Would you rather make your investments in FIAT or CRYPTO?

[kryptqnick]

The crypto market has an high level of volatility, anyone who is about to make an investment need to have a good understanding of the volatile market. Now the question is even with the volatility will you still choose crypto over fiat when it comes to making investments?

Investing in fiat is largely a ridiculous thing to do. Fiat functions in a way to encourage spending rather than storing the money. It loses value over time, and it's just a matter of how fast it's losing value, not a matter of it at some point recovering or gaining value (with very few exceptions). Sometimes, of course, people in countries with more volatile fiat put their money into less volatile fiat, and they can profit from it in comparison with their local currency. But that 'profiting' is still losing, just losing less. Bitcoin, on the other hand, is gaining value over time, even though there are major setbacks that can last a while. So, in the long run, I think investing in Bitcoin clearly makes more sense than investing in any fiat.

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[yudi09]

The crypto market has an high level of volatility, anyone who is about to make an investment need to have a good understanding of the volatile market. Now the question is even with the volatility will you still choose crypto over fiat when it comes to making investments?

It depends on the type of crypto because not all crypto is suitable for investment.
The mention of crypto is too general because there are many types, starting from Ethereum to the bottom of the marketcap list.
If you mention the many types of crypto, people reading can decide.
One thing that will definitely be my answer is that Bitcoin is my favorite choice for investing than fiat.
Investing in Bitcoin can provide a hedge against fiat currencies.

[sokani]

The crypto market has an high level of volatility, anyone who is about to make an investment need to have a good understanding of the volatile market. Now the question is even with the volatility will you still choose crypto over fiat when it comes to making investments?

Poor economic policies has made my local fiat to be losing its value against the US dollars, and two weeks ago the Nigerian naira fell to the lowest level ever. Judging from the body language of the current administration, I'm not convinced enough that the policies they've mapped out can revive the naira. For that reason, I choose to have more of my savings in cryptocurrency (preferably stablecoins and Bitcoin). This will give me the opportunity to sell at the current exchange rate whenever I've need for cash since the value of naira is steadily declining.

[Mame89]

The crypto market has an high level of volatility, anyone who is about to make an investment need to have a good understanding of the volatile market. Now the question is even with the volatility will you still choose crypto over fiat when it comes to making investments?

Fiat is not for investment, even if it is kept in the bank, you will not get any profit because every year fiat experiences inflation. It might be better to invest your money in real estate or gold.

If the crypto you are investing in is an altcoin then it is also not the right choice, maybe most people think that investing in crypto is about buying coins and letting them ride, but it takes a lot of analysis to be successful. It is better for you to invest in Bitcoin as it is the best option to make profits in the long run. Investing in Bitcoin is still the best decision I have ever made

[Latviand]

Crypto itself is an investment already. Form of investment on the other hand is a different thing to talk about. But if it is general preference, then I’d say I prefer using fiat on my investments outside this industry, and let my crypto investments still. There’s no need to choose if you can engage to both. Crypto in the first place still has its limitation with regards to its accessibility, acceptance, and usage. With FIAT as a medium to investments, it also has its pros as well such as having a fixed value of exchange, which I prefer more especially with stocks and some real estate properties.

Yes, diversification can work but there's a problem with that and that is the capacity of the person in terms of emotional capacity and financial capacity, what I mean by that is that there's a people that might never be able to handle multiple investments because they're too busy about other things or they're getting confused and anxious on what to do when their investments aren't doing good and with financial capacity, I think everyone knows what that is already. My point here is that as much as diversification is a beautiful thing to do if you want to invest, you've got to be prepared of the stress and the money you're going to put in because if you're not ready for whatever that's coming, you will end up breaking down trying.

[Sophokles]

The crypto market has an high level of volatility, anyone who is about to make an investment need to have a good understanding of the volatile market. Now the question is even with the volatility will you still choose crypto over fiat when it comes to making investments?

Fiat is a currency not an asset, so there is no point on investing in a currency when we all know it will lose its value eventually. On the other hand if you were thinking about bitcoin when you made the title about "FIAT or CRYPTO" then it is a obvious choice that bitcoin was the best option. SEC already acknowledges bitcoin as a commodity and its market data shows it is one of the best choices to fight the inflation. So the obvious choice will be to invest in bitcoin.

[Agbe]

I believed all answers will narrow to one direction. And the answers would be crypto (bitcoin) because nobody will see what is happening in the world and will choose fiat. It is only those who have no knowledge about bitcoin will choose fiat since they don't have anything to do with bitcoin but for those who are deeply involved in bitcoin will definitely choose bitcoin over fiat. Since when I have been using fiat currency, storing it in my bank account for months and days, I haven't seen any small increase instead they are cutting or deducting me every month. And now that I am enjoying cryptocurrency, I don't think I will still go back the old banking method. Even if I use it. It is just to buy basic things and empty the account for them. And anything investment is cryptocurrency and specially bitcoin.

[rachael9385]

Even if one wants to invest in a fiat currency, it is not advisable for the person to invest in a currency that is lower than his/her currency, because the person will not gain anything rather than lose from the investment.
Crypto-currency investment is the best thing. However, it is not guaranteed, but it is a little bit safer than fiat. That is because the fiat currency is controlled by the group of governments, but crypto-currency is not controlled by anyone and that is one of the reasons why some governments are scared of it.

[SatoPrincess]

The crypto market has an high level of volatility, anyone who is about to make an investment need to have a good understanding of the volatile market. Now the question is even with the volatility will you still choose crypto over fiat when it comes to making investments?

I believe you meant to say saving in fiat because I don’t think there is a thing such as investment in fiat? For me, I live in a third world country, the local currency is always less valuable than the US dollar. So saving money in USD can said to be an investment because it gives you an hedge against inflation. It’s a good strategy that works for me because I can always trust the corrupt politicians to mess up the economy but I wouldn’t over saving choose that over buying bitcoins. Instead of looking at which is better, it would not cost you anything to do both.

[bayu7adi]

Until now, cryptocurrencies have proven to be more profitable to hold than traditional money/FIAT. we understand that the ups and downs in their value can lead to quick losses, which is a risk when you own cryptocurrencies. However, history shows that every year, the price of Bitcoin, for example, consistently goes up. This means we can embrace cryptocurrency with a long term strategy that is certainly more beneficial. So far, cryptocurrencies not offering quick profits, as it all requires patience.

Bitcoin is currently the most reliable favorite cryptocurrency. We can save Bitcoin for the future, assuming we've already allocated money for daily needs. With a defined budget and regular accumulation, at the very least, we have a chance to live comfortably in our old age and leave a substantial legacy for the next generation.

[Samlucky O]

The crypto market has an high level of volatility, anyone who is about to make an investment need to have a good understanding of the volatile market. Now the question is even with the volatility will you still choose crypto over fiat when it comes to making investments?

You have to provide more details about what you mean by cryptocurrency. Like are you comparing between Usd and BTC or USD and Doge? Because this section is only concerns about BTC not about doge or any other token.

Besides this, I will prefer to invest in BTC instead of investing in fiat. Because my friend earned $1500 and I earned $1500 few months back, he kept them in fiat I kept them in the form of BTC and now I made around $250 plus on my $1500 amount and he is not. I hope you got the answer.

Where you choose to invest your money should be determine by time factor or when to use it. I think the money you can keep in bitcoin is a money that is not needed urgently because if it's a money that needs to be used in a short time, you might run at lost or gain but more secure in USDT because it's stable. Investing in crypto is like gambling your money. If paraventure this money you gained $250 in an investment of $1500 was vise versa you lost $250 out of $1500, what would have been your perspective on bitcoin? So different people have different experience on bitcoin investment so your happy story might be a sad one to another. That is why we always say that Bitcoin investment should always be a long term investment in other not to Lost your fund.

[The Cryptovator]

As we know, Bitcointalk is a cryptocurrency forum, and members of this forum are cryptocurrency enthusiasts. So as usual, the answers will be on behalf of cryptocurrency. As a crypto lover, I feel cryptocurrency investments are better than offline investments. Though cryptocurrency investments are highly risky and not for everyone, the ROI is also very high. Before making a cryptocurrency investment decision, you have to consider a lot of things. You shouldn't jump into cryptocurrency investments without knowing them very well. Otherwise, you may become poor instead of rich. So it's a matter of timing and learning. We have to enter at the perfect time, and at the same time, we have to leave on time. Before making cryptocurrency investments, we have to develop our skills and knowledge.

[tjtonmoy]

When you have the chance to have both, why should you choose only one? I got the point that field currency is not immune to inflation it happens quite often. But when you invest that Fiat money, whatever investment you choose, if done right then it could obviously increase your asset and give you a profit. Cryptocurrency or Bitcoin to be exact is immune to inflation which is true but the volatile nature of the Bitcoin market is an issue too. There's no guarantee that you will only make profits by investing in Bitcoin.

As we are speaking about investment I am pretty sure we are not talking about holding asset in Fiat or Bitcoin. If holding assets is the case then Bitcoin is the perfect choice in the long run. But if we are talking about investment then the investment could come into any form. Could be a business or could be something else entirely. But if you know how to make profits out of those investments then it doesn't matter if it is Fiat or crypto.

We can make good use of both of them. But it is said to only invest what you can afford to lose in Bitcoin. When you are trying to make a living from your investment, I don't think only investing what you can afford to lose will do the job. So have both option in your hand and make a good use of both of them in order to achieve success.

[Renampun]

The crypto market has an high level of volatility, anyone who is about to make an investment need to have a good understanding of the volatile market. Now the question is even with the volatility will you still choose crypto over fiat when it comes to making investments?

The decision to invest is everyone's personal choice, but for me personally, investing in the crypto market will be much more profitable than investing in fiat. Fiat is indeed stable, but can a stable investment provide benefits? Of course, that's not the case, so just investing in cryptocurrencies can provide benefits for anyone rather than investing in fiat currency issued by a country.

[kentrolla]

There are two aspect which I would consider when you ask me to choose between crypto and fiat and I have mentioned them below:

1. Bitcoin over Fiat for long-term:
I would always prefer Bitcoin over any fiat because Bitcoin will surely be there unlike some altcoins and also it's value will increase further and let's say if you have invested an amount in fiat and after few year and you got certain percentage of interest, if you try to withdraw you will surely get interest as a profit but it will never match the level of inflation but on the other hand Bitcoin will give you handsome returns for sure which will beat inflation. This, i would choose Bitcoin for long term.

2. Altcoin over Fiat for short term: (never for long-term as Bitcoin will be first preference for longterm)
If it's a short time investment or daily trade sort of thing I would choose Altcoin because they are more volatile than bitcoin but altcoins are double edged swords as either you can become 10x 100x times richer or you will be just holding digital number which means nothing in real world. But for daily trade with high risk where I want to earn more in less time without bothering about risk factor I would go with Altcoin. Not the NFT and memes though.

[nakamura12]

I'll just give you a short explanation and answer. It's entirely depends on the platform where I am going to invest since there are fake investment in fiat which my brothers and sisters invested but ended up losing all their money because it was a scam. In crypto, it is still the same but if you know some platform or website that you have already invested in it then it is safe atleast since you have tried it already. This is what I do, I save some BTC and also sell some of it into fiat (more like a pocket money if we compare it).

[Distinctin]

The crypto market has an high level of volatility, anyone who is about to make an investment need to have a good understanding of the volatile market. Now the question is even with the volatility will you still choose crypto over fiat when it comes to making investments?

Definitely in fiat and in crypto. You don't need to chose between the two because if you want to assure and maximize your investment profits, you will take risk both in fiat and in crypto. Despite of its market volatility, as long as you know how to manage and control the risks in your investment, then you don't have to worry on losing your investment because being knowledgeable on your chosen investment is already an edge to free yourself from losses. Aside from that, if you have gained varied experiences in the market that makes you an experienced and skillful in trading or investing, then worrying to lose your capital is nonsense. Although there might be inevitable losses on the process, but that is nothing compared to what you can get when your investments end up successful and profitable.

[Dunamisx]

The crypto market has an high level of volatility, anyone who is about to make an investment need to have a good understanding of the volatile market. Now the question is even with the volatility will you still choose crypto over fiat when it comes to making investments?

Definitely in fiat and in crypto.

Why should I invest in fiat and count that one as an investment, if some people do go extreme by making their cryptocurrency investment with exchages or other centralized means then we should know it that we are only taking such risk from our own end, at least one should also know that bitcoin Investment had more assurance and reliability than when we are investing on altcoins in cryptocurrency, I don't think i can choose fiat in this regard as my preferred Investment currency when i knew about bitcoin.

[bayu7adi]

Definitely in fiat and in crypto. You don't need to chose between the two because if you want to assure and maximize your investment profits, you will take risk both in fiat and in crypto. Despite of its market volatility, as long as you know how to manage and control the risks in your investment, then you don't have to worry on losing your investment because being knowledgeable on your chosen investment is already an edge to free yourself from losses. Aside from that, if you have gained varied experiences in the market that makes you an experienced and skillful in trading or investing, then worrying to lose your capital is nonsense. Although there might be inevitable losses on the process, but that is nothing compared to what you can get when your investments end up successful and profitable.

Losing money due to possible losses can be a valuable lesson for investors who are still learning. Evaluation is always necessary so that in the next trading experience, an investor can do better. Crypto's volatility can indeed be challenging, but sometimes it's just a matter of an investor's emotions getting the best of them.

So far, crypto investment remains my favorite compared to traditional currency or FIAT. It's a testament to the financial freedom that could potentially evolve the world of digital payments. For me, investment can be made in any instrument as long as it generates income and has a positive impact.

[suzanne5223]

The crypto market has an high level of volatility, anyone who is about to make an investment need to have a good understanding of the volatile market.

Yes, but the volatility of cryptocurrency is the reason why it presented great opportunities and it's also the reason why it's an outstanding asset in the investment space.

Now the question is even with the volatility will you still choose crypto over fiat when it comes to making investments?

I will always choose crypto over fiat currency anytime and day. It is not something that's hard to know that the end of the era of fiat currency is getting closer and people are looking for alternatives in crypto.