Differences between an investor and common man!

[Free1bitco.in]

I have an opinion that common man, in general, will not take risks if that is not certain, because they prefer to work rather than taking risks to invest. while investors, they prefer to take risks, and a different path from ordinary people. In addition, investors also have a lot of consideration and analysis. because of this, I feel that more people have become successful investors, compared to common people.

[Betwrong]

I have an opinion that common man, in general, will not take risks if that is not certain, because they prefer to work rather than taking risks to invest.

I would support such "common man" in his way of life. Unfortunately, this is not the case with many "common people" today. They are not just working and make their living with that, but they are taking loans(see what OP is saying) with the need to pay huge interest in the future, making their life miserable.

while investors, they prefer to take risks, and a different path from ordinary people. In addition, investors also have a lot of consideration and analysis. because of this, I feel that more people have become successful investors, compared to common people.

Good investors owe their success to the ability of proper money management. They are not good just because they are ready to take risks.

[Mahanton]

Then I am also part of being an investors.
I never did want to loan even with just a small percentage of interest.

It is an addictive method and a lot are brought down by it. It will be better to just save money and pay it full in cash basis which is perfect since you will have any problem afterwards.
With loans being there, only those who own the loaning company will be making profit while you are paying them interest which should have been added to profit but not.

Once you take your first loan, you will end up sometimes paying the interests accrued on the initial principle for a long time because everytime you default,  they rise the rates once again. It's better to save up no matter how long it takes than to take a loan and pay interests which really sucks.

But there are instances which you wont really have any choice but to get some loan just for you to make investment.
Saving up for long term will just waste up your time specially if you do see some good opportunity to make profits.
For sure you will consider on taking the risk because you do see some possible profitability.

For example, in a day-to-day event, I once talked to someone, where he borrowed money from a bank to buy a plot of land, with a simple calculation, annual bank interest is around 12%, while the increase in land is around 20%, so it still has a profit, if we invest on property, even though using a bank loan, different from the common people who are more comfortable saving money in the bank

Investment does really require some good mathematical skills and should be wise to know on how things do work.You can eventually see the advantages
if you invest or just simply save up your money on bank or on idle state. Sometimes we do need to risk to earn something but if you do like to play
safe then its your choice.

[Bob Smith]

An investor keeping aside his emotions, is mostly going to view things with a financial point of view, focused on how to make profits. Good investors basically are too planned, viewing everything with reference to their future value. With a common man, mostly emotion is where they are lacking due to lack of experience. If they ever get into investments, they enter with no prior management or analysis. But I feel that few common men who are good in research do excel with a careful sound behaviour .

[fullhdpixel]

Common man was forced to do something about his financial situation, that is why we have so many people doing risky investments and what not, hell even the reason why people are getting scammed so much as well because they are forced to do something about their situation.

Nobody has enough money to live anymore, there are very few people who can live with their salary, maybe CEO's are living a good life but right now regular people are having hard time surviving on their wages and that forces them to find a way to make more money in order to have a better life that is not barely living. 90% of all people in the whole world is basically in a state of "surviving" instead of "living", they have enough money to cover for basic life needs like food and shelter, things that are regular stuff back in the day became luxury over time.

[SirLancelot]

I have an opinion that common man, in general, will not take risks if that is not certain, because they prefer to work rather than taking risks to invest. while investors, they prefer to take risks, and a different path from ordinary people. In addition, investors also have a lot of consideration and analysis. because of this, I feel that more people have become successful investors, compared to common people.

There is nothing for a common man to risk if he does not work for it, at least before you can even consider investment, you must have had some money with you either through savings or loan, and I want to believe that before an investor became an investor, he was once a common man also, and before the opportunity came for him to become an investor, he must also have exhibited all the features of a common man and I am sure that at one point too, he may have even borrowed money to pay for that his child’s school fee, so there is always time for everything.

It is not so easy to get money for investment, and before the opportunity comes you see people would have already taken loan to stay alive for that opportunity to come.

[royalfestus]

I wouldnt also compare normal investors to crypto investors, Most investors outside do invest in what they understand but most investors in ICOs realized they dont know enough to invest in this space. A better investors must have completed a cycle of bear and bull market to get the better of the next phase/space. The sad thing is that it might be very difficult to lure any investor who lost in the last cycle into the space again

[TIDOVEE]

Real investors acquire funds to gain more funds, the strategize and analyse how to go about the profit even before obtaining any loan, but normal man obtain fund to satisfy their pressing needs and may end up without positive gain and as you have said, will still have the interest to meet up. Most common men aim to impress in a short time as they spend more on liabilities.

[Dr.Osh]

investor thinks to grow money for future , common man wont think about future they enjoy and waste money in liabilities and even they want get rich they dont want to wait for years to make money and want to get rich fast 

investors are businessmen, who think of strategies so they can get profits that can develop the companies they build to employ common people. besides, the biggest thing that distinguishes the two is the way they think about business. I think the common man will think of things that benefit them, without any risk. it can be done by working.

[Bezobraznike]

   Investor has experience, common man needs to learn a lot, to make few investments and than to become investor. Difference between common man and investor is
experience. We all start as common, what ever you choose to do, in this case investing and trading, you need to learn about it, practice it and only than to become
successful in that area.
    Successful as investors is measured in profit you make. More you make more successful you will be.

[Viscore]

investor thinks to grow money for future , common man wont think about future they enjoy and waste money in liabilities and even they want get rich they dont want to wait for years to make money and want to get rich fast 

investors are businessmen, who think of strategies so they can get profits that can develop the companies they build to employ common people. besides, the biggest thing that distinguishes the two is the way they think about business. I think the common man will think of things that benefit them, without any risk. it can be done by working.

An investor is definitely a risk taker and does not give up easily even if it means losing at first. He knows that he will make good gains if he just keeps on pushing his own and motivate his mindset that his money will grow in the future. A common man is afraid to take risks and enjoys only what is on hand without having the courage to make his money grow even more.

[STT]

There is no difference, the common man invests in his family and might see great growth from that personal attitude.   The wider investor looks farther afield and takes greater risks in doing so.        The common man likely knows the subject in which he invests better, the most common personal investment is the house people live in as that reduces rent costs its often easily justifiable.
    The investor in capitalist markets often pays alot of money for management of the fund in which he invests, thats a large difference in that they want to pay an otherwise unknown individual to manage funds.    A common investment in many countries is for a family business, then wages are shared by the family and costs are familiar to all which is likely fairer and makes the business more likely to succeed through good times and bad.

[xpinvest]

Most get into loan traps and end their life as being poor.

That's the sad reality. Common joes aim to book large gains very quickly and therefore discard the risks involved, which is very stupid. They don't think about paying back their debt, that comes after they lost it all.

I'm not really keen on financial institutions preventing people from investing in crypto with credit, because they should also prevent them from legacy forex brokers, but at least people are protected against themselves now.

People could withdraw their credit through an ATM and then deposit the money on their bank account and then wire it to an exchange, but I'm quite sure that these people aren't that clever to think of this themselves.

Investor
- Thinks long term
- Is aware of risks involved in investing and the failure rate
- Willing to make meaningful contributions to projects (if nothing else, at least support the ecosystem within which it operates)

Common man (retail investor)
- Thinks short term P&L
- Often puts money in the wrong places by falling prey to the 'heard' mentality
- Does not think much about the projects (sometimes yes, but not always) and will sell their investment the moment they think something is going south or they've made a decent enough return


Paul
xpinvest.io

[RealMalatesta]

Real investors acquire funds to gain more funds, the strategize and analyse how to go about the profit even before obtaining any loan, but normal man obtain fund to satisfy their pressing needs and may end up without positive gain and as you have said, will still have the interest to meet up. Most common men aim to impress in a short time as they spend more on liabilities.

More like the investor gets any loan because he wants to earn more, while common man takes out loan to pay for useless stuff. For example if you are an investor and your company makes about 100k per year and you take out a loan of 100k on top of that and reinvest into company so your company makes more than 100k now and you can repay easily, that is a good ROI on that loan.

Of course, nobody would ever want to take out a loan but if you have to than it should be for a reason that would later make you more money in the end. However common man usually takes out a loan that he needs because he has spent money on useless stuff that they stuffed their house with, that is a big issue in the world right now, people work and they don't know what else to do so they spend money like crazy to fulfill their short span of free time.

[qwertyup23]

What are the things differ from mindset of common man with investor,please share your thoughts.

IMO,investors never want to take loans for their consumption like home loan,car loan,etc then just save money and will buy the things for their needs but common man like you and me will buy the things immediately when we get the desire of it using loans but we are paying 20% of interest to those kind of loans.

An investor will always have a vision about their goals and a definite plan on how to reach them through a step-by-step process. A common man, on the other hand, lives a life where everything revolves around mundane activities. They actually have a relatively linear way of living. But what makes this fact interesting is that anyone can be an investor WITH the right amount of time, dedication, and knowledge about the market and investment.

Before becoming an investor, he was once a common man who shared the same ideals and goals. But what makes an investor distinct against the common man is having the passion and skill for earning more than they have now.

investor thinks to grow money for future , common man wont think about future they enjoy and waste money in liabilities and even they want get rich they dont want to wait for years to make money and want to get rich fast 

It is not that a common man does not want to get rich but they have a linear way of living. They just do not share the same type of vision an investor does. The sky's the limit for an investor and the sky may seem impossible for a common man.

[Betwrong]

I have an opinion that common man, in general, will not take risks if that is not certain, because they prefer to work rather than taking risks to invest. while investors, they prefer to take risks, and a different path from ordinary people. In addition, investors also have a lot of consideration and analysis. because of this, I feel that more people have become successful investors, compared to common people.

Lay people think too much before making a decision, basically they do not have the courage to bear the risks that will be faced. Unlike investors, they prefer the challenge of taking risks because they think high risk can provide great benefits

Although it is true that there is a possibility of earning a lot with taking big risks, I would not blame those people who don't want to take them. Imo they are right in most cases. If you already have/earn enough money for providing your daily needs, it's a big question whether you should risk that position in order to gain more money.

Overall it's not like black and white in a sense that some people are investors and others are common folks. Most of us are both, and the question is which part is prevailing in a given time interval. And from our experience we know that we are not necessarily successful when we are more into investing.

[STT]

The biggest difference is capital and money management, your average person spends every penny from their pay packet just living and the rest on luxuries if they have any left because who knows what will happen tomorrow.  Which is fair enough in your twenties but eventually people realise you have to put some of what you earn away otherwise you are on the treadmill forever and unless you love that job somehow, not going to be very happy or rich stuck there.
    I know we might be talking about skills, but I think capital is the important part as leverage makes precise trades very hard not to end up closed out as the market goes finding stops before really making a move.   I bet the market right now is looking like it'll go down but first has a bit of a spike up.

[SquallLeonhart]

Although it is true that there is a possibility of earning a lot with taking big risks, I would not blame those people who don't want to take them. Imo they are right in most cases. If you already have/earn enough money for providing your daily needs, it's a big question whether you should risk that position in order to gain more money.

Overall it's not like black and white in a sense that some people are investors and others are common folks. Most of us are both, and the question is which part is prevailing in a given time interval. And from our experience we know that we are not necessarily successful when we are more into investing.

I don't think there is anything like people not wanting to take a risk because even the live that we live is a risk on its own, and we go to places not knowing what could happen to us, so we risk our life and if we can risk  our life, then there is nothing not worth risking, we just have to make sure that whatever risk it is, it is one that would really be worth it.

Though when it comes to loan risk in an investment, we really have to be very wise about it so that we don’t take load that we will not be able to pay because life is full of uncertainties and we might think the business we too loan for will succeed and may not, and I agree with you that this is line of the thing that a common man do run away from, but there is no way that we will want to earn enough money without taking risk.

[1Referee]

The biggest difference is capital and money management, your average person spends every penny from their pay packet just living and the rest on luxuries if they have any left because who knows what will happen tomorrow.  Which is fair enough in your twenties but eventually people realise you have to put some of what you earn away otherwise you are on the treadmill forever and unless you love that job somehow, not going to be very happy or rich stuck there.

That reminds me of myself like 20 years ago. I made sure that I always had enough money to pay bills and whatnot, where I spent every single penny of the rest on things I didn't need such as expensive clothes, high end mobile phones, ordering food every other day, etc. Result was that I didn't have ANYTHING in my savings account.

If I compare how I am today with how I was 20 years ago in terms of money management, I see two completely different persons. It feels really good knowing that I made most of my mistakes when it didn't really matter. Now I can live quite comfortably without even having a lot. My expenses are pretty low, just so that I have more to invest.

In the more recent years there has been a trend amongst twentiers where taking out a quick loan has become so common, that people actually consider it to be normal. This is quite shocking considering how high the interest rates are. It shows me how much worse the economy has become that these loans are needed to make ends meet until the next paycheck clears.

[Betwrong]

Although it is true that there is a possibility of earning a lot with taking big risks, I would not blame those people who don't want to take them. Imo they are right in most cases. If you already have/earn enough money for providing your daily needs, it's a big question whether you should risk that position in order to gain more money.

Overall it's not like black and white in a sense that some people are investors and others are common folks. Most of us are both, and the question is which part is prevailing in a given time interval. And from our experience we know that we are not necessarily successful when we are more into investing.

I don't think there is anything like people not wanting to take a risk because even the live that we live is a risk on its own, and we go to places not knowing what could happen to us, so we risk our life and if we can risk  our life, then there is nothing not worth risking, we just have to make sure that whatever risk it is, it is one that would really be worth it.

Though when it comes to loan risk in an investment, we really have to be very wise about it so that we don’t take load that we will not be able to pay because life is full of uncertainties and we might think the business we too loan for will succeed and may not, and I agree with you that this is line of the thing that a common man do run away from, but there is no way that we will want to earn enough money without taking risk.

Maybe we are taking risks every time we are crossing the road, but investment is something different. We have statistics to stay not entirely confused about such things. From 50% to 90% of investors lose money with this activity, while less than 1% of people suffer various injuries as a result of a road traffic accidents. Also, I disagree that we can't earn enough money without taking risks. It can be true to some degree in underdeveloped countries, but in the developed ones most people earn enough by just doing their job, without taking any risks.