黄金还是比特币?现在应该投资哪个更好?
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Gold is an entirely different matter. Its usefulness extends beyond the borders of one country, and it has also been used for purposes other than payments, although in principle it is no longer used as currency anywhere nowadays because it is too valuable and limited in quantity. Its value lies in the fact that it is rare, difficult to obtain and many people want to own at least some gold.
On the other hand, the gold price chart for several years shows large fluctuations and, for example, people who bought it on the high in 2011 had to wait until 2020 for the price to again exceed $ 1,800 per ounce.
At the same time, Bitcoin went from cents to $20,000, then fell to $3,500, then rose again to nearly $30,000. For this reason, gold is considered a safe option, although it requires patience and does not promise high profits in the short term, and BTC is considered very risky and unpredictable, but in return giving hope for multiple multiplication of capital.
You mentioned that you have 20,000 zlotys. In the case of gold, this is not enough to buy too much - unless you decide to go for silver alone. The cost of a 1-ounce gold bar or coin is currently around PLN 8,500. In turn, one silver bullion coin costs about PLN 130. For larger quantities, you can ask for discounts, so you have the chance to pay even less. You have to decide what you care more about: quantity or gold. With this amount of investment, you will not go crazy, but in my opinion it is better to have at least some of the savings in precious metals than all in the bank.
The decision on what and in what quantity you buy will affect the profitability of the entire investment. Each such product is charged with the dealer's margin. It is the least profitable to buy small weights, e.g. 1 gram, because they have a higher percentage of the margin in the price. On the other hand, a bar weighing 1 kilogram (like in the movies) is a serious expense, and at the same time a hassle to store or transport. That's why I personally opted for bullion coins or 1-ounce bars (about 31.1 grams). Bars are slightly more profitable.
Bitcoin has the advantage that it is divisible up to 8 decimal places (we call them satoshi), which means that you can buy a piece of it for even several hundred zlotys. There are even people who average the price by buying a certain amount of BTC every month for a fixed amount. The problem is that transaction fees make sending small amounts of Bitcoin unprofitable, and keeping cryptocurrencies on the exchange can be risky. Therefore, this matter needs to be seriously considered.
I cannot advise you, but I know one thing - diversification has never hurt anyone, and many times it has saved capital from loss.
Gold is an entirely different matter. Its usefulness extends beyond the borders of one country, and it has also been used for purposes other than payments, although in principle it is no longer used as currency anywhere nowadays because it is too valuable and limited in quantity. Its value lies in the fact that it is rare, difficult to obtain and many people want to own at least some gold.
On the other hand, the gold price chart for several years shows large fluctuations and, for example, people who bought it on the high in 2011 had to wait until 2020 for the price to again exceed $ 1,800 per ounce.
At the same time, Bitcoin went from cents to $20,000, then fell to $3,500, then rose again to nearly $30,000. For this reason, gold is considered a safe option, although it requires patience and does not promise high profits in the short term, and BTC is considered very risky and unpredictable, but in return giving hope for multiple multiplication of capital.
You mentioned that you have 20,000 zlotys. In the case of gold, this is not enough to buy too much - unless you decide to go for silver alone. The cost of a 1-ounce gold bar or coin is currently around PLN 8,500. In turn, one silver bullion coin costs about PLN 130. For larger quantities, you can ask for discounts, so you have the chance to pay even less. You have to decide what you care more about: quantity or gold. With this amount of investment, you will not go crazy, but in my opinion it is better to have at least some of the savings in precious metals than all in the bank.
The decision on what and in what quantity you buy will affect the profitability of the entire investment. Each such product is charged with the dealer's margin. It is the least profitable to buy small weights, e.g. 1 gram, because they have a higher percentage of the margin in the price. On the other hand, a bar weighing 1 kilogram (like in the movies) is a serious expense, and at the same time a hassle to store or transport. That's why I personally opted for bullion coins or 1-ounce bars (about 31.1 grams). Bars are slightly more profitable.
Bitcoin has the advantage that it is divisible up to 8 decimal places (we call them satoshi), which means that you can buy a piece of it for even several hundred zlotys. There are even people who average the price by buying a certain amount of BTC every month for a fixed amount. The problem is that transaction fees make sending small amounts of Bitcoin unprofitable, and keeping cryptocurrencies on the exchange can be risky. Therefore, this matter needs to be seriously considered.
I cannot advise you, but I know one thing - diversification has never hurt anyone, and many times it has saved capital from loss.
Machine translated
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If I were you, I wouldn't invest in just one asset. It's always worth diversifying your investments. This allows us to secure capital. If bitcoin fails, you will still keep some of your gold investment.
Coming back to the topic: I would invest half in gold at this point, and keep the other half until the first recovery of the bitcoin price. I think that in the near future we can expect a price drop to around $7,000 and it is at this price that I would invest in Bitcoin.
If I were you, I wouldn't invest in just one asset. It's always worth diversifying your investments. This allows us to secure capital. If bitcoin fails, you will still keep some of your gold investment.
Coming back to the topic: I would invest half in gold at this point, and keep the other half until the first recovery of the bitcoin price. I think that in the near future we can expect a price drop to around $7,000 and it is at this price that I would invest in Bitcoin.
Machine translated

Machine translated