Savings Vs Investment?

[Dr.Osh]

for now, I keep thinking about the right way to invest, which allows me to produce without the need to work hard. well, maybe saving is pretty good, but I realize that it won't develop. maybe, it will be very good when we save when we have succeeded with the investment that we have.

[1715449385]

1715449385

[1715449385]

1715449385

[1715449385]

1715449385

[1715449385]

1715449385

[anume123]

In investing its very difficult for them to put money for a high risk like a huge percent you will get to earn. Sometimes its can't take so long because it will have high risk. Earn or not every investment is always risky.

[linkingt]

It totally depends on the invester, specially in the crypto. Investment gives much money more than savings. But it is good to invest wisely, need by choosing the good coin, right time to invest and the right amount of money.So investment is best way.

[semobo]

The traditional norms made us believe that savings are a safe option to store your wealth.
But is it true now?
With inflation, we all know that the prices of the wealth we have kept in our savings account will decrease. What is the use of saving when ultimately we are not even able to enjoy what we have been saving for years?
The smarter option?
Investment! Investment is not gambling if done rightly. Very often we see people not putting too much effort into learning and jumping into FOMO. They don’t have enough guidance that will help them to invest better.

I will say both are same in most of the situation because savings converted into investment and investment converted into savings so the the shape is different but the goal is same for everything

[nydiacaskey01]

Savings is a safe way of hiding your hard earned money from thieves however, take into consideration that if your money is just idle in a bank, it will not earn enough money to pay for the fees that bank charges to their clients like those service charge and annual fees. And imagine how much annual interest you get for in your savings account? 0.03%? If you pick a good stock or a good coin, you can easily earn 5% per month.

[LogitechMouse]

I agree. Savings are a good option but they can be better if transformed into investments. The only question is (as well as matter) what to invest in - cryptos, fiats, options, or gold?🤔 Any ideas?

I think what differs between crypto, fiat (forex) and gold is the profit they can give in a certain amount of time.

I have savings in the bank (with my family) but to be honest, I don't want to save money. I'd rather invest my money into stocks or even in crypto if I want. I know that it can give me more profit compare to just putting it in the bank that has very low annual interest (stupid banks).

[Natalim]

Savings is a safe way of hiding your hard earned money from thieves however, take into consideration that if your money is just idle in a bank, it will not earn enough money to pay for the fees that bank charges to their clients like those service charge and annual fees. And imagine how much annual interest you get for in your savings account? 0.03%? If you pick a good stock or a good coin, you can easily earn 5% per month.

You don't pay for the charge if you are making deposits on banks, they are the one to pay you with an interest income in a quarterly basis.
However, the main downside of putting your money to the bank is you can't escape the inflation rate, especially if you are living in a country that economy is not that good.

[kennen1113]

If I have no assurance on crypto market these days, I should prefer savings instead of investment. For that reasons, I am not risking my money to nothing and stress can be avoided to happen and prevent me from being panic.

And you accept your life only to this step, just live and work with such low goals, the simple reason for this story is that you fear failure but you should know that many people have failed but after that, they still have good and successful lives because that is the experience of life, you can be risky but what you get is experience, this experience helps you use for a lot of problems. If you only know how to live with savings, I'm sure your whole life will still have a mediocre life, investment is not guaranteed but it is a step to change life, do not be afraid of it

[Janation]

If I have no assurance on crypto market these days, I should prefer savings instead of investment. For that reasons, I am not risking my money to nothing and stress can be avoided to happen and prevent me from being panic.

People choosing saving than investment or investment than saving, why don't do both?

I mean we are not always losing in investing or trading right? We can save our profits in there so we can invest them again or maybe use it when there is an emergency that may or moght come. We are not always investing and obviously, there will always a time that we will be spending money not only in investing.

[pieppiep]

Saving and investment can help us to gain much money in the long term or short term, but it depends on the investment itself. If you can save more money, you will get interested in the money you save, and that will happen too with the investment. But we need to choose the investment carefully because not all investment can give a profit to us in the one period so when we can find one or two investment, we can expect to make money from the investment.

[Botnake]

I realize today how is important to saves but much better to take some opportunity in investing for us to make more money while it stuck in our wallet.
It is somehow a risk for us but I believe my self that I can find a way to make it better. And investing in crypto is the best place to be. Risk is not a hindrance to succeed but a challenge.. let's face this and it will be fine.

[Bitcoin Seller]

I agree. Savings are a good option but they can be better if transformed into investments. The only question is (as well as matter) what to invest in - cryptos, fiats, options, or gold?🤔 Any ideas?

Savings must present in our lives as any investment is a really great risk. If the market falls, you will be without money to live for. I never invest more than 30% of everything that I have as risk here is a silly thing. I need material support and confidence that nothing critical will happen even if the investments turn to be something bad (at least).

[Hypnosis00]

I agree. Savings are a good option but they can be better if transformed into investments. The only question is (as well as matter) what to invest in - cryptos, fiats, options, or gold?🤔 Any ideas?

Savings must present in our lives as any investment is a really great risk. If the market falls, you will be without money to live for. I never invest more than 30% of everything that I have as risk here is a silly thing. I need material support and confidence that nothing critical will happen even if the investments turn to be something bad (at least).

As we can't get 100% market assurance and savings will take place at ones. It is important to be prepared than to be nothing when crisis turns back us again. It happens several times and seeing those people aren't prepared will always be doing panic selling and even spreading more FUDs.

From all the money I earned in a month, 20% from them is saving, 40% investment and the rest will be my whole month expenses. And really it works for me. 

[glendall]

I agree with you,
saving for now will only make us poor,
good is investment, investment is real and provides long-term benefits.
and non-gambling investments if we do not participate in outstanding FOMO or FUD, make observations so that we know the future of the project.

[michellee]

I already invest some money to buy bitcoin and altcoin although I am already saving some of the coins from a long time ago. Investment is one way to get more money in the long term and now is a good time to invest in any coins. But still, you need to analyze if you want to invest in cryptocurrency so your investment will grow when the crypto market increases.

[arpon11]

Savings and investment are not different from each other if you do not want to. When you earn your salary you can put some of it to stocks and call it your savings as well. Not all savings are like putting the money in bank in some account and let it be on some bank interest, that is just one option. Buying crypto is savings as well, buying gold is savings as well.

Savings refer to the act where you do not spend all your money you earned and putting some of it aside, the investment is that "aside" part where you put that savings into something that would make it go even higher while you are still saving. So, putting 100 bucks per month into bitcoin is investment AND savings, you save 100 dollars per month from your pay check and that is called savings and you put 100 bucks into bitcoin and that is called investment.

You did really give a very good explanation on saving and investments. Clement stone said " if you cannot saved money, the seed of greatness is not in you"! It is from a well thought plan to save little as 10% or 20% of your earnings for many months that do create your capital for investment.. If you used all your take home and invested into bitcoin you may died of hunger in the near future. Remember that you most survive before thinking of investment and saving and leaving some part for feeding and taking care of you daily needs is what keeps you and your investment plan.

[Botnake]

<> because investment in crypto is more profitable than saving money in certain banks ...

You can't compare both when talking about profitability as saving will not generate profit and saving is not risky as investing money in the bank.
People who are afraid of taking risk are just purely saving their money in the bank, but without realizing about the inflation rate that would affect its value as it goes longer.

[jakoylantern]

The traditional norms made us believe that savings are a safe option to store your wealth.
But is it true now?
With inflation, we all know that the prices of the wealth we have kept in our savings account will decrease. What is the use of saving when ultimately we are not even able to enjoy what we have been saving for years?
The smarter option?
Investment! Investment is not gambling if done rightly. Very often we see people not putting too much effort into learning and jumping into FOMO. They don’t have enough guidance that will help them to invest better.

For me, it depends on the situation. What you said that the tradition is just to save your money by keeping it and not spending or taking the risk, yeah that’s right but if the situation is you want to earn money why not try to invest it right make your money grow. But in investment theirs always a risk and if you can’t handle it's much better to keep it but if you can spend some money that you can afford to lose why not, the chance of making your money will grow will definitely depend on you and what investment you will choose. 

[babysweetTiger0401]

If I have no assurance on crypto market these days, I should prefer savings instead of investment. For that reasons, I am not risking my money to nothing and stress can be avoided to happen and prevent me from being panic.

People choosing saving than investment or investment than saving, why don't do both?

I mean we are not always losing in investing or trading right? We can save our profits in there so we can invest them again or maybe use it when there is an emergency that may or moght come. We are not always investing and obviously, there will always a time that we will be spending money not only in investing.

If you are mindset in long term, probably savings will be good for you. However, if you want to roll your capital quickly of course you will go for investment and that is already proven and tested as long as the coins you are going to invest has a capacity to increase in the future and promising like ADA.

[Janation]

If I have no assurance on crypto market these days, I should prefer savings instead of investment. For that reasons, I am not risking my money to nothing and stress can be avoided to happen and prevent me from being panic.

People choosing saving than investment or investment than saving, why don't do both?

I mean we are not always losing in investing or trading right? We can save our profits in there so we can invest them again or maybe use it when there is an emergency that may or moght come. We are not always investing and obviously, there will always a time that we will be spending money not only in investing.

If you are mindset in long term, probably savings will be good for you. However, if you want to roll your capital quickly of course you will go for investment and that is already proven and tested as long as the coins you are going to invest has a capacity to increase in the future and promising like ADA.

Why not investment? Investing is better in long term, isn't it?

As a proof, there are a lot of investors that earned a lot of money from investing in long term. Let's take the early adopters of Bitcoin for example. They bought Bitcoin at the lowest price available and if they are still holding that money, they earned a lot of profit from that. If they saved their money and did not invest in cryptocurrency especially Bitcoin, I don't think that they will be having a good profit.