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Author Topic: Is it better to save money or invest it?  (Read 1181003 times)
jerol31 (OP)
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March 26, 2015, 12:25:04 PM
 #1

Is it better to save money in bank or invest it online, in real estate or maybe gold?
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March 26, 2015, 12:45:23 PM
 #2

better to invest in bitcoin, gold maybe more secure, but bitcoin has more potential to grow

saving money in the bank, will only mean losing them in the long-term with the current high inflation
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March 26, 2015, 12:55:39 PM
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Investment means giving the money to someone who uses it for their business and pays you back a dividend (and you normally get some kind of share that can be sold later). Think stocks.

"Save in bank" is actually a kind of investment. You give money to the bank, they use it for their business and give you a small interest (if at all) as dividend, and you can withdraw your money. With current interest rates, this is pretty boring, the only advantage compared to keeping money in a safe at home is that it's easier to do most types of payment, and that you don't need your own safe...

Buying precious metals is not an investment because those metals won't work with the money you paid for them. It's mostly speculation (you hope that you can sell it for a higher price) and safekeeping (real value of money can fall due to inflation, while precious metals will mostly retain their "real" value). But you need to consider storage fees.

To decide which is better you need to know what you consider "good".
Do you want to maximize your ROI? Do you want to store your wealth safely? Do you want to enable entrepreneurs to build their businesses?

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March 26, 2015, 01:51:40 PM
 #4

Is it better to save money in bank or invest it online, in real estate or maybe gold?

Save it on bank for sure !
Invest it online is the risky way to safe money

I going to invest it with gold and in real estate if I've more money.

Sometimes we can't predict all things that might be happen such as hacking or robbery incident. So at least we have prepare some of it
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March 26, 2015, 02:21:01 PM
 #5

It depends on where you are located. Saving your money in your bank is an easy option but not very lucrative.

In fact, I have read an article about banks who are going to charge negative interest rate on your savings account. Which is ridiculous of course.

I would choose for spreaded investments. Leave 70% of your money in your bank, and invest 15% in Bitcoin and the other 15% in something like a Bitcoin startup.
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March 26, 2015, 02:22:27 PM
 #6

You do know there are other ways to invest..  Not just bitcoin or gold, I'd suggest talking to a finical adviser about your investment options.
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March 26, 2015, 02:32:57 PM
 #7

You do know there are other ways to invest..  Not just bitcoin or gold, I'd suggest talking to a finical adviser about your investment options.
If you are content with low returns then it is probably best to save your money in a low interest account.  It will be insured and is 'safe'.
Gold is a solid investment, the price is quite low at the moment, it seems like a safe long term investment, not very fungible though.

Bitcoin is dangerous, you could lose most of your money quickly, you could also make lots of money. It is fungible, if you can handle the stress of big price swings, it is a good investment in my opinion.

I wouldn't put all my eggs in one basket.  I personally am long oil at the moment, I can ride out the overproduction dip, but it won't stay at $50-60 for long, I am willing to bet on that!
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March 26, 2015, 02:43:59 PM
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One of the better ways to invest money is to buy an ETF it is a bunch of stocks that you own a part of. They generally have a track record of growing 10% a year and they are considered safe investments.

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March 26, 2015, 03:29:46 PM
 #9

if some one has little to no experience with investing they are better off contacting some who knows exactly how everything works.
investing is risky which means if you invest it in the wrong industry or wrong in a wrong way you might end up with a huge loss.
EMIF
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March 26, 2015, 03:52:19 PM
 #10

In here there is a saying "Goods are earned from buying" . It means if you are a merchant and want to profit , you have to buy it cheap. If you buy something expensive , you can barely profit it or wait for a long time.

So, invest or save ? It totally depends on what you invest and your time.

If you want to invest real estate , -I believe- Its not a good time for investing. Since there is an economic crysis upcoming . May be in a few months real estate price will decrease sharply.
If you want to invest Bitcoin , -I believe- these prices are low enough to invest , If you dont need money in a near future , It can be a good investment. However if you need money in very short time , BTC price goes a little bit down and you lose your money. Soi saving your money in a bank is a good solution for short time needs.

To summarize,  If you have money and dont need in short period , -not and advice- , You can invest Bitcoin, not real estate. If you have money but need in a short time ,keep your monet in a bank.
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March 26, 2015, 04:02:51 PM
 #11

Is it better to save money in bank or invest it online, in real estate or maybe gold?

You should invest in what makes you comfortable both the amount and what you choose to invest in, don't let anyone tell you which is better that is for you to decide and if you can't then maybe you should not invest in anything. I have a dream of owning a nice amount of gold, and real estate but this is my personal opinion and hopes. Gold is the safest of course has held it's value for hundreds of years. Real estate is risky but it is yours and a place you call home? Priceless..

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March 26, 2015, 04:11:40 PM
 #12

Is it better to save money in bank or invest it online, in real estate or maybe gold?

Between bitcoin & real estate
Real estate, should be used to the situation and development in the country, especially in the city of your realm, real estate is a great option and promising. Land and house prices will not decline and instead tend to rise from year to year. That will go down as possible decline in interest rates on loans for housing and it usually will not be long, it will rise again.

As for online, with fast turnaround could say, bitcoin is a good choice. Buy at a low rate and selling when prices rise. Buy as much for maximum results.

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calme
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March 26, 2015, 04:35:26 PM
 #13

i hope this thread wasn't inspired by my post that said that most ppl aren't into investing yet are into saving money. b/c all i meant by "saving money" was getting discounts.
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March 26, 2015, 04:37:39 PM
Last edit: March 26, 2015, 06:05:33 PM by EvilPanda
 #14

Both. To invest you need to have some saved up and it's a bad idea to invest the money you're living on.
If you're really afraid of investing do yourself a favor and don't keep your savings in a bank. Buy a good safe or a piece of land that will work as both a store of value and an investment.

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March 26, 2015, 04:49:13 PM
 #15

i hope this thread wasn't inspired by my post that said that most ppl aren't into investing yet are into saving money. b/c all i meant by "saving money" was getting discounts.

This made me laugh talk about the world revolving around you aha. No i am sure it was inspired by the fact that he wants to know which is the better way to invest not a post by you.

I would go with investing in gold and bitcoin if you already own any real estate of course, you have the volatility of bitcoin that can give huge profit or losses so it is exciting and then save in your bank what you can't afford to lose and you should be good..
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March 26, 2015, 08:36:28 PM
 #16

invest is for people that they can loose.
save is for people that they have no reserve.

you can invest and loose or win.
you can save ... and you win always.
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March 26, 2015, 08:56:00 PM
 #17

Is it better to save money in bank or invest it online, in real estate or maybe gold?

i suppose a wise choice of  real-estate agency could be the best  choice. to invest in early stages and then sell estate in the end, invest again... passive income, good life, bali and goa twice a month
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March 27, 2015, 12:00:00 AM
 #18

Is it better to save money in bank or invest it online, in real estate or maybe gold?

There isn't a single answer. It depends on your age, your goals, the sum you're having, the liquidity you want... There's a million answers.

Interested in tips for perpetual traveling, nomadic lifestyle, and tax optimization? Subscribe to my Telegram channel.
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March 27, 2015, 12:21:41 AM
 #19

Is it better to save money in bank or invest it online, in real estate or maybe gold?
I say do both as well, save some of your money in the bank or some safe at home. Then invest the rest that you are wiling to risk or lose in the long run. Investing always entails risk while saving is not.
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March 27, 2015, 02:30:34 AM
 #20

better to invest in bitcoin, gold maybe more secure, but bitcoin has more potential to grow

saving money in the bank, will only mean losing them in the long-term with the current high inflation

I would think bitcoin operates under the same guise, if you look recently into bitcoin it gained fame becausse of how expensive it was (Like over 1000$) but now it has tanked way below that, because of the overabundance, and therefore a type of inflation.  I would think investing in something more physical would be worthwhile, instead of money type things.  Like a house, it may dip a lot but it will always come back up, you just have to be patient. 

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