{"id":830,"date":"2023-06-15T19:30:08","date_gmt":"2023-06-15T11:30:08","guid":{"rendered":"https:\/\/www.wealthfor.us\/article\/?p=830"},"modified":"2023-06-15T18:19:43","modified_gmt":"2023-06-15T10:19:43","slug":"why-invest-is-saving-not-enough","status":"publish","type":"post","link":"https:\/\/www.wealthfor.us\/article\/why-invest-is-saving-not-enough\/","title":{"rendered":"Why Invest? Is Saving Not Enough?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The answer to the question \u2018Why Invest?\u2019 is simply for retirement. Investing is necessary for retirement. You do not want to work forever, right? Great, we are on the same page! But some of you may ask, is saving not enough? Investing is risky. Many people lose money when investing. Let us unpack this topic in this article; maybe, you will change your mind afterward.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For some of us, investing feels scary. We live in a chaotic world. Investing now may be a bad idea. There are so many reasons not to invest:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The stock market can drop 50% and wipe out our money within a few months.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Isn\u2019t the recession coming? Every economist has mentioned this over and over.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Layoffs everywhere, or maybe you are even impacted by the layoff.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Perhaps even depression is coming?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Is nuclear war coming? We\u2019re getting closer and closer to this nuclear war.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Banks are failing across the globe.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">US Dollar is about to collapse and lose its world reserve currency status, right?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">We can keep going on this list. It is neverending. Sooner or later, there will be more reasons pop up. These are all valid reasons not to invest, right? Better safe than sorry.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2>Graph 1: Dollar Purchasing Power Index<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-832\" src=\"https:\/\/www.wealthfor.us\/article\/wp-content\/uploads\/2023\/04\/Dollar-purchasing-power.jpeg\" alt=\"Dollar Purchasing Power Index\" width=\"1000\" height=\"600\" srcset=\"https:\/\/cdn.wealthfor.us\/uploads\/2023\/04\/Dollar-purchasing-power.jpeg 1000w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/04\/Dollar-purchasing-power-300x180.jpeg 300w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/04\/Dollar-purchasing-power-768x461.jpeg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<p style=\"text-align: center;\"><i><span style=\"font-weight: 400;\">Graph 1: The purchasing power of the dollar over the years. (Credit to <\/span><\/i><a href=\"https:\/\/www.visualcapitalist.com\/\"><i><span style=\"font-weight: 400;\">VisualCapitalist<\/span><\/i><\/a><i><span style=\"font-weight: 400;\">)<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">The chart above shows a dollar\u2019s worth over the years. As you can observe from the chart, the value of one dollar has dropped significantly since 1920. To be more precise, the dollar purchasing power has dropped more than 90% over that time!<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$1 in 1930 bought you ten bottles of beer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$1 today buys you a small cup of tea<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Can you imagine what $1 will buy you when you retire?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you wonder why our money keeps losing its purchasing power, the answer is inflation. Let\u2019s say inflation for this year is 4%: that means your money has lost 4% of its purchasing power this year. Over an extended period, inflation will erode our purchasing power significantly, just like what you see in Graph 1 above.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">All fiat currencies in the world are not backed by anything. The dollar was backed by gold until the US government abandoned that standard in the 1970s. Thus, the central bank can technically print as much as they want as long as the inflation is not too high. In 2020 alone, the Federal Reserve has increased the total USD money supply by 20%. Now you won\u2019t be surprised why inflation was sky-high in 2022.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So, why invest? By not investing, <\/span><b><i>you will lose your purchasing power over time due to inflation<\/i><\/b><span style=\"font-weight: 400;\">. It may feel fine in the short term, but you will feel this erosion over the long term.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2>Graph 2: There are many reasons not to invest, and one excellent reason to invest<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-833\" src=\"https:\/\/www.wealthfor.us\/article\/wp-content\/uploads\/2023\/04\/Many-reasons-not-to-invest.jpg\" alt=\"Why invest? Many reasons not to invest, and one excellent reason to invest\" width=\"1022\" height=\"463\" srcset=\"https:\/\/cdn.wealthfor.us\/uploads\/2023\/04\/Many-reasons-not-to-invest.jpg 1022w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/04\/Many-reasons-not-to-invest-300x136.jpg 300w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/04\/Many-reasons-not-to-invest-768x348.jpg 768w\" sizes=\"auto, (max-width: 1022px) 100vw, 1022px\" \/><\/p>\n<p style=\"text-align: center;\"><i><span style=\"font-weight: 400;\">Graph 2: S&amp;P500 performance since 1930. The chart is marked with various events causing market uncertainty over the years. (Credit to <\/span><\/i><a href=\"https:\/\/www.visualcapitalist.com\/\"><i><span style=\"font-weight: 400;\">VisualCapitalist<\/span><\/i><\/a><i><span style=\"font-weight: 400;\">)<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">If you are worried about the state of the economy, geopolitical tensions, wars, etc., this Graph 2 is for you. There was Great Depression, World War 2, the Korean War, the Vietnam War, the Chernobyl disaster, the 1987 crash, the Gulf War, the Asian financial crisis, Dot com bubble burst, 9\/11, the Iraq war, the 2008 Global financial crisis, and so on. Yet, the S&amp;P500 still returned &gt;15,000% over the same period.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There were always events that caused market uncertainty at any point in time over the last several decades. To be a successful investor, you should always be comfortable with market uncertainty. All those events are legitimate reasons that may cause a market downturn in the short term, but you will likely come out on top if you hold for a long time. The odds are in our favor based on historical performance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So why invest? There is one excellent reason: <\/span><b><i>regardless of all the short-term volatilities from all those market uncertainties, you will likely come out on top over the long term<\/i><\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2>Why Invest? Which do you prefer?<\/h2>\n<p><span style=\"font-weight: 400;\">We have presented you with two graphs. Which graph do you prefer?<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you are okay with Graph 1, you can put your money in your savings account.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you prefer Graph 2, <\/span><b><i>you need to invest<\/i><\/b><span style=\"font-weight: 400;\">. There are always many reasons not to invest at any particular time. Uncertainty is neverending. But there is one excellent reason to invest: historically, you will likely come out on top if you stay invested for the long term.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Let us summarize why you should invest:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">When <\/span><b><i>investing<\/i><\/b><span style=\"font-weight: 400;\">, you may lose in the short term but <\/span><b><i>will likely win in the long term<\/i><\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you are <\/span><b><i>not investing<\/i><\/b><span style=\"font-weight: 400;\">, you may win in the short term but <\/span><b><i>will likely lose over the long term<\/i><\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The choice is yours, which do you prefer?<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The answer to the question \u2018Why Invest?\u2019 is simply for retirement. Investing is necessary for retirement. You do not want to work forever, right? Great, we are on the same page! But some of you may ask, is saving not enough? Investing is risky. Many people lose money when investing. Let us unpack this topic&hellip; <a class=\"more-link\" href=\"https:\/\/www.wealthfor.us\/article\/why-invest-is-saving-not-enough\/\">Continue reading <span class=\"screen-reader-text\">Why Invest? Is Saving Not Enough?<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":896,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-830","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing-basic","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Why Invest? 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After over a decade of hands-on investing (and making countless mistakes), I'm excited to use this platform to share what I've learned over the years. And let's continue to learn together. Writing about macro economy, equities, personal finance, web3. Follow me on Twitter: @danggaku\",\"sameAs\":[\"https:\\\/\\\/x.com\\\/danggaku\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Why Invest? Is Saving Not Enough?","description":"Why invest when there are many uncertainties in the market? Is saving not enough? Learn why investing is essential for wealth building.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.wealthfor.us\/article\/why-invest-is-saving-not-enough\/","og_locale":"en_US","og_type":"article","og_title":"Why Invest? 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