VIDEO Economisești sau investești? De câți bani ai nevoie înainte să îți asumi riscuri • Newsweek România

Mădălina Ion, founder of IM Consulting, discusses the distinction between saving and investing, emphasizing the importance of having an emergency fund before making investments. She recommends setting aside at least three months' worth of income to cover unexpected expenses. Investment options like Fidelis government bonds and bank deposits are explored, highlighting the risks associated with selling bonds before maturity and the importance of understanding deposit terms. Additionally, she addresses voluntary pension plans and life insurance with investment components, stressing the need for careful evaluation of costs and benefits before choosing financial products.