Saving. Or investing anyway

Investments vary in risk and return; the two are related but risk may be a little different than you think.

Savings
Saving is safe and investing is scary. That is the common understanding of this choice. But there is much more to be said about the trade-off because saving is not always the way to achieve your goal and investing can give a very stable build-up of your wealth. Because saving also carries a risk: the risk that you may not reach your goal.

More importantly, your choice should be made on the basis of your personal circumstances and goals: a long-term goal is more achievable with the right mix than with a 0% savings yield. So when we make the assessment, we first look together with you at what is best. And then we'll look for the solution that fits.

Investing?
Investing is for the long term; at least for the people who are not working on it day and night. In addition, it is important that you do not need the money immediately, that way you can sit out fluctuations. Because sensible investments (i.e. spread out) achieve positive returns on average - and vary over time.

With these principles in mind, you can already make a rough choice for a type of investment: the more variation you can endure the higher the expected return and the longer the time the more fluctuation you can have.

The saver is someone who chooses security over returns. Low risk resulting in very low returns. The main goal is capital preservation and having money readily available for unforeseen expenses.

Defensive investors are cautious and want to minimize risk. They invest mainly in bonds and safe mutual funds. Returns are moderate, but preserving capital is the top priority.

These investors seek a balance between return and risk. They invest in a mix of bonds, stocks and real estate. Although there may be some volatility, they aim for stable long-term growth.

Moderately offensive investors accept some risk for potentially higher returns. They invest primarily in stocks and diversify their portfolio to spread risk.

Offensive investors have a higher risk tolerance level and invest primarily in stocks. They seek significant long-term growth and accept temporary market volatility.

Willing to accept significant fluctuations. They invest in stocks , often with a specific focus, derivatives and volatile sectors for maximum growth, with significant short-term fluctuations.