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Saving and investing - my point of view by zuerich

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· @zuerich ·
$6.85
Saving and investing - my point of view
There are 2 possibilities to save money and there are 2 possibilities to invest money.

I'm a child of the 90s. Then, e.g. in 1995, I got an interest rate of 4% on my meager savings, but I found that earning of 4% fascinating. Today, this option to get a yield on my fiat savings is gone.
So, in order to at least not lose purchasing power, I am looking for non-inflatable assets. There are exactly 2 in this world, one very old and one rather young:
1. Gold
2. Bitcoin (BTC).

Concerning "investing" (etymology see in the post scriptum): I often hear from colleagues and friends "I just invested x thousand Euros in stock A or B or C". I then reply "Ah, you're speculating. I wish you all the best to succeed with that".
I am not against buying stocks, it's just not investing. No matter how much research I do on Apple stocks, I am not capable to determine the "true (intrinsic) value" due to so many uncertainties concerning the (future) management of the company, the product development, the demand for a centralized software, the general demand for holding stocks, the potential for fraud, deflationary shocks or war. Plus, I can't influence the value of this company significantly.

So if buying stocks is not investing, what are the 2 possibilities to invest? Here they are:
1. paying for education and training (both physical and mental): investing in your physical fitness (e.g. buying barbells or a fitness studio subscription, doing a yoga training, ...) and your mental capabilities (reading great (Lindy) books, learning to program Java, civil engineering, physics, accounting, marketing, learn how to create art, how to write, meditation/praying, there are endless possibilities) will give you leverage that you can employ over the coming 20 or 40 or 80 years (longevity, here we go) and hopefully profit from it.
https://steemitimages.com/407x271/!https://files.peakd.com/file/peakd-hive/zuerich/C1ubxi4y-image.png https://steemitimages.com/407x271/!https://files.peakd.com/file/peakd-hive/zuerich/kU5p5hVY-image.png

2. buying a part of a business that you actively contribute to. This may be founding a company (putting money and your capabilities and knowhow into it) OR becoming a partner of an enterprise (i.e. contributing financially and actively) OR buying a stake of Hive (while contributing to it via content-producing, developping, witnessing or curating).

P.S. excursus to etymology "invest": "Borrowed from Middle French investir, from Latin investio (“to clothe, cover”), from in- (“in, on”) + vestio (“to clothe, dress”)" 
"(intransitive) To be involved in; to form strong attachments to." as in "She knew from watching him grow up that he didn't let that many people too close to him, but once he did, he was invested in that relationship." https://en.wiktionary.org/wiki/invest#English

As a linguist, I understand the word "invest" mostly in the sense "to form strong attachments to" or "to spend money, time and effort into something". This implies that I need to be a part of that something, i.e. 
- I am the "thing" that is invested in (paying for education and training) or
- I am very involved in this thing; so I am putting money into that thing (business) AND contributing to it.

___________________________________________________________________________

Aus meiner Sicht gibt es 2 Möglichkeiten zu sparen und 2 Möglichkeiten zu investieren.

Ich bin ein Kind der 90er Jahre. Damals, z.B. 1995, bekam ich für meine mageren Ersparnisse einen Zinssatz von 4%, aber ich fand dieses Verdienen von 4% faszinierend. Heute gibt es die Möglichkeit, eine Rendite auf meine Fiat-Ersparnisse zu bekommen, nicht mehr.
Um also zumindest nicht an Kaufkraft zu verlieren, suche ich nach nicht inflationierbaren Vermögenswerten. Davon gibt es genau 2 auf dieser Welt, einen sehr alten und einen ziemlich jungen:
1. Gold
2. Bitcoin (BTC).

Zum Thema "Investieren" (Etymologie siehe im P.S.): Ich höre oft von Kollegen und Freunden: "Ich habe gerade x Tausend Euro in Aktie A investiert". Dann antworte ich: "Ah, Du spekulierst. Ich wünsche Dir alles Gute damit. Mögest Du viel damit verdienen!".
Ich bin nicht gegen den Kauf von Aktien, es ist nur keine Investition. Egal wie viel Forschung ich zur Apple-Aktie betreibe, ich bin nicht in der Lage, deren "wahren (intrinsischen) Wert" zu bestimmen, aufgrund so vieler Unsicherheiten bezüglich des (zukünftigen) Managements der Firma, der Produktentwicklung, der Nachfrage nach einer zentralisierten Software, der allgemeinen Nachfrage nach dem Halten von Aktien, des Risikos für Betrug, deflationäre Schocks oder Krieg. Und ich kann den Wert dieser Firma nicht wesentlich beeinflussen.

Wenn also der Kauf von Aktien keine Investition ist, was sind dann die 2 Möglichkeiten zu investieren? Hier sind sie:
1. Investieren (Geld ausgeben) für Bildung und Ausbildung (sowohl körperlich als auch geistig): Investitionen in körperliche Fitness (z.B. Kauf von Hanteln oder ein Fitness-Studio-Abo, ein Yoga-Kurs, ...) und geistige Fähigkeiten (Lesen großartiger (Lindy)-Bücher, Java programmieren, Bauingenieurwesen, Physik, Buchhaltung, Marketing, lernen, wie man Kunst kreiert, wie man schreibt, Meditation/Gebet, es gibt unendlich viele Möglichkeiten). Mit diesem Lernen/Training schafft man sich einen Hebel/Leverage, den man in den kommenden 20 oder 40 oder 80 Jahren (Langlebigkeit, here we go) einsetzen und hoffentlich davon profitieren kann.
https://steemitimages.com/407x271/!https://files.peakd.com/file/peakd-hive/zuerich/C1ubxi4y-image.png https://steemitimages.com/407x271/!https://files.peakd.com/file/peakd-hive/zuerich/kU5p5hVY-image.png

2. der Kauf eines Teils eines Unternehmens, zu dessen Erfolg man aktiv beiträgt. Dabei kann es sich um die Gründung eines Unternehmens handeln (indem man Geld und seine Fähigkeiten und sein Knowhow einbringt) ODER um die Beteiligung an einem Unternehmen (finanziell und aktiv mitwirken) ODER um den Kauf eines Anteils an Hive (während man gleichzeitig aktiv mitwirkt, als Content-Produzent, Entwickler, als Witness oder als Kurator).

P.S. Exkurs zur Etymologie "investieren": "Entlehnt aus dem mittelfranzösischen investir, vom lateinischen investio ("kleiden, bedecken"), von in- ("in, an") + vestio ("kleiden"). 
(intransitiv) involviert sein; starke Verbundenheit entwickeln, wie in "Sie wusste aus der Beobachtung seines Heranwachsens, dass er nicht so viele Menschen zu nahe an sich heranließ, aber sobald er das tat, war er in diese Beziehung investiert." https://en.wiktionary.org/wiki/invest#English

Als Linguist verstehe ich unter dem Wort "investieren" "starke Verbundenheit zu etwas entwickeln" oder "Geld, Zeit und Mühe in etwas stecken". Dies impliziert, dass ich ein Teil dieses Etwas sein muss, d.h. entweder
- Ich bin das "Ding", in das investiert wird (bezahlen für Bildung und Training) oder
- Ich bin sehr in diese Sache involviert; also stecke ich Geld in diese Sache (Business) UND trage aktiv dazu bei.
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vote details (116)
@agmoore ·
 I swore off stocks ever since [DeCode Genetics](https://www.cnbc.com/2017/04/06/icelands-genetic-goldmine-and-the-man-behind-it.html) went bankrupt.  I lost every penny, but the people who owned the company started up again and are doing just fine today.
However, I don't see land, or property, as an investment mentioned in your blog. We (my husband and I) bought our home a long time ago (1974) and its appreciation has been approximately 16 times the purchase price. We are neither savvy buyers nor well off.  Just a modest couple who bought a home in which to raise our children.  But this purchase has held up against inflationary pressure.
As for Hive?  This is more a personal investment (personal growth and enjoyment) than a financial enterprise.  But if it also pays off, as my home has, then I'm a double winner. 
Either way, Hive or my home, I can't lose.   
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@alucian ·
$0.05
Ich finde dein Ansicht zum Thema Investment weit aus klüger und durchdachter als so mancher "Möchtegerne-Investor" sich gibt. Auch ich denke, das Aktien kaufen reine Speck^^ulation sind, genau, wie der Kryptomarkt schlussendlich. 

Niemand kann genau sagen, wohin die Reise geht, aber hätte ich Tech-Aktien, wie die von Apple, würde ich DRINGEND verkaufen.^^ So etwas, kann nicht Ewig gut gehen. Apple ist das neue Nokia, habe ich mal geschrieben, aber mit weit mehr Fehlern, als nur eine Entwicklung verschlafen zu haben.

Mögest Du reich und Schön werden, auf das sich deine Bestände zumindest im Wert erhalten. :-D

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vote details (2)
@zuerich ·
$0.06
Vielen Dank! 😃
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@bhoa ·
$0.05
Very wonderful post. I feel the best investment is investing in self. The returns are not imaginable. However, most people don't do this of which I am guilty of too. 
A question for you..

How safe is it to invest in bitcoin?
Why is it safe?
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@zuerich ·
Thanks for your comment!

I think the main risk with investing in Bitcoin is holding it on exchanges. An exchange can be hacked (like mountgox or cryptsy) and then your BTC are gone.
Plus, BTC is a rather volatile asset. There are certain risks concerning the technology.

I wouldn't say BTC is completely safe, nothing is. But compared to fiat currencies there are some big advantages:
- no single point of failure (due to BTC's decentralized nature): if a central bank makes bad decisions (Venezuela, Zimbabwe), the currency will devalue very quickly.
- a capped, maximum supply of 21 million: that's unique
- no middleman: If I have your public address I can send BTC directly to you without depending on a middleman (like a bank).
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@bhoa ·
Good points I must say.. What do you think about gold ?
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vote details (1)
@danielhuhservice ·
$0.04
Eine Investition in Werkzeuge die  die Produktion verbessern und erleichtern ist auch erwähnenswert. 

Aber ab und an russisches Roulette mit altcoins darf auch drin sein ein bisschen Nervenkitzel:-)
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@germanbot ·
Du hast ein Upvote von mir bekommen, diese soll die Deutsche Community unterstützen. Wenn du mich unterstützten möchtest, dann sende mir eine Delegation. Egal wie klein die Unterstützung ist, Du hilfst damit der Community. DANKE!

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@hivebuzz ·
Congratulations @zuerich! You have completed the following achievement on the Hive blockchain and have been rewarded with new badge(s) :

<table><tr><td><img src="https://images.hive.blog/60x70/http://hivebuzz.me/@zuerich/comments.png?202008271741"></td><td>You made more than 1500 comments. Your next target is to reach 2000 comments.</td></tr>
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<sub>_You can view [your badges on your board](https://hivebuzz.me/@zuerich) And compare to others on the [Ranking](https://hivebuzz.me/ranking)_</sub>
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@ibrahim51 ·
You are too right that i can not but agree with you. Btc and gold is very dependable. thank you for your informative post. go ahead......
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@lyubo19 ·
I totally agree with you. Gold and Bitcoin until the end. :)
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@missagora ·
$0.05
Beim Punkt sparen würde ich noch Silber dazu nehmen. Gold und Krypto auf jeden Fall.
Eine alte Buchhalter Regel lautet: Investiere immer 4 bis 40% von Deinem Gewinn. 
Gut geschrieben und ich bin absolut Deiner Meinung! Lg
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@zuerich ·
Danke für Deinen Kommentar!
Ja, Silber ist auch interessant. Ich halte es nicht, weil die Inflation deutlich höher bzw. die Stock-to-flow-Ratio deutlich niedriger als bei Gold ist.
Und wenn der Silberpreis mal steigt, können die Minen die Silberproduktion viel schneller erhöhen als bei Gold. Das erhöht die Silbermenge auf dem Markt noch stärker und führt mittelfristig wieder zu einem Preisfall.

![image.png](https://files.peakd.com/file/peakd-hive/zuerich/YMj0XANC-image.png)

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@missagora ·
Gutes Argument! Ich denke mir aber, die Welt braucht mehr Silber als Gold,um verschiedene Dinge zu produzieren. 
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vote details (1)
@nathanmars ·
> buying a part of a business that you actively contribute to. This may be founding a company (putting money and your capabilities and knowhow into it) OR becoming a partner of an enterprise (i.e. contributing financially and actively) OR buying a stake of Hive (while contributing to it via content-producing, developing, witnessing or curating.

This day and age it's much easier to found a company 
👍  
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vote details (1)
@nicole2016 ·
$0.04
Great article with good explanations!!!! Congrats!👏🏻
👍  
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@saxx1304 ·
$0.05
Good evening. In any case, your article is relevant and informative, it gives an idea of Bitcoin and the interest in it. That is, you give the opportunity to approach financial issues in a modern, and given the market. I really like such publications, there is an opportunity, if not lazy, then you can gain knowledge and experience. I will follow your updates. Although I am not yet an experienced cryptocurrency user, there is interest. Thank you.
👍  
👎  
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vote details (2)
@saxx1304 ·
Thank you for your support and interest in my publication. Have a good evening.
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@saxx1304 ·
🙏
👍  
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vote details (1)
@woelfchen ·
$0.05
👌
@tipu curate 
👍  
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@tipu ·
<a href="https://tipu.online/hive_curator?woelfchen" target="_blank">Upvoted  &#128076;</a> (Mana: 14/21)
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@yaellevy ·
I agree that investing in you (and loved ones) is the best investment
👍  
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vote details (1)
@ynwa.andree ·
$0.04
Mir fällt dabei sofort ein Zitat von Benjamin Franklin ein, das ich zumindest manchmal im Leben gelebt habe.

**"Eine Investition in Wissen, bringt immer noch die besten Zinsen."**
👍  
👎  
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@zuerich ·
Danke für Deinen Kommentar!
Ja, das ist ein tolles Zitat.
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