Is it better to save money or invest it?

[anonyymi]

Invest in stocks! And here's some reasons why i prefer stocks:
-There's a bunch of people working their asses off for the company to make profit.
-Historical statistics show that their average long-term trend is always up. Sure some heavy crashes on markets happen from time to time, but they will eventually always reach new all-time high.
-Stocks are way more profitable investment than bonds or gold.
-I like to take risks where the odds are on my side.
-Inflationary economy is generally good for companies.
-Stocks produce passive income (dividends), which means I don't have to sell anything to get some money out.

[Joint Force]

Invest in stocks! And here's some reasons why i prefer stocks:
-There's a bunch of people working their asses off for the company to make profit.
-Historical statistics show that their average long-term trend is always up. Sure some heavy crashes on markets happen from time to time, but they will eventually always reach new all-time high.
-Stocks are way more profitable investment than bonds or gold.
-I like to take risks where the odds are on my side.
-Inflationary economy is generally good for companies.
-Stocks produce passive income (dividends), which means I don't have to sell anything to get some money out.

I'm starting to think DAOs could be the new form of a "company".

DAOs = real people working
DAOs = many are looking at producing dividends

Improvements over a traditional company:

DAOs = No huge salaries/no 1% -> No need for a Boss, Owner, CEO or Big Shot Investor. Technology can now handle this role through decentralized organization.
DAOs = Pay employees with cryptocoins (can be seen as DAO shares). This allows for quality employees to be employed at less than foreign minimum wage standards.

The only traditional companies that will be sustainable will be those with trade secrets/patents/quality loyal employees



Thus, DAOs are one of the best investments in the world right now.

[deluxeCITY]

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

I think that will come down to the person in most cases, does the person like to take a risk, do they like to save? What is good and better for me maybe bad and worse for you!

I save as much as i feel i need in case of a worst case scenario and the rest i invest online at the moment hopefully one day all that risk and work will bring enough reward so i can buy a nice bit of real estate and bagful of gold.

Still early days.

[D05GTO]

Best to have no debt and invest what you can afford to lose.  Nothing is guaranteed and has some risk.   Personally, I've been investing where I can in bitcoin/crypto related startups.   Latest one is Banx Capital.  http://banxcapital.com/   They pay dividends on the company earnings.  Working out well so far.

[dhimasnk]

It certainly invest. If you save money, it will be exposed to inflation. If you invest the money you will be safe from inflation but the advantages of investing should be greater than inflation.

[asuryan180]

It certainly invest. If you save money, it will be exposed to inflation. If you invest the money you will be safe from inflation but the advantages of investing should be greater than inflation.

This is right and how you should approach the investment v saving question, i personally however bad it sounds have nothing saved i hope to have some in future but at the moment we are talking a few hundred  but i have some investments plus i have bitcoin what could be viewed as savings as well as an investment.

[twn]

definetly investment. saving in a long time period means lost.

[Dotakels]

If you save your money will not have a profit it has 0% interest but it will be useful to when you don't have a money or there are a emergencies and if you invest your money, you invest it in a company that have a compound interest, because compound interest make a big profit its bigger than a simple interest and also make a business that give you another income.

[Amph]

If you save your money will not have a profit it has 0% interest but it will be useful to when you don't have a money or there are a emergencies and if you invest your money, you invest it in a company that have a compound interest, because compound interest make a big profit its bigger than a simple interest and also make a business that give you another income.

this is the reason why one should invest 50% only and keep the other 50%, for problems that may occur in your life(actually it's guaranted that they will occur), with the other 50% you can invest in something worth it , like bitcoin, earthly properties ecc...

[GreenStox]

If you save your money will not have a profit it has 0% interest but it will be useful to when you don't have a money or there are a emergencies and if you invest your money, you invest it in a company that have a compound interest, because compound interest make a big profit its bigger than a simple interest and also make a business that give you another income.

In the fiat economy thats 100% true. If you put 100$ always away from every salary under your pillow after 20 years you will find less there than you put, because the invisible thief called inflation has robbed you every night.

And since this invisible thief is the tool of the central banks printing money out of thin air, you can blame it on them.

You could only save money in a deflationary market like bitoin, if succeeds.

With investment you will get guaranteed returns, with guaranteed risks, so it depends on your skills really and risk appetite.

[Dotakels]

If you save your money will not have a profit it has 0% interest but it will be useful to when you don't have a money or there are a emergencies and if you invest your money, you invest it in a company that have a compound interest, because compound interest make a big profit its bigger than a simple interest and also make a business that give you another income.

In the fiat economy thats 100% true. If you put 100$ always away from every salary under your pillow after 20 years you will find less there than you put, because the invisible thief called inflation has robbed you every night.

And since this invisible thief is the tool of the central banks printing money out of thin air, you can blame it on them.

You could only save money in a deflationary market like bitoin, if succeeds.

With investment you will get guaranteed returns, with guaranteed risks, so it depends on your skills really and risk appetite.

This post is right. The inflation is the greatest enemy of employees because its steal the salary of employees by getting high the price of the goods and your salary must higher than the inflation rate of your country so you can save or invest.

If you save your money will not have a profit it has 0% interest but it will be useful to when you don't have a money or there are a emergencies and if you invest your money, you invest it in a company that have a compound interest, because compound interest make a big profit its bigger than a simple interest and also make a business that give you another income.

this is the reason why one should invest 50% only and keep the other 50%, for problems that may occur in your life(actually it's guaranted that they will occur), with the other 50% you can invest in something worth it , like bitcoin, earthly properties ecc...

That what i means. Save or invest? both are useful its up to you what you are going to do. You can also both save and invest, but remember its better to invest than savings .

[GreenStox]

This post is right. The inflation is the greatest enemy of employees people on fixed income because its steal the ...

I fixed it. Yes its true, because the capitalist doesnt adjust wages for inflation, but the inflation still eats away the money of the employee. And both the capitalist and the worker is fooled by it, while the crooked shady central bankers laught with a nasty voice about it.

Its not just employees, basically all fixed income people: pension, welfare, etc.

So the whole socialist system designed to help the poor is actually hurting the poor the most because the inflation that an average consumer gets hurts it much more than anyone else, and neither the welfare, nor the minimum wage (which will cause capitalists to kick out crappy workers, thuse increasing unemployment).

But blame democracy, since its all a bribery system, politicians always need to promise more to stay in office, and those promises cant materialize from taxes, so the whole central bank mechanism is a direct consequence of democracy. And eventually all democracies will end up socialists.

Just look at Europe and USA.

[Dotakels]

But blame democracy, since its all a bribery system, politicians always need to promise....

[/quote]

Why you blaming the democracy? theres any reason why we should blame democracy? if your country is not democracy or they a communist? or a monarchy ? do you think you can access to the internet? so dont blame the democracy it gives you a freedom to say your opinion.

[gkv9]

If you are interested in owning something physical (tangible) things, then Gold and real estate is better and if you are interested in going Virtual (intangible), then I think that nothing might be promising than Bitcoins...

[Powerpuff]

Saving money in bank is an investment and I think it is much safer than any other online investment schemes.

[GreenStox]

Why you blaming the democracy? theres any reason why we should blame democracy? if your country is not democracy or they a communist? or a monarchy ? do you think you can access to the internet? so dont blame the democracy it gives you a freedom to say your opinion.

My country is democracy, and i see democracy as another failed system. Monarchy or other tyrrany forms are also a joke and much worse.

The problem with democracy is that lying politicians need to promise more and more to stay in office, which inherently ends up with huge national debts (everywhere around the world):
http://www.nationaldebtclocks.org/

About 90% of countries are democracy and we see that they are all near the brink of destruction by debt.

And since the debt eats away all poor income people's wealth, through the inflation, every single democracy will become socialism, eventually!

And you can see that in realtime in the EU, and USA, massive leftist welfare states, which is horrible.

I`m advocating freedom, democracy is just another form of tyrrany like the rest of it...

[NeuroticFish]

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

Best is to inform yourself much better and take a decision by yourself, not just ask (unknown) people what to do.

Bank is usually insured and also under 100k euro (in Europe), maybe other amounts in other areas are safe by law. Under that amount you will never lose your money if the bank (a private business, as you know) will fail. Just putting on the bank you'll get no gains.

Investment - there are a lot of ways to invest, some are safer, some are .. "bolder"; some get lower profit, some get higher profit. Depending on how much money you have and what risks you afford to take ... you have to make a decision for yourself.
Investing in bitcoin is rather risky. But if you know what you are doing, you have a good potential for win. After all, some people bought bitcoin at 1000$ and made profit (sold at 1200), so it is possible.

My country is democracy, and i see democracy as another failed system. Monarchy or other tyrrany forms are also a joke and much worse.

I also agree. Democracy is a failure. Something better needs to be invented.

[Amph]

Saving money in bank is an investment and I think it is much safer than any other online investment schemes.

ahah no, save money in banks, it's pretty useless nowadays, bank will use to do their shitty investment, also interest is very low, in most case(practically all)it is not worth it, to lock your money for one year

to this add the fractional reserve, and we are done, personally i'll never deposit any money on any bank, they are the worst thieves, in this world

the only bank that i know is my QT-Core client

[Dotakels]

Saving money in bank is an investment and I think it is much safer than any other online investment schemes.

ahah no, save money in banks, it's pretty useless nowadays, bank will use to do their shitty investment, also interest is very low, in most case(practically all)it is not worth it, to lock your money for one year

to this add the fractional reserve, and we are done, personally i'll never deposit any money on any bank, they are the worst thieves, in this world

the only bank that i know is my QT-Core client

Even if there a risk in investment you will gain a big profit and you can be rich in investment and if you invest to the company choose the company that have a compound interest because profit of the compound interest is better than or bigger than simple interest.
Banking is a 0% interest so you would not have a profit.
And it is up to you what is you choice.

[bisom]

Investing in real estate is the most secure way of getting profit in long term.
In short term trading with bitcoin get high profit.
I think saving money in a bank is the worst thing that can do.