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Topic: what do we thinking about investment target? - page 5. (Read 930 times)

hero member
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Investing is indeed an easier way to develop money than a business, as we know that business challenges are getting more difficult because of the increasingly fierce level of competition, many large companies have financial support making small businesses slowly die, the presence of investment can of course be our main choice to get income.
But often in investing, people choose the wrong investment because they don't do more detailed research about the investment product. And it also happens when they want to invest in bitcoins because they think investing in bitcoins is easy where they just have to buy and store it. But they don't think about the price changes that occur in bitcoin, so when price changes occur, they panic and start selling their bitcoins at a loss.

And most novice investors cannot distinguish between low, medium, and high risk investments, so they choose randomly but instead cause them to experience losses. They also have to think about how much money they will use to invest because many people will use big money but are not ready for the risk. Again, it caused them huge losses.
sr. member
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Investment tips and risks arising from investing have often been discussed in different sub-local and global boards, this goal is nothing more than a reminder for people who want to start investing. Of course, we all know that behind the returns offered from an investment, of course there is a big risk behind it, that's why in-depth knowledge is needed before making an investment to avoid risks.

The investment target, of course, wants to get profit, the rule of the game is to buy at a low price and sell at a high price. It is necessary to be careful in choosing investment media, fixed deposits will not be able to avoid inflation. If you are the type of person who wants to find a safe point, real estate is perfect for you, the price of this asset will increase from year to year.
full member
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Investing is indeed an easier way to develop money than a business, as we know that business challenges are getting more difficult because of the increasingly fierce level of competition, many large companies have financial support making small businesses slowly die, the presence of investment can of course be our main choice to get income.
legendary
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There's a chance you would lose your money in fixed deposit if you broke their rules, so they charge you additional fee or the bank going to bankrupt.

Real estate isn't a medium risk-medium return asset, you need to spend huge amount of money to buy it and if you don't understand anything about this commodity, you can be easily get tricked by the contractor.

Low risk-high return asset: Bitcoin.
sr. member
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As salaries are increasing so the material of daily uses are getting more expensive that the increasing salaries are not enough for buying such an expensive substances. Investment is beneficial but not all type of investment can give you profit and some business become diminish with passage of time.

There are originating new ways of investment like through buying some area of land, buying some precious materials and now as you can see that investment in Bitcoin is on the top priority. Investment is necessary because everyone is familiar with his condition that in future there will be nothing with him instead of a single salary.

A person should always select that business in which there is less profit but the risk is also less because if someone select business having lots of risk then you will be in condition to loss that maximum profit too because of higher risk.
hero member
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I have only considered investment as a venture that doesn't fail until maturity. It is the gain made in percentage that determine if the investment was a good shot and should be reinvested.

Yes, it's the level of one's profit from an investment that determines if they can reinvest again; also, the cost of the investment also matters. for an investment in volatile assets like crypto, although the investors must understand and also agree to the risk before they can choose to go again. You know there are some people who invest in Bitcoin during a bear market, and during a bull market, they sell off. They can decide to use the money for something else or either wait for a bear market to come and reinvest again, despite knowing and understanding the volatile characteristics of the market. That's what I mean.
sr. member
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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.
hero member
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Now it comes to fixed deposit, real estate, stock market, mutual fund, gold investment, any subject we can proceed with the investment target.
Everyone targets investments to make a profit and this is where the ability is needed for anyone to explore the right way to make investments, so that they can generate profits from the investments they make. Bitcoin has grown a lot in the last few years and we have seen how fast it is growing, so there are many people who ignore the level of risk that comes with it. Some of the experience that I got, the risk of investment will be balanced with the benefits we get, as long as the investment is carried out correctly and in accordance with the pattern of the strategy applied.

Some of the investments you mentioned are also ones worth trying, but speaking of maintaining value I prefer gold and real estate. Although the returns from these two investments are not as fast as expected because their prices tend to be stable not as volatile as bitcoin. The problem is how one can take advantage of all the potential that exists because in the end investment only talks about how to generate profits and minimizing the level of risk incurred.
copper member
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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.
legendary
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The post is unnecessary long as it only gives example but I get your point. Of course it is a given that there are different risks that comes with the outcome you are hoping for. However, it's not only the risks that should be known, there is the timetable and just how willing the investor is in risking their money for possible zero balance (which can happen in any of these types of investment).

Also, I didnt see bitcoin in your example.
legendary
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I'd argue whether having a bank savings account is even what you're calling it, meaning low risk, low return. You're after all holding money with a third party, which is even worse than holding gold, or real estate. With these things you have full control, but with fiat money on a savings account, you can't withdraw whenever you want. You have a certain period during which the money must be frozen, or all the profit is lost. Then, when you finally get your money, you find out that you barely even got anything in return because usually this profit is only 1 or 2% above the inflation rate.

I highly agree, besides if our bank deposit exceeds the insurance policy and the banks goes bankrupt, anything that exceeds the amount insured will automatically be lost.  So I never considered banks as an example of low-risk, low-return because there is almost no profit when we save money in banks prior to inflation.  Putting our money in the bank is like putting our money in a safe box but with a third party controlling it and we have to ask for permission if we wanted to withdraw it.

If both of you read carefully what OP wrote, he emphasized "never leave money in a bank" and as I understand it, he meant non-bank investments like gold, real estate, and stocks...But I will partially agree with you two that we shouldn't put a lot of money in the bank because it will only wear down our wealth. But that doesn't mean we will invest and not have any savings, life is full of surprises, so always have a small savings for that. And not depositing money in the bank does not mean that the bank will be useless, if we need to borrow money for business or something else, the bank will be where we need to go because no one will lend us money except banks.
legendary
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There's inflation and also the demand of the investors for a particular product or service. It depends on the investor and its budget if you have just some quite budget with your investment I guess enough return is a must and you're not willing to take a risk yet unlike other people. who have already a good foundation of assets that are willing to take a risk to their investments.
Many factors affect those investments so it's hard to say if ideal to make a high-risk return or not. Also, the inflation right now is increasing which may affect the market value of the investment you have.
full member
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HIGH RISK-HIGH RETURN : example, the stock market invests in many big companies like Facebook, Cocacola, we buy the shares of these companies and they use that money in their business. If they make a profit there, the share price goes up and if they don't make a profit, the share price goes down. And this is how the stock market process works. Stork market business is High risk-High return profit business. In the stock market, you can become rich very quickly and you can become poor very quickly. If you have proper knowledge about stock market then you can invest this stock market money.


I like this point, HIGH RISK-HIGH RETURN and this can be very easy to find in trading in the money market. yes. The world of Cryptocurrency or digital currency promises high returns when the value goes up. The one closest to me. For example, BTC has beaten other financial assets by penetrating returns of up to 354% in 2020.

Well, what is needed here is not really that. What is needed is that every investor must be careful  with investment risks, not just tempted by the opportunity for returns. Smart investor must be prepared because that risk can happen at any time and they know what they are investing in.
In any investment, we really have to understand and know about the risks and opportunities and usually every possibility of big or small profits will be proportional to the level of risk involved.

But apart from that, in Crypto investment in particular I have never been afraid of anything, because I really understand the risks and I think it's quite worth it with all the possible benefits.

And for future targets, I am very optimistic about the investment in crypto that I have done, regardless of whatever will happen in the future.
sr. member
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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
Quote
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.

And with this summary, do your best to at least apply one in real life. Go to your bank, and inquire about which investment is available. Search online, and research how can you start real estate or trading currency and stocks. There are many ways to different investment opportunities. It just varies on what type or level is the person's tolerance to risk. That is why there is a low-risk, medium-risk, and high-risk.

Another is their time table. How long can they hold an investment? How many years they can wait and endure negative balance.

full member
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HIGH RISK-HIGH RETURN : example, the stock market invests in many big companies like Facebook, Cocacola, we buy the shares of these companies and they use that money in their business. If they make a profit there, the share price goes up and if they don't make a profit, the share price goes down. And this is how the stock market process works. Stork market business is High risk-High return profit business. In the stock market, you can become rich very quickly and you can become poor very quickly. If you have proper knowledge about stock market then you can invest this stock market money.


I like this point, HIGH RISK-HIGH RETURN and this can be very easy to find in trading in the money market. yes. The world of Cryptocurrency or digital currency promises high returns when the value goes up. The one closest to me. For example, BTC has beaten other financial assets by penetrating returns of up to 354% in 2020.

Well, what is needed here is not really that. What is needed is that every investor must be careful  with investment risks, not just tempted by the opportunity for returns. Smart investor must be prepared because that risk can happen at any time and they know what they are investing in.
sr. member
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Quote
what do we thinking about investment target?

Well, I think everyone has their own take on the Investment they wish to go for before they put in their funds. The best and most healthy way for an individual to make an investment is to really know the level of risk that is attached and how to handle their loss should anything go wrong. Most times, some investors are only blinded by the level of profit they will earn from an investment, and as such, they fail to look at the risk side of the investment. One's target for an investment must not only be for a huge profit, although that depends on what the person wants, but also for an investment that has a great deal of risk; if anything goes wrong, it will also result in a huge loss.
Well said. A target is a goal waiting to be accomplished and as such, any negative perspective as to how the investment after or during the duration would fail, should be put out of the mind.
I have only considered investment as a venture that doesn't fail until maturity. It is the gain made in percentage that determine if the investment was a good shot and should be reinvested.
legendary
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I'd argue whether having a bank savings account is even what you're calling it, meaning low risk, low return. You're after all holding money with a third party, which is even worse than holding gold, or real estate. With these things you have full control, but with fiat money on a savings account, you can't withdraw whenever you want. You have a certain period during which the money must be frozen, or all the profit is lost. Then, when you finally get your money, you find out that you barely even got anything in return because usually this profit is only 1 or 2% above the inflation rate.

I highly agree, besides if our bank deposit exceeds the insurance policy and the banks goes bankrupt, anything that exceeds the amount insured will automatically be lost.  So I never considered banks as an example of low-risk, low-return because there is almost no profit when we save money in banks prior to inflation.  Putting our money in the bank is like putting our money in a safe box but with a third party controlling it and we have to ask for permission if we wanted to withdraw it.
full member
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Frankly, it is evident that inflation is one of the main causes of the increase in prices of products in recent years... It causes the value of money to decrease over time, which results in a greater amount of money needed to acquire the products. same goods and services. I see that you have your points of view but I disagree with several of them, I see that you have your points of view but I disagree with several of them. I see that you have your points of view but I disagree with several of them.

Quote
what do we thinking about investment target?

Well, I think everyone has their own take on the Investment they wish to go for before they put in their funds. The best and most healthy way for an individual to make an investment is to really know the level of risk that is attached and how to handle their loss should anything go wrong. Most times, some investors are only blinded by the level of profit they will earn from an investment, and as such, they fail to look at the risk side of the investment. One's target for an investment must not only be for a huge profit, although that depends on what the person wants, but also for an investment that has a great deal of risk; if anything goes wrong, it will also result in a huge loss.

In complete agreement, when each person has the idea of investing, they must evaluate their financial situation, their objectives and risk tolerance... investment always carries risks, and it is essential to diversify investments to reduce the impact of possible losses, and to observe the behavior of the market and above all being willing to learn and adapt to changing conditions,  I think is the key to a successful investment strategy.
hero member
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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.
These words are appropriate.
However, basically someone making an investment also needs to do money management that is wise enough so that we can also spend it as well as possible. Indeed, investing will be more valuable and potential than just saving money in the bank, but on the other hand, make sure that we have divided our funds that will be used for investment. Don't let us use our daily money or sudden funds. Make sure we also still have enough cash in our account for our needs and also for some unforeseen needs. Because maybe it won't be easy for us if one day we need money immediately and it's difficult to withdraw our investment. So, there is still a need for wise money management.

On the other hand, investing can be done in several ways, not just one thing, but choose the one that is truly valuable, low risk, and also has potential. Investing in property and gold might be one of the plans. And if you want something with higher returns but higher risks, you can enter stocks or Bitcoin, but still adhere to the principle of a wise investment. This will not guarantee our success but at least we try to invest in some things that are worth it.
hero member
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The products which were bought at the same price in the last four-five years now have to be bought at two to three times more. Now what is the real reason, what should we do at this moment. The real reason for this is the effect of inflation which causes the price of everything to rise. This inflationary effect increases the prices of our daily necessities. Due to which the value of our money is constantly decreasing every year. As a result, it is almost impossible to buy and drink a cup of tea from outside.


Inflation is a big challenge to any economy because it also affects the reach of the national budget. When the government estimate the budget that is capital and expenditure for the year, they need money to execute the budget but with inflation in the economy, the money required will not be enough to execute all of the budget and if it stops half way, it means some aspect of the economy will suffer. Also as an individual, your salary will no longer be okay to take care of your needs because the purchasing power of your money has been reduced by high cost of goods which makes your money not sufficient anymore but the solution is to diversify in investment so that you can have more hands to generate income from which will cushion the effect of the inflation for you
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