{"id":1464,"date":"2025-05-06T21:02:47","date_gmt":"2025-05-06T21:02:47","guid":{"rendered":"https:\/\/whairawa.com\/wahine\/?p=1464"},"modified":"2025-05-06T21:02:47","modified_gmt":"2025-05-06T21:02:47","slug":"savingvsinvesting","status":"publish","type":"post","link":"https:\/\/whairawa.com\/wahine\/articles\/savingvsinvesting\/","title":{"rendered":"Capitalise in 2025: Saving vs Investing &#8211; what is the difference?"},"content":{"rendered":"<h5><\/h5>\n<h5><span data-contrast=\"auto\">\ud83d\udcb5 <\/span><span data-contrast=\"auto\">Saving is setting aside money <\/span><b><span data-contrast=\"auto\">now<\/span><\/b><span data-contrast=\"auto\"> for the future, however it can lose its real value over time because of <\/span><b><span data-contrast=\"auto\">inflation<\/span><\/b><span data-contrast=\"auto\">.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:120}\">\u00a0<\/span><\/h5>\n<h5><span data-contrast=\"auto\">\ud83e\udd11 <\/span><span data-contrast=\"auto\">Investing can return money to us, by either <\/span><b><span data-contrast=\"auto\">growing in value<\/span><\/b><span data-contrast=\"auto\"> or <\/span><b><span data-contrast=\"auto\">producing a regular stream of income<\/span><\/b><span data-contrast=\"auto\">.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:120}\">\u00a0<\/span><\/h5>\n<p>&nbsp;<\/p>\n<p><span data-contrast=\"auto\">If these <\/span><span data-contrast=\"auto\">returns are good enough, over time it can potentially outpace inflation (a rise in prices). It\u2019s important to note that returns are not guaranteed and there is risk involved in investing, including losing the money you originally invested.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Now it\u2019s important to know your \u2018why\u2019 when you are considering investing your money.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:1,&quot;335551620&quot;:1}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">It is important to consider your short, medium, and long-term goals as well as the timeframe in which you\u2019d like to achieve them.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:1,&quot;335551620&quot;:1}\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h5><span data-contrast=\"auto\"><span class=\"TextRun SCXW261827227 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW261827227 BCX8\" data-ccp-parastyle=\"Body Text\">Write down your top 3 goals!<\/span><\/span><\/span><\/h5>\n<p><span data-contrast=\"auto\">\u270d\ufe0f<\/span><span data-ccp-props=\"{&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u270d\ufe0f<\/span><span data-ccp-props=\"{&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u270d\ufe0f<\/span><span data-ccp-props=\"{&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\nvar 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class=\"gform_title\">What\u2019s your biggest savings challenge?<\/h2>\n                            <p class='gform_description'><\/p>\n\t\t\t\t\t\t\t<p class='gform_required_legend'>&quot;<span class=\"gfield_required gfield_required_asterisk\">*<\/span>&quot; indicates required fields<\/p>\n                        <\/div><form method='post' enctype='multipart\/form-data'  id='gform_16' class='gpoll_enabled gpoll' action='\/wahine\/wp-json\/wp\/v2\/posts\/1464' data-formid='16' novalidate>\n                        <div class='gform-body gform_body'><div id='gform_fields_16' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id=\"field_16_2\" class=\"gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_16_2'>Email<\/label><div class='ginput_container'><input 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onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_16_1_0' id='label_16_1_0' class='gform-field-label gform-field-label--type-inline'>Unexpected expenses<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_16_1_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_1' type='radio' value='gpoll1a524b485'  id='choice_16_1_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_16_1_1' id='label_16_1_1' class='gform-field-label gform-field-label--type-inline'>Keeping track of spending<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_16_1_2'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_1' type='radio' value='gpoll16435c6e3'  id='choice_16_1_2' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_16_1_2' id='label_16_1_2' class='gform-field-label gform-field-label--type-inline'>Sticking to a plan<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice 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A financial advice disclosure statement is available for Whai Rawa Fund Limited at www.whairawa.com\/financial-advice.<\/em><\/p>\n<p><a href=\"http:\/\/whairawa.com\/wahine\/capitalise\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-1372 size-full\" src=\"https:\/\/whairawa.com\/wahine\/wp-content\/uploads\/2025\/03\/HMM-Facebook-Cover-3.png\" alt=\"\" width=\"2659\" height=\"984\" srcset=\"https:\/\/whairawa.com\/wahine\/wp-content\/uploads\/2025\/03\/HMM-Facebook-Cover-3.png 2659w, https:\/\/whairawa.com\/wahine\/wp-content\/uploads\/2025\/03\/HMM-Facebook-Cover-3-768x284.png 768w\" sizes=\"auto, (max-width: 2659px) 100vw, 2659px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud83d\udcb5 Saving is setting aside money now for the future, however it can lose its real value over time because of inflation.\u00a0\u00a0 \ud83e\udd11 Investing can&#8230;<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"class_list":["post-1464","post","type-post","status-publish","format-standard","hentry","category-article"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Capitalise in 2025: Saving vs Investing - what is the difference? 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