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Invest or save?
You should actually invest AND save. Putting money aside to have a safety cushion to cover the unexpected is essential. In the short term, saving is generally the best option. In the long term, investing usually outperforms saving. Investing carries risks. You should also always factor inflation into your considerations.
The difference between
Saving
and
&
Investing
Why?
Have cash immediately on hand. #Security
Why?
Grow your pool of savings over the long term. #Yield
What for?
Afford unplanned expenses, whether treats or necessities
What for?
Make your money work for you or save comfortably for your retirement
How much?¹
Average annual yield in Luxembourg 0% to 2.25 % gross
How much?²
Average annual return of 0 % to 8.16 % gross.
¹ Source : ING analysis - 2021 - 2023.
² Source : ING Portfolio Management Bloomberg. Calculation from 2013 to 2022.
How do native and adopted Luxembourgers maintain or improve
their financial situation?¹
52%
say they invest in investment products.
34%
say they regularly set long-term financial goals.