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Difference Between
Saving and Investment
Prof. Dennison Hastings | Leonton University
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What’s inside
Why
invest
Explore the benefits
of investing
Saving vs. Investing
Learn the difference between saving and investing
Balancing Savings and Investment
Discover some tips on how to balance saving and investing
Tips on
investing
Get started with practical tips on investing
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Imagine this: You just found $100 on the ground.
What would you do with it? Would you stash it in your
wallet, spend it immediately, or try turning it into $200?
Are you a saver or a spender?
Savings
Setting aside money, typically in a bank account, for
future use
Investing
Involves buying assets that have the potential for higher returns
Saving vs. Investing
The difference between saving and investing
Saving vs. Investing
| Savings | Investing |
Type of goal | Often for short-term goals, such as saving for a large purchase or emergencies | May help reach long-term goals, such as planning for retirement or paying a child’s education |
Time it takes to access funds | Easily accessible | Often takes a longer time to access |
Risk involved | Involves minimal risk and funds are often strictly regulated | Does not always guarantee a return and losing the invested funds is possible |
Earning potential | Generally low | Has higher potential return compared to a savings account |
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How much should you save vs. invest?
A good starting point is saving 20% of your income.
After building your emergency fund, begin allocating any extra funds toward investments.
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emergency fund
Saving
Financial goals for
saving vs. investing
Investing
vacation or travel
new gadgets
car down-payment
property taxes
wealth growth
child’s education
business
home ownership
retirement
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Why should you invest?
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Risk
Return
Profit or gain earned from an investment
The possibility of an investment losing value
The risk-return tradeoff
Investments differ in their potential returns and market risk levels
Risk
Return
Low risk
Low return
High risk
Higher potential return
Tips when starting to invest
Start by building an emergency fund
Setting aside 3-6 months’ worth of living expenses is recommended.
Diversify your investment portfolio
Owning a mix of investments can protect your money in case of market downturns.
Explore how to allocate your assets wisely
Balance risk and security by deciding how much to allocate to stocks, bonds, and other investments based
on your financial goals and risk tolerance.
Savings vs. Investing Savings involve setting aside money for short-term goals, while investing focuses on buying assets with the potential for higher returns. | Balancing saving and investing A good starting point is to save 20% of your income and build an emergency fund before investing your extra funds. | Tips when investing When investing, consider your risk tolerance and ensure you diversify your portfolio to manage risk effectively. |
Review
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Investing can be intimidating for beginners. Think of a fun and simple analogy to explain investment terms and concepts, and present it creatively on a poster.
Explain investing using analogies
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