How do you make money work for you with minimal risk?

[slapper]

Inflation-tax trap is just Level 1. Most stop there as they believe spreadsheets define optimization. I see it differently. It's actually about realizing your own behavior inside a culture under manipulation. Not only does inflation cause value to lose in money. It loses meaning when you don’t have a framework for what you actually want from life.

It's more about purposefully planning your life so you rely less on those earnings than it is on optimizing how much your money makes. That’s how the wealthy do it: ownership, not performance. Unless you are sitting on scalable assets or equity, most people consider passive income to be a fiction. Therefore, someone bought a business, or created digital leverage (something the tax code loves and the banks avoid) while you were comparing EPF to ELSS.

Minimize risk? Then detach from short-term dopamine loops like daily stock apps, compulsive tracking, and chasing “risk-adjusted returns” when you haven’t even clarified your timeline or endgame. Long-term wealth isn’t built from “safe picks” but from deeply intentional choices.

[asriloni]

What about Bitcoin? Based on the price history, Bitcoin always tripled or more from the previous ATH, so it's 3x with almost no risk (if we hold for a complete cycle).

Just because Bitcoin's price is always double or triple, and you called it has no risk involvived. Remember Bitcoin's volatility is the risk for its holder. Bitcoin still relatively new to be considered as commodity, and it has low valuation.

Once it reached its peak, and people buy it, then it goes down, people lose their money. There's no safe investment these days.  


OP, i often used T-bill, and do you miss it?

You have mentioned a lot of instruments, but very rare to find those instruments in crypto. The main stream instrument is often used in crypto is T-bill. It seems you're missing it.

[Marvell1]

What about Bitcoin? Based on the price history, Bitcoin always tripled or more from the previous ATH, so it's 3x with almost no risk (if we hold for a complete cycle).

I know we are bitcoin investors but we should give fair reviews and comments instead of bias because that can unintentionally harm others, especially those who are new and lack knowledge.

In all fairness, no investment is risk-free, the higher the return, the greater the risk and vice versa, no exceptions. Even investing in bitcoin is considered high risk as it is a relatively new asset, not yet globally recognized and has never experienced a major crisis...How can we be sure that this is a risk-free asset and investment?

[kotajikikox]

What about Bitcoin? Based on the price history, Bitcoin always tripled or more from the previous ATH, so it's 3x with almost no risk (if we hold for a complete cycle).

I know we are bitcoin investors but we should give fair reviews and comments instead of bias because that can unintentionally harm others, especially those who are new and lack knowledge.

We might be too enthusiastic about bitcoin, I get it. Bitcoin is amazing and for some people it changes their whole life so when they say it to other people it is possible that they exaggerate some of the things bitcoin can do.

In all fairness, no investment is risk-free, the higher the return, the greater the risk and vice versa, no exceptions. Even investing in bitcoin is considered high risk as it is a relatively new asset, not yet globally recognized and has never experienced a major crisis...How can we be sure that this is a risk-free asset and investment?

It is not we know that. The fact that not many governments recognize this as a legal currency is a risk of its own especially if your country is not that supportive of crypto.

[BlackBoss_]

We might be too enthusiastic about bitcoin, I get it. Bitcoin is amazing and for some people it changes their whole life so when they say it to other people it is possible that they exaggerate some of the things bitcoin can do.

Rather than let money works for me, I would like to convert my money (fiat currency) to bitcoin, then let Bitcoin works for me in my investment portfolio, and not in trading.

It is not we know that. The fact that not many governments recognize this as a legal currency is a risk of its own especially if your country is not that supportive of crypto.

Governments can consider Bitcoin legally but as a legal currency, legal tender, many nations have yet made it for Bitcoin. El Salvador is a first and only nation that has ever made Bitcoin legal tender but recent months they have to revoke Bitcoin legal tender status in their country practically.

Governments dislike Bitcoin and don't want to give Bitcoin rights to compete directly with their fiat currencies and CBDCs in the present and future.

[Oluwa-btc]

Being a reminder that cash is not good to be stored because it will not provide an increase in chances, it will decrease its value due to inflation.
This will be a long discussion for those who want to do it here because the discussion about inflation already exists and is still stored well in the economy board with the title Bitcoin Inflation vs.

A good way to make money work well is to invest. Of course, a clear investment and not fraud.

Investment,a valid investment.Every little money making motions needs investment and for me I feel like that's the only way to increasingly advanced more financially wise.
Generally, investments Is the best option and you can never go wrong with Investing and it's just investing but investing with low risks.You can learn and research about investments options for you to achieve the financial goal.

[harapan]

What’s left is going to make money work for you.
Each has their own risk.
Example; Tax free long term FDs, NPS,ELSS,EPF,PPF bonds are safer but lower return.
Index MFs,Bluechips stocks,ETFs, give better return with higher risk.Derivatives,smallcaps etc are still riskier but can give spectacular returns if you’re lucky, or lose all your money if not.

You need to pick what works for you.

Good hints though and you can't neglect the risks that comes with it but then you can make money work for you in different category and aspects, the thing is knowing what best works well for you and going into it. You can tend to go into long term investment be it Bitcoin that way you can diversify your profits thereof, another is going into a full time business that overtime you will generate lots of money and you can sit at your comfort and getting your funds in your account, there are so many ways but you need to get an understanding about the one that will best suit your preference.

[Free Market Capitalist]

Thank you for the insight, Berryfolia. We could summarize it by saying that the higher the risk, the higher the potential gain too (and viceversa).

This is generally the case, but with nuances. If we consider the long term, investing by doing DCA in the S&P 500 has been a fairly safe way to beat inflation with little risk, but only if we consider time periods of at least a decade. However, investing in the stock market has been traditionally catalogued as risky.

On the other hand, having money in a bank deposit or savings account, which are investments that are considered “safe” are rather sure ways to lose purchasing power due to inflation. If the deposit gives you 2%, it is normal that the official inflation will be 3% and if we take into account what is called currency debasement or real inflation, it will be more like 7%.

[Stella Mese]

Good hints though and you can't neglect the risks that comes with it but then you can make money work for you in different category and aspects, the thing is knowing what best works well for you and going into it. You can tend to go into long term investment be it Bitcoin that way you can diversify your profits thereof, another is going into a full time business that overtime you will generate lots of money and you can sit at your comfort and getting your funds in your account, there are so many ways but you need to get an understanding about the one that will best suit your preference.

Of course there are many ways to make money, of course initial capital is needed when starting it, of course with the right investment choices will make a lot of money, but I think insight also needs to be broad to support the success obtained, such as investing in bitcoin is very good to do but it takes courage to enter it, sometimes we can choose investments depending on comfort when doing it.