a safe zone if one business fails, the others can serve as a backup to remedy the situation. There's always the possibility of profit maximization

when you try to put all your investment in a wallet it's better if you check first if it's secured and since there's so many online wallets we should check if it's legit and check their background if they don't do scheme to their customers.

Investment needs to be diversified. Many forum users have suggested diversifying the portfolio. I would also agree with them. Because there are always risks in cryptocurrency. If we talk about Luna Crash event of 2022 where lots of investors are completely bankrupt because they keep their entire investment in just one project. If there was variation there would not be situation like Bankruptcy. Many investors never imagined that a project like Luna suddenly collapse. Since there is no assurance of any top-level project in altcoins, so investment diversification is essential for all the investors.

Yes mate you are right that it is always high risk to trading or investment with Cryptocurrencies. I will also agree with you on this point that is investment should diversified but in this case if any person wanna do  investment only on bitcoin then I also think that it can be also beneficial the thing investor have to hold it for long term . In my personal opinion I think it is more safe to investment on only bitcoin without going to alt-coins.  And I think the more alternative coins you invest in, the more risk and effort you'll need.

If we aren't considering other expenses and this is all just pure decision between deposit and investing then I would always choose investing since I am bullish with bitcoin and if that's the price point that I could get in then it's all the more better because I know that my profit will be enormous if I get in at that point.

in the long run I will buy bitcoin with all my money because I believe bitcoin is a substitute for fiat money in the future one of the reasons I chose bitcoin is because bitcoin is limited, only 21 million coins in the world cannot be added anymore. and I really believe the future of bitcoin is not only an investment tool but we can buy food items using bitcoin I really look forward to that time

If I had $100,000 in savings that I didn't need for daily expenses, there are several options that come to mind.

On the one hand, putting the money into a savings account with an annual interest rate of 3% could provide a reliable source of passive income year after year. This would be a relatively low-risk option, and it would allow me to keep the money easily accessible in case I needed it for any unexpected expenses.

On the other hand, investing in Bitcoin could offer the potential for higher returns, but it comes with a higher level of risk. The value of Bitcoin can be volatile and unpredictable, so it's important to do thorough research and consider the potential risks before making any investment decisions.

In my opinion, a balanced approach that incorporates elements of both strategies could be the most prudent. Perhaps putting a portion of the money into a savings account to generate some passive income while also investing a portion in Bitcoin could offer the potential for higher returns while also providing some stability and security.

Ultimately, the decision would depend on individual circumstances, risk tolerance, and investment goals. It's important to carefully consider all options and make informed decisions to ensure the best possible outcome.

If we only keep money in a bank or deposit then we will not see the development of our money, investment is the best place to get big profits, now there are cryptocurrencies investments that allow us to fully control our money or assets.

there are still interest on it if you put it on the bank but again that was low and lets say that you really dont need that money then it is really good to put it in bitcoin as no matter what the price is you have a high chance that you can make more from it. Though if you want to play safe then it is better to put half on bank and the other is on Bitcoin

investing in real estate, business, or crypto is indeed the best choice. by making a deposit, the assets we have may increase slowly, but the fiat value sometimes decreases due to inflation. however, by investing, we can make more money in the future when we invest in the right things. this has been proven a lot. in fact, many of them can even multiply their assets with investment.

Investment on bitcoin is also risky as we can experience also loses when we invest but that's normal because in every business we expect to have loses and also profits and looking at the how volatile the nature of bitcoin is makes it a perfect means of making lots of profits when we actually invest on a long term deal and we can lose more if we decide to go for a short term transaction if suddenly the price begins to dip from the time of ones investment.

I support your decision to invest 100% of it in bitcoin, but to say that bitcoin will replace fiat in the future is highly unlikely and most likely impossible. As long as the government still controls this world, they will never let that happen. It will never be possible that they will let a decentralized currency replace fiat money and take over their power. It can be said that fiat is their leading power distribution system, they control all of us through fiat, and if they lose it, their power will be shaken too.

Those who save money in the bank do not expect developments in money or profits through that money, but they only hope for security in the money they save. Now money can be used for everything including for investment, so you also won't be wrong if you want to use money as your investment capital in life without saving it in the bank.

But what you also have to remember is that your money can be reduced when you place it in the wrong investment, because the risk of every investment is always there. So, apart from remembering the benefits you can get through the investments you make, you must also not forget the risk of losing money when the investments you take don't go according to plan.

Things can change at any time, and using all of your savings for bitcoin investment can be disastrous at times, so since these funds are available, you may feel as if you don't know what to do with them. However, I believe that if you have family, unfortunate events may occur, and you may be able to use these funds to save that person's life.So, if you invest all of your money in bitcoin and the price does not rise as expected, you may end up losing your money or losing that person's life. I believe it is now up to you to decide whether to invest some of your money and keep the rest in a bank account.

Exactly, you shouldn't put the funds that you will be needing soon in a volatile market. People always think that investing would always results to "profit" which is not, that's why there's always a risk in investing. Always put money that you afford to lose for you to have a peace of mind when it's a loss if it's a win then congrats. Don't focus on a good side of investment because before you reach that point, there's also a bad side it's like gamble if you have an non-well decision in investment. If you put you're savings then your back up money is on the line.

The best idea is putting this  sum of money into bitcoin because if bitcoin price suddenly goes down so there will always be a chance to go up under the favorable circumstances. In previous year the price of bitcoin was 17k$ but now its up to 28k$ so those who did not sell their bitcoin and wait for increase in price will surely greater profit of their holding.

I think bitcoin cannot be go more in dip but if it happens then it is possible to recover the Loss by waiting for the best result to achieve because market doesn't remain in a constant position all the time.

If i have such money in my account, the first thing that will be in my mind is to invest. Because no one ever get richer by saving in the bank. You can only get richer by investing.
Since the money wont be used for daily sorting of bills, it is wise to buy some bitcoin with it and hold for the bull run to have more profit.
Preferably, you can as well divide the money by living like 25% in your account for unforseen circumstances. Because once you invest all in bitcoin, and need arise that you need money to solve, and you dont have any money left, you will be stranded. So to be on a safer side, use 60% for bitcoin investment then 40% in your account. If you can manage the risks.

Bitcoin is showing a good uptrend, but there is no unequivocal opinion that the bear market is over, and although this seems unlikely now, we cannot rule out a fall in the price of bitcoin this year. The example when bitcoin rose from 17k to 28k is an example of the past, and cannot be applied to the future, because we do not know what the further price movement will be and if the fall follows, then how long it will be, perhaps the bear market will continue for another year or more.

Right. Even using many well-known wallets, crypto users are facing problems. So it is most important in investing, where the investor will store his funds. Such a large amount of funds will be at risk and may even get hacked if an accident occurs. There are a lot of scammers around in the crypto market. So if you are not careful, something unexpected will happen to you which you may not have even dreamed of.

With large sums of free money the main thing is to stay mentally stable while managing the funds. So most probably the best option for it can be something like 25% long-term hodl, 25% non-crypto investments and/or savings, 25% to buy something for yourself, 25% for charity. Proportions may vary in accordance with the current financial situation (with sums exceeding a million, charity is better to be more than 90%), but the main vectors, I think, are these four...

If we are confused for business then the easiest thing to develop money is by investing, currently there are many investment options available and if we dare to take risks then investing in cryptocurrencies is a good choice, the opportunity to profit 100% or more in a year makes me tempted to invest in cryptocurrencies even with a small value.

Always remember these rules when investing on crypto space

1. Not your keys not your wallet which simply means not your coins at all
2. You wont make profit or money if you wont risks
3. If there's something too good to be true then its a scam

Just make yourself aware on whats happening around and not really just that too confident on diving without even trying out to know on whats the risks involved.
In speaking about using money wisely then of course having investment would be always the best call. If you do know on what you are doing and
if you are really that a risk taker then its up to you on what you should gonna do.

That is something you needed to prepare before you really take that step risking your hard earned money,

But I get your point as to opening or owning a business may need a huge amount of money and aside from that, you also need more time
to facilitate and learn more in enhancing the chance of growing your business to succeed,

unlike with investing you are riding with how the team behind the assets will work in achieving their goals to be profitable, either stocks or crypto or any other form of investment you need to learn about the venue or line of the business that you'll going to support and invest.

The only sensible and safer way to use your money is to have balance and control over it like don't invest total amount and don't deposit all your money . If you want to invest your money do normal investments after proper checking and deposit the rest . So that if you have loss in your investment which is very common because its a risky business you should have your deposits as backup .you Don't endup broke .

but it is also very risky to invest in cryptocurrencies. and there are very good chances that all money would loose at the end. pluse all the other risks for example getting hacked or scammed. but if someone is still willing to take all the risks then yes investing in crypto can give very high yeild compared to real life investment..
I would go with staking and farming type of investments because this is a type of investment where your original amount of money is kind of safe and can be redeemed whenever you want.

Staking and farming are also a risk since we need to buy the tokens and start farming or staking, we never know when the value of the token that we used will go down. Everything like investing or depositing in the bank also has a risk, just like we see there are already a few banks almost bankrupt due to interest rates from the FED that affect customer behavior. If we want to wisely use our money we should learn first before we use it since knowledge is really important to prevent money loss in an instant.

Having a $100,000 sleeping in my bank account with an annual interest rate of 3%, For me i will invest it in bitcoin specially if the price of bitcoin is in deep like it reaches $17,000. We all know the risk potential of the crypto market, but for me i believe it would be a good investment because my goal is to keep bitcoin for a long time and i will wait till the bull market for me to be able to get profit. If i will just keep my money in the bank the interest earnings is very low compare if we take a risk in investing in bitcoin.

You can put that amount in a bank but you will only get a short interest, while if you put it on bitcoin investment you can get a big profit if bull run begins, lets put a year 2021 as an example when btc reaches above 60k$ can you imagine how big is the profit to those who invest btc and buy it when it is 15k$? Puting money on the bank is not so good for me because i will choose to invest in crypto than bank because crypto is full of surprises specially to those who have patience.

Yes. but there are many big platforms where you can do staking and farming without worrying much about token price because the token or coin you'll be staking is pretty established. for example, if you do staking in Binance launchpool using BNB. BNB is a coin that is not very volatile like newly released tokens. all you need to do is stake BNB to earn tokens available in their launchpool.  even you can stake stablecoins to avoid even a little bit of price drop. this is what I meant when I said staking and farming and I think this type of staking is pretty safe.

Of course, both staking and farming involve buying tokens which are used to earn rewards or returns, and these tokens are subject to market fluctuations, meaning their value can go up or down. This means that there are risks involved in staking or farming, just as there are risks with any investment. Saving money in a bank can also be risky, as evidenced by several banks that went bankrupt due to changes in interest rates. Therefore my opinion is for anyone to study the working concept before investing in any assets or staking/farming, because knowledge can help reduce potential losses and maximize profits.

Investing in fixed deposits of banks is generally considered a secure and low risk option, because interest is guaranteed, however the amount of interests paid on such deposits  is relatively low and doesn't fully cover the rate of inflation most of the time. On the other hand, investment in bitcoin is high risk and volatile option but potentially it can yield high returns on long term holdings. It is generally advised to exercised this option after fully understanding the fundamentals of Bitcoin technology and dynamics of its market, as well as keeping in view your financial situation and risk tolerance limits.

i think it's fair enough to make them as investment land, but if the market allows in negative circumstances i will invest at least 80% for deposits i think they are much safer when the market is in negative trend, 20% to play in small crypto is enough for me , moreover $20000 is not a small amount of money to with trade .

when i got profit, i use that to make another source income, not only in bitcoin, i know the price will always rise, but sometime it will fall, and that what i said when it fall i still have income from another source.

I completely agree with your assertion that  diversification is an essential strategy to manage risk and ensure reasonable returns on investment portfolio.The best approach is to diversify our portfolio in a manner that it includes a portion allocated to secure investments, such as bank deposits.Additionally, a portion to be allocated to low risk investments like investment funds, and finally, allocate a portion to high risk investment such as Bitcoin and crypto currencies. this type of diversification can possibly balance the risk and reward profile of our portfolio.

That being said, if you're comfortable with the risks involved and have thoroughly researched and understood the cryptocurrency market, investing in Bitcoin can potentially yield higher returns than a savings account or other low-risk investment. Just be sure to carefully manage your investments and not put more money into Bitcoin than you can afford to lose. It's also a good idea to diversify your investments across multiple assets to reduce your overall risk exposure.

I agree, even though bitcoin is well known to many people in this digital era, there are still many who don't think about investing in it, it's true that bitcoin has shown a significant increase, but it's not a benchmark that someone will buy it.

There are still people who think that bitcoin is just a bubble.

Those who have this kind of mentality will never be attracted to invest with this asset, though we can say that there are many people who
already have that knowledge and already dealing with their investment participation.

But along that line, we can still consider other people's belief and how they project their own investment
we might see them investing with Bitcoin or any other alternative coins once they fully understand the potentials.

For me i will diversify my portfolio. I will invest in bitcoin and at the same time i will deposit some. I will wait for the price drop of bitcoin before investing in it as we all know that bitcoin and other crypto currencies is very volatile, and i am planning invest on the right timing so that i will not regret my investment. For the deposit i will deposit part of it that will be set aside for emergency fund. In case of emergency i could easily withdraw that savings in the bank. So while there is no emergency yet it would still generate a little bit of profit if it stays at the bank.

If you can execute your plan and you can stay focused on how you set it up,

The chance of making good passive benefits will await you. It's more about how you dwell with your plan and how you execute
with the right timing. It's tough but doable if you will continue to focus on finding the right investment and the right balance of your
expenses, you'll be able to make something good and be financially stable in the future.