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Author Topic: Is it better to save money or invest it?  (Read 1181159 times)
phaddie
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April 10, 2017, 12:01:08 PM
 #9201

I think depends of our needs, saving and investing is same priority, we can't investing if we don't have more money, but we must impose investment to guarantee future day.

If you don't have money to invest then better to start your journey with saving money and that is the reason saving is very important in primary stage as without saving money you would be never able to invest your money in future.
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April 10, 2017, 01:20:43 PM
 #9202

I think depends of our needs, saving and investing is same priority, we can't investing if we don't have more money, but we must impose investment to guarantee future day.

If you don't have money to invest then better to start your journey with saving money and that is the reason saving is very important in primary stage as without saving money you would be never able to invest your money in future.
That is always the first step, we have to follow the basic principle which is to invest only what we can afford to lose and if we do have a savings then it would be very risky for us because we might take a loan just to invest. Knowing that investment does not guarantee profit, we are in the hot water when the outcome is not what we want to see.

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April 10, 2017, 01:26:01 PM
 #9203

I think depends of our needs, saving and investing is same priority, we can't investing if we don't have more money, but we must impose investment to guarantee future day.

If you don't have money to invest then better to start your journey with saving money and that is the reason saving is very important in primary stage as without saving money you would be never able to invest your money in future.
That is always the first step, we have to follow the basic principle which is to invest only what we can afford to lose and if we do have a savings then it would be very risky for us because we might take a loan just to invest. Knowing that investment does not guarantee profit, we are in the hot water when the outcome is not what we want to see.

I don't see any point in taking a loan for making an investment as if investment fails then we loose our money and at the same time the repayment of loan and interest will keep on following us so the best thing would be to save money first and invest your own money instead of going for loan.
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April 10, 2017, 02:28:20 PM
 #9204

I think depends of our needs, saving and investing is same priority, we can't investing if we don't have more money, but we must impose investment to guarantee future day.

If you don't have money to invest then better to start your journey with saving money and that is the reason saving is very important in primary stage as without saving money you would be never able to invest your money in future.
That is always the first step, we have to follow the basic principle which is to invest only what we can afford to lose and if we do have a savings then it would be very risky for us because we might take a loan just to invest. Knowing that investment does not guarantee profit, we are in the hot water when the outcome is not what we want to see.

I don't see any point in taking a loan for making an investment as if investment fails then we loose our money and at the same time the repayment of loan and interest will keep on following us so the best thing would be to save money first and invest your own money instead of going for loan.

Well that's why you have to first make sure that you're ready when you decide to invest in something. For me its ok to loan if you don't have any capital as long as you've really studied about where you're going to invest your money on. It would be worth it when you're receving returns already.

 
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April 10, 2017, 02:42:49 PM
 #9205

I think depends of our needs, saving and investing is same priority, we can't investing if we don't have more money, but we must impose investment to guarantee future day.

If you don't have money to invest then better to start your journey with saving money and that is the reason saving is very important in primary stage as without saving money you would be never able to invest your money in future.
That is always the first step, we have to follow the basic principle which is to invest only what we can afford to lose and if we do have a savings then it would be very risky for us because we might take a loan just to invest. Knowing that investment does not guarantee profit, we are in the hot water when the outcome is not what we want to see.

I don't see any point in taking a loan for making an investment as if investment fails then we loose our money and at the same time the repayment of loan and interest will keep on following us so the best thing would be to save money first and invest your own money instead of going for loan.
if you don't have any assurance with the business or with the investment which you will use your loan money it can be another problem just like what you have said paying that loan will be another additional problem for us but if you do have concrete assurance that the investment where you will place your money will bring you profits making some loan as a beginning will help you too.

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April 10, 2017, 02:47:22 PM
 #9206

By investing and making profit you are actualy saving fo the future, so basicly this could be the same thing. Of course there is always the risk to lose something of your funds with bad investment but if you play smart there is still good chance to end with profit at the end.

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April 10, 2017, 03:31:39 PM
 #9207

By investing and making profit you are actualy saving fo the future, so basicly this could be the same thing. Of course there is always the risk to lose something of your funds with bad investment but if you play smart there is still good chance to end with profit at the end.
It's not guaranteed that you could actually save because some of the people that experience having money would likely to spend it already rather than keeping it for future purposes. Better research before investing. You save to invest, that's the basic rule.

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April 10, 2017, 03:48:04 PM
 #9208

By investing and making profit you are actualy saving fo the future, so basicly this could be the same thing. Of course there is always the risk to lose something of your funds with bad investment but if you play smart there is still good chance to end with profit at the end.
It's not guaranteed that you could actually save because some of the people that experience having money would likely to spend it already rather than keeping it for future purposes. Better research before investing. You save to invest, that's the basic rule.
Well not all people that has money would not save them since it all depends on the needs of the certain person. But just as you said, not all people can save money since we're being attracted by our wants just like me. I rather spend them than invest them since I'm impatient.

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April 10, 2017, 04:24:51 PM
 #9209

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

I believe it's wise to spread the investments so you can invest in Bitcoin online and also buy physical gold and save them. No matter what happens one can save the other and yo know both investments have a bright prospecting future ahead.
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April 10, 2017, 04:32:07 PM
 #9210

save and diversify. Investment is always better option protect against inflation
 
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April 10, 2017, 11:52:54 PM
Last edit: April 11, 2017, 12:07:50 AM by bncbnc
 #9211

I suggest to invest the 50% of your money and the other half is save it. If you want to increase the amount of your money then invest it. There are prons and cons of holding your bitcoin and we know that the value of bitcoin is now unstable so we don't know when it is increase or decrease.
but i will suggest  to invest 80 % of your assets in bitcoin, while the rest of the 20% should be kept for emergency which you can use and do not nee to take loan from banks or even from your friends.

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April 11, 2017, 12:28:21 AM
 #9212

I would recommend to do both. If you save money on the bank, your deposits will earn interest every year. If you are going to invest, try to buy things that its value will increase over time. For example if you can afford a house or land try to buy it because just a few years you can sell twice as much as you invested.
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April 11, 2017, 12:37:32 AM
 #9213

I suggest to invest the 50% of your money and the other half is save it. If you want to increase the amount of your money then invest it. There are prons and cons of holding your bitcoin and we know that the value of bitcoin is now unstable so we don't know when it is increase or decrease.
but i will suggest  to invest 80 % of your assets in bitcoin, while the rest of the 20% should be kept for emergency which you can use and do not nee to take loan from banks or even from your friends.

for me, i think is i have free money, i will split that money like 40% for my assets in bitcoin, 40% for another investment like buying gold, and the rest is for emergency thing that i should have. i think its not good idea to save all of our money in bitcoin only because btc price is always increase, but we need to spread our money into many things investment so in future, we can see that each of our investment is growth and we can make big money.

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April 11, 2017, 12:38:13 AM
 #9214

Some people say that putting all the eggs within a single basket is wrong. I disagree with that statement only because it depends on what the basket or investment is.
There could be a investment that keeps going up 500% each day, investing little by little is going to be tough because there would be more stress involved instead of just going all in and let the investment ride. It all depends on the investment.

 
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April 11, 2017, 12:40:55 AM
 #9215

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. 
Investing in bitcoin and hold for long time is better than buying a physical assets like house were you will paying tax. bitcoin  has been increasing in value since the inception with all the attack the coin keep moving up.
I think at least have a real estate guarantee the future and prove beneficial in the long run, despite having to pay taxes but at least you'd have a profit, because it is very safe
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April 11, 2017, 01:01:43 AM
 #9216

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. 
Investing in bitcoin and hold for long time is better than buying a physical assets like house were you will paying tax. bitcoin  has been increasing in value since the inception with all the attack the coin keep moving up.
I think at least have a real estate guarantee the future and prove beneficial in the long run, despite having to pay taxes but at least you'd have a profit, because it is very safe
Maybe in banks, it's better but you won't get so much movement with your money if you just let it sit there. Maybe for the meantime but in the future, you could invest it in some places that you could earn possible large income. You just have to take risks because if you don't, there would be no progress.

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April 11, 2017, 01:25:18 AM
Last edit: April 11, 2017, 11:37:46 AM by Mpamaegbu
 #9217

If anyone is going to keep money that they won't spend at the moment, I think they should invest it and not just save it. Why save it when one can make it grow by investing it and earning some residual income. But I would advised that they do not pack all into one investment. Put some into short term investment and others into long term. Keeping the money at home or in banks as savings hardly bring in interest any more.

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April 11, 2017, 02:11:24 AM
 #9218

for me to save or invest it just the same but better try half to be stored and otherwise invest.

what do you think?
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April 11, 2017, 02:44:30 AM
 #9219

for me to save or invest it just the same but better try half to be stored and otherwise invest.

what do you think?

if you think it will be helpful for you why not trying? its good to invest if you understand the risk, investment always have some risk unlike savings it will be depend in how you do it, if you place your money inside your piggybank or you will place it inside the real banks, the difference would be the earnings with investment you will gain profits if you successfully find good one.
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April 11, 2017, 02:55:28 AM
 #9220

It's better to save money for future use and it's also better to invest it when you have some.The stock market tends to do better than cash over the long-term providing an opportunity for greater returns on any money invested over time. You can lower the level of risk you take when you invest by spreading your money across different types of investments. This is called diversification.
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