Is it better to save money or invest it? - page 692.

Natalia_AnatolioPAMM

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Quote from: zuggu on May 21, 2015, 09:23:49 AM

Investing money in something is kinda risky,beacuse you can easily lose money even if you know what are you doing
on the otherside saving money can be also risky if you save it in the bank,there is always danger of inflation

golden rules of economy which derive entrepreneurs from office workers.

cparsley

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Back in the day it was savings=tie with inflation (as it offered (GASP!) a percentage rate of return).... Today, good freaking luck with that....

But if you can't beat the inflation rate with your investments, your taking on extra risk for what, still falling backwards? No thanks in my mind.

deisik

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Quote from: arallmuus on May 21, 2015, 11:55:32 AM

Quote from: deisik on May 21, 2015, 07:50:31 AM

Quote from: arallmuus on May 21, 2015, 07:15:48 AM

P.S: bank deposits are consider as investment itself and the safest I think

Obviously you are wrong. Treasuries (i.e. government debt) is the safest monetary investment out there

Not entirely wrong, "governments debt" are risky if you dont know what you are doing. Things are way different than the past where there are wars and debt are pilling up. On the other hand, bank deposits requires less work and knowledge for "investment thingie"

Do you really think that in case of warfare your bank deposit will be safer that the papers of the state this bank is located in and governed by? Just compare the number of banks going bust and states defaulting on their obligations...

arallmuus

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Quote from: deisik on May 21, 2015, 07:50:31 AM

Quote from: arallmuus on May 21, 2015, 07:15:48 AM

Quote from: freeyourmind on May 21, 2015, 12:18:36 AM

I'm curious as to why the size of principal matters?

Its common sense in investing. The bigger your principal is , the bigger interest that you will gain from it

Quite the contrary. The interest paid on the amount of money lowers as the latter grows, given the same level of risk. There are just fewer investment options for a billion dollars than for a thousand (or even a million). As I have mentioned it earlier, with 3-4 bitcoins you (well, me) can easily earn 1% daily by trading, while it becomes quite tricky (and risky) to keep the rate with greater amounts

AFAIK no, The interest rate increase or atleast stays the same no matter what your principal is. "Duration" matters as well , the longer you put in your principal the bigger you will get in return

Regarding the trading things, I do agree you could yearn more with this but not everyone are good at trading ( I am decent :p ). IF someone "win" in trading, someone will "lose". Thus this encourage people to invest their principal to someone else i.e bank deposits for a smaller interest rate , longer duration but much more easier since you will only need to sign some paperwork and transfer in your principal

Quote from: arallmuus on May 21, 2015, 07:15:48 AM

P.S: bank deposits are consider as investment itself and the safest I think

Obviously you are wrong. Treasuries (i.e. government debt) is the safest monetary investment out there
[/quote]

Not entirely wrong, "governments debt" are risky if you dont know what you are doing. Things are way different than the past where there are wars and debt are pilling up. On the other hand, bank deposits requires less work and knowledge for "investment thingie"

P.S : I may be wrong on this , here is an article about GOVERNMENT DEBT

Xialla

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/dev/null

saving money is investment...you are investing in stability of the currency, to trust of your bank and you just believe that tomorrow you will be able same amount of goods as today..

because of banks, regulations and inflation..well, I'm not sure if it is best practice. key is to spread (diverse) your fiat...to stocks, gold...and bitcoin. I'm holding in bank less then 20% of my total assets..

BTCevo

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Quote from: Dotakels on May 20, 2015, 09:35:23 PM

Quote from: BTCevo on May 20, 2015, 01:58:54 PM

Quote from: Dotakels on May 19, 2015, 09:53:08 PM

Quote from: MJK on May 19, 2015, 12:02:37 PM

Quote from: Agestorzrxx on May 19, 2015, 12:50:01 AM

Save money is a bad idea, it like you lent your money to rich people, and make them more richer. Find a right way to invest your money, you can earn more.

How the hell is saving money a bad idea? You don't have to keep it in a bank, and investing your money just for the sake of it is a good way to lose it all especially if you don't know what you're doing.

hahah its not good to lose your money that you hard work for it. Theres some investment that have a low risk so that you will assure that your money won't be lose. But saving is not a bad idea.

If it lose for the investment I think it will worth because there is a chance that you get back all of your money with some interest or may be to lose all of it and get the experience so I think both of it will worth. If there is a risk your money must be on the bet so it will lose anyway altough it has a low risk on the investment because we can't predit anything what will happen in the future

But he didn't say that lose in investment he only said that loss your money in a nonsense thing. If your money loss in investment its ok, because at lease you have experienced and you know what strategies and you can now success in your investment.

You didnt understand me at all. I said that earlier and you post the same about what I said before. I said if he lose his money on some investment that will be ok because its worth enough. So what is the point your post?

AtheistAKASaneBrain

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Quote from: Pab on May 20, 2015, 06:10:35 PM

For sure not to invest on Real Estate ,that flood of printed money created one big bubble
stocks at that level the same ,part of money in bitcoin can be good saving,just be careful,if you can find save asset,it can be good,gold is over manipulated,so it is hard

Generally i think it will be crash on stocks,real estate,after crash,if you have cash you can invest more aggresive

In some countries I think the prices of real state are at it's lowest. Can the prices keep going down? in brazil some people has made fortunes, spain is also at all time lows with real state. How can it keep going any lower?

NorrisK

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Quote from: zuggu on May 21, 2015, 09:23:49 AM

Investing money in something is kinda risky,beacuse you can easily lose money even if you know what are you doing
on the otherside saving money can be also risky if you save it in the bank,there is always danger of inflation

Inflation and taxes will currently cause you to loose money when saving. Saving is not the way to make your money work for you currently.

zuggu

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Investing money in something is kinda risky,beacuse you can easily lose money even if you know what are you doing
on the otherside saving money can be also risky if you save it in the bank,there is always danger of inflation

deisik

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Quote from: arallmuus on May 21, 2015, 07:15:48 AM

Quote from: freeyourmind on May 21, 2015, 12:18:36 AM

I'm curious as to why the size of principal matters?

Its common sense in investing. The bigger your principal is , the bigger interest that you will gain from it

Quite the contrary. The interest paid on the amount of money lowers as the latter grows, given the same level of risk. There are just fewer investment options for a billion dollars than for a thousand (or even a million). As I have mentioned it earlier, with 3-4 bitcoins you (well, me) can easily earn 1% daily by trading, while it becomes quite tricky (and risky) to keep the rate with greater amounts...

Quote from: arallmuus on May 21, 2015, 07:15:48 AM

P.S: bank deposits are consider as investment itself and the safest I think

Obviously you are wrong. Treasuries (i.e. government debt) is the safest monetary investment out there

arallmuus

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Quote from: freeyourmind on May 21, 2015, 12:18:36 AM

I'm curious as to why the size of principal matters?

Its common sense in investing. The bigger your principal is , the bigger interest that you will gain from it

Quote from: freeyourmind on May 21, 2015, 12:18:36 AM

If you have the ability to generate consistent positive returns, then it makes sense to invest; and if you don't it doesn't make sense to invest - regardless of the size of the bank account.

It make sense to me. It is actually a way to diversify your fortune. Basically people wont be putting the "egg in one basket" this means even if you are able to generate a consistent positive returns by his own, the person will seek for another opportunity for another investment. Thus being said this is because not all investment "could always" a positive returns as some might be risky

P.S: bank deposits are consider as investment itself and the safest I think

Amph

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Quote from: zendantom on May 19, 2015, 03:20:35 AM

Quote from: Amph on May 19, 2015, 02:56:40 AM

Quote from: Agestorzrxx on May 19, 2015, 12:50:01 AM

Save money is a bad idea, it like you lent your money to rich people, and make them more richer. Find a right way to invest your money, you can earn more.

and you can also lose more, here we are speak about people that who can not afford to lose, hence the discussion

i still think you can do both, saving and investing at the same time, and treat your saving as a back-up investment, if your investment goes wrong you have still money for live

Savings always comes first. Think of it as the foundation upon which your financial house is built. The reason is simple - unless you inherit a large amount of money, it is your savings that will provide you with the capital to feed your investments.Savings is present and Investment is future. Both are necessary.

saving come first only because of possible emergency in the future, but if you are good enough with your money and your earnings are always superior to the outputs, you don't need to save that much, investing(here i'm talking only about low risk investment, like buying a small land for example) on the other hand, it may save you in the future while also growing your money at the same time

freeyourmind

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Quote from: mrhelpful on May 20, 2015, 05:06:43 PM

Invest if you have a big principal, if not your goal should be getting it.

Theres a mixture of all points, but it needs to be getting that goal or else you`ll be working alot more then you should. As for the comments about splitting choices with real estate, gold, or any other forms of assets.

You should be making a passive amount from the start to acquire in those other areas, so it doesnt matter of which one to choose.

I'm curious as to why the size of principal matters?

If you have the ability to generate consistent positive returns, then it makes sense to invest; and if you don't it doesn't make sense to invest - regardless of the size of the bank account.

Dotakels

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Quote from: BTCevo on May 20, 2015, 01:58:54 PM

Quote from: Dotakels on May 19, 2015, 09:53:08 PM

Quote from: MJK on May 19, 2015, 12:02:37 PM

Quote from: Agestorzrxx on May 19, 2015, 12:50:01 AM

Save money is a bad idea, it like you lent your money to rich people, and make them more richer. Find a right way to invest your money, you can earn more.

How the hell is saving money a bad idea? You don't have to keep it in a bank, and investing your money just for the sake of it is a good way to lose it all especially if you don't know what you're doing.

hahah its not good to lose your money that you hard work for it. Theres some investment that have a low risk so that you will assure that your money won't be lose. But saving is not a bad idea.

If it lose for the investment I think it will worth because there is a chance that you get back all of your money with some interest or may be to lose all of it and get the experience so I think both of it will worth. If there is a risk your money must be on the bet so it will lose anyway altough it has a low risk on the investment because we can't predit anything what will happen in the future

But he didn't say that lose in investment he only said that loss your money in a nonsense thing. If your money loss in investment its ok, because at lease you have experienced and you know what strategies and you can now success in your investment.

GreenStox

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Quote from: Benjig on May 18, 2015, 10:09:30 PM

It is best to administer it in percentages. Some expert economist advice the 10% Rule:

10% for Fun (Friends, Girlfriends, Whim)
10% for Education (Never, Never stop learning stuff; courses, conferences, workshops, school, this 10 is for that)
10% for Invest (Bussines, assets)
10% for Charity (This gives you an aura of positivity and a feeling of being useful for humanity)
10% for Saving (Heritage, you will need it when you get old)
50% for Needs

If you can't manage your money that way, or can't reach life with that Rules, you are wasting to much or your earnings are to low

For big investors its like

10% basic needs
90% adventure women Cheesy

Many bankster guys spent all the money they earned in their 20-30 on women, you must live life to the fullest.

Then by the time you get old, you start investing more seriously.

Pab

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For sure not to invest on Real Estate ,that flood of printed money created one big bubble
stocks at that level the same ,part of money in bitcoin can be good saving,just be careful,if you can find save asset,it can be good,gold is over manipulated,so it is hard

Generally i think it will be crash on stocks,real estate,after crash,if you have cash you can invest more aggresive

mrhelpful

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Invest if you have a big principal, if not your goal should be getting it.

Theres a mixture of all points, but it needs to be getting that goal or else you`ll be working alot more then you should. As for the comments about splitting choices with real estate, gold, or any other forms of assets.

You should be making a passive amount from the start to acquire in those other areas, so it doesnt matter of which one to choose.

MGMT

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I think its best to save most of your money and invest a little. You can always save to invest when the right opportunity comes along.

Quote from: boopy265420 on May 20, 2015, 01:14:45 PM

Quote from: jerol31 on March 26, 2015, 08:25:04 AM

Is it better to save money in bank or invest it online, in real estate or maybe gold?

If you want to invest online then Bitcoin is the best and only choice.This is perfect time to invest in Bitcoin,Real estate and even in gold.After recent economic crisis real estates prices have reached almost to half prices and gold has also stable price.I would say future belongs to Bitcoin as day by day we hear news about adoption and more adoption.

It's not the only option to invest online. There's plenty of ways to invest online.

BTCevo

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Quote from: Dotakels on May 19, 2015, 09:53:08 PM

Quote from: MJK on May 19, 2015, 12:02:37 PM

Quote from: Agestorzrxx on May 19, 2015, 12:50:01 AM

Save money is a bad idea, it like you lent your money to rich people, and make them more richer. Find a right way to invest your money, you can earn more.

How the hell is saving money a bad idea? You don't have to keep it in a bank, and investing your money just for the sake of it is a good way to lose it all especially if you don't know what you're doing.

hahah its not good to lose your money that you hard work for it. Theres some investment that have a low risk so that you will assure that your money won't be lose. But saving is not a bad idea.

If it lose for the investment I think it will worth because there is a chance that you get back all of your money with some interest or may be to lose all of it and get the experience so I think both of it will worth. If there is a risk your money must be on the bet so it will lose anyway altough it has a low risk on the investment because we can't predit anything what will happen in the future

boopy265420

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Quote from: jerol31 on March 26, 2015, 08:25:04 AM

Is it better to save money in bank or invest it online, in real estate or maybe gold?

If you want to invest online then Bitcoin is the best and only choice.This is perfect time to invest in Bitcoin,Real estate and even in gold.After recent economic crisis real estates prices have reached almost to half prices and gold has also stable price.I would say future belongs to Bitcoin as day by day we hear news about adoption and more adoption.

Topic: Is it better to save money or invest it? - page 692. (Read 1181208 times)