1) The document discusses biblical principles of savings and investments, noting that God is not against wealth when obtained ethically. 2) It encourages savings by referencing biblical figures like Joseph, and recommends saving 20% of income after tithing 10%. 3) The document warns against risky or get-rich-quick schemes, advising investing only in understandable assets and diversifying investments for long-term growth.

1. Biblical Principles
of
Savings & Investments

2. GOD IS NOT AGAINST
WEALTH
Proverbs 10:22
The blessing of the Lord brings
wealth,
and he adds no trouble to it.
2

3. GOD IS NOT AGAINST WEALTH
The bible has
- 2,350 verses
- 16 of Jesus’ 38 parables
about money

4. IMPORTANCE OF MONEY
MANAGEMENT
1. Affects our relationship with God
Luke 16:11
“Therefore, if you have not been faithful in
the use of worldly wealth, who will entrust
the true riches to you?”

5. 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.”

6. IMPORTANCE OF MONEY
MANAGEMENT
3. Much of our lives revolve around
the use of money.

7. GOD IS CONCERNED ABOUT 3
THINGS
1. our attitude towards wealth
2. the source of our wealth
3. how we use our wealth

8. 1 ATTITUDE TOWARDS WEALTH
I Timothy 6:10
For 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 13:8
A man’s riches may ransom his life,
but a poor man hears no threat. 8

9. 2 SOURCE OF YOUR WEALTH
(DO NOT COVET)
Proverbs 10:2
Ill-gotten treasures are of no value, but
righteousness delivers from death.
Proverbs 16:8
Better a little with righteousness
than much gain with injustice.
9

10. Proverbs 15:16
Better a little with the fear of the Lord
than great wealth with turmoil.

11. 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

12. Hebrews 13:5
Keep your lives free from
the love of money
and be content with what you
have,.

13. BIBLICAL PRINCIPLES
Savings

14. SAVINGS
Gen 41 – Joseph
7 FAT COWS - 7 LEAN COWS
14

15. 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

16. 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.
16

17. 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; …..

18. BUT THERE ARE RULES
#1 - Give before saving
#2 - Save Regularly

19. #1 - GIVE BEFORE
SAVING
Proverbs 3:9
Honor the Lord with your
wealth, with the firstfruits of all
your crops;
19

20. #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 grow
20

21. #3 - HOW MUCH SHOULD WE SAVE?
Gen 41:34 – The Joseph Principle
20 %
21

22. TITHE BEFORE YOU SAVE
#1 Tithe 10%
#2 Save 20%
Emergency Fund 3 – 9 months
22

23. BIBLICAL PRINCIPLES
23

24. INVESTMENTS IS ENCOURAGED
Proverbs 21:5
The plans of the diligent leads to
profit as surely as haste leads to
poverty. (NIV)
Steady plodding brings prosperity;
hasty speculation brings poverty.
(TLB)

25. #1 – CLEAR YOUR DEBTS
Invest with savings, not with
loans.
Say “NO” to :-
- credit cards debts
- personal loans
- margin trading accounts
25

26. #1 – CLEAR YOUR DEBTS
i. Debt is slavery
Proverbs 22:7
The rich rule over the poor,
And the borrower is servant to the
Lender.

27. 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.

28. iii. Debt presumes upon tomorrow –
spending ahead of earning ability.
Scripture cautions us against
presumptions.
James 4:13-15

29. #1 – CLEAR YOUR DEBTS
Debts that build value :
Housing Loans
Proverbs 21:5
Steady plodding brings prosperity;…..

30. #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

31. #2 – AVOID “GET RICH QUICK”
SCHEMES
Proverbs 23:4
Do 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.” 31

32. #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 15:16
Better a little with the fear of the Lord
than great wealth with turmoil. 32

33. #2 – AVOID “GET RICH QUICK”
SCHEMES
Capital Protection
Capital Preservation
33

34. WATCH YOUR CAPITAL
6% 8%
5%
10%
3%
Capital
100%
34

35. # 3 – AVOID RISKY
INVESTMENTS
Proverbs 21:5
The plans of the diligent lead to
profit as surely as haste leads to
poverty.
35

36. # 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.

37. # 3 – AVOID RISKY
INVESTMENTS
Invest only in what you can
understand
37

38. Remember 2008

39. CAN YOU UNDERSTAND
THESE?
Fixed deposits (not structured deposits)
Insurance policies
Bonds
Stocks
unit trusts / ETFs
39

40. DO YOU UNDERSTAND THESE
???
Commodities
Foreign Currencies
Derivatives
Options
Warrants
40

41. OR THESE ???
Structured products
CFD
CDO
CDS
41

42. #4 - KEEP TRACT OF YOUR
INVESTMENTS
Proverbs 27:23
Be 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.

43. # 5 – DIVERSIFY
Ecclesiastes 11:2
Give portions to seven, yes to
eight, for you do not know what
disaster may come upon the
land.
43

44. DO ASSET ALLOCATION
Cash/
Bank bonds
Gold/
Stocks
Deposits 20% 10%
70%

45. #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.
45

46. #6 – INVEST LONG TERM
Your Home
Mortgage - keep it affordable
Build family relationships
Love & Peace
46

47. #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.”
47

48. #7 – INVEST FOR
ETERNITY
Grow in wisdom and understanding of
God’s word
Proverbs 4:7
Wisdom is supreme; therefore get
wisdom.
Though it cost all you have, get
understanding. 48

49. #7 – INVEST FOR ETERNITY
Proverbs 23:23
Buy the truth and do not sell it;
Get wisdom, discipline and
understanding.
49

50. 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.
50

51. Blessings for obedience
51
Deu 28:1-14

52. 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.

53. END