Saving or Investing: Which One is the Best Option?

saving or investing

Saving or Investing? The age-old debate of saving or investing has been around for as long as money has existed. Both have their pros and cons, and there is no easy answer as to which one is better. It depends on your individual circumstances, financial goals, and risk tolerance. Here are some things to consider when making the decision of whether to save or invest your money.

This article will help understand what each option offers so that you can make an informed decision about what’s best for your unique situation.

Current situation

Many young adults in Europe and the U.S., especially millennials, don’t have enough money saved up to cover an emergency if needed making the decision whether or not to save becomes difficult with both options seeming like viable solutions at hand simultaneously saving vs investing.

Is saving better than risking investments when most people tend towards more uncertain futures? The answer isn’t as cut-and-dry as either side would want but let’s explore further anyhow:

On one hand, SAVING could give somebody breathing room in case tougher times come around however on the other INVESTMENT opportunities might offer someone chances for greater wealth creation than say keeping cash under a mattress.


Saving and investing are two different concepts, but they are often confused with each other. When you save money, you’re putting it away in a safe place where you can access it when you need it. You might choose to save your money in a savings account, a certificate of deposit CD, or a money market account. These options offer liquidity, meaning you can easily withdraw your money when you need it.


  • Can give you a cushion in case of tough times
  • Doesn’t require a lot of knowledge or experience


  • May not offer high returns
  • May not be enough to cover large expenses


Investing, on the other hand, is about committing your money to something that has the potential to grow over time. You might invest in stocks, bonds, real estate, or other assets. These investments typically offer a higher return than savings accounts, but they also come with more risk. It’s important to understand the risks and rewards associated with each investment before making a decision.


  • Can offer high returns if done correctly
  • Can help you reach your long-term financial goals


  • Requires a lot of knowledge and experience
  • Riskier than saving

When to save?

We’re going to brief on this one. If you plan on reaching your financial goals in less than five years, savings are the best option.

  1. Savings in case of emergencies. It’s advised to create savings for a 6 month emergency period.
  2. Savings for planned, one-off expenses. Like buying a car, a house, vacations etc
  3. Savings for short-term goals. Usually, it’s best to consider a time period of 3 to 5 years.
  4. Savings for retirement. This is the most prefered choice of 90% of people

While saving money can be considered the fastest and easiest choice is not the best. Take into consideration Inflation. This means in normal inflation you lose 2% each year in the value of your money. Right now for example inflation is at an all-time high, skyrocketing from 8% to 14% in some countries.

What’s the best option? Gold and Silver, or precious metals in other words. These precious metals do well, especially in times of economic crisis.

When to invest?

If you already have an emergency fund and a stable income, then by all means start to invest. We suggest you ask for professional help to find the best option for you to invest your money. Do all the research needed and understand the risks and rewards associated with each investment. We’re no expert when it comes to investing so the best we could offer are some is this article, click and check out their professional advice.

To sum up, the decision of whether or not to save money instead of investing it is a difficult one, as both options have their own benefits and drawbacks. In order to make an informed decision, it’s important to understand the difference between them, and when each option is most advantageous. When in doubt, it may be best to consult with a professional financial advisor.

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