Is it better to save your money or is it better to invest it?

Pay off high interest credit cards first and any other high interest debt you have, then save some, and invest only what you are willing to lose.
Most secure investments are 401 plans at work, CD's, money markets, and government bonds.
If you are going to invest in the stock market, spend some time learning about it, not listening to someone that will be getting a commission on your business.
Also, stay away from stocks that sell below $10.00 a share.
"Investing for Dummies" is a cheap book to help you understand the market.

Invest. If you get your money in to the right IRA's or Roth IRA's you can make bank.

In vest half and save half. That way you have money on hand if you really need it.

think about what you want to do with it and if you want to save it or not.

I hope this helped

Its always better to invest it, so that it grows a better rate of interest.

Interest rates are below 3 percent, while investing in Mutual Funds can yeild maybe 10 percent or higher if you pick the right funds!

Money markets certificates lock your money up for a period of time, and sometimes they are good, compared to local bank rates, but, I dont particularily like my money tied up like that.

Remember, you can lose your shirt if you play the market, or you can win a bunch, its all a crap shoot. Invest in an IRA, or 401K, or a Deferred Comp, (better for you each year).

I wish you well...

Jesse

Investing is a form of savings, the difference is the liquidity(how fast can I get $$ for it) and rate of return(how much you get back from what you put in). Saving/investing in a 401k means you can get a better(hopefully) return than a bank saving account, but you can not get it back in $s that quickly or easily. Saving/investing in a bank's saving account means you can get the $ out quickly but, you will not earn hardly anything for putting it in the bank.

It depends on your time horizon (when you plan on using the money)!

If you need it within one year, save more and invest less...because remember if investing it is possible to lose money! Especially in the short term.

However, over the long run, the probability of achieving a higher return by investing than saving is more likely.

When it comes to saving, check out emigrantdirect.com; they have a 5% apr savings account. This is no risk and entirely liquid (meaning you can take it out when you want).

So, in conclusion, only invest if you think you can make more than you are saving. In this case 5%. If you have a long time horizon then go ahead and invest.

save

You want to diversfy, most financial advisiors will tell you to save a little but put a major percentage in stocks. But it all depends on your risk level