Do you believe in savings or investment

[Z_MBFM]

Saving and investment both are needed. Saving doesn't make you money but investment can but saying so, you should never underestimate the importance of saving.
Even if you are extra cautious, investment won't always be on your side. All of our modern economic concept are based on increasing demand be it for iphone or cars or crypto and stocks but we are nearing a spot where there's no more population growth on developed nations. It means our investment are getting riskier than ever. And saving are at least not lost unless there's hyperinflation.

Yes both is important for us. Money can be profited through investment and saved from inflection, but where there is profit, there will also be loss. loss must be accepted in the case of investment. But savings will be safe. Savings will require a separate source of income from which to make savings. But investment will be a source of income in this case there will be no problem even if there is no other source of income. that is different between savings and investment

[1715500243]

1715500243

[justdimin]

there is a big possibility that if we only have or do one of these two things it might be disrupted, but in my opinion it depends on us ourselves. Because if our finances are stable and if we only have savings, this possibility will not be disturbed even if we just save. I have a friend whose finances are very stable, he doesn't make investments but he saves in many banks, where he chooses which bank to save and not to disturb his funds, and saves for financial funds that can be withdrawn at any time as long as we need them, in my opinion this is depending on our own finances and the way we manage our finances.

It would be a shame if the investment made had to be sold at the wrong time. Of course we want the best, including profits, which are the most profitable point, but if we sell it at the wrong time, of course it is not a desire but a compelling situation, so we have to do it even though the profit is not much or even at a loss. Therefore, before making an investment, in my opinion, we must have a reserve fund or emergency fund or other savings to deal with unexpected things, don't let the investment made be disrupted at the wrong time.

Sometimes life pushes you to sell before you want to, normally the mindset "do not invest the money you can't lose" is true, but sometimes you can't calculate which money is the one you can or can't lose. Yes it is true that I am not investing 100% of my salary, probably just 10% in normal cases, and lets assume that I collected 3X worth my salary in bitcoin, and I do not need it so it is a great investment right?

What if I get sick and I have to pay my medical bills with it? In that case, how could I know it before it happens? Should I have both bitcoin investment AND rainy day investment as well? All in all, sometimes things are not as good as we hope it would, life sometimes hurts you just as you are down, and I am in one of those days unfortunately, been like that for over a year I think.

[dunfida]

there is a big possibility that if we only have or do one of these two things it might be disrupted, but in my opinion it depends on us ourselves. Because if our finances are stable and if we only have savings, this possibility will not be disturbed even if we just save. I have a friend whose finances are very stable, he doesn't make investments but he saves in many banks, where he chooses which bank to save and not to disturb his funds, and saves for financial funds that can be withdrawn at any time as long as we need them, in my opinion this is depending on our own finances and the way we manage our finances.

It would be a shame if the investment made had to be sold at the wrong time. Of course we want the best, including profits, which are the most profitable point, but if we sell it at the wrong time, of course it is not a desire but a compelling situation, so we have to do it even though the profit is not much or even at a loss. Therefore, before making an investment, in my opinion, we must have a reserve fund or emergency fund or other savings to deal with unexpected things, don't let the investment made be disrupted at the wrong time.

Sometimes life pushes you to sell before you want to, normally the mindset "do not invest the money you can't lose" is true, but sometimes you can't calculate which money is the one you can or can't lose. Yes it is true that I am not investing 100% of my salary, probably just 10% in normal cases, and lets assume that I collected 3X worth my salary in bitcoin, and I do not need it so it is a great investment right?

What if I get sick and I have to pay my medical bills with it? In that case, how could I know it before it happens? Should I have both bitcoin investment AND rainy day investment as well? All in all, sometimes things are not as good as we hope it would, life sometimes hurts you just as you are down, and I am in one of those days unfortunately, been like that for over a year I think.

There are really situations in life on which leads up you on having no choice but to spend up some part of those salaries on which you are intending to save it up or make investment on which it is really that giving
that kind of disappointment on some condition but we do know that not everytime we would really be on such situation. Never ever make yourself that missed out on having no savings because not all moments or situations in life on which we are really just that find when it comes to finances. We dont really know what comes next in life on which it would really be that resulting into that kind of shock if you do find out that
you dont have savings or money that you could make use on.

On the time that you have seen such shortage then you would really be definitely making up some consideration on adding it up since it was not enough or short. Wise people would
really be able to see investment or business the way or method on making savings a little bit more bigger and faster but of course its never been easy and simple.

[Tigerheart3026]

saving and investment both have importance in a people life, because if you invested all of your money then if suddenly you need to money when you will suffer,
so saving is also very important, and it will be very helpful when you will face trouble. i am investing 60% and rest of the money for saving, although saving is loses because of inflation.

[Jody.Drummer]

saving and investment both have importance in a people life, because if you invested all of your money then if suddenly you need to money when you will suffer,
so saving is also very important, and it will be very helpful when you will face trouble. i am investing 60% and rest of the money for saving, although saving is loses because of inflation.

I agree with you, indeed these two things have their own importance. I think saving is a necessity for all of us, because parents must teach their children to save from an early age because that is one way to manage finances well, and saving is not a bad thing, especially when we have the desire to own an item or asset. or something else, of course we have to save to be able to have it, save from the income we earn, also when we don't have income or don't work, there are people who force us to save and I think that's good.

Investment is also a good thing, because it has the potential to generate profits within a certain period of time. It's just that not everyone can do it because to make an investment we must have sufficient knowledge and skills in carrying it out. It is impossible to invest without good knowledge because if you do that you will most likely just lose money. and before investing we also have to think about other things such as preparing savings that are needed occasionally, it is true that what you said is impossible for us to invest all the money we have, because when we suddenly need money it might be a problem.

[Sorryfor]

Between saving and investing I would personally choose investing. In the case of saving money, after a long period inflation occurs in the country and through this money brings its own losses. On the other hand if invested it has the potential to get a huge profit along with its principal after a long period of time. But to invest you must invest in the right place and at the right time. Apart from this you have to test your diligence and patience here.  As a result, you can get substantial profit from here at the end of the day. This is the case with material investments. On the other hand, investing in cryptocurrencies, such as Bitcoin, if you do it now, is most assured that you can make a huge profit without your hard work just by investing and holding it. So in this case it will be easier and more fruitful to invest in crypto currency knowingly and taking the right decision.

[Altryist]

saving and investment both have importance in a people life, because if you invested all of your money then if suddenly you need to money when you will suffer,
so saving is also very important, and it will be very helpful when you will face trouble. i am investing 60% and rest of the money for saving, although saving is loses because of inflation.

Saving should also be comfortable, for this you don't need to deny yourself everything in order to save. And an even bigger mistake is when you think that you have found an excellent investment and you need to invest all your savings in it, even if it seems to you that this is the best investment in the world, then you should invest no more than a third of your funds in it. Investments can be unprofitable, and if you divide them into different assets, it will make your portfolio more reliable. Saving is important, but it's also important to increase your earnings so that you don't end up in a situation where you have to pay back the money you invested, because you have nothing left to live on.

[Moreno233]

saving and investment both have importance in a people life, because if you invested all of your money then if suddenly you need to money when you will suffer,
so saving is also very important, and it will be very helpful when you will face trouble. i am investing 60% and rest of the money for saving, although saving is loses because of inflation.

What I understand as saving is actually investment. I do not understand why some people have separated them and try to make them totally different. If I have some money now, I can decided to invest it in Bitcoin as a way of saving it for the future and before doing this, I will keep the money meant for my basic needs and money kept aside for emergencies in fiat, then the rest goes into Bitcoin. If it is real estate, another area of investment I like, I will still do the same. As of now, all my money are in Bitcoin and real real estate and until I find out another reliable investment opportunity, I do not plan to change this for now. Both of these instruments are my ways of saving for the future. I do not really see keeping fiat in the bank as saving, that pattern is obsolete because the fiat will be destroyed by inflation.

[BABY SHOES]

If you want to be very rich then of course you have to choose the investment route because no matter how saving it will not make anyone rich, it will actually be drained by inflation and the fiat value will get lower, maybe the nominal value will remain the same but the buying and selling power of goods will increase in price because of this. influence of inflation.

A teacher or lecturer who becomes rich will certainly not rely on their salary behind the business they run or new investments. They can become rich because they can increase their wealth from investments, whereas if you rely on saving from your retirement money it will be drained away.

I once heard a saying in an article about saving and investing.
Saving can make yourself safe because you hold fiat but you will not be rich.
Meanwhile, with your investment there may be risks, but behind that you will definitely get big profits that will make you rich.

That's what I understand in the saying.

[freedomgo]

Saving and investment both are needed. Saving doesn't make you money but investment can but saying so, you should never underestimate the importance of saving.
Even if you are extra cautious, investment won't always be on your side. All of our modern economic concept are based on increasing demand be it for iphone or cars or crypto and stocks but we are nearing a spot where there's no more population growth on developed nations. It means our investment are getting riskier than ever. And saving are at least not lost unless there's hyperinflation.

You've said it all. Even while investing,  we still need to have savings to meet up with emergency situations.  It is never adviceable to invest everything you have, what else do we fall back to in times of emergencies? Savings can also be necessary when we have a project at hand that needs to be completed, every little drop of money leads to a significant achievement. While we advise people to invest for the sake of the future, we should not neglect the power of savings because many investments wouldn't be viable without the power of savings. This two compliment  each other therefore,  none should be neglected as they are both important. Save for the rainy day and invest to get more returns.

Exactly. One who never gets to save might not be capable to invest as well. So always save first and when you’ve gained sufficient funds to build up as your capital, then take some risk and invest. However, all investments take risks so you should be cautious and always study your investment first before finally putting your funds into it. At least you’ll gain higher probability to succeed.

On the other hand, you should also continue saving while investing. Not all investments will be successful and will work based on your plan, so save so you can have some back ups in case investments are not meant for you.

[Essential10]

A person has to struggle to save some amount of money to meet all the monthly expenses. With this accumulated money, you plan to meet the additional needs of your daily life or secure the future of your family. So if you have some money left over after calculating your monthly expenses, that money should be used wisely. If you think you will need the money in the next few years, you can save your money in an account that gives you high returns. But if that doesn't satisfy you then you can invest your money in a trusted source like Bitcoin and you can expect to more than double your money in the future.

[Orekelewa Ade]

Saving without investing it is a total waste of time because the money wouldn’t grow except u keep adding to the save but if you invest the savings it would yield more despite the facts that there are risks but I prefer investing than just letting the saving be
You might just wake one day and still deep into the savings as time goes on before you know it, it’s gone but investing yields more interest

[Kliss]

What do you think?

Savings are typically money set aside for short term  goals or emergencies. Investment involves putting your money into assets or ventures which the expectation of generating a return or profits over the period of time it's like planting seeds to grow a tree that will bear fruits in the future. I do believe in investment and I think is of making profit and increasing your income and earning and after making profit from investing money can be set a aside to be saved for other purposes. Just savings will not grow the money but Investing that savings can grow your money and double it.

[Zanab247]

Saving without investing it is a total waste of time because the money wouldn’t grow except u keep adding to the save but if you invest the savings it would yield more despite the facts that there are risks but I prefer investing than just letting the saving be
You might just wake one day and still deep into the savings as time goes on before you know it, it’s gone but investing yields more interest

Saving money without investing them on a project, it will not multiple your profits which is the reason why you see some people in the environment who was very rich before but they are no longer rich again because, they didn't invest the money on a project that made them to spend all the money for other things.

There is no way you will not spend the money to buy things that will be making people to know that you are living a good life but when the money finished, it is then you will regret for not investing the money on BTC or crypto investment which is the easiest way people use to increase their wealth.

[milewilda]

Saving without investing it is a total waste of time because the money wouldn’t grow except u keep adding to the save but if you invest the savings it would yield more despite the facts that there are risks but I prefer investing than just letting the saving be
You might just wake one day and still deep into the savings as time goes on before you know it, it’s gone but investing yields more interest

Saving money without investing them on a project, it will not multiple your profits which is the reason why you see some people in the environment who was very rich before but they are no longer rich again because, they didn't invest the money on a project that made them to spend all the money for other things.

There is no way you will not spend the money to buy things that will be making people to know that you are living a good life but when the money finished, it is then you will regret for not investing the money on BTC or crypto investment which is the easiest way people use to increase their wealth.

Not all would really be having the proper knowledge and skills and this is why they wont really be risking out on having that kind of step on trying to dive on investment or business just because you do really need up
to have one because it was advises or recommended. Everything would really be that depending on how you would really be having that kind of approach and its better not to make yourself that getting forced
on doing so so that you wont really be having those kind of rushing up yourself on which this is really that prone to tons of mistakes and errors on which this is something that you must avoid.

Savings isnt really that bad or something that would really be that crucial too because we do have that unpredictable times when it comes to those emergencies on which we know that this is something that really
needed to have funds on something like this. If you dont have then you would really be finding yourself on such big trouble and this is something that you do make yourself that consider
on having but we know that there are ones who are really that risks takers who would really be doing such step too.

[yohananaomi]

Saving and investment both are needed. Saving doesn't make you money but investment can but saying so, you should never underestimate the importance of saving.
Even if you are extra cautious, investment won't always be on your side. All of our modern economic concept are based on increasing demand be it for iphone or cars or crypto and stocks but we are nearing a spot where there's no more population growth on developed nations. It means our investment are getting riskier than ever. And saving are at least not lost unless there's hyperinflation.

Yes both is important for us. Money can be profited through investment and saved from inflection, but where there is profit, there will also be loss. loss must be accepted in the case of investment. But savings will be safe. Savings will require a separate source of income from which to make savings. But investment will be a source of income in this case there will be no problem even if there is no other source of income. that is different between savings and investment

Really agree that both are very important and can complement each other with something that might happen. With investment, it is true that you will be able to make a profit, and you may experience a loss, so when something undesirable happens, savings is the solution to solve that problem.
Saving clearly means setting aside a portion of what you earn to save, while investing means taking a portion of your savings to make an investment. In fact, the two are different but have one goal and need each other.

[tottong]

For long have been around here seems like people who belongs to this world think much of investment than savings while the real world focuses more on savings but if I could recall correctly, any money in savings doesn't yield and add to the account while investment is what gives us money or profits at every end of the day week or month irrespective of how little it could be it's better to have investment than savings.

Almost everyone at primary and secondary school still considers savings to be one of the best things because our parents taught us to save.
But as we enter adulthood, we experience changes where every time we save, it never provides more benefits than the savings we have. Instead, we are more likely to try to look for opportunities in investment to increase income.
People's affiliations may be different because they may see business as a means to achieve wealth and some may be familiar with the term investment in increasing profits from the capital they have.

What do you think?

Both savings and investment have their own level of importance, but if we want to reach the stage of wealth we must be brave enough to take the risk of investing because in this way we can get more profit from the amount of money we have.

[SOKO-DEKE]

For my observations, I view it as follows, many people trying to save money for future purposes in the bank find it difficult to discover the good investment opportunities that will add profits; if many should have found the opportunity, they will utilise the opportunity. In fact, how much are teachers earning per month in some countries so they can save a certain amount of money to invest? That will not stress them much if there is no Bitcoin, and many people are not aware of Bitcoin like that, and some people may be aware that many of their countries did not legalise Bitcoin, so apart from cryptocurrency, I don't think there are other investments that only require a certain amount of money to start with. 

[ChiBitCTy]

saving money is actually a loss because the value of your money the purchasing power of your money will decrease due to inflation. because the value of inflation is always higher than the value of bank interest. so saving money is actually a loss not a gain.
So investing and saving is good and good which one is of course investing is better than saving.
iam preffer investment if compare saving

This is short sided and not necessarily true.  It all depends on the rate of inflation. "Saving" money can also mean several different things.  Right now here in the United States you can find savings accounts paying around 4-5%.  If inflation is say , 3%, then technically you aren't losing anything.  There are some sort term CDs that beat the rate of inflation currently.  Again, savings can mean a lot of different things.

[red4slash]

Usually when I talks about investment doesn't mean we shouldn't have an emergency fund at least before one venture into investment he should have savings in form of cushion or a reserved amount that is kept beneath for any emergency purposes otherwise not all monthly salary should be keep as savings rather allocate some percentage to the investment. Just as you already have said, when monthly salaries comes you should be capable enough to keep make out savings and investment and this savings doesn't mean you keep huge amount of money somewhere waiting for emergency to come before using those money. If you sense that keep that money without putting in a better place to yield for you then there is no need to have all your money into an account and be expecting for an emergency to come up before using those money so as investor you should know the amount that can serve you for the period of one month while the rest should into investment.

Agreed, it doesnt mean that when only focusing on the investment that is done we do not need anything for daily life and it would be very silly if we do not have any emergency fund because the future cannot be predicted and we will not know what will happen in the future so the emergency fund is still very important regardless of whether it will be used or not I think it does not matter but it must still exist.

We must realise that investment is not limited to just saving and taking it when we need something without seeing the advantages or disadvantages that we have because the concept is not like that. This requires a longer period of time so we must be able to manage and balance our needs in everyday life, investments and emergency funds that must be owned.

Dont just have an investment then we forget this because even though emergency funds are sometimes considered trivial but in some conditions it is a very important thing and must exist.