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Is it better to invest or save money?

Prince Sajir (princesajir)
Aug 15 at 09:58
49 投稿
I see investment and savings as synonymous to each other in many ways.

If you save in a bank, what is the level of risk of that bank? A safer bank provides lower interest - so it would be a low-risk, low-return investment for you.

If you decide to save with a credit union that pays higher interest rate but has a smaller balance sheet with less diversified portfolio and thus possesses a higher risk (market or operational), then you are making a relatively higher risk by looking at higher returns the credit union will.

So I would rephrase your question as, “how to balance between risk and return?”

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And my answer would be this:
How precious is this amount of money to you? How badly would it hurt your plans if this money were totally gone? If it is a savings amount that is disposable of, feel free to take relatively higher risk - expect higher returns.

Of course, always calculated, informed and in investment avenues you are familiar with!

But if the sum is needed for something specific, or you have plans to use it in near/far future or if this is your basic savings for financial security - then investment in zero or low-risk instruments - savings account, certificate of deposit, government bonds, etc.

Hope this helps.
Seb King (sebking1986)
Aug 15 at 11:21
538 投稿
The way to look at it is this - what do you think the bank does with your savings? Hold it in a vault for you? No, they invest it and loan it out to others for a far higher APR than they give you for saving with them. In this market saving cash is pointless for the purposes of wealth creation. If you are looking long term then investing makes more sense.
If you can't spot the liquidity then you are the liquidity.
Headmaster
Aug 18 at 07:47
26 投稿
The best way to add to one's wealth over time is through the practice of making financial investments. Your wealth could potentially grow exponentially if you spread it out across a number of different platforms and invested it wisely.
venlamoe
Aug 18 at 12:15
32 投稿
Both are excellent ways. What is important is how and where you invest/ save your money.
HenrikDormicoFX (DormicoFX)
Aug 18 at 17:24
2 投稿
Saving money vs investing? Both can be helpful if you can first clearly state your goals. If you want to grow your wealth over a period of time, do you then invest in everything to get there? The answer is that that may not be very responsible. Do you have risk management in place? Do you desire to see your investment grow over time and then sell later? Or do you simply like the idea of having your money backed by something valuable?

Do you desire to 'earn' income on your investment, and then reinvest these dividends? Such a practice may take a couple of years before break-even, and you should do your due diligence on the company paying the dividends. But as soon as you reach that break-even point, reinvesting them by buying more stock at the right price points will trigger a compound effect that will grow quite quickly indeed from that point onwards.

Banks and insurance companies both invest in income-producing assets, but are still required by law to have cash reserves always at hand to remain solvent in order to live up to their responsibilities. Of course, an individual is not a company, but you CAN mimic the strategies of these companies by deciding on a percentage of 'minimum cash reserves' to save up and leave alone and then devote a percentage of your income towards investing and trading (both of which come with their own risk management and strategies). Perhaps you are courageous enough to start up a side business to generate extra income for investing and/or saving. Think about this and visualize in your mind how you would want your finances to look, and then make a recording of it on a paper or an excel page in order to see how it may be set up to work as intended.

The world of investing is exciting and can yield incredible returns to those who prepare before they execute.

Regards
- Henrik Schmidt, DormicoFX ©2022
Your Vision Is Just One Trade Away...
Caricology
Aug 24 at 10:47
19 投稿
Both have their pros and cons and have their importance. If you invest regularly and with the right tactic, you can grow your balance. On the other hand, saving your funds will not grow them. So, everyone should invest. But saving is also important because life is unpredictable. Hence, before investing, save some money for your personal needs.
CraigMcG2020
Aug 24 at 16:45
399 投稿
I think there's a bit of merit in both but the way inflation is at the moment saving is just been eaten away at an unacceptable level
tyson_learner
Aug 25 at 05:54
39 投稿
In my opinion, a certain amount should be saved for safety purposes and the rest should be invested to grow your funds. Only investment might not turn out to give positive output always and saving always won’t let you grow your funds.
henrytrade
Aug 26 at 04:02
57 投稿
It all depends on an individual's needs.

SteveFx11
Aug 27 at 04:00
151 投稿
But it is expensive for many of them. Traders can otherwise follow the trading style of professional traders because they can learn through it.
LyudmilLukanov
Aug 28 at 11:12
848 投稿
Develop professional attitude of trading. Professional traders are out of these types of qualities because they know well that these qualities are harmful for a trader.
Adamandeve
Aug 28 at 15:22
28 投稿
A common difference between saving and investing is that when investing you give your assets the potential to grow over a time period while savings are for the present.
Ask, and you will receive; seek, and you will find; knock, and it will be opened to you.
Fx_keeth
Aug 31 at 11:27
45 投稿
It all depends on the individual. That is how much risk you are willing to take with your money. If you are not a risk taker, saving money is your only option; however, if you are willing to risk your money, the possibility of growing your savings money increases. But only if you have properly analyzed the market.
hendrickscock
Sep 01 at 07:00
26 投稿
You can do both, invest and save your money. The idea is to secure funds, however you wish to go ahead with it, is entirely up to you. Those interested in investing should create a budget outline so they don’t waste the majority of their capital while understanding the market functionality. That’s right, preparation is necessary when dealing with the financial world. As long as individuals are prepared, earning those profit returns don't sound all that difficult.
tobeygomez
Sep 02 at 05:01
34 投稿
It depends on person to person, I personally prefer investing money!
SteveFx11
Sep 04 at 13:01
151 投稿
But, both of these trading types are risky and traders’ can’t survive in Forex for long because of these risky types. So, avoid these types of trading and go for a reliable trading type.
HeavenLeighGill (HeavLeighGill26)
Sep 22 at 16:34
377 投稿
hendrickscock posted:
You can do both, invest and save your money. The idea is to secure funds, however you wish to go ahead with it, is entirely up to you. Those interested in investing should create a budget outline so they don’t waste the majority of their capital while understanding the market functionality. That’s right, preparation is necessary when dealing with the financial world. As long as individuals are prepared, earning those profit returns don't sound all that difficult.
This is really good advice!
ChristineRamon
Oct 21 at 16:15
14 投稿
We are getting closer to year-end. Crucial period for investors. Stay your eyes open guys. Volatility will be very high. For me, I will definitely invest.
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