Bitcoin Forum

The crypto market has a high level of volatility. Anyone who is about to make an investment needs to have a good understanding of the volatile market. Now the question is, even with volatility, will you still choose to make your investment in fiat through bank savings with regular monthly interests or rather make your investments in crypto where you hold your asset and still have the opportunity to save and make monthly interest?

You have to provide more details about what you mean by cryptocurrency. Like are you comparing between Usd and BTC or USD and Doge? Because this section is only concerns about BTC not about doge or any other token.

Besides this, I will prefer to invest in BTC instead of investing in fiat. Because my friend earned $1500 and I earned $1500 few months back, he kept them in fiat I kept them in the form of BTC and now I made around $250 plus on my $1500 amount and he is not. I hope you got the answer.

Correction to the thread title FIAT not FAIT, since this is a bitcoin discussion board then from crypto change it to Bitcoin or move it to another thread.

Fiat is not an investment but it is a necessity that is used every day among people so you don't need to differentiate except asking 'prefer saving fiat or investing bitcoin'.
Of course, it is better to invest in bitcoin than hold fiat because although bitcoin has high volatility, the rate of return is quite promising than fiat which will continue to be depleted by inflation.

Well, seems like a rhetorical question, there are many things there that in themselves should not necessarily go at the same pace, first of all I think you are mentioning that you prefer to save in Fiat, that is not viable currently, inflation is a recurring in many countries and returns do not go beyond 3% at best, and inflation on average is close to 2 percentage points.  It's useful?

 On the other hand, volatility is the formula that investors look for, so welcome to bitcoin, but, you must understand and gain experience, so, being an investor is a very different thing from buying bitcoin to hold.(e.g.)

If by crypto you mean Bitcoin then YES but if you mean altcoins then NO. I'll rather stick with fiats as they have more security then altcoins. Atleast I know my investment (with fiats) won't just vanish one day. You can be rich in altcoins this very moment and the next thing you know, you're broke again due to the project founder performing an exit scam on we (the investors) or the market crashing and the project loses all the hype and momentum that the price can't recover again. Altcoin Investment aren't recommended as they're pure gamble and not investments.

On the other hand my investment will be preferred in Bitcoin than fiats because fiats investment get devalued over time that even when you make profits, you are still at lost due to the inflation of your local fiats. My country currency (Naira) is one of the worst out there that it's nightmare investing with it. As you're investing in Bitcoin, you don't need to bother about the volatile nature of the market as it doesn't concern you, you aren't trading so you have nothing to do with the market until you have gotten to your investment target and you need to exit the market then you sell.

Irrespective of the direction that the market takes, when you don't sell, you don't lose so just keep holding through all the volatility and you'll be fine at the end.

Volatility needs to be taken into account only when trading, which allows to make money in this way or when investing for a short period of time. With long-term investments, volatility at the “intermediate” stages doesn't matter at all, but only the “entry point” and “exit point” are important.

Investing in fiat? What are you talking about? What idiot would invest in fiat? Investments will destroy these investments to zero or even worse, to a loss. Fiat has never been and never will be an investment tool. Remember this.

Now the answer to your question is easy to find. Of course, investments are only possible in cryptocurrencies, but not all of them. Because most of cryptocurrencies are even worse than fiat. These cryptocurrencies are getting cheaper and depreciate faster than inflation hits fiat. Worst of all, in the end begin to cost nothing at all. And here the opposite effect appears, that fiat turns out to be better than many cryptocurrencies. Although many such cryptocurrencies are simply called shitcoins.

why should we choose between these two only? and why fiat? you don't invest in fiat, investing in it makes no sense. you can invest in a lot of things like gold or real estate as the alternative to bitcoin.

as for crypto. it is silly to invest in altcoins, the only viable investment is bitcoin. altcoins are too risky and manipulated to be invested in.

Without understanding that the volatility of the BTC market can cause us huge losses, it will be equal to gambling. We have to do proper analysis, both technical and fundamental. We have to keep an eye on the the economy because the the BTC market is mainly driven by demand and supply and positive news like some improvements or adoption by some companies or governments. An example can be taken from ETFs.

I will suggest keeping funds in cryptocurrency, but the choice of cryptocurrency also matters. That's another question: which cryptocurrency should be selected for investments? But at first, we don't have to make investments in fiat because fiat in itself is working money—physical money that we use to buy and sell things—and cannot be used to store our asset's value.

While there are many cryptocurrencies that we can use to store our assets' value, like BTC, Because if we store our money in some fiat, it will be reduced due to inflation, while if we keep our funds in the form of BTC, they will not be reduced due to inflation because BTC is a hedge against inflation.

I think that's pretty much it, people like many of us will choose to invest in crypto because of its volatility. Because we know that we could maximize our gains with swings of the market and from the season of the market unlike stocks or any tangible investments that needs a lot of time to appreciate its value. Bitcoin could actually soar up to $100,000 if someone, a billionaire, named Elon Musk calls long to bitcoin. Just a simple news could actually make some crypto investors a millionaire, and they, I mean we love that volatility.

This is "bitcoin"talk, I think majority of people here already made their decisions and we are all investing or at least trying to invest into bitcoin, or even the ones who doesn't at least knows that they are aiming to invest or trying to find a reason or period to invest into bitcoin. Crypto in general could be questioned, because there are thousands of altcoins that you should stay away from and you would be rightfully doing so, but bitcoin is different, its the best, its the top ranked, and its the first. Investing into bitcoin is definitely a smart decision that everyone should consider and could be done very well and could beat out any fiat investment that you could make.

Just as CryptopreneurBrainboss said fiat has nothing to write home about when it comes to investment, too much inflation affecting fiat, most especially my country's currency naira. 1 Worth of USD converted to my country's fiat in binance exchange is N898, so why the hell should I even think of investing in fiat when Bitcoin exist.
Some crypto are not worth investing in, especially when they are altcoin you have to be careful when dealing with such coins and tokens. Even if I'll be paid in altcoin, coin swapping would be ASAP to Bitcoin to ensure I'll not be a victim when the coin crashes. They say prevention is better than cure, it's better to avoid them than to say had it been I knew.

If you have a good understanding of the crypto market and invests in the best cryptocurrency (bitcoin), you’ll not have a problem having an investment in it even when the volatility of it is very high. Many of the fiat currencies today are losing value daily because of high rate of inflation. Would you rather have an investment in a currency that will make you be at a loss when your profit is valued with initial capital or you’ll invest in bitcoin that will always bounce back to regain its form after being hit by the so many volatilities of the market? It is now your chive to decide on what currency to invest in during investment.

I’m not sure if asking this topic is appropriate since this is Bitcointalk forum and most user here have Bitcoin investment so definitely we are choosing crypto over fiat.

Besides, Volatility is a great factor to have a good profit opportunity for investment. Bitcoin price shows a very good growth for over 13 years of existence which means this kind of volatility is already not gonna matter if your investment is long term. This volatility concern are only for those who purchase Bitcoin and aim to have a small profit in short term.

Any wise investor will never choose a single asset to invest. It's a suicide. It's always a mix of different kind of investments that includes, cryptocurrency, stocks, bonds, band deposits, precious metals etc. A mix of assets is always better than any single asset. That's very basic of investment.

So even with this volatility, I do invest in cryptos as well as other assets. I do not choose only cryptocurrency for investment or only fiat.

This is the question I just answered in another thread just now. I will be very brief here. Op what you said is the basic truth. Yes bitcoin is volatile online money which only interested people use it but even at they it is for all. And those who understand bitcoin is not after the volatile nature of bitcoin but all what they after the the bear and the bull market. They use the bear market to accumulate more bitcoin in their portfolio and use the bull to sell so what is risk in bitcoin is not even in their dictionary, and what I  mean is that volatile is not in the mind. They only follow the down and up.

And to your question and it will be a straight answer. And that should be yes. I will always invest in bitcoin over fiat in 100% times. Why must I even invest in fiat when there  is no store of value. And the bankers will be using it to do business without your permission and the day when you want to use your money and you went to bank that is the day your account network is bad or there is no money to give you but in bitcoin your money is always there for you to withdraw.

It's possible if you really want to debate on that matter (off topic).
You can invest in fiat if your goal is to put that fiat money against your own. As an example we can use someone who uses Turkish Lira and owns a bunch of it. That currency's inflation is high, so many other currencies will go up against it. If you decide to buy dollar that appreciates greatly against your currency and sell it after a few months, you'll have a lot more lira. Doing that makes you bet on the lira's ability to eventually curb inflation and stabilizing, so it can be an investment.

For me bitcoin is the best investment. I wouldn't buy any other fiat money over it and I wouldn't choose real estate or gold. Real estate is great to own, but as long as you don't have too many properties that give you a headache. You can own 100m in bitcoin, but try owning 100 apartments worth 1m each... You'll have to hire a company to manage it for you, register a business and all that.

A slight correction, since the topic you created is on the Bitcoin Discussion board, shouldn't the title be "Would you rather make your investments in FIAT or Bitcoin?". I mean, don't mix Altcoins with Bitcoin (in the name of crypto) because these two things are different things.

If you ask me, I have 2 answers for 2 different case studies:

Q: Would you rather make your investments in FIAT or Shitcoin?
A: Honestly, I would choose FIAT, which is why I'm not a diamond hand for most of the Altcoins I hold. When I get good profits, I will do TP ;D.

Q: Would you rather make your investments in FIAT or Bitcoin?
A: Bitcoin all the way :D, your understanding of the financial sector will make you choose Bitcoin over FIAT, especially if you are discussing investments that are actually long term.

I think your question does not make any sense why you are in the place where you are at the moment and expressing your position (Bitcoin Talk). Everyone is aware of the fact that cryptocurrency is the only thing that can be guaranteed for investment. And all those people are engaged on the forum because of this; they get full satisfaction that investment is necessary, whether in fiat or in cryptocurrency. However, the purpose of investment should be to get profit, and for profit, it is necessary that he stabilize his assets or gain profit instead of investing. While currencies are losing value day by day,

Therefore, it is also the purpose of saying, and it is also a requirement of wisdom that a person does the work that benefits him and does not neglect the work that harms him. So let us consider the example of fiat currency: if it cannot maintain the stability of its invested value or positive gain, then it cannot become the subject of investment unless these qualities are found at the top of them.

Hi man, volatility is very delicious because it provides benefits for anyone who can take advantage of it.
When you ask about choosing Fiat or Crypto, you will not find a satisfactory answer.

Fiat and Crypto are both needed, but investing in crypto will provide faster returns due to continuous price fluctuations.
Fiat is only an Output and Input, being the beginning and the end, but still Crypto is the multiplier.

Fiat will not grow any profits because its value is stable, while crypto will provide profits because its value is constantly changing.
I won't give you a choice because I use them all.

Ofcourse, I prefer with volatile currency for investment which is crypto. If you invest or hold fiat, since it's a stable currency, you can't profit more if you convert it to your local currency. Well, volatile currency has huge risk compare to stable currency, that's why we should really need enough knowledge about it before we invest. And I suggest not to put your all funds in one coin to have a higher chance of choosing the right coin with huge profit potential.

Honestly, both of them can provide profit if you invested in it. Just because fiat is a stable coin doesn't mean it won't fluctuate.

I don’t expect anyone to say fiat cause I don’t see how you really earn from fiat when the bank robs us everyday. They use our money to give loans and get interests and then give back a fraction of it to the money owner. With Bitcoin, you are the the money owner yet the bank. If there’s an interest it’s 100% yours and not splited. The volatile market you speak of is even what brings the returns in the crypto investment because if it were stable, it’ll just be a bank and won’t serve as an investment.

This your explanation is simply one of the reason why I think fiat currency shouldn’t be regarded as investment tool or asset because the only thing worthy of that is something has a return on investment which fiat doesn’t have, it is just an exchange tool. Bitcoin doubles as both exchange tool and an asset for investment, should the question ever rises about investment then bitcoin should be considered along side assets like stocks/bonds or precious metals, real estates.
 
The Comparison between fiat and bitcoin should clearly be on which one is better to save on. Which bitcoin still edges pass it, because of it ability to hedge against inflation and also a great store of value. But that doesn’t mean you don’t need to have fiat because it eases the pressure on going to your bitcoin holdings every time when running transactions, some periods might be bad (bearish period).

Fiat is more often used to hedge investments, it won't provide as much profit as Crypto.
Of course, Fiat also fluctuates, but Stablecoins are created to maintain a constant exchange rate with existing currencies.
For example, through a US dollar peg with a 1:1 ratio.

If stablecoins fluctuate too much and even too extreme like UST which is ultimately a scam, it will be a disaster.

As long as inflation continues, my preference is crypto. Investing in inflationary fiat currencies is like throwing your money away. The erosion of purchasing power over time causes us to become poorer. That's why crypto is always my priority when investing. Storing assets in a highly volatile market is dangerous for most people, but anyone who understands the dynamics of crypto markets will definitely store their assets in crypto.

If you are scalp trading or short term trading in the crypto markets, you should be careful. Because there is a possibility that your savings can disappear in an instant. However, if you are making long term plans in this market, you should definitely stay in crypto and your preference should be Bitcoin. If you follow the development of Bitcoin since its inception, the question marks in your mind will disappear and you will evaluate your investment in the most accurate way.

Actually it depends on the particular coin you are talking about because if is altcoins I cannot invest, however i can only invest on crypto if is Bitcoin because unlike other altcoins that has the possibility of crashing anytime but Bitcoin is like the father of every other coins, so irrespective of the volatility of Bitcoin price it can never influence my judgment or mindset of not investing on Bitcoin but however the only way in other not to be influence by the volatility of Bitcoin is just by investing and holding it for a long time.

However in times of fiat I don't think I can invest on it because the prices of fiat are mostly stable and free from volatility, so perhaps what are the possibility of making a profit after investing on fiat since is a stable coin? O
or Perhaps I could only consider saving some of my funds on Fiat with the intention of not targeting for profit.

The crypto market is indeed volatile; understanding market volatility is an advantage to taking advantage of it and making profit.

Crypto investment? Did you mean Bitcoin investment?
If yes, it is better than keeping fiat money; I am not seeing keeping fiat money as an investment because of its stability in value, while Bitcoin investment is a store of value if you have the patience to wait for long.

Investing in Bitcoin involves risk as well, so you should be prepared for that. Moreover, avoid altcoin investments if you don't have adequate information about the project you are investing in because they are not as transparent as Bitcoin.

There are so many factors to consider such as;
Is the fiat of your country strong like the US dollar, pounds and Euros or is it like the Nigerian naira which is more volitile than bitcoin. If your country's fiat is strong, there is nothing wrong to make your investments using fiat.
Note: That if you keep your money in fiat, you are just saving money. I do not understand what you meant by fiat investment. I take it to be like doing business with fiat

In the other hand, if your country's currency is weak, you may consider to base all your investment in cryptocurrency. But you need to know your technicals so that the market will not dump on you frequently.


Where is it written that when crypto is used, it is not talking about bitcoin? The world cryptocurrency is a general word for both bitcoin and altcoins. So there is no problems anywhere.

I agree with all the points made by Brainboss, we have to separate Bitcoin from Crypto,
technically Bitcoin is the original "Cryptocurrency" but crypto has become a general
term for $hitcoins. Investments can be crypto, FIAT or Bitcoin.

Bitcoin trumps both of the other options. $hitcoins are wildly unpredictable and FIAT
is in a constant state of devaluation.

If anyone is concerned about the "volatility" of Bitcoin they are too short sighted, you need
to have a long term outlook and volatility will disappear.

I'll pick both. Fiat investments like Real-estate and stocks/bonds are a long-term profit engine that you could use to build generational wealth, basically make your kids and their kids' kids' lives comfortable and lavish.

On the other hand bitcoin investments are great regardless of what you say about its volatility. Matter of fact that's the very thing that makes it such a good investment to make these days.

So instead of sticking to one and singling out my earning potential, I might as well just go for the safest track and diversify my portfolio, you can't play with money especially if it's money for the future that we're talking about!

What are the options to fiat investments if I may ask you?

It isn’t as though fiat in itself is an asset like we do have with Bitcoin. Where we can have it’s volatile nature push the price as per valuation to a large extent where a few thousands could be tens of thousands. Fiat remains just fiat but,

If we look at it, there are other fields to investing of which, you can kick start with fiat money since, Bitcoin isn’t readily acceptable yet like, running a business, buying real estate, running a marketing firm, just name them. On these, yeah but, I wouldn’t want to be exclusive on either knowing what I do know and the potentials in Bitcoin.

I’ll rather have these physical investments and then, some of my portfolio in Bitcoin as well. Where the major of it would be concentrated would be based on the returns on investment.

I am one of them..
Yes, I choose to invest in Bitcoin rather than fiat, even though we know about some of the risks, including volatility, I still choose to invest in Bitcoin.

Why? for several reasons other than that Bitcoin is a worthy investment. but also when we intend to invest in Bitcoin, at least we are prepared for various market conditions and we also understand when is the right time to take profits. As long as we remain calm and don't panic, we will continue to hold onto our investments even if market conditions go up and down. After that, we can take profits at a certain rate, according to what we target. Simple, just like that.

@OP, do you have a personal definition of fiat that you would mention as a viable investment option? I don't think any investor considers fiat an investment instrument. Without applying margin/leverage, traders won't achieve significant results in forex.

For me it does not matter if the investment is in form of cryptocurrency specifically Bitcoin or Fiat as long as I can see the potential of an investment.  Focusing only in one industry and mode of currency will make us miss an opportunity to profit.  As matter of fact if my analysis makes crypto investment to have more risk than the fiat investment, I would rather choose the one with a lesser risk and have potential.

Diversification is another thing in investment.  It does not harm us if we have both investment in Fiat based investment like stocks, bonds, and in Crypto based projects.  What matters is that we are able to calculate risk and make a profit in our investment.

Fiat or Crypto? If I give the correct answer to this question in terms of the economic condition of my country, then I will say that there is no other option but crypto currency. Due to the poor condition of the banking system in our country, the general public has no confidence in keeping money in the bank. So a certain part of them are withdrawing money from banks and investing in different places. A certain portion of these investments are also going to be in cryptocurrencies. Moreover, one of the major problems with fiat currencies is inflation, which does not occur in bitcoins or cryptocurrencies.

There is no doubt that the crypto market is very volatile, which is a quality that could either make or break an investment. In this landscape, fortunes are made and lost in a single day, proving the saying that high risk often leads to high gain. When investors are asked to choose between crypto and fiat, the world of decentralized assets, which is always changing, is put next to the standard fiat economy, which often stays the same.

It is very clear that no one is so stupid as to say that buying fiat is an investment. Policies and stable governments determine the worth of fiat currency, while crypto is a symbol of the libertarian dream of a financial system with fewer rules. When making a decision, one has to weigh the excitement of possible gain against the comfort of what they already know.

Cryptocurrency for me because we all know the how inflation rate these days keeps increasing compared to before.
Even though the risk is far higher when you are investing in cryptocurrency compared to fiat, it's still risk. Risk: reward ratio is just high.
Since you are Bitcoin forum, for sure majority will go for cryptocurrency.

Yes, of course, I will choose cryptocurrencies instead of fiat in investing, even under conditions of extreme volatility. Fiat is very bad, unsafe, and its value is constantly declining. This is of course in addition to centralization and government control, so it is not possible to compare fiat and crypto.

But on the other hand, you must be aware that not all cryptocurrencies are good and safe for investment. Investing in crypto must be based on sufficient study and choosing the appropriate coin carefully, because investing in some cryptocurrencies is unsafe and extremely risky.

Of course, it goes without saying that Bitcoin is number one for investment, as you can invest with your eyes closed. As for the rest of the cryptocurrencies, adequate research must be done before investing in any coin.

For me if I have enough money then I'll go for crypto which is Bitcoin not on altcoins cause I know that Bitcoin can make a good thing in our life even though in long term. But still a good one the more Bitcoin you have the more profits you get. But as Of now my money is enough to sustain our Daily needs then I'll choose fiat  cause we all know that fiat is it depends on us how much we put in it even small amount or big amount. But anyways it's up to us how we manage our money cause we have different perspective in real life.

Yes, I prefer crypto, especially investing in Bitcoin over fiat. The profits I can get from investing in Bitcoin are much greater than in fiat. Even though there are fiat-based investment offers, the profits will not be as big as investing in Bitcoin. I have seen and compared investment offers, even investments in banks.

If you invest in Bitcoin, your investment can increase greatly. Even though there are times when the price of Bitcoin decreases, that is a process that every Bitcoin investor must go through. Later, they will see the value of their Bitcoin investment increase again.

Volatility is a part of crypto, and we have seen it often over the years. So if we are used to volatility and can even get moments in our favor, we can get additional profits. But I also keep fiat in the bank for daily needs and not as an investment.

I will prefer to invest my money in BTC investment I understand very well than fiat that is control by the government which the government officials can decide what will happen next in the market, but BTC is not control by the government, and it can bull today to help investors to earn good profits and bear tomorrow to make investors to buy and wait until the price go up before they can sell again. BTC is more reliable than fiat investment in my personal research because, fiat investment use to take a long years before you can earn little money from your investment compare to BTC investment that can cause investors to earn massive profits when the price hit higher at the moment.

 Now that the price of BTC has drop down little to $34k, you can test the BTC investment, and you will thank me later when the bull run take over from the bear run in the market which is the season many crypto investors are waiting for.

Generally, volatility is often seen as a negative but it can also be in a positive way. The high level of volatility means that there are more opportunities for investors to make money if you can time the market correctly, you can make a lot of money in a short period of time and on the other hand, you can also lose a lot of money if you get it wrong. It's just like a double edge sword. But the truth is that, the level of volatility in the crypto market is unlike anything we've seen before. This can lead to massive gains or losses, depending on which way the market goes.

Now to answer your question, I would say it's difficult to say definitively which is the best between crypto and fiat when it comes to investment. Not that it's actually that difficult but it depends on your personal risk tolerance and investment goals. If you are looking for a safe investment, then fiat is probably the way to go but if you are willing to take on more risk in exchange for potentially higher returns, then crypto might be right for you. One thing to keep in your mind is to know that volatility can be a blessing and a curse. It can lead to huge gains and also huge losses. Some people are okay with that level of risk, while others are not comfortable with it. Decision is absolutely yours to make in that regard.

Basically I’m talking about all forms of crypto investment in compare to fiat investments. Crypto investments are very risky but yet they pose high profit than fiat investments that you make in banks.  

Investment in crypto indeed needs to have a good understanding of the market's volatility. Aside from that, there are things to consider and understand, like investing in crypto can give you high returns while supporting the future of technology (its function), the mechanism of the exchange system in crypto, or those basic needs, especially including the way on how to secure your investment. Most people here know that. And I can say that I prefer investing in crypto, though you didn't specify what kind of investment you compare crypto in terms of Fiat. However, if it's in real estate, I would rather invest in both.

of course yes. i prefer crypto compared to fiat for my investments. with crypto i can get an roi that is tens of times higher than what fiat offers. after all, what can you gain by holding fiat and making it your investment? its value may decrease along with the economy, while crypto you can see how it has grown significantly in recent years and investing in crypto is much more promising.

You got the point actually, the whole comparison is like investing in crypto to get like 7% APR in a month just like the shark fin product of Bitget and the usual bank investments through fiat. As for me i still prefer crypto investments than that of fiat.

Investment in cryptocurrency will be profitable and there is no need to make investment in fiat because its a type of saving not investment. But we can also not agreed with the thoughts that all cryptocurrency is good for investment because there are lots of coins arised which did not give any reward to its holders but diminish after collecting money from large number of individuals.

Bitcoin is the first priority in crypto market which is suitable option for investment and there are also lots of other coins like Ethereum and BNB which can provide you an increased outcome. If one person hold successful crypto coin and other person hold fiat then crypto holders will be benefited in future but fiat holder will not gain much benefit as it does not increase in worth.

Your assertion is right, the only issue here is that a lot of people are yet to build up confidence to withstand the volatility. In a situation where the market is going down and their investment is depreciating definitely they might be forced to sell at loss.

---

You just have to DYOR before you start any investment, basically you should not just follow the crowd to make decisions.

---

This is a very good insight, I love the way this is pointing out other investments that we can venture into. Though I would still prefer crypto investment over any other investments.

---

I think it’s good to have investment in crypto currency especially BTC but you have to DYOR, there are investments in fiat just like super savings that allows you to earn up to like 3% of your investment as reward, those are equally regarded as Fiat investment. Regardless I would still choose to do such in crypto, I can hodl my asset and still make profit from it monthly base on the savings plan. It’s possible to earn up to 7% APR on your saving on Bitget shark fin product.

---

But don’t forget that the volatility can also make you loose money, it is in two ways actually.

The answer is YES, I would still choose crypto over fiat if it was for a long-term investment because the goal of the investment is to seek profits in addition to seeking a store of value through a particular asset. Now you can also set your own goals when you want to invest, because if you only want to choose fiat, that means you only want to save money and not make a profit. But when you want to make a profit, you have to be brave enough to take risks by choosing crypto because basically there is no profit if someone is still afraid of any risks from anything.

That high volatility you're talking about is what attracted me to invest in bitcoin and some other shitcoins that has potential, most of the time people only talk about extreme volatility when they're only talking about the prices suddenly going down which is understandable but unfair because there's two sides to a highly volatile asset, the one which is the price suddenly going down which is always the one in the spotlight but the other one is the price suddenly going up and investing in crypto offers you that chance to be able to reap a really great profit in a matter of days or months which can never be done when you're invested in fiat inclined investments, those stuff takes a long time because the banks said so.

At the end though, they both have their own advantages, with fiat having more stability since it's backed by the government meanwhile with crypto, it can illegal in your country so there's that. I guess the choices fall upon your risk assessment, if you want to be at ease with your investment, maybe consider fiat and crypto if you're the risky kind.

Yes I choose to keep my money in crypto even with the high volatility, because of two good reasons.

1. I believe keeping my money off the centralized country and their banks is more safer for me, no one knows my worth actually not even the government, and since Bitcoin is a decentralized digital asset it really fits in my need.

2. Volatility is not my problem because to me it's more like inflation in the real world where you store you Fiat, monthly the amount is the same but it loses its value from time to time, and with Bitcoin the profit is a bigger part to look at as it's more valuable than any Fiat, your money you use to buy Bitcoin can go as high as 5x in the coming years but if keep in bank account it will remain the same.

The funny thing is banks will start using your money for businesses and investments behind your back and they are risking your money on assets that are also volatile, why not do it yourself and rip the benefits that comes with it?

Yes, of course, that is the beauty of cryptocurrency: its volatility. I know it is risky or dangerous, but that is what crypto is. Because of its volatile price, even for many, it is dangerous, but for crypto investors of any kind, like tafing and holder, we take advantage of the volatility of cryptocurrency.

Of course I can, because I've honed my knowledge and skills in terms of cryptocurrency. That's why I'm not afraid of the volatility. Of course, there's still risk, but of course, without risk, you will not gain. A mature and honed crypto investor will not blame the volatility of the price if they fail or lose money; the ones to blame are the investor itself, because it means that you do not have enough skill and knowledge and yet you still invest. There is a lot to invest in fiat, but I'm more into crypto currency.

This is where the expression of strong hands comes into play. Anyone who invests must understand that it is impossible to always be in the black and expect Bitcoin to grow; corrections are bound to happen, which leaves those who understand that volatility is an integral part of Bitcoin and remain firm with their investments.

Op, I know that your problem is the volatility of bitcoin and the uncertainty of the market, if am to choose, I will choose crypto over and over again, if I ma to ask, how much is the value of your country's currency and how much is  1BTC compare to any currency in the world, no matter the instability of the market you can never compare bitcoin with any currency, the so-called inflation that is dealing with so many part of the world today bitcoin is not part of it, instead is even this period that it is gathering a little, that should tell you that bitcoin is a different currency on it's own that has the ability of to move higher than it's folks, this volatility you are afraid of, can make you very rich over night if you utilize the opportunity.

After years of experience in the crypto space where I had a share of bad and good memories my confidence only grew. Just imagine putting your savings on fiat 5 years ago and then comparing it to the current bitcoin value. Which fiat grows in value big time? I guess most fiats lost their value since they can be printed by governments.

I have kept some Singaporean dollars here since 2019 and the current value is 4% more than my local fiat which is not bad knowing the high inflation in my country. But if I put this money in bitcoin? At that time bitcoin was around $8,800 and currently, it's $35k which is nearly 400% growth. Not considering that bitcoin already reached $69k last 2021.

But to be fair, diversification of investments is always the best advice. Invest in crypto, especially bitcoin. Keep some fiat for urgent needs and the rest put them into something stocks, etc.

When you mean invest in fiat how do you mean? There are different kinds of investment with fiat. Do you mean investing in a bank and having a profit after a certain time or do you mean any kind of investment that is not crypto?

Personally, I don't think I can invest my money in a bank and hope to get an interest after a while. My reason for this is because the interest is usually too small and then there is the matter of inflation. So even if I get an interest, inflation would have eaten deep into the money.

If you're talking about other investments then I don't think there's a reason to choose between crypto and other investments. Nothing is stopping you from investing in both. It's not wise to put all your investments in one place. And Bitcoin is the only coin I can have a long-term investment in.

I prefer both but I would start with fiat like savings or mutual funds. Having a mix of both crypto and fiat investments is like having the best of both worlds. You can enjoy the excitement of potential high returns with crypto, while also keeping things stable and secure with traditional fiat investments. It's like finding that perfect balance between risk and stability in your investment journey.

Usually bank interested too small and based in my country not support with fiat such as USDT because only available with our local currency, for fiat get interest seems all exchange have support it but depend some exchange rule reward interested small and ration under 8% in a year. Talking about which one profitable between investment fiat or crypto I prefer make investing in crypto, fiat of usdt only change few percent every year and with crypto can get return more than 40% every year depend on kinds of coins as our investment.

But good ideas investing in both kinds between fiat or crypto due many trader with short term move their investment kinds from crypto to fiat when price dropping and buy back later or make investing in crypto when price going up, its profitable when investing both fiat and cryptocurrency.

Crypto itself is an investment already. Form of investment on the other hand is a different thing to talk about. But if it is general preference, then I’d say I prefer using fiat on my investments outside this industry, and let my crypto investments still. There’s no need to choose if you can engage to both. Crypto in the first place still has its limitation with regards to its accessibility, acceptance, and usage. With FIAT as a medium to investments, it also has its pros as well such as having a fixed value of exchange, which I prefer more especially with stocks and some real estate properties.

As far as I know, there is no investment in fiat, only stupid people keep fiat and call it an investment.
For example, using the Nigerian naira for example, if you see the naira losing against the dollar, and you decide to buy dollars, understand that dollars is also losing against some other fiat currencies somewhere around the world, and dollar is also losing purchasing powers in US and environs as well.
So when dollar goes up against the naira, and you are holding dollars you sure make some profit when you decide to sell the dollar for naira, but understand that by then, some items in Nigeria must have gone up in their prices due to the devaluation of the naira, most especially, imported goods and items, you will still end up spending your capital, plus the profit made, buying exactly the same item you previous bought with only capital alone.
In the end, you discover that you are either standing on the same place, or even going backward.

The story is completely different when we invest in crypto, specifically bitcoin, volatility in crypto is a blessing in disguise, it is how money is made in a short period if time.

Fiat currencies are stable if there is no inflation or black swan events like wars, political issues to cause decrease or increase of purchasing power. Most of time, fiat currencies are not investment but only storage of asset. They are even less likely investment and people have better choice like gold.

Bitcoin and cryptocurrency with high volatility can be promising investment assets but there are risks with them. Risks with altcoins are bigger than risk of Bitcoin. Many people don't invest but they only speculate or gamble without much deep knowledge, diligent research and without risk management for their capital.

Investing in fiat is largely a ridiculous thing to do. Fiat functions in a way to encourage spending rather than storing the money. It loses value over time, and it's just a matter of how fast it's losing value, not a matter of it at some point recovering or gaining value (with very few exceptions). Sometimes, of course, people in countries with more volatile fiat put their money into less volatile fiat, and they can profit from it in comparison with their local currency. But that 'profiting' is still losing, just losing less. Bitcoin, on the other hand, is gaining value over time, even though there are major setbacks that can last a while. So, in the long run, I think investing in Bitcoin clearly makes more sense than investing in any fiat.

It depends on the type of crypto because not all crypto is suitable for investment.
The mention of crypto is too general because there are many types, starting from Ethereum to the bottom of the marketcap list.
If you mention the many types of crypto, people reading can decide.
One thing that will definitely be my answer is that Bitcoin is my favorite choice for investing than fiat.
Investing in Bitcoin can provide a hedge against fiat currencies.

Poor economic policies has made my local fiat to be losing its value against the US dollars, and two weeks ago the Nigerian naira fell to the lowest level ever. Judging from the body language of the current administration, I'm not convinced enough that the policies they've mapped out can revive the naira. For that reason, I choose to have more of my savings in cryptocurrency (preferably stablecoins and Bitcoin). This will give me the opportunity to sell at the current exchange rate whenever I've need for cash since the value of naira is steadily declining.

Fiat is not for investment, even if it is kept in the bank, you will not get any profit because every year fiat experiences inflation. It might be better to invest your money in real estate or gold.

If the crypto you are investing in is an altcoin then it is also not the right choice, maybe most people think that investing in crypto is about buying coins and letting them ride, but it takes a lot of analysis to be successful. It is better for you to invest in Bitcoin as it is the best option to make profits in the long run. Investing in Bitcoin is still the best decision I have ever made

Yes, diversification can work but there's a problem with that and that is the capacity of the person in terms of emotional capacity and financial capacity, what I mean by that is that there's a people that might never be able to handle multiple investments because they're too busy about other things or they're getting confused and anxious on what to do when their investments aren't doing good and with financial capacity, I think everyone knows what that is already. My point here is that as much as diversification is a beautiful thing to do if you want to invest, you've got to be prepared of the stress and the money you're going to put in because if you're not ready for whatever that's coming, you will end up breaking down trying.

Fiat is a currency not an asset, so there is no point on investing in a currency when we all know it will lose its value eventually. On the other hand if you were thinking about bitcoin when you made the title about "FIAT or CRYPTO" then it is a obvious choice that bitcoin was the best option. SEC already acknowledges bitcoin as a commodity and its market data shows it is one of the best choices to fight the inflation. So the obvious choice will be to invest in bitcoin.

I believed all answers will narrow to one direction. And the answers would be crypto (bitcoin) because nobody will see what is happening in the world and will choose fiat. It is only those who have no knowledge about bitcoin will choose fiat since they don't have anything to do with bitcoin but for those who are deeply involved in bitcoin will definitely choose bitcoin over fiat. Since when I have been using fiat currency, storing it in my bank account for months and days, I haven't seen any small increase instead they are cutting or deducting me every month. And now that I am enjoying cryptocurrency, I don't think I will still go back the old banking method. Even if I use it. It is just to buy basic things and empty the account for them. And anything investment is cryptocurrency and specially bitcoin.

Even if one wants to invest in a fiat currency, it is not advisable for the person to invest in a currency that is lower than his/her currency, because the person will not gain anything rather than lose from the investment.
Crypto-currency investment is the best thing. However, it is not guaranteed, but it is a little bit safer than fiat. That is because the fiat currency is controlled by the group of governments, but crypto-currency is not controlled by anyone and that is one of the reasons why some governments are scared of it.

I believe you meant to say saving in fiat because I don’t think there is a thing such as investment in fiat? For me, I live in a third world country, the local currency is always less valuable than the US dollar. So saving money in USD can said to be an investment because it gives you an hedge against inflation. It’s a good strategy that works for me because I can always trust the corrupt politicians to mess up the economy but I wouldn’t over saving choose that over buying bitcoins. Instead of looking at which is better, it would not cost you anything to do both.

Until now, cryptocurrencies have proven to be more profitable to hold than traditional money/FIAT. we understand that the ups and downs in their value can lead to quick losses, which is a risk when you own cryptocurrencies. However, history shows that every year, the price of Bitcoin, for example, consistently goes up. This means we can embrace cryptocurrency with a long term strategy that is certainly more beneficial. So far, cryptocurrencies not offering quick profits, as it all requires patience.

Bitcoin is currently the most reliable favorite cryptocurrency. We can save Bitcoin for the future, assuming we've already allocated money for daily needs. With a defined budget and regular accumulation, at the very least, we have a chance to live comfortably in our old age and leave a substantial legacy for the next generation.

Where you choose to invest your money should be determine by time factor or when to use it. I think the money you can keep in bitcoin is a money that is not needed urgently because if it's a money that needs to be used in a short time, you might run at lost or gain but more secure in USDT because it's stable. Investing in crypto is like gambling your money. If paraventure this money you gained $250 in an investment of $1500 was vise versa you lost $250 out of $1500, what would have been your perspective on bitcoin? So different people have different experience on bitcoin investment so your happy story might be a sad one to another. That is why we always say that Bitcoin investment should always be a long term investment in other not to Lost your fund.

As we know, Bitcointalk is a cryptocurrency forum, and members of this forum are cryptocurrency enthusiasts. So as usual, the answers will be on behalf of cryptocurrency. As a crypto lover, I feel cryptocurrency investments are better than offline investments. Though cryptocurrency investments are highly risky and not for everyone, the ROI is also very high. Before making a cryptocurrency investment decision, you have to consider a lot of things. You shouldn't jump into cryptocurrency investments without knowing them very well. Otherwise, you may become poor instead of rich. So it's a matter of timing and learning. We have to enter at the perfect time, and at the same time, we have to leave on time. Before making cryptocurrency investments, we have to develop our skills and knowledge.

When you have the chance to have both, why should you choose only one? I got the point that field currency is not immune to inflation it happens quite often. But when you invest that Fiat money, whatever investment you choose, if done right then it could obviously increase your asset and give you a profit. Cryptocurrency or Bitcoin to be exact is immune to inflation which is true but the volatile nature of the Bitcoin market is an issue too. There's no guarantee that you will only make profits by investing in Bitcoin.

As we are speaking about investment I am pretty sure we are not talking about holding asset in Fiat or Bitcoin. If holding assets is the case then Bitcoin is the perfect choice in the long run. But if we are talking about investment then the investment could come into any form. Could be a business or could be something else entirely. But if you know how to make profits out of those investments then it doesn't matter if it is Fiat or crypto.

We can make good use of both of them. But it is said to only invest what you can afford to lose in Bitcoin. When you are trying to make a living from your investment, I don't think only investing what you can afford to lose will do the job. So have both option in your hand and make a good use of both of them in order to achieve success.

The decision to invest is everyone's personal choice, but for me personally, investing in the crypto market will be much more profitable than investing in fiat. Fiat is indeed stable, but can a stable investment provide benefits? Of course, that's not the case, so just investing in cryptocurrencies can provide benefits for anyone rather than investing in fiat currency issued by a country.

There are two aspect which I would consider when you ask me to choose between crypto and fiat and I have mentioned them below:

1. Bitcoin over Fiat for long-term:
I would always prefer Bitcoin over any fiat because Bitcoin will surely be there unlike some altcoins and also it's value will increase further and let's say if you have invested an amount in fiat and after few year and you got certain percentage of interest, if you try to withdraw you will surely get interest as a profit but it will never match the level of inflation but on the other hand Bitcoin will give you handsome returns for sure which will beat inflation. This, i would choose Bitcoin for long term.

2. Altcoin over Fiat for short term: (never for long-term as Bitcoin will be first preference for longterm)
If it's a short time investment or daily trade sort of thing I would choose Altcoin because they are more volatile than bitcoin but altcoins are double edged swords as either you can become 10x 100x times richer or you will be just holding digital number which means nothing in real world. But for daily trade with high risk where I want to earn more in less time without bothering about risk factor I would go with Altcoin. Not the NFT and memes though.

I'll just give you a short explanation and answer. It's entirely depends on the platform where I am going to invest since there are fake investment in fiat which my brothers and sisters invested but ended up losing all their money because it was a scam. In crypto, it is still the same but if you know some platform or website that you have already invested in it then it is safe atleast since you have tried it already. This is what I do, I save some BTC and also sell some of it into fiat (more like a pocket money if we compare it).

Definitely in fiat and in crypto. You don't need to chose between the two because if you want to assure and maximize your investment profits, you will take risk both in fiat and in crypto. Despite of its market volatility, as long as you know how to manage and control the risks in your investment, then you don't have to worry on losing your investment because being knowledgeable on your chosen investment is already an edge to free yourself from losses. Aside from that, if you have gained varied experiences in the market that makes you an experienced and skillful in trading or investing, then worrying to lose your capital is nonsense. Although there might be inevitable losses on the process, but that is nothing compared to what you can get when your investments end up successful and profitable.

Why should I invest in fiat and count that one as an investment, if some people do go extreme by making their cryptocurrency investment with exchages or other centralized means then we should know it that we are only taking such risk from our own end, at least one should also know that bitcoin Investment had more assurance and reliability than when we are investing on altcoins in cryptocurrency, I don't think i can choose fiat in this regard as my preferred Investment currency when i knew about bitcoin.

Losing money due to possible losses can be a valuable lesson for investors who are still learning. Evaluation is always necessary so that in the next trading experience, an investor can do better. Crypto's volatility can indeed be challenging, but sometimes it's just a matter of an investor's emotions getting the best of them.

So far, crypto investment remains my favorite compared to traditional currency or FIAT. It's a testament to the financial freedom that could potentially evolve the world of digital payments. For me, investment can be made in any instrument as long as it generates income and has a positive impact.

Yes, but the volatility of cryptocurrency is the reason why it presented great opportunities and it's also the reason why it's an outstanding asset in the investment space.

I will always choose crypto over fiat currency anytime and day. It is not something that's hard to know that the end of the era of fiat currency is getting closer and people are looking for alternatives in crypto.

The crypto market is one huge market with everything ...If you are worried about volatility, the crypto market has stable coins which give you the benefit to enjoy coins on the basis of what you see is what you get, let volatility not hinder from enjoying your crypto journey :)


I think what determines what choice you go for is what currency the platform takes when paying for the asset, besides what seperates these two is usually KYC, with crypto platforms you are likely not going to go through the KYC process like you would with fiat platforms as paying with bank cards need the proof that you are the owner of the cards and not using stolen cards...hence if a platform has both options would rather go for crypto which will require less questions, paper work etcetera

Why choose? There's no such thing as "rather" where in the first place we can take advantage of both.

It depends on how far you understand the risks if you tend to choose either fiat or crypto. There's no easy road to success. Dealing with the volatility is the challenge in crypto. While in fiat, dealing with inflation should be the priority.

Like any other investment, it should be well-planned from the start, and understanding the basics is necessary before engaging.

Why not have in on both of them if you could?
Invest some in crypto then start your own small business and on that business accept crypto payment, it is hitting two birds in one stone.
If you could use both of them to earn money why would you even need to ignore the other one?

Ok, I got it and tried to answer before that, if you are talking other than BTC then, you will also make some profit but you might make more loss then the amount you will lose due to the inflation if you will keep your funds in Fiat. I hope you got my point. Crypto is so volatile, BTC is less but ALTs are too much volatile, And ALT's price depends on the BTC dominance and price segments.

In short, even if you selected a good alt that might not bankrupt or rug pull you, or flew away by making some lame accuses still then you have to be aware of the BTC price movements because alts are connected with BTC and we should not ignore that.

I think if someone is afraid of volatility, it's best not to invest in the cryptocurrency market, there are many other markets that are less volatile and have more options. It is useless and a waste of our time and money when we choose cryptocurrencies and invest in stable coins. Instead, investing in gold is both safe and offers better returns than stable coins.


I think, KYC is not the issue when comparing both these investments but the huge difference in their returns and risks. People invest in cryptocurrencies because they are willing to take risks in search of greater rewards. For those willing to stay with fiat money, they prefer safety even though the returns are very small and will even be negative if inflation increases.

Currently one of the problems of people right now is inflation, if you make an investment in the banks or the fiat currency the price of your asset might get lower due to it, in cryptocurrency you are getting a ride with the market volatility, and your asset has a chance to gain profit or to lose depends on the price action movement, still an ideal move is to invest in asset that possibly giving a good cashflow so you don't need to get worried with your fiat or even in crypto. Only the time frame, price and the risk matters here.

First we must have careful consideration before deciding to invest.
It cannot be denied that investing in Crypto has a very high level of risk, but it is quite worth it with the possible profits that will be obtained, so to minimize this risk we must really understand the investment.
So with the choices we have made, we also have to be ready and learn to learn about the investment we are going to make.
I still choose to invest in Crypto even though I am aware that the risks are very large, but I have the confidence to be able to take advantage of the knowledge I have learned.

In choosing to invest, we must be realistic, there is no investment that will provide large profits with small risks.
Investing in Fiat is actually a good choice too, but this investment is relatively stable and the risk is very small.
We have to understand both and then decide which direction we want to go.

I agree that cryptocurrency is much riskier than any other investment but as you also said, the rewards are worth the risks we take. But I wouldn't say investing in fiat is a good choice, fiat devaluation is unacceptable. So fiat should only be used as a medium of exchange and we should only keep the amount necessary for daily needs. For the rest, if we don't like cryptocurrency because it's too risky, we can also choose other assets like gold or real estate...those assets will secure the value of our assets more than investing in fiat.

Investing in general not just in cryptocurrency in general should have the matter of understanding what the market is. You cannot just apply and put all your money in one basket because that's going to make lose your investment if you don't have any idea about it. It's best that you do it properly by learning all about it and understanding the focus of the investment and how you will have the ROI.

I would love to use FIAT instead of cryptocurrency just for easier computation in my head. I would like to put it on to a spreadsheet so I would know what to do.

I think people who choose cryptocurrency not only don't need to learn about its volatility because they are already attracted to its volatility. Volatility is considered a distinguishing characteristic of cryptocurrencies compared to any other market, and people choose cryptocurrencies for the volatility, the stronger the volatility, the higher the chance of making a profit.


I have never considered fiat currency an investment, it is just a unit of measurement and method of payment. If we compare cryptocurrencies, I think it would be more appropriate to compare them to financial markets like stocks and gold rather than fiat.

Well, I have investments in both, although not specifically 'crypto' but more specifically bitcoin, but I also have investments in fiat. It is not incompatible, and although there are bitcoin maximalists on the forum who have all or almost all their assets in bitcoin, I prefer to diversify more.


Well, in my case I am referring to fiat investments such as bonds, equities or mutual funds. Not buying currencies as in forex.

Most of crypto is too fragile for long term investment — hacks, scams, volatility and also require individual ability to secure funds.

However, returns are greater in crypto, if one wants to make good amount of money in short time, crypto is the way but do your due diligence and stay away from shady part where scams lie.

Your points are really great, nevertheless there are still altcoins with good utility and great potential, they can equally worth investing in. Anyways I’ve always make most of my investment in crypto through hodling and sometimes I use the shark fin product of Bitget in order to get monthly interest up to 7% APR.

I think you got my point here! There are savings we made in banks that yield interest like 3% per month, it’s equally in the crypto space, you can hodl your BTC and still subscribe into a particular savings product like the Bitget shark Fin where you get 7% interest if your saving as APR. which would you rather choose, is it that of fiat or that of the crypto space?

But holding bitcoins on a centralized exchange like bitget to earn interest is already a bad idea, although bitget is offering higher interest rates than savings interest rates in banks. If I am forced to put my bitcoins in risky centralized exchanges, I would rather accept that depositing my money in a bank is safer. Investing in bitcoin offers better returns than bank deposits, but if you invest incorrectly, you take on greater risk than holding fiat currency.

Depending on what your choice of exchange is either CEX or DEX, holding your asset on a centralized exchange isn’t a bad idea at all. Basically top tier exchanges like Binance, Bitget, OKX has been building the industry so well than to pose more risk than good, also with the recent proof of reserve by this exchanges especially Bitget, I’m sure your investment will yield great.

I guess doing a very good research and trying to do your due diligence is very important once you already understand the volatility of the market.

You need to understand that you can make investments in bank by having your money saved without being touched and you get your interest monthly. The crypto space also have such opportunities but I feel saving in cryptocurrency is more better

I think there are more opportunities for easy computation in crypto too. I can definitely put you there provided you need help.

Depending what I plan.
At the moment FIAT is way better,  as Advertisement, and such are not really paid in Bitcoin.

Both.

And a few more things.

METALS
REAL ESTATE
POW CRYPTO
GOVERNMENT BONDS
GEMSTONES

Also some cash

Notice no stocks.

I do not believe in a single way to invest.

So a bit of all that is above.

Did you mean you rather have an establishment where your many is working regularly to generate profit? Crypto investment is one of the best alternatives though. Mostly when the volatility is on the advantage side it’s definitely going to bring huge profits.

Are you saying you don’t have interest in any investment whatsoever?

Actually this can still be applied to banks (of course fake ones) except for the volatility. Since we were in the era of the internet and technology, some banks are open to digital banks where you can save and invest at home which is prone from hacking and scamming. Even a simple text from your phone where there's a link that once you click, it could gather all the data from your phone which can drained up your funds. Also I have seen some cases where fake banks are scamming uneducated people to financial and senior citizen by encouraging them to use their banks, but shortly they would just run with bags of money from the people. But yeah, crypto is much riskier since its decentralized, all of your moves and decisions might affect your funds unlike to centralized system wheren they can secure your funds safety.

You seems to understand the point, volatility is what the crypto investors deal with while inflation is what people who have fiat investments in banks deals it. Although I guess the volatility in the crypto space can still work either in your favour or against you. Crypto seems to have more profit talking base on my own personal investments in crypto up till date. That’s the reason why I will advice anyone to DYOR but choose crypto.

Fiat as an investment? I can't really imagine how will it work because when we say investment, it's about earning huge for the long term but fiat is much stable than the crypto. Maybe there are small fluctuations sometimes but it's like they have a fix limit on how much they can gain. They can always recover to $1 if we use US Dollar as an example. If we are talkin about trading, maybe it doesn't look bad at all.

This is why there are forex trading, but I never heard of forex investment. I don't think volatility is that hard to understand but there is more than it like controlling an emotion, that one should learn and master in order to be victorious on this field.

You are right, the sentiments and emotions of humans change about a thing, whether that is a loss or a profit. If BTC made me $250+ profit, I am happy; otherwise, I would not be, but as you said, it all depends on the investment plan, and mine was to hold my funds till 2025 or the next ATH (of course I don't know when the next ATH will be, but at least I can be prepared for it). And about using money in the short term, BTC can be used for short-term purposes, but that is not how things work. If you have $1500 in BTC, it does not mean that you have no other funds in fiat. That's why you should not keep all your savings or capital in one form.

I have said so many times that emergency funds are necessary, even if you think the situation is not bad. You still have to keep some funds in case of an emergency. Investing in crypto is not like gambling, and I did not gamble my money. If I had gambled, then I would not have said that ATH is coming, and it will come till 2025, because in gambling we cannot do analysis like we can in crypto investment (holding or trading).

Making investments in crypto or fiat? Or using crypto or fiat for other investments? These are two different scenarios, in the first one, you buy a certain cryptocurrency or save money in a certain fiat currency hoping for its value to increase over time against your local currency so that you can get some profit. The second one is using either cryptocurrencies or fiat for making investments in something else, like a business or something, that will generate revenue for you.

For the first scenario, I believe cryptocurrencies, especially Bitcoin, would probably be a better choice since it's volatile and its value tends to go up from time to time and drop as well, but it eventually generates some profits for you. For the second part, I believe it's better to simply use fiat to invest in a business or something, also because cryptocurrencies can't be invested directly as they aren't widely accepted.

Investment in bitcoin is simply profitable than fiat currency where you have to battle with inflation drilling down the value of your fiat investment or savings unlike bitcoin that's resistant to inflation and even with the volatility it has if you know what you're doing you can always take advantage of the volatility whenever there's a dip to DCA and make profit when the price rises.  We are likely to make a huge success faster based on our knowledge about bitcoin and the market, knowing when to buy, having a good management risk and staying unshakable even when FUD arises as these a just the few challenges we're likely to encounter as bitcoin holders.

It all depends on where we plan to invest our money. There are many nitch we can invest money that would bring good profits for us just like the way we can invest in cryptocurrency and make a lot of profits. Cryptocurrency investment need one to understand the market before investing our fund because the market is very risky and if we make the mistake of investing our funds in the wrong coin, we can end up making loses due to our mistakes. Crypto invest need concentration and good understanding on how the market works which will guide us on how to say safe in the market.

And huge losses.
Crypto trading is similar to any other forex trade. Leverage goes both ways.
You want to invest and loose all go ahead.

If you invest with loses in mind you need to go the road of real estate, Metals, etc..

If the primary needs still use fiat including investment should be easier fiat, but if investment and aware of the potential of bitcoin of course this is an important part while keeping up with the times, the digital age makes it easy to store with bitcoin and convert to any digital and local currency, the ups and downs of prices I consider it the art of buying and selling or franchising in real business, it makes sense according to, I chose these 2 currencies even though they are physically different but their usefulness is the same even though they have advantages in their respective liquidity. complete investment instrument and tools future economy.

Your clear separation of direct crypto purchases from using crypto as a way to invest in other things is perfect. Let us make this clearer. Blockchain-based cryptocurrencies like Bitcoin and some others have seen huge gains over time, making them look like an investor's dream. Despite this, it is important to be aware of the risks, especially since the market is based on speculation. Some people see volatility as a sign of chance, but its also deceptive. Its common for big benefits to come with big risks. One idea is to diversify your assets.

And finally, using fiat currency to start traditional businesses gives you more cash and, well, fewer problems. The cryptocurrency ecosystem isnt developed enough for businesses to spend easily. To top it all off, the rules and regulations in many countries make it even harder to access. Sorting through those murky waters is almost like a pointless activity. While you're thinking about starting a business, stick with cash for now. Its generally believed for a reason.

We are getting into bull market and you are saying fiat is way better? What advertisement payments got to do with Bitcoin? Mind you, we are here talking about investments.

Investing in cryptocurrencies, despite their inherent volatility, offers unique advantages in today's financial landscape. While the traditional fiat system is stable, it often struggles to keep pace with rapidly changing economic realities. Cryptocurrencies, on the other hand, have shown tremendous potential for growth and innovation.

Crypto investments have the potential for substantial gains, outstripping traditional financial instruments. The decentralization of cryptocurrencies reduces the control of central authorities, making them less susceptible to manipulation and inflation.

Moreover, cryptocurrencies can provide accessibility to financial services for the unbanked and underbanked, fostering financial inclusion globally. Blockchain technology, the backbone of most cryptocurrencies, offers transparency and security, mitigating fraud and enhancing trust.

Though the crypto market is volatile, it rewards those who research and diversify their portfolios wisely. Consider your risk tolerance and invest responsibly. Cryptocurrencies offer the potential for significant returns, but due diligence and a long-term perspective are key. Ultimately, combining both fiat and crypto in your investment strategy can provide a balanced approach to hedge against market fluctuations.

This is a good side, obviously we all know there are lots of profits in crypto investments than fiat investments in banks. All we just need to do is to invest at the right time.

Fiat devaluation is one of the major reasons why crypto has more edge ahead of fiat, also the fact that fiat investments has a little turnover when it comes to profit. Crypto investment has an high potential of yielding huge profit provided the volatility moves to your advantage. Nevertheless we need to understand that the technicalities required in crypto investment is far more than that of fiat investments. As a newbie it’s better you take your time to learn before you start any investment, newbie can also watch out for learning opportunities from top exchanges like the Bitget BlockChain4Youths program and different exchanges Academy.

Buddy, we’re basically talking about investment and it has nothing to do with advertisement payment. Fiat investment does not yield much profit in compare to crypto and also the rate at which some countries fiat get devalued is really bad, it’s just better to invest in crypto. Regardless you also have to DYOR and do your due diligence because the crypto market is volatile but it can be to your advantage when you have good understanding of the crypto market.

Definitely crypto. because if we hold our money in fiat then it will inflation and decrease value but if we hold our money in crypto then it can give us a good profit in long term holding. so if your question is about investment then my answer is i will invest my 30% money in crypto and 50% in different business 10% is gold and another 10% is fiat money for Daily expenses and emergency needed because every country have specific fiat money for country based regular using so we have to hold fiat to expenses

I’m sure he doesn’t just understand what we’re talking about, seriously even without the bull run I still make up to 7% APR interest on my holdings with Bitget shark fin and as BTC rise my assets are equally increasing, whereas most of my fiat investments in banks doesn’t get up to even 5% interest rate. I’m sure some people are still yet to invest in crypto because they’ve got too much confidence in fiat which is already failing most people now.

I understand you anyways real estate is a good investment but you need to understand that it’s not everyone that loss while investing in crypto.

Indeed, we have to invest at the right time, but one could also say that if we get to know that the time is right then why would we not gamble at that time and make quick and easy money which we might not make in crypto? So, in simple words, we cannot time the market, but we can take measurements according to our analysis and can minimize our risk.

Risk management is full of different techniques to take pre-cautions while investing money but we can also take pre-cautions at gambling.

What I was trying to say here is, that we cannot do technical and fundamental analysis in gambling but we can do that in Crypto, in simple words, we don't have gambling charts, or past data on which we can perform our strategies to get something useful to be used in future for more profits.

I like your point here, everyone investing in crypto need to DYOR and have a good understanding of the volatile market.

Great 👍🏼, which of the crypto investments did you have currently?

Regardless of the ones you’re investing on you still need to have a good understanding of what you’re into and also you should try to choose a good exchange where you will make your investments.

This is equally another good reason why we should rather invest in crypto than fiat. May I know if you have any particular form of investment you’re currently into within the crypto space apart from holding stable coins and BTC?

We all need to understand that fiat devalues over time, therefore crypto investment has high potential of yielding good profit than fiat bank investments, you just have to do a proper research and understand the market, also take advantage of some exchanges with good APR in order to earn while you’re still holding your investments.

Hello @Bitcoinpoly, you don't need to reply the individual posters of your thread the way you did because the mod would see it as spam and merged all replies as one. Next time, just qoute and reply to all users in a single post.

I've invested in altcoins but the results have not been too good. For now the ones that I'm holding unto are ETH and monero. But bitcoin is the real deal and if you can buy and hold long term, your investment is certainly going to yield good results.

There isn't next time, just @Bitcoinpomy merge all your replies in 1 post otherwise you will get flagged by users here.. It isn't two successive posts to just alert OP but 5 successive posts..

---

Back to the question: I made here https://bitcointalk.org/index.php?topic=5254959 a real and quite long experience about investment in Bitcoin and posted each week or so the real price in USD and mentioned in some posts the variations of the price...etc
It might help people to get a better idea about investing with cryptocurrencies.
For investment in FIAT, we all know that the funds will increase but inflation will increase too and it is about which one will increase more. For example, a 5% ROI with 10% inflation = loss even if the funds increased because simply you pay much to buy the same product. In cryptocurrencies there is an additional factory that's the price rise comparing to FIAT that will determine the most your gain.

Bitcoin is the right deal for long term investments, because history has shown consistent results along the years, while with altcoins the scenario is pretty unstable, as an outstanding altcoin today which is on top 10 rank of crypto market may fall considerable to top 50 or 100 positions after few years. Meanwhile, we have the assurance Bitcoin will be still performing on top 1, unbeaten by any of its pairs.

That is the comparison between Bitcoin and altcoins, but when we compare Bitcoin to fiat, the advantages for Bitcoin are even more impressive, as no fiat currencies show positive results on long term, as they are easily devalued by inflation. Even investments in fiat currency have shown negative profitability against inflation, therefore it should be completely avoided. If someone is willing to invest in something else besides Bitcoin, they should look for lands, properties or assets, but never fiat!

What you need to know is that all investments have risks and that cannot be avoided. For me, Bitcoin is still the best investment choice compared to real estate.

The difference is huge because real estate is not fungible, meaning if you choose poorly, you could end up in failure or a money hole. Unlike Bitcoin, it is fungible, meaning that one Bitcoin is the same as another Bitcoin in all respects. Real estate is the most visible asset you can own, so if the government wants to tax you more, they can raise property taxes. Worse yet, they could simply stop it.

To withstand this volatility and protect capital, any investor must have sufficient experience, risk management, and deal with technical and fundamental analyses to determine the correct time to buy and sell. Beginners who lack adequate experience and knowledge can keep fiat money until they gain enough experience and a good understanding of the market. Or that they initially invest an amount in Bitcoin that they can afford to lose, even if we assume $100, which is sufficient. There is no doubt that investing in cryptocurrencies, specifically Bitcoin, the most reliable currency on the market, is better than fiat money for many reasons, including the vast profits that any investor can reap in the long term. Even placing fiat money in banks or investing it in any business will be useless compared to Bitcoin returns, which have no limits and are significantly superior.

"To understand the crypto market and its volatility" is the most crucial factor. Knowing this would alert investors to the fact that not all crypto investments will be able to withstand the crypto market volatility and maintain a high price, as bitcoin does. Due to the volatile nature of crypto, several altcoins have vanished from the crypto market because of it 

Just being aware of this issue would let an investor distinguish between investments to make and those to avoid, particularly those involving altcoins.

Yes, I will. If it is to choose bitcoin over fiat. But if it is for altcoin over fiat, I will choose fiat instead of altcoin

The question is, will I choose Bitcoin over Fiat? The answer is yes, I will. Bitcoin halving happens every four years which normally result to a bull season for Bitcoin, if perhaps I have Fiat that I am full awear I am saving for the future and I am not going to need the money in the next four or five years, then I would rather hold in Bitcoin than Fiat, reason is that before that five years would be up the Fiat might have depreciated in value and inflation on the price of goods might have also spike, but if i hold the money in Bitcoin, I definitely will make profit and I can also exchang the Bitcoin to any Fiat I want that currently have good value and if I have a dollar or pounds bank account, I can as well deposit in any of the currency in exchange to, which I can further exchange in the bank to my local currency at a higher rate to my local currency.

Yes. And that's the reason why I am still here. Because if I don't like volatility and I have chosen fiat over it then there's not that much change at all.

That's how it should be when you invest in crypto because you understand that it is highly volatile and it's not going to be the same as fiat that don't have much move at all but quick in inflation increase rate.

But there are some investments in fiat that are also good, so why not take both sides so you understand both worlds of investing in crypto and fiat?

Bitcoin's fluctuates, huh? Certainly has its glory and gutters. Well said regarding the misinformation. And sAnd scams do exist, so the skepticism isn't unwarranted. But, oh man, many, including me, go from doubter to advocate

Your strategy for enlightenment, not coercion, is key. It's like giving a lost person a map - they may not take it, but it's worth trying, right? Ignorance promotes misinformation. Plant knowledge seeds and watch them grow with patience and sun

Suggestions? Continue talking, maybe share stories. There are stories about actual people turning crypto into real money, not simply data and stats. Have you noticed how people listen when money talks? Maybe they'll listen if we speak their language. Let's keep breaking myth and fact, fear and trust. Keep going

You’re on track actually, there is a need for a lot of experience honestly if you’re investing in crypto. But crypto investments pay more than fiat, I’ve been using Bitget Shark fin and it has been more beneficial than that of fiat.

I chose both of them because it was a good thing to do as it was too risky to just put our money solely into a single form of investment. But I put more on fiat investment over crypto even though we think that crypto investment is profitable because of its safety assurance. I don't save money in the banks either as I use them for investment, maybe just for now while still working on it and keep on growing.

Anyways, we have to choose the kind of investment that we have the knowledge and we think that we can manage it properly as this will be our assurance for success.

Same to you, I always stick to diversification method and I absolutely invest on both as long as I have my money to invest since both of them is doing good and every investment always comes with risk that's why it's better to not put all your eggs in one basket. When it comes to stability, I agree that fiat is far more stable than bitcoin.

Fiat is money issued by the government of a country that is used for everything in that country, so holding fiat is not an investment.  But crypto is a digital currency so investing here has a lot of potential.  I am definitely interested in investing in crypto and I have been involved and invested in crypto for a long time.  The value of fiat money is starting to decrease day by day against the dollar but even if the price of crypto goes down it recovers again and profit is possible from here so of course crypto is much better than fiat.

  To others who understand Bitcoin or cryptocurrency, most who have a deep and extensive knowledge of it actually profit from volatility; did you know that? I think you don't know that, and you are not aware of my opinion.

  But it cannot be denied that because of the volatility, many people are disappointed in Bitcoin because the market is too unpredictable, so many of their capital assets also end up in losses.

I am for crypto because if Am for fiat then I would go to bank but since I am not ? so I choose not just
 crypto but BITCOIN instead so be clarity and better to choose bitcoin on that top. and also sometimes I need to convert fiat for
 Bitcoin and now i am pure bitcoin investor(though I have a little in Bank for my other transactions as there are only few that
accepts crypto here) .

Bank investments are safe investments no doubt. They provide a small yet confirm returns over a period of time. So if someone wants this, then definitely they will go for FIAT investments. On the other hand, if someone wants to make good profits by taking sufficient risk, then he can go for crypto investments. If you ask me then definitely I will love to invest in cryptos, especially in Bitcoins. Here I have complete freedom of my own finance, and the scope to get better profits are available.

I have always stored millions in the bank since 10 years ago now and I can tell you that you won't make anything worth talking about leaving your money in the bank account, the truth that many people don't know is that those banks are also big investors too, they have access to peoples fund right? They can take them money out and invest in other things using money that doesn't belong to the bank.

They will make great income and you ain't going to get a dime out of it, this is what SBF did but he isn't running a bank anyway and he took things too far, I am not surprised that they fought so hard to bring him down because it's crypto exchange anyway, not a bank, if it's a bank we might never heard all about this but the war was on crypto in general.

I would rather have all my money in crypto and stocks, when Bitcoin makes a new all time high I will take some profits, even if it's just a 2x of my initial investment it's still something that the banks can't give you if you storing your funds in your bank account.

If I were in favor of fiat, I would not join this forum and I believe that everyone here would have the same thoughts as me. OP is asking about choosing between fiat and bitcoin on the bitcoin forum, I would be surprised if someone chose fiat and not bitcoin  ;D ;D. Both have their pros and cons, if someone doesn't want to take big risks and is willing to take low returns then they should stay with fiat currency in the bank. For those who like to take risks in search of greater rewards and want to avoid inflation, and change their lives...bitcoin is the choice. But there will also be some people who take advantage of both to optimize profits as well as ensure their safety.

Putting money in a bank is actually a bad idea if what we want is profit or to store the value of our assets. Bitcoin or stocks, assets like gold, real estate would be a much better choice. But putting all your money into bitcoin or stocks is also not a wise decision. You need to think about life's emergencies and what happens if you're in bear season, or the value of your portfolio is losing money. No matter what you say, in life we will still need fiat and banks, but we should not put all our assets into it, just enough, the rest should be invested in bitcoin.

You have a good idea regarding the fact that you don’t want to put all eggs in one basket. I love that but fiat stability is not really obtainable as before nowadays it’s depreciating instead of appreciating. I feel ingesting in crypto won’t be a bad idea.

I have no worries when I invest in Bitcoin, but I can't afford to risk my money by investing in altcoins or shitcoins, because fiat currency is way better than those altcoins and shitcoins.
However, a bank is not a good idea for one to save money because it is being controlled by people and it is not private. Why I like Bitcoin investment is because nobody can control it and you just have your privacy.
Privacy really matters in every investment, so if any investment doesn't keep your privacy, then the investment is not worthy of your money.

   Investing in cryptocurrencies can be exciting and potentially rewarding, but it comes with its own set of benefits and risks. It's essential to do your research and understand the market thoroughly. While fiat currencies are generally considered more stable, cryptocurrencies like Bitcoin and Ethereum have gained popularity due to their potential for high returns. I personally use Bitget, which is a user-friendly platform for trading various cryptocurrencies. However, I'd also recommend diversifying your investments and not putting all your eggs in one basket. It's a good idea to consult with financial experts and stay updated on the latest market trends before making any investment decisions.
    Cryptocurrencies have emerged as a major source of investor enthusiasm over the past decade, with some investors predicting that one or more tokens will eventually supersede fiat currency. Of course, if one or more digital currencies do end up making it in the real world in this way, it's likely that investors in the cryptocurrency will see great rewards for their early adoption. The question, then, is which digital currency is most likely to have a chance of this success outside of the relative niche crypto-enthusiast community. For me, that would be, Bitcoin.

OP, out for me lost but alternatively I think you mean to ask between having a fixed deposit that is to offer Monthly interests and Investing on crypto which is preferable.
If so, I think it is Worth debating because the both sides like to lean on time factors (patient).

Fixed deposit is one of a kind assets that is provided from the bank just as Bitcoin being one of a kind origin of crypto assets in a Blockchain.
A fixed deposit assets is such that involves a lower risk but may not be able tackle inflations hence, it's interest rates is depended on the period of time the fund is invested (deposited) and has some taxational charges with tendencies of low returns.
On fixed deposit investment, its investors is deprived from tempering the deposit fund and it is unwise engaging on investment that can not help to give your present solutions to your needs while you have some money out there alternatively, tempering your deposited fund in an amateur can compromise your assets value.

Bitcoin Investment is a one kind investment which its investors is in-charge to it all decision making except for its volatility which determines its appreciative or depreciative values.
In Bitcoin investments, one is accessed to place withdrawal of its fund and doesn't matter if it is a long-term or a short-term investment.
Bitcoin is potential to profer its Investors richness in an overnight and can also mess one up overnight but there is absolutely no tendencies getting it all lost that is barely the risk in Bitcoin investments but its investors high rates of demands has it the possibilities to higher rates in returns.
Bitcoin as a decentralized digital currency is simply reliable as an independent digital assets.

So with all  Dos and DON'Ts, I am relaxed with the crypto investment bit Bitcoin precisely because it has me a higher level of reliability and profitable in the space of crypto Blockchain.

Instead of investing on fiat, it is better to invest in gold and bitcoins, fiat is no longer trusted  and it's a tool used to manipulate the masses, it's value does not have a particular direction.
Though You have a good suggestion and it will be profitable if you invest a big sum of money in fiat to expect significant reward from it.

Banks give very little internet which is limited to 5-10% and besides the bank deducts income tax from that profit due to which the interest rate is further reduced but if you invest in crypto it is possible to make several times profit from it in a year.  So I think crypto is better than FIAT if one wants to invest.  But if one wants to make a safe investment and stay relaxed by investing and low interest rate is not a problem for him then he can keep money in the bank. Crypto is not for him. But we know that there is no gain without risk.  So if you want to invest, it will be better to invest in crypto with risk

Bitcoin till forever mate , never that I will choose banks over crypto specially as you mentioned there will be monthly interest ,have used banks for many years before learning Bitcoin I stopped engaging with banks not even use credit cards now as I am completely using either my monthly wages or my crypto holding .
but it is for Bitcoin alone and no altcoins or bs meme coin or shitcoins.

Let me correct you on something else you said, because cryptocurrency does not provide monthly interest for your savings in the crypto space. because it depends on our knowledge of what level of profit we can get here.

Yes, it's true that we also need to have enough knowledge here because I also agree with the volatility that cryptocurrencies have and believe that they have the potential to provide good profits in the future.

Your point is somehow true. Bank is centralized and it is a type of business of bank authority. And they invest the customer's money in different places and make profit and give a portion of that profit to their customer may be 5-10% which you mentioned. But from here 10-15% or more income tax is deducted by the government of different countries as per law. But in case of Bitcoin this freedom is available that there is no hassle of bad tax. And fund management can be done as per your wish. And the price of Bitcoin is increasing day by day so investing here can also get a lot of profit. But where you can keep your principal money stable in case of FIAT and earn a certain percentage rate of profit, you cannot keep your investment stable in case of Bitcoin. Investing in Bitcoin is very risky. But I totally agree with what you mentioned that one can never gain without taking risk. So if you want to achieve something big, you have to take risks

Very true and to add to your point, you don't invest in fiat, you save in fiat, that's the right concept. You can choose to either save your money in the form a fiat in the bank and get very small returns quarterly or annually or you can choose to invest actually invest your money in Bitcoin, I said Bitcoin because it has proven to so far be the safest cryptocurrency with the best framework to invest in.
But whichever you choose is strictly your decision but while you make that decision I'll leave you with two points to note. Choosing to save your money in fiat may look like the safest way to save your money but that's what the bank wants you to believe while in reality you're simply enriching the bank and risking your money, why do I say so? We all know that inflation is hitting globally in an unimaginable way, thereby affecting fiat in ways you can never imagine. Save $100 in your local bank today and come back to check on your money after 1 year, it's still the same $100 but inflation would make that same $100 depreciate in value, less valuable than it was 1 year ago, so how is that a safe investment? Never fall for that bank trick.

But if you choose to invest in Bitcoin today, check back after 1 year and you'll see what a wise choice you've made. Sure there may be periods where Bitcoin would experience crazy ass dips and if you're not sure of yourself you may take out your money and that's when you loose, but if you overlook the pressure of dip and leave your money there, then you'll reap the reward of your patience and for making the right choice. One rule of Bitcoin is, you loose when you take out your money, but if you don't take out your money, you'll always gain. So consider this points before choosing where to put in your money.

It is evident that the traditional investment approach invented by the banks and financial institutions are facing hard times and the crypto space is a major destination for the former banking investors (this is obvious as MicroStrategy and BlackRock are good examples of these investment firms) This shows a wave of new crypto investors and it further advices prospective investors on what direction to go.

If MicroStrategy was to mentor people on investing right now, you'll bank on their advice being the crypto way than the regular fiat way, and small investors are looking for where the big players are headed. I'll go with the Crypto investment anyday.

I will choose to invest in crypto (in Bitcoin specifically). However, gaining interest monthly is not that accurate in crypto since it depends on the status of the market and the coins that you're holding. But the potential to gain huge is always there especially if the coin that you buy is Bitcoin. It's true that an investors needs to understand what they are getting into before engaging themselves since Bitcoin is unpredictable and also associated with risk.

On the other side, I can't consider saving money in banks as an investment due to low interest. When it comes to fiat, I'd rather invest in gold than in banks.

I also used banks for several years and even until today. They have interest in offers for their services but you're earn measly from there.

That's a good strategy if you're not investing anymore to altcoins, meme coins or any shit coins. You're giving yourself a favor by doing that because you know that Bitcoin is coming to halving within the next months and then the price will shoot up after wards. As an investor, if the opportunity is on both ends, I'd do it honestly.

Banks have the most regulated investments I can ever imagine, it will not be out of place to still rely on them to invest but to look at crypto, be prepared for whatever comes as the volatility of the market is unimaginable. Only people open to such are degree of volatility should adventure into crypto investments

If I have to choose When investing only choose crypto or other form asset like stock. Fiat investment is great but nowadays with high inflation, I dont think is really great anymore. BRIC wants  to create their own money dollar is started losing so I think is not really the best option right now. But if you invest in crypto take profit when the bull market back to fiat and buying again at the bear market is fine.

Monthly crypto earnings not just come from holding onto your assets. There are agreements, much like how yield farming works on certain exchanges or well known wallet companies. Holding with the sole aim of profiting from the asset's price increase depends on market volatility. You'll profit when the market is on an upswing (bullish), but during a bear market, it won't yield any returns, and your assets may decrease in value.

Crypto investment is very dangerous for people who are weak at hodling. Occasionally FUD occurs and emotions are influenced which will have a negative impact on crypto asset holders. Therefore, regardless of whether it is good or bad to hold crypto assets rather than fiat in a bank, the answer is relative, depending on the person doing it and their risk profile.

Crypto investment still the favourable investment compared to fiat investment that will take some years before you can make little income which will not reach you to buy anything, but if you can invest in crypto when the price is low in the market and hold for long period of time, I think you will make something that will make you to value Bitcoin investment more than any other investment. Bullish season is the season many investors use to take income from their investment by supplying their coins to the market and sell to make huge amount of income that will reach them to solve any kind of issues they are facing in the society and save the remaining money against another bearish. It hard for you to invest in Bitcoin and regret in the future, because many investors has share their testimony here how they used little capital to start Bitcoin investment and became great in the community.

I invest in BTC with the aim of making a profit and of course investing for the long term and I also always take advantage of Bitcoin's fluctuations and volatility, namely by short-term investing in BTC and the goal is to make a profit and only sell when there is a profit.

I don't invest in fiat because what I know is that fiat is always subject to inflation, but of course I also need everything because I invested in BTC with the aim of getting fiat to reduce inflation and advance the economy by investing in BTC.

However, everything cannot be free from risk, so in this case business strategy must be prioritized.

When we deposit money in banks, in addition to low interest rates, we also face increasing inflation, which causes the value of our assets to decrease over time instead of remaining the same or increasing the value of our assets. Therefore, I have never considered depositing money in the bank as an investment but just as a savings for emergencies.

Investing in gold also offers significant returns but is still better than keeping money in the bank because it can keep the value of our assets from being eroded by inflation. After all, when compared to all, bitcoin is still the most potential investment.

That is if you know how much when to sell and how much when to buy that is also why others chooses FIAT as they hate volatility but if we are to choose and to decide? yes  Crypto is the best(actually the title better to called BITCOIN ng CRYPTO because we are in bitcoin section)
This is what we can say now after learning about cryptocurrency Bitcoin specifically and now we can compare against banks and yes best and better to save our investments.

I already have investment in crypto then I want to invest in crypto. By investing in crypto I think of investing in Bitcoin. I don't have much desire to invest in all other coins in the market or I don't have much confidence to invest in other coins which is why I always prefer bitcoin for investment. I have no doubt that Bitcoin is a reliable digital currency. In Bitcoin I can invest with confidence and when I invest I don't have to worry too much about that investment because I know that investing in Bitcoin will definitely give me something good. I have held my bitcoin investment for a long time and I have more plans to invest in bitcoin.

I am open-minded when it comes to money , the person who says that he would save his money in a bank I repeat it, but it is something that I do not share his Idea , because the bank is not going to give him the Reliability that the Bticoin gives, the bitcon just save it and forget that you have qbitcoin and if you wait more than 5 years it has a very great value, and of that I am sure because when bitcoin is with fiat, fiat has no life, fiat money is devaluable, the No bitcoin, no more with that condition, I have to do things very well with my bitcoin, it is what I need to be able to be well with everything I have, it is the best version and if Others do not Want to believe it, that is Already a Problem They.

   Saving in the bank has never been a profitable move, personally I have not seen anyone who as made profit while saving in the bank. Instead you will end up paying for VAT taxes and other taxes but that’s not the case with saving in bitcoin, bitcoin investment is profitable if you know what you’re doing and the interesting fact about the crypto technology is the privacy you have over your asset and of course it’s many benefits it’s brings to the economy, we have seen Bitcoin in it’s glory some years ago. And it’s not new what it might look in the future, the future of Bitcoin is bright hopefully the world will adopt the use of bitcoin, even if it’s hasn’t been an easy take on the government parts.
  Bitcoin will fight its way up because the masses are backing it up, with people gaining more interest in bitcoin and more awareness being created all over the world.  I believe in crypto,  I will rather invest in crypto that i have the knowledge in  than  fiat, the fiat currency is not  really my thing, I can’t risk my money over a group of individual decisions.

I would choose crypto investment any day any time base on the fact that investment in fiat wouldn't yield as much profit as crypto even with less input unlike fiat, in crypto you buy low when it price is in bearish run by buying bit by bit using DCA thereafter capitalize on it volatility during a bullish run or when  it price pump massively just like what we are experiencing now in the market, for instance last year December the price of Bitcoin was $15700 an investor who bought at that price would have earned a 100% profit now with a simple buy and hodl, an $100K investment would have yielded same amount or more that is one of the main reasons that would always prompt me to invest in crypto whatever amount of fiat in my disposal I would always exchange it to crypto for investment.

"hold your asset and still have the opportunity to save and make monthly interest?" I am not sure what you mean by this.  I would take holding money in your fiat bank versus keeping bitcoin money in your digital wallet (or physical) as essentially the same thing.  I think I would rather make my investments in FIAT however as it's more stable and more predictable.  Bitcoin I view as an entirely different thing.  I guess I need further explanation because this comparison doesn't really make sense..

Not crypto but bitcoin. I'd rather choose bitcoin over fiat, but if I had to decide between some shitcoin and fiat money, I'd rather take fiat. This reminds me of that funny video on youtube where a guy was asking random people if they would prefer to get $100 or 1 bitcoin and a bitcoin was more than $1k at the time (somewhere in 2017)and they all wanted cash.
If you approached me asking if I want $1k in cash or $1k in XRP or something, I'd take cash and buy bitcoin :)

Let's talk about a topic that interests a lot of people: would you rather invest in the world of CRIPTO or conventional FIAT currencies? To make an informed decision, I find it interesting to investigate both sides of the issue. I discovered an intriguing website today called https://boomchange.com (https://boomchange.com) where you may learn more and perhaps even make conclusions. Undoubtedly, cryptocurrencies have special prospects, but FIAT also offers advantages in terms of stability. Hearing about your opinions and experiences with this matter would be fantastic! Is there someone who is actively investing in cryptocurrency while others continue to use regular banking methods? Friends, voice your opinions!

Of course we are in cryptocurrency, and we will prefer to invest in crypto because we understand it. We can see that those who do not understand Bitcoin or cryptocurrency will prefer to invest in fiat because they do not know anything about cryptocurrency.

And we who are more understanding and know more prefer to invest in it because we know that it is an easier way for us to get a profit in cryptocurrency compared to Fiat, no matter what others tell me.

This is not a question but a financial mistake. I mean, why do you need a fiat in the first and what is that monthly interest rate you are talking about? Let me tell you something, USA which I respect so much because they are good in inflation management, perhaps their banking annually interest rates might favor people that save money in the bank but I'm not sure if that works in a country like mine because under a year, inflation might double that amount of interest the banks will give you in a savings account.

To sum it up, if you have a savings account, make sure you don't attach email, debit and credit card to them and also deactivate the sms alert system, not because they are not good but the charges bank will deduct from your savings money might be 2x the amount of annually interest rate they will give you at the end of the day, I hope you see that saving is verb complicated if you don't know how to use the system.

I will not force you but please buy bitcoin if you have the means but don't do it under stress, but it when you know you are fully prepared and ready for it, you will not regret every buying it provided that you buy at the bottom, don't buy at the top ;D

Based on my experience I'd choose cryptocurrencies because I did well in this field over the years and I know a thing or two about it.

This is a pointless question to be frank because most of us are already invested in crypto. It's like asking someone driving a car if he'd rather walk right now or keep driving :D

If you'd give me a million dollars now or a million in bitcoin I'd choose bitcoin, if that's what you're asking. I'd prefer bitcoin over stocks as well and my dedication proves it. Over the years I kept holding bitcoin instead of converting it to fiat money or anything else.

There is no such thing as a more profitable investment in cryptocurrency or fiat, I know very successful people who, with the help of fiat money, get much greater profits than those who deal with crypto.

With cryptocurrency it’s even more complicated, because you can’t count your profit if you only see numbers on the screen, it won’t be your profit until you withdraw it into cash, which you can hold in your hands. I know such successful investors in crypto who owned hundreds of thousands of dollars and ultimately withdrew only a few tens of thousands, all the rest of the profit was eaten up by the bear market.

I'm already making my investments mostly in crypto, around 80%. Simply because no one can take it away from me, and because BTC has huge potential.

This is a quite different investment comparison, Crypto has a high risk so it has a high risk too, it's quite worth it.
Meanwhile, Fiat tends to be stable, there is no risk that we face and there is no possibility that we will get it.
So it all depends on our goals, if the investment goal is to achieve big profits, of course it is better in Crypto, but that also requires all the knowledge that must be possessed to minimize risks.

This all comes back to the strategy we use, cryptocurrency market movements are quite fast so it is possible for everything to happen quickly, so regarding when is the time to withdraw profits and enter to buy back on ourselves and the knowledge we have, which is certain in the market Cryptocurrencies have a very high risk and it is outweighed by the possible rewards.

It simply does not make sense to invest in fiat currency for me. I live in a country where my local currency value was 78 BDT per USD about two years ago. Now it's 120 BDT against the USD, and I am afraid it will increase further. All my holdings are in Bitcoin at this moment, and I will accept the lose as well because it has the potential to give me 2x profit in the next couple of months.

I can cash this Bitcoin anytime and If I sell my converted USD for Local currency, I will likely get a better exchange rate because of the inflation. Things could be different in your country. But investing fiat is big NO NO from me.

It's not only about monthly interest and investments. We all have emergency cases in life and you can't pay for them with bitcoin. What if there is a car accident, you got an injury, need surgery or something emergency happens? We all prefer to have something stable and fiat is the best option in this case. To my mind, it's necessary to have some emergency funds in fiat.

If one can use fiat wisely and start a very profitable business instead of focusing on passive income, no doubt that will be a good choice but for passive income, crypto is the best option because it's still new, growing rapidly and there is the space for development for it. New and innovative things are the future.

It's true that American banks may provide reasonable interest rates, but those rates may not mean much in nations with high rates of inflation. You're being wise when it comes to the little fees associated with bank accounts, such as those that might quickly deplete your funds.

How about diversifying? Sure, put some money in a savings account, but think about setting aside some for cryptocurrencies like Bitcoin. In this approach, you strike a balance between the potential huge profits of cryptocurrency and the security of a bank. But keep in mind that with Bitcoin, timing matters. Purchasing low is important; purchasing high might be dangerous.

Indeed, investigate Bitcoin, but proceed with caution. Also, pay attention to those bank fees! You may be better off financially if you strike a balance between the two.

Significant gains are to be made in crypto, but when it comes to securing the money I'd choose fiat, crypto is too fragile to secure money, you could argue that BTC is secure, but securing it from hacks/scams is no easy feat. You could park portion of your wealth in BTC but not all, just couple days ago I read a story about a man who lost 20 something BTC in hack.

Thanks for your take on this, I’m sure everyone who has been in this crypto industry would definitely choose crypto over fiat once you’ve done your necessary research and you’ve reach a good understanding of what you’re about to invest on.

Base on your take, it’s important to understand that emotions such as greed, fear, confidence is very essential to take cognizance of as a crypto trader or investor. When volatility happens the fact that you’re scared can make you sell at loss. Also there is a need to have good entry strategy, you need to have a good understanding of the market to do that, you should equally make use of available tools at your disposal like DCA or you can use Bitget smart portfolio bot to automatically rebalance your assets.

This a good point and also other than just holding your crypto and waiting to have it rise up, you can also be making profit through saving where you can get APR interest of up to 7% just like the Bitget Sharkfin product.

People who earn income from crypto cannot easily stop investing in crypto. Crypto is a risky investment sector, but it is also an easy investment sector. A little curiosity also plays a big role in this situation because those who are curious about crypto usually see that their curiosity is met and they love crypto. This leads them to prefer crypto in general.

When investing, what you think is more important than what others say. You are right about that. If a person is knowledgeable, they can understand whether other people's opinions are right or wrong. We see the importance of being knowledgeable about this.

Choosing crypto as an investment choice brings many advantages but also risks. Bitcoin has a lot of pros and also, in the long run, Bitcoin investment has never made a loss.

That’s really Sad, anyways have 100% security depends on your choice of exchange. There are exchanges that ensure users asset security by taking extra measures and spending on the exchange security strength, for example Bitget and Binance, you won’t have issue using those two exchanges because of their good security measures.

Good insight, crypto investment has high yield potential indeed also you have to DYOR before taking any step to invest in crypto.

Honestly, I don't like both of them because there are too many risks, even though they can be minimized, the risks are still high even though I have followed both and made a profit, for long-term investments I don't like.

To be Frank the interest the bank can offer in an investment can't be compared to what one can gain from bitcoin. If you calculate the interest of the bank and couple to the lose value of the flat,  their is nothing reasonable that will be gained from the investment.  Despite the volatility in bitcoin are still consider bitcoin to be the best investment that can yield profit overtime. Investing in Bitcoin for long-term can give double of the capital as the profit.  

Volatility in bitcoin is doesn't affect investment,  instead it serves as opportunity for people to invest as to buy low they can afford.

Wake me in the middle of the night, and ask me this same question, I will tell you bitcoin all the way, whenever I make savings in my Bank account, I always wake up to see unnecessary dedications in the name of charges, and no matter how long the money is kept it will not yield interest, so rather than the money appreciating, it's deprecating.
 on like bitcoin that is volatile no doubt, but has a great tendency of increasing in interest value.
So I will rather save in bitcoin than fiat.