what do we thinking about investment target?

[MarjorieZimmermanGinger]

Absolutely, it's true that investing offers more promising opportunities than keeping our money stored in the form of FIAT or cash for an extended period. However, this is a scenario where someone has surpassed challenging economic times, signifying that these investments are better suited for those in the middle and upper economic strata. Significant funds are necessary for investments to yield substantial long-term benefits.

It also depends on what coin we hold because not all Crypto have the same opportunities in the long term. Everyone must choose bitcoin as a long-term investment asset because bitcoin is more reliable and can provide big profits in the long term. Saving fiat for the long term will not provide benefits because over time it will lose value and not to mention talking about the impact of recession and inflation, so that fiat will increasingly lose value for the long term savings that we make.

For our friends who are still striving to pay off debts and support their families, it's not yet the time to contemplate investments. I understand that many individuals have yet to achieve their aspirations, but enduring and staying afloat remains the wisest choice, even if it entails holding onto FIAT throughout their lives.

There is a portion that can be taken to maximize both, investment can be applied as much as 25% and the rest can be used to pay off debts or for daily needs. When the 25% investment increases because bitcoin reaches ATH the debt can be paid off in an instant. What needs to be considered is the percentage of investment that must be done correctly, so that accuracy can be done to achieve profits in it.

[Compromise me]

The investment target is of course profit, unfortunately many people are too easy to follow the types of investments that offer high profits, as investors of course we must be aware that all types of investments are always at risk so there is always a chance for loss.

you are right but we can decrease risk by increasing our knowledge about investments. Real estate investment is best option and we can buy rental properties. Rental properties give monthly passive income without doing any work. Also, we can sale property when we get good deal. We can also invest in gold which is safe investment . Gold is safe when all assets value is decreasing. If we are financial literate then we can invest safely. We can invest in business if we completely understand that business.

[someone703]

The reality is, investing is not a way to make a quick profit. It usually requires time and patience. For those investing in Bitcoin or variable asset classes, it is important to have patience.

From the outset, we need to be aware that returns don't come immediately, and that there can be drastic swings in asset values. This can cause frustration if we are not able to persevere.

The problem often occurs when people expect a profit immediately after an investment, but the financial markets don't work that way. It's important to stay mentally sharp and patient in any market situation.

It's sad to see so many people come into the investment market but after a short time, they lose patience and retreat. This often leads to them not achieving the desired results and even losing money.

[darewaller]

Now it comes to fixed deposit, real estate, stock market, mutual fund, gold investment, any subject we can proceed with the investment target.

It is a harsh reality that inflation is steadily eroding the value of our assets overtime. To effectively mitigate the impact of inflation, a prudent strategy could be to build a well diversified portfolio, that encompasses mix of low and high risk assets. This diversified approach should include real estate, stocks, Gold and Bitcoin. In my personnel perspective, Bitcoin has the potential to be most effective hedge against inflation and market fluctuations, in the long term.

I think investing in an asset is helpful against the inflation. That is because an asset are growing in price over time. And if there is something that mitigates building a well diversfied portfolio, that would be the risk of investing. I think it's also possible to just diversify in one asset category like for example in cryptos.

We can invest in Bitcoin at one point and then Ethereum on the other. These old coins must be the lower-risk assets but the higher risks assets are the newer coins. Bitcoin is known like that to be a good hedge against inflation. I think that is because of its limited supply but it's not a hedge against the market fluctuation because Bitcoin itself is also a highly volatile currency.

[lixer]

Inflation is not a new thing, but it hurts people's wallet these days because of things getting out of hand while only having minimum wage.

Also, most of the people who are minimum wage earners wouldn't have anything left to invest in something especially if they have a family to feed, and bills to pay. The real problem is not the inflation, but because of some Government that's not willing to help its people to beat inflation. Most of them are still not increasing the minimum wage even though they are aware that it is not enough wage these days.

Most governments barely care about people from the lower classes, they are left to suffer and survive on their own, and if they can't survive, they deserve to die as per the government officials of some countries. They would never think of increasing the minimum wage so that the poor population can have enough money to at least eat food twice a day with what they earn, all they care about earning money themselves and filling their own banks and pockets.

I know that first-world countries suffer from inflation and economic crisis as well, but they at least have minimum wages at a level that won't make people earning minimum wages starve to death or don't even get to have the basic necessities of their household fulfilled, that's the difference.

[erep]

Most governments barely care about people from the lower classes, they are left to suffer and survive on their own, and if they can't survive, they deserve to die as per the government officials of some countries. They would never think of increasing the minimum wage so that the poor population can have enough money to at least eat food twice a day with what they earn, all they care about earning money themselves and filling their own banks and pockets.

I know that first-world countries suffer from inflation and economic crisis as well, but they at least have minimum wages at a level that won't make people earning minimum wages starve to death or don't even get to have the basic necessities of their household fulfilled, that's the difference.

The government has not made any efforts to increase people's welfare against inflationary conditions, the government only complains about the impact of inflation causing state income to decrease significantly, but officials' salaries and benefits have no effect under any circumstances, the people are allowed to suffer when the effects of inflation are without making any proposals to increase the minimum wage so that people can prosper under conditions of inflation.

Government policies are not pro-people in any decision, so even though there is no inflation the government still has no plans to increase the minimum wage, I am of the opinion that certain countries do not prioritize the interests of the people, especially when elections are approaching, many political actors take advantage of the impact of inflation to recruit poor people to carry out plans to damage the reputation of political opponents, so that people are used as political tools because they are forced to accept offers from political actors to get costs for their living needs.

[Cryptomultiplier]

To identify a potential source of income or gain is good. The issue always is how to key into it and harness it for maximum efficiency.
No matter the investment one has in mind, as long as the first line I stated is satisfied, so long as the investment funds or how the means to get the funds/capital is available then the next sure thing will be to set a target for maturation. Of which when this period elapses, the interest accrued can be scrapped off and capital reinvested.

For cryptocurrency investment that concerns trading or DCAing or HODLing as fondly called, one is always expected to sustain this for a duration which sums up as the target that you OP, has hinted.

[Aanuoluwatofunmi]

The investment target is of course profit, unfortunately many people are too easy to follow the types of investments that offer high profits, as investors of course we must be aware that all types of investments are always at risk so there is always a chance for loss.

you are right but we can decrease risk by increasing our knowledge about investments. Real estate investment is best option and we can buy rental properties. Rental properties give monthly passive income without doing any work. Also, we can sale property when we get good deal. We can also invest in gold which is safe investment . Gold is safe when all assets value is decreasing. If we are financial literate then we can invest safely. We can invest in business if we completely understand that business.

How effectively have we sat down and think about what to do in ensuring an adequate and proper plan for the investment we want to make, there's a every possible chances of us making the right decision if we could make the required standard plan for the business to start and grow, we also need the required knowledge to diversify our business on other assets, we are not expected to put all eggs on a single basket, there's risk in making business but when we have alternative choices, we wouldn't be affected if the worse should happen in what we do.

[Bloodseekers]

you are right but we can decrease risk by increasing our knowledge about investments. Real estate investment is best option and we can buy rental properties. Rental properties give monthly passive income without doing any work. Also, we can sale property when we get good deal. We can also invest in gold which is safe investment . Gold is safe when all assets value is decreasing. If we are financial literate then we can invest safely. We can invest in business if we completely understand that business.

Real estate investment also has risks if we don't understand it well, I think all types of investments must have risks that could harm us, as you said it is true that we really need an understanding of what we are going to invest so that we can anticipate if in investing we experience losses, don't let us just listen to people who have been successful in that field, so we try it without understanding anything about the investment.

[xSkylarx]

The investment target is of course profit, unfortunately many people are too easy to follow the types of investments that offer high profits, as investors of course we must be aware that all types of investments are always at risk so there is always a chance for loss.

you are right but we can decrease risk by increasing our knowledge about investments. Real estate investment is best option and we can buy rental properties. Rental properties give monthly passive income without doing any work. Also, we can sale property when we get good deal. We can also invest in gold which is safe investment . Gold is safe when all assets value is decreasing. If we are financial literate then we can invest safely. We can invest in business if we completely understand that business.

How effectively have we sat down and think about what to do in ensuring an adequate and proper plan for the investment we want to make, there's a every possible chances of us making the right decision if we could make the required standard plan for the business to start and grow, we also need the required knowledge to diversify our business on other assets, we are not expected to put all eggs on a single basket, there's risk in making business but when we have alternative choices, we wouldn't be affected if the worse should happen in what we do.

Planning is essential on every matter of business or investment because you know what your backup plan or ongoing plan is in your money. In business, if you're just starting out without any plans, like if you've just rented a place and made a clothing store, the problem is that your place is not where people can easily see it. That is why it needs thorough planning as well as the required knowledge because you won't just easily declare you'll invest in something without prior knowledge of it.

[YUriy1991]

Investors have two concepts of risk and return. Risk is when you invest money without understanding. And return is something where you invest money, even if it is a small amount, money will come to you. There are three types of investments.

That true, sometimes investment can be a choice of instruments that are considered appropriate to gain profits and achieve financial goals. However, how it works can seem complicated and difficult for beginners to understand, especially with investing in BTC. Yes. all want to get more in this case, the cool term is Capital Gain from various types of investment instruments and of course also BTC in this case. Indeed, if interpreted, and it is generally said that investing is synonymous with "Money To Make Money".

Well, an easy and reasonable solution for achieving investment targets in crypto, for example BTC, start with installment trading, meaning that the more capital you disburse, the more your chances of profit will increase. Especially when you enter now.

[Gyfts]

LOW RISK-LOW RETURN : Like fixed deposit there is no chance of losing your money. Since it is low risk and low return investment, 5%-10% return will be available and not more than that. But in case of fixed deposit, you have to keep money in such a bank, of course the bank is approved by the government.

This is not meant to be pedantic but any vessel that you put your funds into which offer any degree of interest means you risk losing your funds entirely. Simple storage for your funds will incur a negative rate of return, because they're charging you a storage fee. A fixed despot entails the entity your depositing into to use those funds for investments, and they'll kick back a small level of interest based on those profits. If the institution you're using doesn't profit, you're out of those funds.

And a side note -- if the inflation rate is greater than the interest rate you're pegged at, you've guaranteed yourself a loss of purchasing power and can't withdraw without penalty. Fixed deposits are not as low risk as people think. The risk of losing your funds entirely is low, sure, but they don't necessarily make great investments even with stability safeguards.

[fuguebtc]

you are right but we can decrease risk by increasing our knowledge about investments. Real estate investment is best option and we can buy rental properties. Rental properties give monthly passive income without doing any work. Also, we can sale property when we get good deal. We can also invest in gold which is safe investment . Gold is safe when all assets value is decreasing. If we are financial literate then we can invest safely. We can invest in business if we completely understand that business.

Real estate investment also has risks if we don't understand it well, I think all types of investments must have risks that could harm us, as you said it is true that we really need an understanding of what we are going to invest so that we can anticipate if in investing we experience losses, don't let us just listen to people who have been successful in that field, so we try it without understanding anything about the investment.

Nothing is without risk, but risk can be avoided by equipping us with knowledge about the field in which we will be entering. It is undeniable that real estate is a good and safe investment, but to be able to invest in real estate, we need a huge amount of initial capital. And that is a huge barrier for many of us, while gold is quite stable so investing in it only provides safety, but the return is negligible. Why don't we consider bitcoin, a potential asset that can provide better returns than the other two investments? And we can start with any capital we can.

Real estate and gold are still good but it is only for people with a lot of money, and for us, it is no longer relevant. If we want to get rich, we need to make a trade-off and bitcoin is an opportunity for us to do that.

[superman184]

Real estate investment also has risks if we don't understand it well, I think all types of investments must have risks that could harm us, as you said it is true that we really need an understanding of what we are going to invest so that we can anticipate if in investing we experience losses, don't let us just listen to people who have been successful in that field, so we try it without understanding anything about the investment.

Listening to advice from people who are already successful is very necessary for novice investors in real estate, because those who are already successful will definitely explain in as much detail as possible about how they can be successful through this real estate investment. Apart from that, we can also ask about the risks we have to face when investing in real estate, although we also have to have our own understanding of this after seeing some people who have been successful through these investments.

Now you and everyone else can see which real estate investment can be more profitable with a certain level of risk, because real estate assets that are well cared for and located in a good environment will always be the target of many people. Especially if these assets can be used as business land that will be sought after by other business people when the environment around them becomes more advanced.

[Ahli38]

LOW RISK-LOW RETURN : Like fixed deposit there is no chance of losing your money. Since it is low risk and low return investment, 5%-10% return will be available and not more than that. But in case of fixed deposit, you have to keep money in such a bank, of course the bank is approved by the government.

For this one, in fact, if we research and understand that the value of our money stored in the bank has fallen considerably due to inflation in a few years and even the interest we get is not proportional to the decrease in value that occurs in the fiat that we save. So even though it looks like a low risk, I personally see no benefit from this one. But if it's fiat like USD then maybe well we can still benefit. But for fiats in several developing countries, in fact, many of them experience a decline in annual value, which can exceed 10%. Even last year I could buy instant noodles for Rp. 1500, - (0.1USD). But today I have to buy instant noodles for Rp.3000,- (0.2USD). Try to guess what percentage of the decline in the value of the fiat that I hold and what percentage of the increase occurs in the products I buy due to the inflation. And imagine if in one year I save my money in the bank. And this year I took and I spent. So if last year I could buy 2 items, this year I can only buy 1 item.

So after this I really don't dare to keep money in the bank for a long time. I use the bank only for transactions. Because transactions via banks are still comfortable to use and the bank system is increasingly practical and fast in this regard. And when it comes to investing, it's better to do something else. Or if you want to save the value of our assets then storing it in gold is the best.

[robelneo]

In such a situation we have to invest. Money should never be left in the bank.Money should be used in such a way that your money pays for itself. How scared we are to talk about investing. I keep thinking about where to invest and my money will run out. Many people have questions about where to invest and get safe and good returns.

Not all money should be put into investment, because we should also take into consideration the worse possible scenario, and money in a bank can save us on those rainy days, even the best investors and business owners have money in the bank, part of your portfolio is having money in a bank, it's not that you will put your money to sleep but you need money that you pull out when there's a good opportunity and there's an emergency something you cannot pull out if all your money is in all your business.

And about investing, you should invest in a business where you have knowledge of how to make it profitable, never invest in a venture out of envy or because you are invited.

[mvdheuvel1983]

So what are you trying to imply with these different risks of investments?

If it is about everyone needing to start investing then I agree but I would expect is there any way to make it possible.

Tip: Don't post wall of text unless it is necessary, it will be readable if you keep it short and explicit.

Summary of whats written by OP is below

Inflation is causing the prices of goods to rise, reducing the value of money. To combat this, investing is recommended. There are three types of investments:

Low risk-low return: Examples include fixed deposits with low returns but minimal chance of losing money.

Medium risk-medium return: Gold and real estate investments offer moderate returns but come with some risks like price fluctuations and potential fraud.

High risk-high return: Stock market investments have the potential for high returns, but they are volatile, and proper knowledge is necessary.

Mutual funds are a good option for those who don't fully understand the stock market. Properly researched investments can yield positive returns. Choose reliable options for a secure investment.

Thanks nemo for the summary.

Nobody should rush into making any investments because they want to escape inflation without understanding what the investment is all about. Besides, starting a business during an inflationary period is not advisable. During this period, the purchasing power of people have been reduced and they would rather save what they have than invest it. In some countries people look for alternative ways to save money during inflation. This is where bitcoin comes in. Investing in the stock market during that period requires careful planning and consideration. Not all stocks perform well during inflation.

[Inwestour]

Not all money should be put into investment, because we should also take into consideration the worse possible scenario, and money in a bank can save us on those rainy days, even the best investors and business owners have money in the bank, part of your portfolio is having money in a bank, it's not that you will put your money to sleep but you need money that you pull out when there's a good opportunity and there's an emergency something you cannot pull out if all your money is in all your business.

And about investing, you should invest in a business where you have knowledge of how to make it profitable, never invest in a venture out of envy or because you are invited.

Of course, you cannot invest all your funds, or rather, you cannot invest everything in one asset. If you can separate your funds into different assets, then this will reduce the risks. But also, of course, you should have reserves that you do not invest, but simply keep them in an accessible place so that you can use them any time you need them.

If you know how to split your funds into different assets, then it is unlikely that they will fail at the same time. But there is another case, when at the initial stage the capital is not enough to be able to share it, and in this case it is more important not to invest all the money that you have, but to have an available reserve.

It is not necessary to keep it in the bank, since banks cannot always respond quickly, if we need your money, so some of it can be kept in a safe.

[Helena Yu]

Don't make a target about your investment like you must achieve $10K, $100K, $1M, $10M etc because when you already reach it, you will feel temporary happy and then you fell nothing as you have achieved it. There's nothing wrong to get rich, but you must know it's only a number and you can't always become happy when you have a lot money. Surely you can buy anything you want, but you will know the true happiness in life sooner or later.

[usekevin]

Listening to advice from people who are already successful is very necessary for novice investors in real estate, because those who are already successful will definitely explain in as much detail as possible about how they can be successful through this real estate investment. Apart from that, we can also ask about the risks we have to face when investing in real estate, although we also have to have our own understanding of this after seeing some people who have been successful through these investments.

Now you and everyone else can see which real estate investment can be more profitable with a certain level of risk, because real estate assets that are well cared for and located in a good environment will always be the target of many people. Especially if these assets can be used as business land that will be sought after by other business people when the environment around them becomes more advanced.

Real estate will be the good one all the time,because investing in real estate will help in your future.Because we don't know when the price of real estate will increase,but it was sure one to give you good profit.It also help you to cash out at the emergency time.But before buying you should check the environment of the land,because it will be the prime reason for the pump in the price in near future.Their is not risk in real estate investment,once you check the clear back ground of the land which you going to buy.