Bitcoin Forum

The veteran people on crypto tend to say that you should keep your coins in your wallet, never on exchages. However if there is a strong downwards movement on a coin and you want to sell to buy latter at a cheaper price it may take quite a bit of time and fees to move it. What is the right strategy?

iam till hold my coin in my wallet not in exchanger
if want sell or trading iam send to exchanger

Some exchanges make it too dificult to move the coins, so I tend to keep them in the exchange. However, I am a bit afraid because it seems that Etherdelta got hacked, coinbase was doing insider trading and ... well too many bad news in the sector.

I use the coinbase wallet since I cannot use an offline wallet because I find it so difficult to manage because I didno thave my own laptop.or CPU to download it.

I think it is better to hold our coin in our wallet than on exchange because we never know what will happen in the exchange. I still save the big amount for every coin that I have in my desktop wallet and I only send it to the exchange if I want to sell or I want to trade in one day. but I admitted that I still have another coin that I take on the exchange just in case I want to do a fast trade so I don't have wait too long for sending the coin to the exchange.

Advantages of holding coins on exchanges:

- Possibility to make order for sell/buy
- Chance to get forks

Disadvantages:

- Possible scam of any exchange

I believe that all money should be kept in different places. Plus, if the money is on the stock exchange, you can make trades on the exchange, minus that nobody will give you 100% security of money. the money in the wallet minus not during the production of trading on the exchange, plus that your money is less susceptible to theft.

I think it's better to keep it on your wallet for security reasons, so how much is in the cryptographic world of scammers

Nothing beats having control over your private keys, helps you sleep at night.
Just make sure you have a feel for the trend of whichever coin your trading, and have the coins on the exchange accordingly.

Well, i think that it depends on your bahaviors toward crypto currencies.
1. Holder => wait for better (much higher) price then sell
- you can be a position trader
- take expected coins from markets or ICOs and transfer them back to your own wallet
- Take profit at some time in not-near future (maybe months, sometimes years)
2. Traders: your choice of scalper, day trader & swing trader
- For scalper & day trader, i dont think you will have chances to transfer back & forth coins between coin wallets (like ETH, WAVES) & exchange wallets => it will cost you a huge transmission fee
- For swing trader: yes you can because you properly take trades some days or some weeks
But again be cautious of transmission fee

Hope it help :-)

Иди нaxep co cвoими пpичинaми

The safest place to ever hold your own money is in your own wallet, regardless of the medium which is being stored.  By giving any other party access to your assets, you are putting those valuables at risk, as there is now an element of trust in this third party that may be compromised down the road.  Yes, the exchange process may be a little slower, but the fact that the coins are safe when not being traded, makes it ideal to hold your own key.

There are only a few decentralized exchanges that give the right to keep your coins in your wallet. All other trading platforms are arranged so that you give the money to the stock exchange

That will change in the near future. There are a lot of projects that mitigate that problem with their decentralized ideas. It's also well past time that this happens, as there are also a lot of shady exchanges around (not only the new ones).

its better to put it in a wallet and not in exchanges wallet,cause once that exchange platform goes to scam say goodbye to all your coins.  If you want to sell then transfer it immediately to exchanges, it will not take an hour to transfer your coins.

Hold your own private key most safe.

I prefer to hold my coins in a desktop or paper wallet sometimes I leave them on exchanges but only if I am trading them currently.

I'd hate see my balance disappear due to another MT Gox  :o

But how do you deal with market dips or even the chance of getting your passwords stolen? I am not so sure that an exchange is less safe than my own computer (with and intel processor).

The best strategy for me would be, hold them in your wallet and not in exchanges because there's a bit of chance that the exchanges your using maybe hacked. It's safer but if you're in a rush just put a bigger fee in the gas and put them in the exchange then trade, after trading withdraw it to your wallet immediately

It is safer to store coins in purses and not on the exchange, as for the strong movement, if the exchange rate is good, you can use ETHERDELTA or BINANCE, the transactions pass very quickly, if everything is decided not by seconds, then these are ideal options if the movement is so fleeting that in a few minutes it can dramatically change direction, it's probably a very risky coin

in my planning, i want save my coins still in wallet, i send my coin to exchanger only if i want trade
because with that way, i can choose the exchanger with the highest price

Yes, I agree with all expert opinions . Always hold your keys and do not store you tokens on an exchange. I use ledger nano , easy to use.

I think that if you bought a coin for long-term storage, you do not need to worry when the coin's price fluctuates. If you decide to keep the coin for several months, then you must withdraw it from the exchange to the personal wallet. To carry out daily trades you can keep some money on the exchange account.

As a newbie using MEW for the first time it's quite terrifying the prospect of keeping my keys safe with all that warnings in red on top of the website. It felt safer to leave coin on exchange lock it away using 2fa for security, it was working for me until some exchanges starts delaying withdrawals boiling down to scams. It's best to hold your coins in wallet.

Case to case basis for me since I do hold off on those coins which do have potential to rise up on future which I don't really tend to make trades no matter what this is why I do separate them. There are coins which are really tend for long term which is kept on those wallet and there are coins which I do trade actively which are being mostly placed on exchanges for fast access and possible decision making.

No matter what, even if you want to sell quickly for forks or not to miss out during the pump or so; do not ever leave your coins in an exchange site.
When your coins are gone, you know there is absolute  no chance of getting them back.
It is better to miss some or few gains than leaving your coins to be stolen by people whom didn't contribute anything in acquiring them. Its quite a painful experience.

Your not supposed to have funds, coins, or tokens on an exchange for longer than you need to trade them. Of course if you are looking to pick up an asset and you need to put some bids in then you are gonna need some funds on the website before hand. In this case it is okay to have funds on but again you generally don't want it there for a month but rather one week or so tops.

Hardware wallets are one of the best ways to securely store cryptocurrency without losing basic functionality. Wallets like the Ledger Nano S or Trezor boast security that would allow the device to be plugged into virtually any system without risking compromising a user’s private keys or other sensitive information — which could result in stolen funds. Private keys are stored on the device itself, so it is not necessary to put your trust into the security of a personal computer. In the case of physical theft, a pin or another method of user-chosen security is often required to access the device. This slows down the thief while you grab your replacement hardware wallet, enter your seed, and transfer the money out of your restored wallet.

Idling it for a week is already long for me. Keeping them on exchanges isn't really a wise thing regarding on previous exchange hacks I'm done already on this matter.Losing precious coins isn't easy at all.You do accumulate them on all of your hard work and funds but in an instant they are all gone once sites being hacked.This is why safety measures would always be advised.

为了安全起见，我觉的应该把钱放在钱包里，这样被骗的概率应该会小一些吧

Just a quick question: If im holding my coins on an exchange, if the exchange gets hacked, that means my coins are gone or they will be held on a temporary wallet somewhere. ??? ???

If you decided to hold your coins for long term you can keep them in your wallet, but if you want to trade or sell or buy new you must use some exchages and it can take some extra time.

I used wallet rather than on exchange I'll take it too long to hold my coins because its good to hold a coins and wait until to the high value of a coin and if I want to sell it I will send it to exchange and trade.

yes, we have time to transfer the coins into the exchange but I think before we do this, we need to make sure that the price will increase or not because once we move to that exchange, we don't have to move into another wallet. I think this is the right strategy that we can do because the price can go up without any warning and if we are late then we cannot make any profit. but if you want to keep your coins for a long-term, then no matter what will happen, you don't move the coin to another wallet.

Always store your Crypto on a hardware wallet like Ledger Nano or Trezor- much safer than storing on any other wallets or an exchange .If you store on sites like myetherwallet there are many phishing sites out there so you have to be very careful , but you cannot go wrong with your hardware wallet (unless you lose your hardware wallet and your seed  ;D)

This is actually the disadvantage when you are holding up your coins into your wallet which it would really takes time for you to transfer those tokens if you are tending to sell those when theres a pump and if you got still lucky then you might able to caught such price but if not then you would end up on missing the chance to make good profits. Keeping coins for long term are just really tend for long term for purposes selling them on those occasional pumps doesn't really matter at all.

The reason why they keep it on their own wallet is because to avoid a sudden scam which is some of the reasons most exchanges are not safe anymore but there are legitimate exchanges out there that's been running for years now. You can put your coins there if you haven't find a new hardware wallet.

There is no right strategy, it depends on what you want to do, since it seems you want to be a trader you have no option but to put your money in an exchange, also the fees are very high so it is no longer possible to make a few trades and then withdraw your coins, however you need to accept the risk those coins may be lost due to a hack to your account or the exchange.

all of my bitcoin and other alts are still in the few exchange, i didn't store it to wallet except Ethereum, since day by day the fees are growing up but the market is become so badly, for me selling my btc or alts to my fiat will become easier and no fees

it is good to have several accounts for exchanges because we could spread the coins into many places and besides that, if the coins increase, there is a different high price from one exchanges between the other so it could possible for you to reach the highest price. but I think you don't have to try to make arbitrage for this because there are need time before you are ready to sell the coins.

All depend on strategy. Right or not nobody know about that.
If the strategy is Keeping altcoin or bitcoin in own private key wallet, so they will not sell although the price ho lower because they will just hold for longer time waiting the price back up.
If your strategy to sell if the price lower and buy back in low price, its not good if you store it in hardwallet.

So finally, all keeping strategy is good based on your own sell or buy strategy.

Private keys for hodling crypto.  For crypto to be used in active and/or daily trading- leave on the exchange.

imo, bitcoin is the only coin that is slow to transact and used to take more fee (that has also come down to a few cents recently). All other cryptos are enough fast and get mined soon enough that you get confirmations easily and there is not much fee involved in other cryptos. So its a better idea to keep your coins in a wallet and in a wallet that gives you the private key to your address.

Else there are cases like cryptsy that can resurface anyway and everyday.  We have seen websites running away with people's money on a regular basis so its better to keep the coins with you rather than in exchanges.

They are both correct. However, if you are trading and not planning to hold coins for longer term, you should keep it on your wallet. May be the best way is to leave some of your coins in the exchanges when the market is in downtrend so you can decide to sell them and buy at a more cheaper price.

Cold storsge should be private keys and print it out.  Exchange is what you can afford to lose.  I could list the now defunct exchanges: mtgox, btce, vircurex, crypsy, and dozens more.

Well, all of your point is true. So many issues in exchanger so we are in forced to choose the right and reputable one.
However, our worry is always come into mind so better leave money in exchanger only the amount that we use for trading and no more.

Hi,
Its better to hold your keys than you storing in the exchange.........

It depends on your budget. The smaller amount you have,  more you spend on comissions sending crypto. If you have a big budget,  I strongly recommend you to keep money in a cold wallet, as your Mew or exchange wallet could be easily compromised

As usually i do, half hold half trade. If I hold all, i will not have funds for every day. Because I was not working. But like a veteran says, still watching at exchange rates in the market. Don't be reckless to trade it.

All $ 425M stolen by NEM in a hacker attack on Coincheck will be returned to investors
https://www.newsbtc.com/2018/01/28/coincheck-announce-customer-refund/

I prefer holding my keys than money on exchanges. Holding my own keys is much better than money on exchange because we don't know what will happen if you exchange. If i hold my keys i know if it is the right time to exchange it but if you do money on exchange you don't know if good or it scam. And lastly, don't share any information about your account, and don't trust unknown people.

This is great news, while I was not affected directly by this it is nice to hear from a business owning up their mistakes, now lets hope they improve their security and that this never happens again, but I think this may end up being something good for them, this creates good publicity for them since it shows they are honest and not everything is about getting profit for them.

I too follow up this and today they have the send the amount for 90 percent people already. I really about the these kind of hacks make the investors fear on crypto trading and holding as well.
I expect that coins are secured in the online wallet as well like how the private key secured makes the people happy.
For op, I can see that holding would be the best move than investing on the exchanges.

I wouldn't hold your entire portfolio on the exchange. Even if you like to trade regularly - you don't need 100% of assets on any given exchange. If you make say 25% on a trade, I know it's tempting lump all that profit into the next trade. Instead, maybe look at transferring 50% of any profits into a hard wallet.

If you buy coins for long-term storage, you do not have to worry when coin prices fluctuate. when you decide to keep a coin for several months, then you have to withdraw it from the exchange to your personal wallet.

Hold your keys always. It's fine to keep coin on an exchange for a quick sell but wouldn't keep coins on there long term.

The safest place to have your coins is in a private key.  This is something that only you can access and have full control over.  Having your coins on an exchange means that you are relying on someone else to keep them safe for you, which means you no longer have full control.  Only keep what you need for ease of trading on an exchange, long term holds should be stored on a private and secure key.

It was manually applicable if your money or coins is physically, but since bitcoin is a technologically currencies the safest way is put it on the exchange. Because using exchange they can easily earn money or crypto currencies because you put it as investment.

My strategy is keep most of my coins on my hardware wallet or appropriate wallets for those altcoins while I remain a very little amount of coins in exchanges that's good for trading. And that amount is only affordable to lose so if ever something happens to the exchange that will not give me too much pain. The fee now isn't a problem, its worth paying for the security for your crypto assets.

Diversity. I keep some of my trading stash on exchanges. Majority of my coins are on the hardware wallets.
I spread my coins on two hardware wallets and in the future if I get more valuable coins I will spread more.

It depends on what you want to do, it seems that you want to be a trader you have no choice but to put your money in exchange, the cost is so high that it is no longer possible to make some trades and then withdraw your money but you have to accept those risks .

The strategy depends on how much you want to trade or hold your coins for longer terms. coins for long term storage should be stored off exchanges.

Yes is true Sometimes you (one)  can face some network challenges by depositing those tokens to your exchange site.  So the best to do is just deposit  and leave it,  secondly depends on individuals choice one can choose to hold on his Wallet  without depositing to exchange so for security purpose one have to hold.

I think that is more secure if you keep your coins into your wallet, and wait for the right moment to sell, then, convert them. Because if you keep them in exchange you lose it, you can be hacked, scammed, but they are also pros keeping you money in exchange, like: fast making orders to sell/buy. But if you want, you can keep your coins in different places.

Just choose what is more comfortable on your side. It's up to your strategy on handling keys or money. Just make sure that you create profit and avoid loss. Just make decision smart and be confident since you've got a lot of good comment on your thread. Just take a risk, it's always a demand specially here in crypto community. Goodluck mate!

In my opinion it is the safest way to store crypto coins in your wallet, I do not trust the exchange of crypto currencies, they can disappear at any moment.

Today there is no place where it is safe to store your crypto coins if you store them on the stock exchange or in your wallet.

That could work but many people simply do not have the capital to do such a thing, if they did that to their capital their profits will become very low, so low that they could not justify trading anymore, that is why you see stories of people making the same mistakes because they trade with all the capital available they have.

to be more safe we still keep the coins we have in our wallets each just sometimes we will lose a precious moment if we find a good price.

If you keep tokens in long-term then it is better to keep them on your wallet, if you actively trade it is more convenient to keep on the stock exchange so as not to pay for the commission when transferring. The best strategy is to keep part of the tokens on the exchange, and the other part on the purse.

A little battle?

My good strategy is to put money in exchange when under there we have time to buy to invest so it's not in vain if the price goes up it's time to make a profit

Are you talking stock exchange? If it is then we are on different field buddy but it is on the same concept where we should vary if we are trading tokens for long term or not. If we do itt actively then storing it on exchanges would really be a good choice since we can make actions directly on how the market moves either we do buy or sell.This is advantage to get rid of fees but expect the risk on leaving your tokens out of those exchanges.

Spreading your coins is always nice just remember to not forget where you put those coins, there have been cases of people forgetting they had a wallet with X amount of bitcoin and then they forget their password and it is impossible for them to get access to their coins, so also keep a list of the amount of wallets you have and the amount of money that is in there.

At a time when the exchange rate is declining today, store cryptos on the exchange floor are needed because it is advisable to buy cryptos when the exchange rate is at the bottom. If you were to stay at e-wallet then you would not have the chance to purchase the cryptos at the lowest price to hold and make a profit. Experience is to select the reputable exchange floor to store temporary cryptos on it.

I always keep my keys in a physical wallet. It's safer this way.

It like carrying your personal bank. I was thinking about carry my key on paper. It seem safer.

I think both physical wallet and paper wallet is safe as long as we can keep it in one place that only we will know the place. besides that, I think it will more safe to keep the coins in that wallet than we save it in the wallet on the exchanges. but unfortunately, there are not many wallets that could save many coins at the same time so we need to select only the coins that will available with the wallet that we have.

I think a good strategy to save money in the wallet security exchange can also be guaranteed and can also be used to buy trading altcoin trading

Choosing what it is more comfortable is not really the best way to approach this situation, many people have chosen the easy option and as a consequence they have lost their money, hackers are very smart and are going to use every trick they know in order to get to your coins, your job as a bitcoin holder is to make that job more difficult for them that way instead of targeting you they are going to move their sights to easier targets.

I think it better to hold on wallets, because some exchanges is scam... have sad experience , lose my tokens on exchange coingather! they just stole all money users..

I would definitely consider this coin, it has a niche market and had an amazing start!

Check out this new coin, already on exchange!  ROI looks very good!  Medical & Commercial Cryptocurrency with Masternode and Privacy!

https://bitcointalk.org/index.php?topic=2753447.0

Do your own research, study your own investments Smiley and luck will come to you Smiley


The stats are taking from https://masternodes.online/currencies/MEDIC/
MEDIC DAILY INCOME (02/01/2018)
$1,177.6975
0.13773984 BTC
5465.8667 MEDIC

Although BTC price is low today but MEDIC MNs still have very good return.

I would look for exchanges with high trading volumes

I would say that it depends on which exchange. I tend to trust some of them more than others based on their country. An exchange in a tax heaven may be too opaque.

I have hold my coins on exchanges so far (big ones like Binance). I tend to trade way more often and having sometimes really bad days, which why I exchanged them to an offline wallet.
Since I'm now holding my coins on the offline wallet, I still look at the price, but are not tempted to instantly trade and regret my decision afterwards.
If you are a good daytrader and have patience sitting on the computer for the whole day, go for the exchange.
If you are impatience like me and want to make long-term profit, then it is just better to hold your coins in your private wallet.

Right decession....
Hold your private is better.my recommend hardware wallet ledger nano.

I think it's good we keep it in the place of exchange if it is there we just stay there when there is a good moment moment for us to sell the coins we have.

If you buy coins for long-term storage, you do not have to worry when coin prices fluctuate. when you decide to keep a coin for several months, then you have to withdraw it from the exchange to your personal wallet.

The fact that it is safer to keep your keys in the wallet, and not on the stock exchange, should be known not only to veterans

yeah, and if we have many altcoins in our account then we need to find multi wallet so we can move the altcoin and leave the small amount in the exchange just in case if we want to do fast sell. I have a bad experience too with the scam exchange and I don't want it happens again in the future so I need to take care my coin.

Holding a key is best when compared to the exchanges.

As an investor or as an holder of coins we do really took the security on what we do hold but there are really instances on which we would really need to choose up or decide wither where we would gonna store up our coins. If we are an active trader then most of the time we do store most of coins in an exchange for fast executions of trades and theres really always a risk behind it.

I keep a small part of my funds (no more than 20%) at legit exchanges like bittrex, binance, kucoin, gate.io. It's a less risky startegy than if you keep all your money at exchanges + you are able to trade in momentum.

Holding cryptos on a large exchange floor such as Binance, Bittrex, OKEx, etc. to trade is perfectly reasonable if you want to sell the cryptos fastest with high prices. The safest thing to do is to put your wallet with a private key to prevent hackers from appropriating the cryptos at the exchange floors. If you need a quick transaction, the store cryptos on the exchange floor will be the best choice.

I think there is a fine balance between how much coins can you leave on an exchange without any fear vs keeping all of it in exchanges. At current rates, anything under 1 BTC is perfectly reasonable imo.

For me, im going to sell my coin and buy at the lowest possible value of the coin. Then I will hold till it goes up again. By that , im going to get back the money that I loss when I exchange my coin in low price. Together with the income it bring because of the high rate to exchange.

I almost lost quite some coins with the btc-e.com desaster.
Never ever will I leave coins on a exchange more time than necessary.
Especially when I read about bitgrail and similiar ;)

But how do we know that the price will strong down or just fast correction and go fast high again.
In this position, strong holder deny to sell their coin if the price lower because they have own target for long term.
Spare enough money to buy back in lower price is better strategy.

Hacker is the big problem for us if we hold money in exchange. Keep the asset in exchange make us worry if the exchange got hack from smart hacker.
So thats why people prefer keep in private key wallet rather than in exchange

I am more amenable to saving the coin in my personal wallet, because storing it in exchange in my opinion is too risky, although if we are going to sell coin takes a lot of time to transfer from wallet to exchange but it's all for the security of the coin I have.

Just you have to keep on the wallets those coins that you are not going to sell 1-2 years.  And on the stock exchanges, keep a small part of the capital for trading.  In the case of such corrections or pamps, you could always sell or buy altcoins quickly.

I usually keep my coins on wallet for which I am holding private key , also I avoid coinbase wallet because it is accused of insider trading. Keeping your coins on exchange is not safe as now today hacker are targeting Crypto currency exchanges ,& somehow for any reason the exchange is hacked or closed for some reason (Government notice) than you can lose all your coins. Send your coins to exchange only when you need to trade, after trading send back your coins to your personal wallet.

If you have an experience or an expert when it comes to exchanges then go with it. But if you want a safer profit better if you are going to hold your coins. But honestly both are just profitable ways and there is no superior to the other. It is just personal preference.

I am more on the idea of having a little bit of everything and never trust too much to the same wallet or exchange. I assume that sooner or later I will be hacked one way or the other, so I just want to limit the damage.

Good opinion, sounds like, don't trust to anyone easily. Even your own dog can bite you for an instant. Well it's up to each and everyone on how they keep their tokens and accounts. But basically, you need atleast two kind of wallet and divide all your income and investment for your own security. Hope that you have other email too for recovery sense.

I have very bad experience of holding tokens on exchange, I had not small sum of tokens on coin coingather and in one moment they stole all money, SO not famous exchanges I do not use

For me it must all be appropriate conditions because then we can put the right position. save the coin in the wallet does have advantages of the coin that we have will be very safe if stored in a long time and when choosing the exchange then we will get the ease of mobility so that we can perform various transactions easily. So every condition has its own advantages and disadvantages, then we should be able to put well and precisely.

I think keep our money or crypto currency in offline wallet is more safe. If you do not have an offline wallet you can use their own wallet
which has an it. if this is not available, you need to find a reliable exchange like binance or etc.

I keep the biggest part of my capital at the hardware wallet and the rest on exchanges. This reduces the risk of losing my coins, since you can not keep all the eggs in one basket. It's convenient to transfer my capital to alts or USD depending on the market trend.

In short if you are an active trader then moving out back and forth to your coins will really make some disadvantages since we do know that every second counts on doing trading yet chances do only come in a glimpse and to be profitable we should really have the fastest time to make transactions with our coins and if we do store it on cold storages and making transfer then most of the time we do missed that opportunity which it is the main disadvantage on such scenario.

Assets/money are exchanges have their advantages and disadvantages. Quick sells are possible only on exchanges, this is tenable when assets are on exchanges, especially when the token is a having downward trend and you want to quickly cashout.

Having tokens in wallets which you have control of the private, gives that peace of mind

I keep a small part of altkoins on the stock exchange, in order that in case of a sharp increase in the coin, have time to make a profit.  Since sometimes it happens that the transaction takes a long time from the wallet, and during this time the situation on the exchange may change.

Putting COINS in your wallet is something you hold for a long time, if you need to trade, of course, it's easier to put it on the exchange.

Don't put COINS on the exchange for too long, if you don't want to trade them.

Be careful when putting your investments in the exchanges. You can put it there if you're ready to trade it but if not, just keep in your wallet its the safest way. Always make sure to put 2FAs on your crypto related accounts nd most specially your keys so that you can still have a peaceful sleep at night.

But using a wallet you are not able to create a stop-loss order, so all you gain from storing it safely you loosing on the chance of the market suddenly dropping.

I agree with such idea that you have to split all your coins. The coins that you not gonna trade and if they are on hodl mode - offline.
All the others you have to put on different exchanges.
And the first rule of every trader:

1. DO NOT keep all the coins/tokens in one exchage ;D

as for me, i think u should hold them not in exchanges because there's a bit of chance that the exchanges ur using maybe hacked. It's r really safer but if u'r in a rush just put a bigger fee in the gas and put them in the exchange then trade, after trading withdraw it to ur wallet right now.

New coins to buy? LEDU coins, great team, Binance soon. Currently on bibox and gate.io and other 5 exchanges  Both exchanges offering a chance to win Tesla and nano ledger.

Just choose what is more comfortable on your side. It's up to your strategy on handling keys or money. Just make sure that you create profit and avoid loss. Just make decision smart and be confident since you've got a lot of good comment on your thread. Just take a risk, it's always a demand specially here in crypto community. Goodluck mate!

I`ve split my investments on several exchanges and that is how i try to navigate and control the risks. I am not inclined in waiting unknown amount of time to sell my coins and there is always the risk of wallet under maintanance etc. 8)

This would mainly happen where you will make transactions in and out into your wallet and will really cost you fees and time and when you are making any trade then it will be a delay for you and i agree that have being said that trading do comes in chance and its important to make orders as fast as you can.
Always divide your money which are plan for long term and which are for short term.

I believe that all money should be kept in different places. Plus, if the money is on the stock exchange, you can make trades on the exchange, minus that nobody will give you 100% security of money.

I save more than 30% currency's on my exchanges: HitBTC/Binance/Kucoin. And I think nothing bad in this not, if you have 2FA authentification