Topic: Is it better to save money or invest it? - page 278. (Read 1181228 times)

yes that is right but i think it is too much time consumer to get a good profit. i think now people do not wait for such a long time they. they want profit on hand. therefore i think bitcoin is the best option. where you an get a good profit from short term investment as well as from long term investment. and if you invest your money in alt coin there also you have good chance to make money in a very very short period of time.

Of course, you have to do both, that's a given, isn't that obvious?

I never said that if you invest on something you don't have to save money anymore .

It's just that, it's better if you invest your money rather than just saving it and just waiting
for your payroll to increase your savings.

For me, if you will hold something for longer than 1 year it's investment otherwise it's cash or trade. I find incorrect to name everything as investment if it will be sold or spent after a couple of months/days/hours.
Investment is made based on liquidity. Most liquid things are cash and gold. Least liquid asset is real estate. Gold is an interesting thing as it could be both saving and investment depending how long you will keep.
Short term (also know as short run in economics)  is the period of less than 1 year.
So, for me, day trading in forex/stock exchange, short term time deposits/savings accounts or short term bonds are not investments. Those are very liquid as much as cash.
Even, if you buy a house and if you sell it after 3 months it's not an investment, it's cash or it's a trade as you didn't hold that house for medium/long term. For me, you should be called as trader, not an investor.

As to "saving is just another name of cash", I meant saving = saving small monies from monthly income. If you are saving those small monies to spend in the summer holiday or to give some money to your friend and get back the money in the next month it's not investment. But if you are paying small monies monthly to a retirement plan or to a mortgage debt it's an investment as you will not get your money back in short term.

LOL! He wants to say that investment is good if you are just going to invest your excess or spare money that you aren't going to use for almost 12 months. And he thinks that investing is just another terminology of cash, no names included that he wants to call cash in other terms. Well I got also difficulty on understanding what he wants to say.

I don't know what are you talking about, and you said saving is just the another name. What name? . Save and invest is really different, and there are a different between two of them.

In my opinion investment is the excess money that is unlikely to be needed in the next 12 months.
Investing is better if you have such excess money. Saving money is required to invest that money. For me, saving is the money that was not spent or invested, is just the another name of cash.

Above those 3, I can say that real estate is the best option to choose because it is 'almost safe' because the price of your asset (the properties) always go up after a few years so it is a very good idea to invest in. Investing and saving is not a choice because you need to do them both because if you don't save money then you can't invest. That is very simple, So we don't need to choose from those two. Just do both

You know! investing in gold is a great idea the price is steady you can store it for a very long time and even if the
economy collapses you can still use it for swapping for goods and other stuff.

Investing in real estate is one of the best ways to invest your money the price of the house, building,
apartment etc... keeps rising, but you need a huge amount of capital to invest in real estate.

Business is another best way to invest your money, you can invest in business ranging from small capital
to big capital, all you have to do is pick or think of a business that will become popular but all of its
progress will be in your hand.

Of course, you need to learn the system of the investment you are going to choose, it would be stupid
if you invest on something that you have no idea how it works or how to run it! right?

That is why! Saving money without interest it is the worst way to go!

I don't think you got the point. Saving is called saving because you don't expect profit from it. It is totally different from investing where you are taking risk on your money to gain profit. In banks you don't expect to double your money but you expect it to be safe from theft or stealing. Keep in mine that Investing you might lose your money.

saving money, without any interest rate, is always the worst way to go

When you were talking about investment, you actually meant profit. I think investment in gold is better and easier than investments in land.
Investment in land needs a lot of experience in the field which is incomparable with buying some gold from a reliable source.
Saving money in bank is not the answer, Bank doesn't pay good interest. But investing in bitcoin is good option. Looks like bitcoin will hit more than 1,5k this year.

If you just stick to investing in legitimate investment options, then there isn't really the danger of losing all your money, unless the site or service or whatever else happens to go bankrupt. In the worst case you end up losing a certain amount of your intitial investment, but that's really it. Important is that whatever you choose to invest in, that it can be easily liquidated (whether it's with a loss or not, that doesn't matter in this case). If there is no way of liquidating your investment, then I would just avoid it. Even if they offer you very attractive returns.

Investing can be very dangerous if you do not have the experience about the field you want to put your money in and you might lose all of your money if you are not careful. THerefore, since bitcoin is very volatile, holding Bitcoin is very profitable and if you know when is the good time to buy and sell you bitcoin, you can have a good income

I think in the current world's situation there is nothing better. To cover your rear you need to find some ways to hold your wealth. For myself I chose fiat and bitcoin. From the beginning of the year I put some money on side and some part of bitcoins on side as well. I did so for two months already and results are satisfying me, more because of bitcoin keep growing 

If you want to earn a lot , go for the investment. I think, saving can help you very minimal of your earnings. We know that this kind of earnings cannot help you a lot. As far we can see, bank profits or interests is just a little and minimal for your earnings. We need a lot of money to survive, if we are just earning very little amount of money, then, we cannot survive with it

Wellbif you're thinking about profit, then you're right, saving won't generate a lot of earnings for you as your btcs will remain stagnant and will just rely on the price changes. But some people put security as their priority that's why they consider saving more important. Let's face it, we risk btcs whenever we invest. I've lost a regrettable amount of btcs already with wrong investments though i still consider intelligent investing better but we also need to have savings

for the moment have very many bitcoin really a very happy thing. but, save bitcoin we have is not going to make us have a lot of bitcoin in the future. Imagine, if the price of bitcoin be higher than this time in the future. so, I feel that the current investment, will make us a profit in the future.

I agree with you point. If we are willing to get into a new business in future then we must start saving money for that. In the meantime we can grow our skills, develop the required things and plan the future business. Then we can spend the money we have been saving for the new business.

The new endevour will be the new investment. So in this manner our saving help us get into a new investment. That is how the two complement each other and hence both are necessary in their own respective domain and cannot surpass each other.

That really depends on the type of investment you are making, when you are too confident with it and it's not too risky then it's alright. I know people who borrow money from the bank to start their business and they succeed, that proves it's possible to succeed as long as you do your job well.

Investing with the use of credits is not really going to be a good thing because you need to pay your obligations when you are operating your investment.

And instead of getting profits, you need to take cover and pay the interest rates that was in your credit.

Many people are in deep of debt and some of them are having hard time for paying it. Just save and invest at the same time so that you can have good returns.