Use your money wisely. Invest or Deposit ?

[bitzizzix]

$100,000 is a lot of money. And we can only dream and hope that when we wake up it will come true, and if I had that kind of money, what I would do is.

$20,000 I would buy the land and at that price I could get 200m/250m in the countryside, and another $20,000 to build a rental house and with the area and money to build the amount I mentioned above would be about 6 or 5 plots. And this is an investment that will not disappear and the price will increase every year according to regional development.
and another $ 20,000 I will use for savings, and for urgent needs so as not to interfere with my investment.
and $40,000 I'm going to put into bitcoin and for the long haul, and now is the perfect time to buy it.

[michellee]

I will keep most of the bitcoins i.e., 4-5 BTC and use 1-2 BTC for trading because, in this situation, there is still a chance to profit from price differences in the market. But if I feel the movement of BTC is still unknown, I guess I will hold all the BTC I have bought and exit the market. That would be better for me because I don't have to think about price fluctuations and get away from the panic that could arise later. Plus, I can focus on other things while I wait for the BTC price to rise again. And if I have to wait 2-3 years, I'll be fine.

[Cookdata]

Now you have $100,000 in your account, pure savings, and you don't need this amount of money to cover your daily expenses. Obviously it's good/free money to use at will. Let's say if you deposit the money into a bank and the annual interst rate is 3%, you will get a steady interest income year by year. If you use this money to buy Bitcoin, let's say the BTC drops to $17,000, you'll buy less than 6 Bitcoins. In the long run, what would you do with this money ? And why ?

Do people still let their money stay idle like in those days? That’s like putting money on bad will because at the end of the year, it will depreciate in value as you will end up battling inflation, banks are also the worst place anyone would want to save money in this century, I would rather see it invested in a physical business than those small interests rate that cannot beat inflation.

If I have that kind of amount of money, I would buy bitcoin but I will be smart with the buying process, split them in batches and continue to buy bitcoin as the price tank especially with the uncertainty and fear that is right now in the market, if we bottom at $10k, it will be insane profit by next bull run.

[Lida93]

Now you have $100,000 in your account, pure savings, and you don't need this amount of money to cover your daily expenses. Obviously it's good/free money to use at will. Let's say if you deposit the money into a bank and the annual interst rate is 3%, you will get a steady interest income year by year. If you use this money to buy Bitcoin, let's say the BTC drops to $17,000, you'll buy less than 6 Bitcoins. In the long run, what would you do with this money ? And why ?

Having such huge amount of money as $100,000 just as savings which doesn't cover your daily expenses  gives the impression that such a person is already doing well financially and can hold on for long on any choice of investment he/she chooses to venture in, no matter how long it may take to bring a return on investment. If I were to be such a person and with the idea that you shouldn't put all yours eggs in one basket, I will invest a 50% of that money into bitcoin and the other 50% deposit it in the bank for the 3% interest annual rate.
We don't know what the future holds and definitely can't put all life time savings in one hole if you're a good business man, you will understand that diversification is necessary in case of uncertainty.

[348Judah]

When talking about money and how we have to make good use of it to ourselves so as to avoid future disappointments and failures in life, then we must sit to plan and prepare very well a good means to serve an alternative to our income, priotize our needs from wants and set budgets on every expenditures we are to incure onna present and future base planning, we need to invest on profitable asset and avoid liabilities as investment in other to cut or stop loss.

[lovesmayfamilis]

I won't be original. For a hundred thousand dollars, I would buy two apartments, which in my country would be quite good. And in the future, I will just rent them out. With the profit from the apartments, it would be possible to invest in bitcoin, since this money is already a benefit received from renting apartments. I speak so confidently because I already have experience and understand that it is unprofitable to keep money without movement. Any extra money should always work.

[Husires]

If I had that money, I would prefer a risk diversification policy by doing the following:

• Keep 20% in the form of gold bars.
• Keep 20% in the form of cash (mostly dollars, local currency or Swiss francs)
• 30% investment in bitcoin.
• 30% investment in real estate, stocks, or both.

After that, according to the country or date, the percentages may vary, increasing or decreasing by 10%.

[Dickiy]

Now you have $100,000 in your account, pure savings, and you don't need this amount of money to cover your daily expenses. Obviously it's good/free money to use at will. Let's say if you deposit the money into a bank and the annual interst rate is 3%, you will get a steady interest income year by year. If you use this money to buy Bitcoin, let's say the BTC drops to $17,000, you'll buy less than 6 Bitcoins. In the long run, what would you do with this money ? And why ?

If I had $100,000 of unrelated free money I would split that money across several investment sectors but excluding bank deposits.
1. 40% I want to invest in Bitcoin using the DCA strategy for 12 months ($3,333/month)
2. 15% to buy tech industry stocks
3. 15% for the purchase of agricultural industry shares
4. 15% to increase the business capital that is being run
5. 10% for Emergency Fund
6. 5% Cash
I would use the money for the data above, and I don't want to keep my money in a bank deposit because my money will be locked/for a decade or (liquidation is complicated), and also not use the money fully to buy Bitcoins because I it takes a long time to make a profit, because Bitcoin does not provide passive income with every month or year.
I don't know if this is true or not in financial management, but if I had the money now I would go for it and definitely avoid bank deposits.

[Genemind]

In my country, if you convert that amount of money it can do a lot. I would diversify it.

* Save at least 10%, even though it's your free money, you cannot predict any unnecessary expenses or emergencies in the future.
* Invest 30% in any business that could turn into a passive income (Rental Properties, rent out storage spaces, rent out cars, etc.)
* Invest 30% stocks/ real estate
* Invest 30% cryptocurrency.

Investing it all in cryptocurrency will not secure income since the market is volatile even if you are investing for a long-run purpose. Saving your money in a bank with a little interest rate will only lessen the value of your money in the long-run. It's best to diversify your investment in different types of investment that will generate cash-flow as well as secure whatever your needs maybe as time goes by.

[Bitstar_coin]

I will have it split in 3 parts, or do 30%, 30%, 40%, diversification.
40% will be on btc, 30% on real-estate and the remaining 30% will be on stablecoin staked for passive income, it doesn't matter how little the apy is as long as it generates something extra, monthly preferably to cover other minor expenses.

[TheUltraElite]

Now you have $100,000 in your account, pure savings, and you don't need this amount of money to cover your daily expenses. Obviously it's good/free money to use at will. Let's say if you deposit the money into a bank and the annual interst rate is 3%, you will get a steady interest income year by year. If you use this money to buy Bitcoin, let's say the BTC drops to $17,000, you'll buy less than 6 Bitcoins. In the long run, what would you do with this money ? And why ?

Investing fully in bitcoin is also not a diligent step. I would divide that corpus into parts and invest in stocks, bonds and crypto being the few I am comfortable with, real estate could be another option if you need it. You would also need liquid cash at hand for emergency purpose and money at hand for daily necessities.

In the long run I would observe my portfolio for changes in the market patterns. Most well to do stocks continue to give dividends which you can use to reinvest same or other assets.

Bitcoin at low price is a long term investment so you just buy and forget for now.

[erep]

I will share some investment parts for 50% non-crypto for passive income, 30% crypto and 20% for emergency funds, I apply the same strategy as some of the posts above that non-crypto passive income must be prioritized because to improve the economy and welfare life. Investment strategies in crypto must be considered carefully because crypto movement patterns are still very risky in a bearish phase because the $17k support area cannot be guaranteed to last until the end of the year, so prioritize the DCA strategy for any coin investment.

[noorman0]

Are there other options, for example investment or business? Because I will only leave 30% for bitcoins.
For the average people in my country, there is a high enough value to get a monthly income of more than bank deposit interest without doing anything. In my city, parts of the area are places where many finished goods industries operate which have an effect on SMEs in the surrounding community with the main target consumers being factory workers. Profitable business potential is boarding house rental, goods & vehicle storage services, culinary, etc.

[so98nn]

Frankly speaking that’s lot of money man. You need to invest it smartly and kee growing it further. Now let’s not talk about banks because they are anyways giving us oranges for apples so that’s bad deal. With this much amount I would make multiple investment streams. Starting from best stocks from the Share market. (The real one). Will buy multiple of them with promising future. Then I will straight away keep buying bitcoin multiple times. I won’t buy it altogether but I will do DCA strategy to have lower BEP. This way I will be securing best of both worlds and make sure my money is growing slowly and steadily.

[Ultegra134]

First and foremost, there's no way you'd get 3% interest with a bank deposit, not even with term deposits. The most you can get here is approximately 0.10% for considerably large amounts of money. With that being said, it really depends on what type of investor you are. If you're up for a steady source of income, you could opt for stablecoin staking, with which you'd certainly achieve a 5-6% APY. On the other hand, if you're into assets, Bitcoin would be a decent option, especially now that it's practically dirt cheap compared to last year's all-time high.

[Oilacris]

Now you have $100,000 in your account, pure savings, and you don't need this amount of money to cover your daily expenses. Obviously it's good/free money to use at will. Let's say if you deposit the money into a bank and the annual interst rate is 3%, you will get a steady interest income year by year. If you use this money to buy Bitcoin, let's say the BTC drops to $17,000, you'll buy less than 6 Bitcoins. In the long run, what would you do with this money ? And why ?

If you are that someone who do value fiat money much and doesnt really like that 100k of yours to be on negative then Bitcoin or crypto investment isnt really for you but since we are
making out some comparison in between bank and crypto interest rate then there's really a significant difference specially with Bitcoin.The thing on here is that there's no way for us to say or tell
on how much we could potentially be able to earn for years time with that free money of yours, whether it would really be on loss due to market decline or would really be in huge
interest or gain because the market did make out some significant rise or increase.No one really knows and this is where some people are really that interested
because they've seen that huge potential.So it would be always varying up on how much risk you could able to put in.

[serjent05]

First and foremost, there's no way you'd get 3% interest with a bank deposit, not even with term deposits. The most you can get here is approximately 0.10% for considerably large amounts of money. With that being said, it really depends on what type of investor you are. If you're up for a steady source of income, you could opt for stablecoin staking, with which you'd certainly achieve a 5-6% APY. On the other hand, if you're into assets, Bitcoin would be a decent option, especially now that it's practically dirt cheap compared to last year's all-time high.

I think the bank's annual interest depends on the bracket of how much a client deposit but regardless of the increasing interest, I will never trust bank to handle huge amount of funds and let them play with it while having me beg for their mercy if I wanted to get my money.  I would rather play it myself via Bitcoin investment than trust my money to a greedy and heartless financial institution.

[Viscore]

Now you have $100,000 in your account, pure savings, and you don't need this amount of money to cover your daily expenses. Obviously it's good/free money to use at will. Let's say if you deposit the money into a bank and the annual interst rate is 3%, you will get a steady interest income year by year. If you use this money to buy Bitcoin, let's say the BTC drops to $17,000, you'll buy less than 6 Bitcoins. In the long run, what would you do with this money ? And why ?

Investing is a more profitable choice, but never go for all in investing as it could be very risky to take. Having that huge amount, you can take half of it and invest it into bitcoin and now is definitely the best time to enter the market at its bearish state. Leave the other half for savings, as it could also serve as emergency funds for you.

[Distinctin]

Now you have $100,000 in your account, pure savings, and you don't need this amount of money to cover your daily expenses. Obviously it's good/free money to use at will. Let's say if you deposit the money into a bank and the annual interst rate is 3%, you will get a steady interest income year by year. If you use this money to buy Bitcoin, let's say the BTC drops to $17,000, you'll buy less than 6 Bitcoins. In the long run, what would you do with this money ? And why ?

Saving will not gain significant amount if you just keep it that way throughout the year. But with investing, it gives you higher chances to increase your money and doubled or tripled the amount in just less than a year or two. But never invest them all. You can take a portion of your savings to invest in bitcoin and when you are seeing profits already, then you can add your profits to your capital and expect much bigger profits in due time.

[Wakate]

Now you have $100,000 in your account, pure savings, and you don't need this amount of money to cover your daily expenses. Obviously it's good/free money to use at will. Let's say if you deposit the money into a bank and the annual interst rate is 3%, you will get a steady interest income year by year. If you use this money to buy Bitcoin, let's say the BTC drops to $17,000, you'll buy less than 6 Bitcoins. In the long run, what would you do with this money ? And why ?

I am still confuse why you explain Bitcoin out when we invest in a pessimistic manner. Remember that what goes up could come down so investing such kind of fund is good but what is important is how want to invest the fund and what direction do we want it to go?
Having $100,000 and investing part of it in Bitcoin is a good move so in case the price of Bitcoin goes up, we can be rest assured that we are going to be having massive profits but we still need to understand when to invest and how to do it in a proper manner.