Savings& investments 2

Biblical Principles of

Savings & Investments

GOD IS NOT AGAINST WEALTH

Proverbs 10:22

The blessing of the Lord brings wealth,

and he adds no trouble to it.

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GOD IS NOT AGAINST WEALTH

The bible has - 2,350 verses

- 16 of Jesus’ 38 parables about money

IMPORTANCE OF MONEY MANAGEMENT

1. Affects our relationship with GodLuke 16:11

“Therefore, if you have not been faithful in the use of worldly wealth, who will entrust the true riches to

you?”

IMPORTANCE OF MONEY MANAGEMENT

2. Money competes with God for first place in our lives.

Matt 6:24“No one can serve two masters.

Either he will hate the one and love the other, or he will be

devoted to the one and despise the other. You cannot serve both

God and money.”

IMPORTANCE OF MONEY MANAGEMENT

3. Much of our lives revolve around the use of money.

GOD IS CONCERNED ABOUT 3 THINGS

1. our attitude towards wealth

2. the source of our wealth3. how we use our wealth

1 ATTITUDE TOWARDS WEALTH

I Timothy 6:10For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith

and pierced themselves with many griefs.

Proverbs 13:8A man’s riches may ransom his life,

but a poor man hears no threat. 8

2 SOURCE OF YOUR WEALTH (DO NOT COVET)

Proverbs 10:2Ill-gotten treasures are of no value,

but righteousness delivers from death.

Proverbs 16:8Better a little with righteousnessthan much gain with injustice. 9

Proverbs 15:16

Better a little with the fear of the Lord

than great wealth with turmoil.

3 HOW YOU USE YOUR WEALTH

Luke 16:1 – 12 The Parable of the Shrewd Manager

V9….use worldly wealth to gain friends for yourselves,

so that when it is gone, you will be welcomed into eternal

dwellings. 11

Hebrews 13:5

Keep your lives free from the love of money

and be content with what you have,.

BIBLICAL PRINCIPLES

Savings

SAVINGS

Gen 41 – Joseph

7 FAT COWS - 7 LEAN COWS

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JUST AS JOSEPH TOLD PHAROAH

Gen 41:34

Let Pharaoh appoint commissioners over the land to

take a fifth of the harvest of Egypt during the seven years of

abundance. 15

SAVINGS IS ENCOURAGED IN THE BIBLE

Proverbs 21:20

In the house of the wise are stores of choice food and oil, but a foolish man devours all

he has.

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SAVINGS IS ENCOURAGED IN THE BIBLE

Proverbs 30:24-25“four things on earth are small,

yet they are extremely wise:Ants are creatures of little strength, yet they store up their food in the

summer; …..

BUT THERE ARE RULES

#1 - Give before saving

#2 - Save Regularly

#1 - GIVE BEFORE SAVING

Proverbs 3:9 Honor the Lord with your

wealth, with the firstfruits of all your crops;

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#2 - SAVE REGULARLY

Proverbs 21:5

The plans of the diligent lead to profit as surely as haste leads to

poverty.

Proverbs 13:11b……He who gathers money little by

little makes it grow20

#3 - HOW MUCH SHOULD WE SAVE?

Gen 41:34 – The Joseph Principle

20 %

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TITHE BEFORE YOU SAVE

#1 Tithe 10%

#2 Save 20%

Emergency Fund 3 – 9 months

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BIBLICAL PRINCIPLES

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Investment

INVESTMENTS IS ENCOURAGED

Proverbs 21:5The plans of the diligent leads

to profit as surely as haste leads to poverty. (NIV)

Steady plodding brings prosperity; hasty speculation

brings poverty.(TLB)

#1 – CLEAR YOUR DEBTS

Invest with savings, not with loans.

Say “NO” to :-- credit cards debts

- personal loans- margin trading accounts

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#1 – CLEAR YOUR DEBTS

i. Debt is slavery

Proverbs 22:7The rich rule over the poor,

And the borrower is servant to the Lender.

ii. Debt - “a curse” for disobedience Deu 28:43-44

The alien who lives among you will rise above you….

He will lend to you, but you will not lend to him. He will be the head, but you will be the tail.

iii. Debt presumes upon tomorrow – spending ahead of

earning ability.Scripture cautions us against

presumptions. James 4:13-15

#1 – CLEAR YOUR DEBTS

Debts that build value : Housing Loans Proverbs 21:5

Steady plodding brings prosperity;…..

#2 – AVOID “GET RICH QUICK” SCHEMES

I Timothy 6:9-10

People who want to get rich fall into temptation and a trap and into many foolish and harmful

desires that plunge men into ruin and destruction.

For the love of money is a root of all kinds of evil……. 30

#2 – AVOID “GET RICH QUICK” SCHEMES

Proverbs 23:4Do not wear yourself out to get rich; have the wisdom to show

restraint.

Proverbs 28:20 “A faithful man will be richly

blessed, but one eager to get rich will not go unpunished.”

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#2 – AVOID “GET RICH QUICK” SCHEMES

Luke 12:15“Watch out! Be on your guard against all kinds of greed; a

man’s life does not consist in the abundance of his possessions.

Proverbs 15:16Better a little with the fear of the

Lord than great wealth with turmoil.

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#2 – AVOID “GET RICH QUICK” SCHEMES

Capital Protection

Capital Preservation

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WATCH YOUR CAPITAL

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Capital

100%

3%

5%

6% 8%

10%

# 3 – AVOID RISKY INVESTMENTS

Proverbs 21:5The plans of the diligent lead

to profit as surely as haste leads to poverty.

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# 3 – AVOID RISKY INVESTMENTS

Eccl 5:13-15 (TLB)There is another serious problem I

have seen everywhere – savings are put into risky investments

that turn sour, and soon there is nothing left to pass on to one’s

son. The man who speculates is soon

back to where he began – with nothing.

# 3 – AVOID RISKY INVESTMENTS

Invest only in what you can

understand

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Remember 2008

CAN YOU UNDERSTAND THESE?

Fixed deposits (not structured deposits)Insurance policies

Bonds Stocks

unit trusts / ETFs

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DO YOU UNDERSTAND THESE ???

CommoditiesForeign Currencies

DerivativesOptions

Warrants40

OR THESE ???

Structured productsCFDCDOCDS

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#4 - KEEP TRACT OF YOUR INVESTMENTS

Proverbs 27:23Be sure you know the condition of your

flocks, give careful attention to your herds;

For riches do not endure forever, And a crown is not secure

for all generations.

# 5 – DIVERSIFY

Ecclesiastes 11:2

Give portions to seven, yes to eight, for you do not know

what disaster may come upon the land.

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DO ASSET ALLOCATION

Cash/Bank

Deposits70%

bond

s20%

Gold/Stock

s10%

#6 – INVEST LONG TERM

Proverbs 13:22

A good man leaves an inheritance for his children’s children,

But a sinner’s wealth is stored up for the righteous.

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#6 – INVEST LONG TERM

Your Home

Mortgage - keep it affordable

Build family relationshipsLove & Peace

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#7 – INVEST FOR ETERNITY

Matt 6:20

“But store up for yourselves treasures in heaven, where moth

and rust do not destroy, and where thieves do not break in

and steal.”

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#7 – INVEST FOR ETERNITY

Grow in wisdom and understanding of God’s word

Proverbs 4:7Wisdom is supreme; therefore get

wisdom.Though it cost all you have, get

understanding. 48

#7 – INVEST FOR ETERNITY

Proverbs 23:23

Buy the truth and do not sell it;

Get wisdom, discipline and understanding.

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BE CONTENT

I Timothy 6:6-8

But godliness with contentment is great gain. For we brought nothing

into the world, and we can take nothing out of it. But if we have

food and clothing, we will be content with that.

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Blessings for obedience

Deu 28:1-14

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ONLY GOD CAN PROTECT YOUR INVESTMENTS

Mal 3:11 - 12“I will prevent pests from

devouring your crops, and the vines in your fields will not cast

their fruit,” says the Lord Almighty.

“Then all the nations will called you blessed, for yours will be a

delightful land,” says the Lord Almighty.

END