Invest or save?
You should actually invest AND save. Putting money aside to have a safety cushion to cover the unexpected is essential. For the short term, saving is generally a better solution. For your longer-term plans, the return on investment is more attractive than on traditional savings.
The difference between
Have cash immediately on hand
Grow your pool of savings over the long term
Afford unplanned expenses, whether treats or necessities
Make your money work for you or save comfortably for your retirement
Average return of 0% to 2% a year
Average return of 1.5% to 6% a year
¹ Source : Banque Centrale du Luxembourg. Calculation from 2008 to 2018.
² Source : ING Portfolio Management, Bloomberg. Calculation from 2006 to 2017.
How do other people
manage their money ?¹
save 56% of their money. 44% are invested.
For their part, Luxembourgish residents save 69% and invest 31% of their money.
¹ Source : Eurostat 2017
I've made up my mind, I'm going to take the plunge!
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