Among the following options, which invest the best money investments? Buying gold, saving, or insurance? Before answering the question, I explain first one characteristic of each investment product you're asking.
Buying gold. Gold has the most stable and tend to follow inflation and the value of our currency. That is, if prices go up then the price of gold could go up. So gold is perfect for keeping the value of assets we already have that are not consumed by inflation. Because the price is likely to keep pace with inflation, then gold prices will not be too large, and tend to be stable in the short term. And if you buy gold, it means we have to provide a safe place to store it.
If you mean by "saving" this means save in a savings account at the bank, then this could almost be said to be investing. Because if we keep the money in a savings account, interest or for the results is very small even under inflation. This means that the prices of goods to rise above the interest earned on those savings. But this is still better than the saving in terms of just keeping the money under the pillow. And saving money in the bank does not mean that it is pointless, because we can save money safely and can be withdrawn at any time when needed.
Meanwhile, if the insurance, it should be made clear first that insurance is basically a financial product that provides financial protection. While money investment into additional functions, so it can not invest without purchasing insurance as well. So this product should be available when we really need insurance, plus all investing. Insurance can also be used as an investment vehicle there are two kinds of endowment insurance and unitlink. If the endowment insurance, investments usually have a certain guaranteed minimum benefits. Because guaranteed, then the investment is usually very carefully so that the result is also likely to be low. Unlike the unit-linked investment can be more aggressive so that larger, of course, offset by the risk of going up and down in value.
Well, which one is the best? I think everything is fine. And the good thing is that we've got it all. We must have a savings account to save money for the transactional and backup. Gold should we have to keep a backup in case of very high inflation, and suitable to replace the foreign currency deposits. And also we have insurance to protect, as well as benefit from the investment.
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