Is it better to save money or invest it?

[maku]

Do both.

Invest 50% and save 50% (will change depending on your risk profile).

Saving more than 20% of your income is just wasting your money's potential to earn. You may do it, of course that is your choice, but you will be better with investing it, inflation of FIAT money are gonna eventually eat some of your savings away, depends on what currency you are using sooner or later. Check out this tool. It will help you calclutate your loss if you keep your money without investing: http://www.usinflationcalculator.com/

[GreenStox]

Do both.

Invest 50% and save 50% (will change depending on your risk profile).

Saving more than 20% of your income is just wasting your money's potential to earn. You may do it, of course that is your choice, but you will be better with investing it, inflation of FIAT money are gonna eventually eat some of your savings away, depends on what currency you are using sooner or later. Check out this tool. It will help you calclutate your loss if you keep your money without investing: http://www.usinflationcalculator.com/

Well idnt but for me "saving" and "investing" is equivalent isnt it?

You cant just save it by putting money under your pillow, because the central bank thieves will steal it with inflation, so definitely investing is saving your money from those thieves.

[dothebeats]

Do both.

Invest 50% and save 50% (will change depending on your risk profile).

Saving more than 20% of your income is just wasting your money's potential to earn. You may do it, of course that is your choice, but you will be better with investing it, inflation of FIAT money are gonna eventually eat some of your savings away, depends on what currency you are using sooner or later. Check out this tool. It will help you calclutate your loss if you keep your money without investing: http://www.usinflationcalculator.com/

Well idnt but for me "saving" and "investing" is equivalent isnt it?

You cant just save it by putting money under your pillow, because the central bank thieves will steal it with inflation, so definitely investing is saving your money from those thieves.

But sometimes, investing your money may result to a loss, which is against the purpose of "saving" it from any other entities. Saving really helps, be it hiding the money under a pillow, a closet, or even putting it in a bank (which sometimes yield a small percentage gain) because you can get it from there in case an emergency situation happens. On the other hand, if you invested your money in a certain business, a period of time should take place first before you can get your investment in that particular business, because you cannot simply give them money and withdraw it whenever you like.

[GreenStox]

But sometimes, investing your money may result to a loss, which is against the purpose of "saving" it from any other entities. Saving really helps, be it hiding the money under a pillow, a closet, or even putting it in a bank (which sometimes yield a small percentage gain) because you can get it from there in case an emergency situation happens. On the other hand, if you invested your money in a certain business, a period of time should take place first before you can get your investment in that particular business, because you cannot simply give them money and withdraw it whenever you like.

If you area  good investor then most of the times you wont lose, or you gain more than lose eventually.

It's all about risk control, no pain, no gain lol.

[Dotakels]

But sometimes, investing your money may result to a loss, which is against the purpose of "saving" it from any other entities. Saving really helps, be it hiding the money under a pillow, a closet, or even putting it in a bank (which sometimes yield a small percentage gain) because you can get it from there in case an emergency situation happens. On the other hand, if you invested your money in a certain business, a period of time should take place first before you can get your investment in that particular business, because you cannot simply give them money and withdraw it whenever you like.

If you area  good investor then most of the times you wont lose, or you gain more than lose eventually.

It's all about risk control, no pain, no gain lol.

Investing is a gambling so maybe you will loss or win but if you have a experienced on  investimg you would not loss and you can earn a lot of money by investing.

[deluxeCITY]

But sometimes, investing your money may result to a loss, which is against the purpose of "saving" it from any other entities. Saving really helps, be it hiding the money under a pillow, a closet, or even putting it in a bank (which sometimes yield a small percentage gain) because you can get it from there in case an emergency situation happens. On the other hand, if you invested your money in a certain business, a period of time should take place first before you can get your investment in that particular business, because you cannot simply give them money and withdraw it whenever you like.

If you area  good investor then most of the times you wont lose, or you gain more than lose eventually.

It's all about risk control, no pain, no gain lol.

Investing is a gambling so maybe you will loss or win but if you have a experienced on  investimg you would not loss and you can earn a lot of money by investing.

This is not true friend even the best investors lose money on investments god knows i have. No i am not the best of investors but the majority of mine have come threw to profit thankfully. A few of the alt coin investments turned out bad but a few more turned out great same with bitcoin.

Gambling is not investing but most investing is taking a gamble go figure.

OP, i would advise against saving in banks, i would invest in gold what you thought about saving in the bank and i would invest the rest online and real estate then whatever happens you always have something. 'never hold all your eggs in one basket'

I say this because this is what i do and i have fun  

[megamore]

Its easy..
If you don't like to take risks, you can save your money
If you like a challenge, want to make a profit, know the risks, so you can invest your money  

[Mehek]

invest as much as u can just save 10 to 20 % this is the time to invest

[BIT-Sharon]

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.

I agree with your opinion. The rates for saving and investment depends on the amount of money you have, the economy policy in your  country, and the area you mean to invest.

[dothebeats]

But sometimes, investing your money may result to a loss, which is against the purpose of "saving" it from any other entities. Saving really helps, be it hiding the money under a pillow, a closet, or even putting it in a bank (which sometimes yield a small percentage gain) because you can get it from there in case an emergency situation happens. On the other hand, if you invested your money in a certain business, a period of time should take place first before you can get your investment in that particular business, because you cannot simply give them money and withdraw it whenever you like.

If you area  good investor then most of the times you wont lose, or you gain more than lose eventually.

It's all about risk control, no pain, no gain lol.

Investing is a gambling so maybe you will loss or win but if you have a experienced on  investimg you would not loss and you can earn a lot of money by investing.

Certainly not true. Even the most experienced investors sometimes face losses and failures. There are a lot of things that could happen along the way if you invested  your money, so if you invested in on a well-known company, don't be 100% sure that you'll make a profit. There are always hurdles along the way, even in the paths of the most successful investors.

[qiwoman2]

You need to have a mixed portfolio from minimal to high risk investment/savings..around 55 max should be in high risk investing whilst the rest should be in a broad spectrum from very low to everything in between. Without compounding some of your savings over the long term fiat depreciates in value as housing and other main structures soar in price in most capital cities etc. Have some in the bank but invest the rest in a mixed portfolio of fixed and liquid assets would be the best bet I reckon.

[Dotakels]

But sometimes, investing your money may result to a loss, which is against the purpose of "saving" it from any other entities. Saving really helps, be it hiding the money under a pillow, a closet, or even putting it in a bank (which sometimes yield a small percentage gain) because you can get it from there in case an emergency situation happens. On the other hand, if you invested your money in a certain business, a period of time should take place first before you can get your investment in that particular business, because you cannot simply give them money and withdraw it whenever you like.

If you area  good investor then most of the times you wont lose, or you gain more than lose eventually.

It's all about risk control, no pain, no gain lol.

Investing is a gambling so maybe you will loss or win but if you have a experienced on  investimg you would not loss and you can earn a lot of money by investing.

Certainly not true. Even the most experienced investors sometimes face losses and failures. There are a lot of things that could happen along the way if you invested  your money, so if you invested in on a well-known company, don't be 100% sure that you'll make a profit. There are always hurdles along the way, even in the paths of the most successful investors.

My point is that company that you have been invest is well known and trusted. You can say that your money is safe because the company that you invest is successful and a fame company. So there will no doubts in that company . You will assured that your money can earn a profits. Even if theres a risk but it cannot destroyed or failed the company that you invest because is known as well and a good company.

[oblivi]

You need to have a mixed portfolio from minimal to high risk investment/savings..around 55 max should be in high risk investing whilst the rest should be in a broad spectrum from very low to everything in between. Without compounding some of your savings over the long term fiat depreciates in value as housing and other main structures soar in price in most capital cities etc. Have some in the bank but invest the rest in a mixed portfolio of fixed and liquid assets would be the best bet I reckon.

55% in high risk is way too much for someone that has a family, or even more if there are debts in the situation.

For a single person without responsibilities it sounds great tho.

[yayayo]

It's wrong to draw an arbitrary distinction between "saving" and "investing", because in reality there is none: All "saving" is "investing" and vice versa. If you hand out the money to a bank, they will invest it at your behalf - ideally paying you a small portion of the real return.

In my opinion any alternative investment is better than leaving money at the bank, because in the latter case loss through inflation is guaranteed and loss through state / bank default is likely. Even holding the money as cash is better than leaving it at the bank, because at least it remains always accessible.

Obviously, investing some funds in Bitcoin is a must.

ya.ya.yo!

[Sithara007]

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

Investment is a kind of savings. If you are doing savings then you can not keep it in the cash form with you. You will have to invest it in Fixed deposit, Real state, gold or shares, etc.

[Dotakels]

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

Investment is a kind of savings. If you are doing savings then you can not keep it in the cash form with you. You will have to invest it in Fixed deposit, Real state, gold or shares, etc.

Investment is a kind of savings I disagree with that because, investing have a risk that your money would be lost or earn a profits. Also investing take too much time than saving. Saving takes 3-5 years before you stop to save (it depends on your salary every month) but in investing takes 10-15 years depends on the contract and the company (you wouldn't assure that your money can earn or will be lost its) its 50%-50%. And f you invest you can earn more profits by using the compound interest it can earn more profit as years passes by than simple interest.

[JayCoDon]

When you are saving, what you are looking for is the ability to access your cash very quickly. You are putting your liquid cash into an iron box and telling the bank that they are welcome to use that money to lend it to other people, they can pay you for that right, but you better have that money when you want it.

Investing is quite different. Investing is taking that money and putting it into something--stock, assets, real estate, etc.--that are meant to produce some amount of return. You are losing your right to instant access to your cash, but the returns are greater. In many ways, saving can be considered investing because you are getting something back, but the returns are so paltry and it never matches inflation. That's why people suggest you keep money in a rainy day fund, but then invest the rest. It takes money to make money.

[Dotakels]

Investing is quite different. Investing is taking that money and putting it into something--stock, assets, real estate, etc.--that are meant to produce some amount of return. You are losing your right to instant access to your cash, but the returns are greater. In many ways, saving can be considered investing because you are getting something back, but the returns are so paltry and it never matches inflation. That's why people suggest you keep money in a rainy day fund, but then invest the rest. It takes money to make money.
[/quote]
They are different. There are few things that they have the same but not really the same. Because savings is only to keep your money to spend and investing is putting your money in business and you wouldn't know what will happened to your money if it is earn a profit or it can lost (not literally ).

[lucullus]

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!

Long oil sounds solid

[SirChiko]

invest as much as u can just save 10 to 20 % this is the time to invest

Did you read the whole op? He is asking what he should invest it and you podt some random msg (probably meaning btc).
I also agree stocks are quite safe investment for start.
Don't invest more than you can afford to loose that's the rule.