Save Shares or Save In The Bank?
Actually in we invest in stocks or save in the bank has its plus-minus. Because everyone has their planing whether for the next 5 years or investment but can be taken suddenly.
Disadvantages of saving in the bank:
The money saved in the savings does not grow significantly. All we get is an annual interest rate that even the amount may only be able to pay the monthly administration fee.
Moreover, our money will be eroded by the increase in annual inflation, then the value of our money is actually decreasing.
Although the money can be taken at any time if we have a sudden need but the amount of money we take there is also a limit. For example, when taking money at an ATM machine, the maximum money that we can withdraw is around Rp 5-10 million, there is also a maximum limit of 15juta at the ATM.
Disadvantages of investment :
Investment risk is proportional to the profit we get. Therefore, it is necessary to invest well before we put the capital that we have.
for example, for this type of stock investment, there are risks borne if the company in which we invest capital is in bankruptcy in the future. Need special knowledge also in managing risk management in stock market play.
Therefore, investment in the form of property requires a large capital in order to get a large return. This investment is also illiquid, because it takes more time and effort to sell it if we want to sell its shares. But when it comes to profit, it is guaranteed to make us prosperous.
Which one is more profitable?
between saving and investing from the description I described above can adjust to our circumstances.
If we want to have a short-term goal we can use savings so that at any time can be taken abruptly. But to prepare long-term funds use investments to grow our money in the future.