Bitcoin Forum

I don't invest money easily in any asset because of fear of losing that money. i think of investing 80% of total savings.
do taking risk is important or not?

please quote all question and answer it's very helpful for me and others.

Not everything is worth investing in. Investment is meant to be done in something you see potential in. If you invest wrongly, those investments turn out not to be investments but wasted and misused resources.

It's true that the higher the risk, the higher the return, but that doesn't mean you should invest all you have into something that you are not sure of; if something happens to those investments, you might be in a very bad state that will be hard for you to come out of.
Do your own research, choose things of interest, invest only what you can afford to lose, and don't be deceived by greed for a higher return.

80% is a lot of portion of your savings. Answer the question first if you're willing to lose that? By having that confidence that you're okay to lose that money because investing isn't guaranteed for everybody to earn.

Yes, no risk - no gain.
That's why taking risk is important, it is also teaching you on how to be a better person because you'll have the guts to do the uncertain. But once you're done with it, it's almost certain that you can invest in everywhere and can calculate risk that you might take in the future.

Investing is all about taking risk, if you can’t handle it then at least lessen the risk.
Investing should not be your savings especially if its with crypto, because making profit here is not guaranteed at all. Do continue analyze the market and take whatever you can because at the end of the day your investments will always depend on your risk appetite, so take whatever you can afford.

I agree we should be very cautious when it comes to investment.  We must do our own research thoroughly and not just invest to anything we think abruptly.


If this is the amount you can afford to lose then go for it.  Just make sure that you have knowledge prior to the asset you are investing.  As I stated, research deeply both on the company or the asset, and its market trend.


Risk is part of investment but it is minimized if not nullified by risk management.  It is better to know how to maximize the risk management effect to our investment.  One cannot escape risk when investing but he can minimize it through risk management.

You can use this guideline published on the internet for risk management.

Step 1: Identify Your Risks
Step 2: Analyze All Risks
Step 3: Evaluate and Prioritize Every Risk
Step 4: Treat Your Risks
Step 5: Monitor Your Risks

You can read the explanation in this site: https://reciprocity.com/blog/5-step-risk-management-process/.  The site includes Risk Managment Methods and processes and Risk Management standards.  It is helpful if we wanted to know more about risk management.

Having a clear knowledge about a product before investing into it is the most paramount thing in investments. There are assets with ROI of higher percentage but sometimes their longevity or even risk involved in it are also way higher like stock and cryptocurrency. If the 80% is from your total income and the particular asset to invest in is bitcoin or cryptocurrency at large then I would say it is quite high. Even if you have made up your mind to invest that amount then it would be better to diversify your portfolio. This portfolio shouldn’t in any way include Alticoins because they are way too risky to be used as am investment tool. As for bitcoin your percentage should be within 20% to 30% as this will give you the ability to hold for long

Certainly risk taking is sometimes what differentiates the successful rich people and the poor. But this are calculated risk and not risk taking because of fear of missing out on a project.

Which asset are you particularly talking about? I can decide to buy a car that I want to use for taxi driving. After buying the car, if I don't want to do the taxi driving myself, I could hire someone who can handle the business for me. In that case, the tax is your asset because it would be generating income.

There are more instants to set, but before you invest in any asset, you must weigh the risks that are involved, as there is no investment that has zero risk.

Well, I don't know of others, but during a person's early state of taking some financial decisions about investment, you would always have this fear of losing. If the person truly wants to have a financial breakthrough, you will have to kill your fear and take the risk, but my advice is to go for low-risk investments. We have real estate, businesses, gold, and stock, and some companies allow individuals to buy small shares in the company. Is good to take risk but before taking any investment risk, you need to also evaluate it, to know if the outcome is what you can handle if things go wrong.

Get clear knowledge before investing and also have in mind that good thing always comes after striving for it
I remember the first time I heard about bitcoin after it was introduced to me by a friend in have to look clearly into it is dedicated my time to it i other to understand the trade market also was another thing I have to look into although it is explained to me to be risky but I had in mind of bearing without risk that comes but today I have come to realize the reward of being patient and also given attention to what's new to you neglecting it difficulties at first

It is generally not considered wise to invest all of your funds in a single venture, be it real estate or any other business, as every business carries inherent risks. Cash is often referred to as "king," and diversifying investments to take advantage of different opportunities is a common strategy. This includes preserving fiat currency in various forms such as cash, stable coins, and bank deposits, to ensure liquidity and mitigate risks associated with any one investment.

The only good thing about the quality you have is that you are careful and sure about the investment you enter. That kind of behavior is okay,
you don't just get carried away by the hype.

But I also just want you to know that as an investor you must also be a risk taker, those who are not risk takers cannot because most of the people who have been successful here in the crypto business are also risk takers. The investment you put out here should be something you are willing to lose so that you can achieve the profit you did not expect.

Investing 80% of your savings is very huge, like you said you have fear for losing money. Every investment has it own risk , it will be proper if you want to start to invest, start with an amount you  can afford to lose.  With your kind of person do not start invest with 80% percent of your savings because you  never can tell what will be the outcome of  your investment.  Do not rush  into big investment,  start with the amount you can afford to lose, this will help you to learn and help you to get rid of fear of lose.

Taking risks is part of the journey of an investor. If you aren't comfortable taking risks, investments aren't for you. Even the investments considered to be safe and guaranteed involve risks that can't be avoided at all, like investing on saving accounts or properties.

However, you can't grow in financial life without risking yourself. You can live a safe life, using your economies and income to pay only for instant pleasure, but only investments can return long term sustainability and fullness to your life.

Learn how to deal with the possibility of taking risks without harming your mental health and learn how to invest your money wisely, so you decrease losses chances. I guess this is the only way if you want to thrive and increase your patrimony, having access to more comfort and life quality futurely.

Investment is all about risk taking, but in a manageable way. For example if someone is putting money on an asset, lets consider the asset as a crypto altcoin, then he/she should get as much knowledge about that asset as possible before making their mind to invest in that particular asset. If you have done your research professionally and you are sure that the risks involved in that particular coin are minimum as compare to others then take the risk and put less than 10% of your savings into that asset.

You should keep in mind that investing 80% of your savings is not a good choice, and even if you have done your research on an asset fully, you should still not invest more than 1/10 of your saving into that asset. Instead of investing 80% on a single asset you should divide your savings by 10, and put 10% on all those assets that you have researched well, and you have come to a decision about those assets that they are going to give you positive outcome.

As you asked whether risk taking is important of not, it's definitely important without it you won't be financially stable even if you work 24/7, as well as on holidays. It's a mandatory requirement for those who want to be free from financial issues, but like I previously said, you should only take risks when you can manage those risks very well, otherwise you will invite problems into your life by putting your money into an asset that can go down anytime, that means you have lost your capital entirely.

Many months ago I found a video uploaded by a fake guru where he was encouraging his viewers to invest on shit coins that had no value. He gave them examples of Dogecoin, and Shiba Inu and was saying that those who invested in those two coins earned millions from their investments. His main intention was to inspire those innocent people to put their money on those shit-coins that have very high supply and low market cap. That video went viral and got more than 10k plus views in its first week.

In that case many of those innocent viewers might have taken the risk of putting their money on those useless shit-coins that could go to zero any time, and those who after becoming inspired from that video if invested in any of those coins have definitely lost their savings. The unfortunate thing was that after just a month of that video the market crashed and many altcoins (the valuable ones) have lost their value. Those shit coins might have gone to zero, and those innocent investors who were not knowledgeable about those coins might have lost most of their savings.

Just think of these.
No risk, no reward. Low risk, low reward. High risk, high reward.

That alone is enough for I guess. Now to answer your question if you are taking risk or not, yes you are taking risk. Risk of getting lost because of INFLATION. 80% of your money into savings? I mean governments are just printing money, and you are saving it? There are 3 reasons for you to save money. One is if you are saving for an emergency funds. Two is if you are saving because you want to buy something expensive like house, car etc. Third is you are saving because you want to invest into an asset class like Gold, Stocks, Crypto etc. If you are saving just for the sake of saving, you are doing it the wrong way, and you are letting yourself lose your money because of inflation.

You don't invest into an asset because of you afraid to lose money, but you don't know that you are losing money if you are saving as well? Not indirectly obviously, but the buying power of that money that you saved will go down as years go by. Taking risks are always part of our lives already, and so with investing. Just look at the successful businessmen now. Do you think that they will not become what they are today if they didn't take the risk, and tried to do something that they wanted to do.

Overall, I don't want to save 80% of my money into savings account, and I hope that you really aren't doing it because it's the worst thing to do right  now. Invest it into assets. Take the risk if you really wanted to gain money, and not lose to inflation.

It is worth remembering that even the truest option can turn out to be cheating. That is why investing is always associated with risk, because it is impossible to rule out force majeure and other unforeseen situations. So you need to be prepared for the fact that you can lose all the money you have invested. Try not to invest all the money, otherwise the consequences can be catastrophic.

The fear of losing everything is the same as the fear of not starting at all. 80% of total asset is a significant amount to consider before making any investment with it. No matter how much money you have, losing 80% of it is not worth it. In this scenario, you must be skeptical about the type of investment you will make with such funds and its potential for future profit. If you're afraid of losing everything, you've taken the first step toward not seeing the potential in what you're attempting to invest in.


There is no investment without risk. Risk is an inherent component of investment and so cannot be avoided. However, you should be mindful that you should only incur risks if the investment is worthwhile. If you do not take the risk, you will not be able to achieve your goal.

Investments vary. There are investments designed for people like you who have low appetite for risk. There are also investments that are highly risky but could be attractive to investors who have high risk tolerance. But you need to take into consideration that the level of investment risk and ROI are almost always directly correlated. Meaning to say, the higher the risk is, the bigger the potential profit.

In cryptocurrency, if you don't want to take risks, you better choose Bitcoin and hodl. Altcoins and trading are much riskier.

Fear to take a risk is part of reason for people staying poor. The rich see risk as what is good to move into another level to financial freedom and they take such move and when they succeed they have another status. If you get scared of taking risk your surviving chance is reduced so I advise if you are showing fear in the asset, you can invest in bitcoin in a secure wallet and in the future you gain more value to it .

So you are taking about both the selection of assets and the exposition we can allow to have.
As some rules of thumb, we are not supposed to put our money in shitcoins and bad stocks, that is the easy part about investment, if you know yourself.

It is more difficult to determine whether we suffer from being over-invested , I am one of those people who can be too confident when comes to getting cash into Bitcoin or altcoins I consider to be worth it, even though I would need to have some fiat. It personally helps to save money.

If you go to a wall street dinosaur, he may tell you to only get 10% of your money into Bitcoin, while people in this community can go as far as 80% or more, all it.  It is about our own risk tolerance.  :)

If you are not ready to take the risk and are afraid of losing money, then you are better off not investing. Investment means regarding profit and risk, no investment gives a return without risk, even tangible assets like gold and real estate. Investing is a way to help us earn more profit, more money than the work we do every day, but in return, it also puts us at risk. Because there is no success without trade-offs. I don't know what asset or sector you want to invest in, but only if you are ready to lose, then start.

When it comes to investing you should do lots of reading beforehand as that's what made me more comfortable. Some people think it's some dark and magic art, but it all related to the real world of business that we live in. If coke sells a billion bottles a year and then figures out a way to sell a hundred million more - it's quite possible it will make more profit. You should definitely look up and use index funds instead, as for the majority of investors this will be what they need. Being able to weather the downs as well as ups is very important, so you need a strong stomach.

I think you are like most people, you have a misconception of risk as applied to financial matters.

Many people think that for example investing in the stock market is risky, which is partially true or partially false, depending on how you look at it.

Investing by doing DCA in the S&P 500 for the long term is a very safe investment. On the other hand, playing roulette trying to buy and sell an individual stock, typically a small cap, in the short term is very risky.

As for cryptocurrencies, investing in Bitcoin with a long-term view with money you don't need is very safe, while investing in the shitcoin of the moment, especially if you are trying to trade it, is very risky.

What I recommend is that you get a lot of information about investments in general and before investing make a reasoned decision, and do it with money that you will not need in the short or medium term.

We want to be successful, and to make a lot of money, we need to take risks and step out of our comfort zone. If we don't make it, we will never become as rich as others when we fear everything. I have never seen anyone rich and successful without sacrificing anything. It can be said that risk is an integral part of each of us on the way to getting rich.

Taking calculated risk is very important and not just taking risk blindly, investing in Bitcoin is a calculated risk since the reward is greater as you make more money the more Bitcoin price increases. We have to learn to enjoy taking risk since that's the only way we can move ourselves from the financial condition we're at the moment to a more comfortable one.

Before investing 80% of your savings in Bitcoin, I would love to know what those savings were meant for. If you were keeping all your savings for investment then going in with 80% isn't bad, you can keep the remaining 20% for emergency Incase it comes up so you won't touch your investments.

I'm not sure what kind of business you want to invest 80% of your savings in, which I may or may not feel is excessively risky.However, I would add that your level of business understanding will define the level of risk you should be willing to take because not all businesses are  worst investing much amount of money,despite the fact that the percentage you risk will determine your profits.Therefore, not all firms are safe for us to stake our financial future on.


Risk is, in my opinion, a very crucial factor in whatever type of business you wish to start. As we all know, there are risks associated with bitcoin, so let's use that as an example,so must accept the risk before we can achieve good financial success.the only thing is to be aware of the level of risk you wish to accept, as failing to do so could result in missing everything altogether.

Taking that risk is normal. It doesn't matter whether it is important, but you have to know how to deal with that risk if it becomes big. Most people don't know how to deal with risk and will panic if something doesn't go how they want.

Investing 80% of your savings is risky, especially if you don't know what you are investing. Even if there is a bitcoin investment but you don't know how to start investing in bitcoin, you might just be wasting your time.

So you should first learn how to invest in bitcoin properly and correctly so you know how to get started. And don't forget to learn about the possible risks after you make your first purchase in bitcoins.

For you to go into any investment, you should have the proper knowledge of the investment and the challenges in such investment. This will enable have a proper plan on how to overcome the challenges and stay focus on your investment for you to achieve it.

Risk is part of human life,even the path that one choose to follow is a risk because if it leads to destruction, you will be doomed. If it leads to success, you will be successful. The fear of not taking risk to go higher,is the worst of it all because your fear will make you stagnant in life and you will not grow,since you are cool with your present achievement.

It depends on your current state? If you're just starting out earning I reckon you can put up a lot of amount for investment, if not then try to find a perfect balance between what you need to spend/save and what you can invest. Investing would always have a certain amount of risk, I'd consider the majority of investments as money I could've spent on other things meaning money I could've lost without it affecting me negatively in any way. Sad thing is failed investments don't return anything but hey, that's a risk you gotta take if you want to earn more.

No doubt that you are going to have a hard time making some money in the crypto space, if you are not ready to lose any money you shouldn't be in the crypto space, even the safest asset in crypto ( Bitcoin ) is still risky, so the fear of losing money is not something any crypto investors should have in them.

Also, 80% of your total savings should be in the bank, not in cryptic space, 80% is too high, I think that's the main reason you have fear of losing your money, and that's not a safe way to invest in crypto.

In the case of earning some income per month, I may be able to invest 10% of that income on Bitcoin, meaning if anything bad happens, I will lose 10% of my monthly income, which is a bit safer than what you suggest.

Being safe is better than being sorry.

Everyone must have a different mentality and courage, it all depends on the nature that is present from birth or because the mentality is trained. Likewise, when it comes to investing, people's characters will always be different, there are people who are very brave, there are people who are mediocre, and there are also people who are cowardly. There is nothing wrong with all of these people's characters when investing, depending on their habits and how far the person is willing to take risks. Now you start investing with your savings of 80%, for me to spend that much savings to invest, really doesn't match my habits and thoughts. Because suppose a loss hits, it will be difficult to turn things around, because the savings are only 20% left. Personally, I like to make investments using savings of 50%. Because in my opinion, investing using savings of 50% is at a safe and neutral point.

And as for the question of whether or not taking risks is necessary, from my personal experience, sometimes taking risks is necessary. Because sometimes there is a time that forces us to dare to choose and take risks.

@OP should accept the fact that in every investment there is risks involved.  The higher the risk the greater the reward but many are able to minimize risks through risk management one of the reason why many wealthy people hire risk managers to manage their investment.



Honestly, it is a waste to let 80% of your wealth sitting on the bank.  The interest rate in bank is too small comparing to the profit when you correctly invested it.  Besides, if you put your money in bank, you don't have control over it, your money in bank is being used to invest and majority of its profit will never be given to you.  There is also limit in insuring your fund.  If your saving exceeds that limit and the bank goes bankrupt, anything exceeding that insurance will not be reimubursed and will be completely lost.  So I think it is better to use the money pesonally for investment than letting someone use it themselves.

It would be better for you to learn about investing first so you can reduce fear no investment is risk-free all investments are risky the higher the risk the greater the profit you will get but if you don't start investing then your life will be more at risk with financial problems because inflation will make it more difficult for you to make ends meet because the percentage increase in salary is not as big as inflation.
Reading books about people who have been successful in their investments might help you understand about investment goals so that fear will decrease, fear is still needed so you can be careful when starting an investment.

Taking risks is important or not depending on your readiness. if you are someone who does not accept if your assets are lost, or reduced by a large amount, then taking risks is highly not recommended. meanwhile, if you are ready with it, then you just need to find an investment that you think has great potential.
Personally, I have the same thoughts as you. I'm afraid of losing the money I have, so I don't take big risks, and try to invest what I'm willing to lose. however, I don't think I would invest with 80% of my savings. I separate savings with money to invest. Apart from that, I also think that 20% of my income to invest is a pretty good value.

It sounds like you are still hesitant to invest money in any asset for fear of losing it, and are considering investing 80% of your total savings and I think it's completely understandable to aim for caution in investing, especially if you are inexperienced or have no understanding Be thorough about the assets you are considering.

My opinion is that taking risks is important for financial growth and building wealth. However, it is important to consider the level of risk and potential loss before making any investment and diversification is also key to managing risk and minimizing potential loss because the goal of all that in the end is to make a profit, not even a loss in investing. :D :D :D

If you're scared to lose your funds in investment then I think it's not for you. Investment always have a risk with it's volatility, your savings might got liquidated if you don't have the proper knowledge and understanding about investment. If you don't afford to lose your money then it wouldn't be recommended to risk your savings. 80% is actually a huge amount that you might lose. I suggest you to start with a small amount first for you to gather experiences and idea about investment. Don't always all in if you're not still familiarize in the methods of investment. Risking is important as it gives you opportunity than nothing, but it would only count if the money at stake is you can afford to lose, not only you'll save your mental and emotional with that scenario, also your savings would get drained for emergency purposes.

Just a sign of someone who hasn't really researched what investing knows, I find this to be the mentality of many people when they really only make decisions based on other people's behavior. Doubting about things you don't understand is a common sentiment among anyone, but the problem I see from the OP is about taking risks. What is considered fake risk in any market is based on research bias, perhaps lack of experience has led to this.
I personally have experienced the same mentality, so I just want to remind OP to research everything when you are really ready, don't rely on feelings or follow anyone, your own judgment Through specific situational experiences will help you see the problem more clearly. Even if you fail, how will you proceed with it?

taking risks is important but if investing 80% of your total savings is very risky in my opinion you should have an emergency fund before investing in my opinion 30% is enough for you to invest you also have to think ahead before you invest and have to think about all the risks that exists because investing is not always profitable stay safe.

The wall street dinosaur has a vested interest in persuading his clients to invest less in bitcoin and more into the stock market, from which the dinosaur will get his commission from each client.


Those who invest money easily will lose it quickly.

Reasonable caution in investments will never be superfluous. I would say that the risk is inevitable. Therefore, your 80% of assets can be invested in stages, and not all at once. In general, you have a reasonable strategy: to leave part of the assets as a reserve.

Every investment is risky, it just depends on how you manage your risks. Business and investing can be really tricky, but you really need to put in the time and the effort for you to harvest its fruits. It takes time, it takes a lot of burned money, and it's a part of the journey. What's important is that you don't get discouraged. I've had my fair share of disappointments and losses in investing and in fact, I may have lost a lot but eventually reached a point of breakeven because I refused to take a loss.

Just gain the knowledge you need to gain before putting in money on some things you don't fully understand yet. Try observing the market first and gauge whether you can invest on it or not.

This where you starts losing money, whenever you are afraid to money then that when you will be open to lose the money because at then you might not make the right decision on what project to invest which might slightly results investing in a wrong project. That is why, if you want your investment to be secure the way you think, best option is to channel your investment to bitcoin. Why is more secure and reliable than any other altcoin there.

Investment means taking the risk. No investment will give you an assurance of profit; it will always be present. Managing the risk is simply being aware of the amount you are ready to engage with, having the idea of letting go if incase things won't happen as expected. If you are scared to the negative outcome then investment should not be an option on your end 'coz you'd more likely end up with regrets or hasty decision. Meaning, loss is more likely the result than profit. In order to lessen this feeling, try investing first on the knowledge or knowing where you are engaging yourself and money with. Investors who won big time did not achieve such thing without suffering from loss. They made the sacrifice which gave them fruitful outcome.

Risk taking is always up to the individual. No one will ever force you to take risks. And it doesn't matter to you.  However, there is no alternative to taking risks to achieve success on these digital platforms. You must take the risk.  Seeing the risk of financial assets, if you keep the financial assets only in savings, then that money will never increase.  You need to think about how you can increase your money by using your savings. And in order to make money using money, one must take risks.

You plan to invest 40 percent of your assets. But you have not mentioned here how much total assets you have. If you disclosed how much 40 percent of your net worth is in international currency, it would be easier for everyone to comment.

Investing will be profitable if you're investing in the right asset. It will always be risky but it all depends on how you will deal with the risks. They say the higher the risk, the higher the profit that you can make but you always have to be skeptical and wise in choosing the risks that you will be dealing with. You need to research the legitimacy of a certain investment that you will choose and check how it will work in the long run. There are different forms of investment but always choose a well-founded and well-established form of it.

  I think it depends on what you are risking for, it is not that important its an optional, if you take risk specially in crypto you need to sacrifice or put your money as a capital without thinking that it will return back to you because you take the risk of possible loosing this is not too important because you can also choose  not to risk but you will only gain small amount if you do what is normal, most of the people who take the risk and invest big amount of money also earn big money so choose wisely.

Risk taking is not a bad thing as long as it is applied in the right place. So before taking any risk or investment, you better do your analysis. In this case if you want to invest in crypto currency then I will tell you to select Bitcoin for investment because it is high volatile but above all in terms of security.

Taking risk is good but before going for that just check your investment and its return.  Investments should br done in a profitable venture to avoid big loss .
And it's not necessary that big risk can cause you any harm, in today's world investment is important for a smooth life.

If you are afraid of losing what you have invested, then just don't do it and you just have to save enough, it may be safe for you, but it will not produce anything unless you will experience inflation as a result of holding fiat and not daring to invest.

80% of the total savings can you do with the needs of 20% as long as your living expenses? This also needs to be considered again and what type of investment you will and will do because now there are many types of investment variations that you can make including gold, stocks, crypto, etc. It only remains for you to choose whether to choose a risky investment but with high returns or a low-risk investment that you are not will produce so big.

If you believe in BTC why not do it with this coin? Of course, there is definitely a downside risk, but bitcoin has more potential in my opinion.

It's important, but taking risks on altcoins is wrong.

If you're a young person willing to take the risk, it's fine, but the important question is: how big is that 80%?
You see, 80% of a net worth of a teenager is something completely different from 80% of a business owner. Even age isn't a very good indicator because you could be a young son of a millionaire, or someone who worked part time for years and kept saving up. How much back in time will losing that 80% put you? Will you need a year to earn it? Maybe 10 years?

If you feel like doing it, do it. Don't regret anything, but remember not to put everything in one asset. Split it if you can, buy some bitcoin, hold the rest in cash. If you have a lot of money, buy land, gold and bitcoin and see hoe you do in 10 years. I think the bitcoin investment will outperform everything else, but don't blindly follow others. Do what you feel good doing.

I feel good with most of my money in bitcoin, but I had it when it was very cheap and it's not going that low ever again.

I don't find investing 80% of total savings a viable option no matter what the investment is. You should only invest a portion of it, maybe 50% only in cases where you know that the investment you are about to make will bring sure profit. I don't think risking your savings and 80% of it is in any way a good option at all.

I would personally not invest a percentage that high from my savings in cryptocurrencies. If I'm about to make an investment in Bitcoin, I might go for 50% of my savings with it but not 80%.

In any business the higher the risk involved, the higher the profit. Just know what you are good at and interested in before you could go into any business or investment, be sure you have all its takes like physical, financial, and emotional.

If you are afraid of risk then you are not ready to face the challenges of life. And you are not ready to make money in the world. You have to make some thinkable risk and face the risk to benefit from it. As a risk phobia, the 80%/if too big for you. I recommend  20% to test your faith and if you succeed them you can increase the amount. And don't rush to I bet but look right and left before start the invest. Before you start the investment, make sure you have understand the market term plate. So that it will be a good outcome for you. Many people give up on investigate because they were not good to analyze the market before entering. You don't have to enter the market if you are not good for it.

80% of the total savings is big in my opinion, for a beginner they should try to take an approach according to what they can afford to lose, especially if you haven't mastered the basics of investing. But if you want to invest in bitcoin for the long term it is the best way to go and doesn't need much consideration.

It depends on how you understand investing, but if your knowledge is lacking in investing then taking risks is a bad decision?

The first thing you have to understand is that all forms of investment are very risky and you can never avoid this risk, but you can reduce risk by understanding the investments you are making.

Knowledge is important before you take a chance on investment and you also have to choose one of the best coins out of the many available. My advice is to try to learn bitcoin and when you understand it, then you are just starting to invest, so you won't experience panic over negative conditions on a corrected bitcoin journey.

You should know that any investment you are making is risk, but you should do more research to know if the risk really worth it, their are some investment that don’t really worth taking that kind of risk. Also if you are not really a strong person, maybe you are having some health challenges, then always make sure you reduce the way you take risk, incase if you lose money in the investment, it won’t affect your health condition. Let me use this as example, if you are planning to invest in cryptocurrency and you are seeking for advise to either invest in bitcoin or altcoin, I will recommend you invest in bitcoin because it’s less risky compare to investing in altcoin, if you can hold your bitcoin for long, then you are good to go, but also don’t invest what you can’t afford to lose.

It’s common for the people while considering online assets, especially the crypto currency and most include with bitcoin.Actually it’s big money to save 80% of your income.Actually saving is good habit,but meanwhile have some fun with your money too.Then you can inverse Upto 50% as your savings.It’s my opinion,if you still have a idea to save 80% of your savings.I don’t have any objections you to inverse of 80% as your savings.If you are planned to inverse in bitcoin or crypto currency,it’s not at all decision with your mistake.It will expected one to save your money in crypto currency.Most of the crypto traders will suggest you to hold in the bitcoin.

See I think you should probably invest all of your savings it's just that you should make an adequate split into the correct investment. Go with very safe investments for the 30-40% of your money so that there is absolutely zero risk on that money or a very minimal risk.

We can only talk about the safety of savings when the exchange rate is stable. And bitcoin is still too volatile. What safety can you talk about if you invested in bitcoin when it was worth 60,000 and two years later you urgently need money when it is worth 27,000? That's a clear loss of money, not preservation. And just because bitcoin has always gone up in value, that doesn't mean it always will. And you may not have two or more years to wait.

Self-confidence is everything, but knowledge is also necessary because even if you have all the knowledge to run a business and still you fear taking risks and wasting your time, and as time passes you regret your delaying, same goes with buying assets because I have seen many people, one is near to me, and I had learned one thing in this field that, self-confidence and educations are important and if you could able to gain these two things you are successful. and you ask for losing money and this fear keeps you away from investing then you will also regret your decisions with time.

First, develop self-confidence then understand your purpose, and make a plan, like achieving something in a specific timeframe, and if you get it do not fall greedy for more. Invest only that amount that you can bear to lose, if any asset has more risk then do not invest 80% of your saving in it perform DCA, (invest in parts at different timeframes for different prices) it will increase your profit ratio. Let me give you an example, the person from which I learn this lesson started a small business to sell G1 Garlic by growing them on his land, and he made 6x profit on his investment in one year. And he was damn sure about his success because he found opportunities and then do not hesitate to utilize them. Patience is the key, you cannot earn money without risk.

Investing can be a terrific way to build your funds over time, but keep in mind that all investments involve some level of risk. Diversification, or spreading your investments across several asset classes and industries, is an important risk-management approach.

No, he wants to use up to 80% of his savings to invest, which is quite a large number. We don't know what his net worth is, but investing 80% of his assets and for a newbie with no investment experience, it's a huge risk. If he needs advice, I will stop him from doing it. He also did not mention the type of assets to invest in, so it's hard to give advice, but if he can't accept the risk, then even gold should not be invested, let alone investing in crypto, nothing is safe 100%.

Bitcoin is a highly volatile asset, and it is only suitable for those who like to ride roller coasters and take risks. If OP is risk averse, he shouldn't invest in bitcoin, he should look to less volatile investments like gold or real estate instead. But the higher the risk, the higher the return, so it all depends on the tolerance and needs of each person to make the right decision.

I don't want to give investment advice to anyone because I don't want to be blamed, but if I had to choose, I would also select bitcoin because its returns are higher than all other asset classes.

It actually depends on the person. There are people who are more averse to risk (and I think OP is one) and there are people who are neutral, and there are those who likes to risk big when investing. I'd say taking risk is also important cause that's just part of investing. If you want something, you'll have to take a risk. It just depends on the person on how he can handle the consequences of it, so if you don't want to risk a lot of your money, it's fine. Just know your limit, and what you can afford to lose.

First of all investing is not about losing money. People usually invest to increase their wealth. Everyone wants to protect their hard earned money. The amount of money you have earned and deposited in a specific savings account is not increasing.

You basically expressed your willingness to invest 40% of your wealth to grow money. It is undoubtedly a good initiative. To grow money you have to take risks. And if the investment is in Bitcoin then your assets will have comparatively less risk. Invest a certain period of time by observing the market. And be patient by investing hope you will be successful in your investment.

You hate risk but then want to invest 80% of your savings? Kind of hypocritical statement if you ask me, if you're someone that's scared of risk, shouldn't you be showing a bit of conservative percentage on your investment? Investment is risky, I don't think there's no legitimate investment that's not risky, if it's not risky then it's too good to be true and we all know what that if anything is too good to be true, it probably is, so why not take the risk and hope for the best OP?

You didn't say what you want to invest those 80% into. Now that you are on a crypto forum here, are you implying that you want to put 80% of your total savings into Bitcoin? I think for a risk-averse person as you describe yourself, putting 80% of your savings into Bitcoin is not a proper strategy unless you add further information. What does depend on your savings? The potential next holidays? Bills for medical care and other emergencies? Tuition fees for your kids?

When you ask such a question, why don't you put some more effort into it when you are interested in genuine answers? Savings can mean very different things to very different people. There is no definition for it that we all agree on and can now derive advice or suggestions for you.

If your"saving" terminology is all about money you put to the side for exactly for investing, that would probably get you some elaborate answers here.

It is prudent to make a due diligence and conduct intensive research before taking any investment decision. However it is important to acknowledge that there is risk associated with all types of investments and no gain can be achieved without taking a certain degree of risk. As a general rule, higher risk investment offer higher potential returns, but it is crucial to evaluate your financial situation and long term goals before taking any risk.

Just in case, the 80% you mentioned, do you want to invest it? Because of the investment type, there is always a risk that always includes. Maybe if there is no risk it is that you have no money to release, but once you bring money to an investment automatic that has a risk.

Then if you are an investor, you should also be as confident as a capitalist, you may not be afraid of losing the money you invest, because all investors are risk-takers you will always remember.

Taking risks is important in investing. However, you need to assess what level of risk is acceptable for you and choose the right investment types along with risk management. To address your fear of losing money, you need to learn more about the different types of assets and investments along with their risk assessment and return potential. If necessary, you should seek advice from a financial expert to make the right investment decision. Fear of losing money when investing is common and completely natural. However, leaving money uncontrived or invested can expose it to the risk of losing value due to inflation or volatile stock markets.

There is no rule that it should be 80%, 70%, or 50% but I think this will be the golden rule when it comes to investment - invest only the amount that we can afford to lose. It means that we can start to invest in any amount as long as we don't regret if we ever it will lose. Because the truth is that every investment is too risky and most especially if you are investing in something that you are not familiar with or have no knowledge about it.

Therefore, It is to say that investing should be planned well and already have knowledge of it. Because there is no way to succeed in this field if we are blind and empty to what we gonna do next.

as what most people would say that there are some opportunities that could be acquired outside your comfort zone, that is what it literally means. taking risks is necessary sometimes since you cannot move forward in life if you won't be able to do that. the problem is sometime there are people who doesn't think twice when it comes to risks and just literally jump forward into the fray without hesitation. in life also there are things we call "calculated risks" and that describe into something that is decided through so many simulations before risking.

If you are not willing to ‍take risk on your assets that is your personal matter any investment involves risk, but you need to make a decision by assessing its level. Good profit is not possible without taking risk. Moreover, crypto generally considered as a risky platforms. Definitely risk should be taken but for that you need to find the right investment place. Risks can be taken if the investment is reliable. But of course, instead of investing 80 percent in one place, it should be invested in different parts on different platforms. By doing this, the risk can be reduced somewhat. Before investing, good research must be done. Otherwise the investment is likely to fail.

It is all risky. Not investing itself is risky. Disregarding the opportunity to make money is risky. If you're unwilling to take and accept risks, then you won't allow yourself to make great returns. 

I would say, don't risk it all. Start small. Then over the course of time make it bigger. Gradually. Invest the first 20% of your savings, then increase it as you progress your understanding and make yourself comfortable with the market. Do not rush. It's your funds after all so you are in control. It's normal to be fearful, but it is not when you limit yourself because of your fear.


As you take calculated risks, you are also taking statistical guesses. It's all maths, numbers, and probabilities. No emotions at all. Because in face of financial risks and oppotunities, you must not be fearful or greedy. You should be a able to rational, logical, and be able to create high quality decisions.

for you to be a man, you should take risks. If you do not take any risks then it is simply means that you are wasting the opportunity that have given to you. People think that investing is risky without knowing that their 9-5 job is more risky than it. Think about it, you are spending your time for other business and it takes away your freedom not only financial but also the time freedom because there are certain rules and regulation that you should follow.

The rich people do not have people above them, they are the one who creates their own rules that's why they have freedome not only financially but also time freedom. Instead of focusing on 9-5 job, it is better if you will make an investment or create a business that can help you generate income. Is that risky? of course it is but it has less risk than applying and staying on 9-5 job. Pick your thing, you want to become rich or if you want to stay broke?

The first thing you have to ask yourself is do you really understand the concept of investing itself. Do you always have the readiness if at any time you experience a sudden need and don't dare to take an investment that has just been dropped? remember that investment is based on mental readiness and readiness to see results in the long term.
If you yourself are unable to agree on the main points, then don't ever dare to invest. Especially in fluctuating assets. There is a lot to consider for every decision.

While you can live without your savings and you're not using them any time soon, I don't think that's a problem, and you should invest in something you're absolutely sure it won't fail, because you're putting almost all of your money on it.

Before investing your money in anything, make sure you have a cash reserve which can help you in case of any failures. I have seen many times here that it is advised not to invest more than you can afford to lose, but I do not agree with this advice, since such an investment will not be of much use.

Investing is always a risk, but before you start investing your money, make this reserve for your safety and it will help you avoid hopeless situations.

In investing, everyone has their own reasons when some people choose to avoid risks and are also willing to take risks. Because I don't see anyone who is neutral in investing because those who are already investors certainly know how to make good investments and in terms of risk, I also agree that everyone needs to understand it and have the courage to act to take it if they want better profits through the investment.

Because avoiding risk is the same as avoiding investing and I don't think it's wrong either because maybe some people who do things like that don't have the ability to invest and there's nothing they can afford to lose in their life so they choose the path not to take any risk.

We need to give honest and correct advice without exaggeration. I mean I don't think bitcoin is a low risk asset. I want to tell you that there is no such thing as a low risk high return investment. Bitcoin offers much higher returns than gold or other traditional assets, and its risks outweigh all of them. OP is a risk averse, afraid of losing money, so we need to clarify to him that bitcoin can generate a lot of profit but also comes with a lot of risks. Honestly, for the scared of risk, bitcoin is not for them.

Investment is risky and if you want to be a successful investor so you will definitely face risk because the success is not possible without facing troubles. Every person at the beginning work and tolerate risk therefore he achieve a successful destination if you are afraid of losing money then how you will take step towards success?

As you talk about the 80 percent of saving so I think its huge portion of your money and if you are afraid of losing it so try to minimize this sum which you want to invest. 20 or 30 percent is enough to initiate your journey of success but use little amount at start as you don't have any idea yet so in this case you will learn as well as earn money.

Taking risks is an important part of investing, as it can lead to higher potential returns. However, it is important to balance risk with your personal financial situation and risk tolerance. Investing 80% of your total savings in any asset can be risky, especially if you are not comfortable with the potential for loss.

Before making any investment decisions, it is important to do your research and understand the potential risks and rewards of the investment. You should also consider your personal financial goals and risk tolerance, and make sure that you have a diversified portfolio that can help mitigate risk.

For achieving something big in life you have to take risks and chances and for investments its all about risks so never fear that.
Take chances , learn from your mistakes and stand by your decisions.

You should never invest 80% of your wealth into any single investment option, no matter how promising it might look. The secret to any good investment portfolio is to have a good risk distribution across your portfolio.

You should have most of your investments in low risk investments ...with some exposure to medium risk and very low exposure to high risk investment when you are over 40..... younger people can risk more, so they can invest more in medium and high risk investments.  ;)

80% is too high a number for me and completely violates the fact that you don't want to take that much risk. I'd say 40-50% of your savings should go towards investing. So at least when shit hits the fan you aren't left with peanuts to work and live off of. Furthermore, and I saw that a couple other guys in the forum already advised  you about this but it's just so integral it warrants being mentioned again, is the fact that you have to be wiser when it comes to committing to investments. Research, learn, and know before investing. It's much better to miss out on a high catch than lose a considerable amount of your investment over a wrong call.

If you have a steady and consistent source of income there is nothing to worry about using that much of your savings but the question will be is that what the saving is for in the first place. if yes no worries.

In my opinion, taking planned risks are necessary to accomplish some goals and regarding investment, it is one of the key to gain large money. However, it is preferable to build multiple strategies before taking it otherwise you  will just lose what you have. Furthermore, if you want to make an acceptable amount of profit in safe way, then you should put your money only in Bitcoin and Ethereum due to the return in these digital currencies is guaranteed specifically in long term due to the ongoing market’s condition is volatile. And it is expected to see solid bull run in next year ( after 150 days of halving) . Plus, the more you invest during the period, the larger profit you will make in 1-2 years, and rmember that investing always requires patience.

Only invest what you afford to lose, that's  the golden rule in trading. We should learn that whatever may happen the investment will be either lose or will have a gain. Based on my experience, I research first before investing especially if the coin or token I want to put an investment doesn't belong to the top list or maybe it is new. We need to make sure all things are good and it will be profitable in a long run.

Agreed with these, it is much safer for you to invest around 30-50% only of your savings since 80% is quite high and the risk of what you are going into is high also. Also, I must add that you should make sure that these savings are not alloted to your important emergency funds since it is important to make sure that you are secured financial. If you have barely just have a savings, try to allocate it to different types of fund then go invest a portion of it to investment knowing that you are risking your money in there

Well, doesn't change the risk but have to think that 80% is already a huge amount. However, if you think that you can afford to lose this amount in crypto, that's up to you. More capital, more profit as well but of course, you are about to lose big also if you fail and are not careful with your actions. I challenge you OP to think it several times.

Having 20-30% for start-up was good enough. You can actually add more when you are fully ready and knowledgeable enough about crypto.

when i was 15 i was given a chance to fully develop my own spending habits and manage my own finances, and one thing i have learned through that is why our parents wants us to finish our studies and find a decent job to have a stable source of income. the main reason for that is survival, once you have a decent job you can say that you are good to go in life, but the problem comes after being stagnant on that kind of mentality. often times when employees have decent job to depend, they remained stuck on that position as long as they are productive and can still work, and that's what prevents them from taking risk since it is also understandable from their perspective leaving their jobs just to jump to something not so sure. the funny thing is that even if we deny this fact, most risk takers are literally not contented on where they are currently in life. we also know that it isn't a bad thing to be selfish sometimes and  be greedy as long as we do it in moderation which some risk takers took it too far.

It is true that it is not possible to invest without risk so you have to know about the sites first and then invest. Different investments have different risks. Before investing to consider the issue of risk, it is necessary to analyze various information about the investment and understand the level of risk to ensure the safety or safe exit of the invested money.

In every investment you need to research and study first if it is going to be profitable to you or not. That is the right thing to do, do not invest your money easily because of the risk of loosing. That 80% of your total savings is too big to invest, may i suggest you to subdivide that 80% and do not put everything in one investment to avoid to much losses. Taking risk is important in an investment because you will never know if you will earn or not. But make sure before taking risk you are ready to face it and no regrets.

   -  I think OP seems like he's not ready to take a risk because he's afraid, he wants to make sure that there's a return on his capital.
And I also think he doesn't seem to fit in the crypto industry.

We know that here in the crypto business there is risk, now as you said we must be ready to face the risk, in short, we are ready to lose when we release capital here, that's why it depends on the level of the investment that will be made of each other.

It's true that whatever the investment, I don't think it can be without risk,
before investing, it is very important to do research and analysis first,
because with that at least it can minimize the risks that exist.

Well, you mentioned investing 80% of your total savings, that's very close to going all in. The golden rule of investing says: only invest what you can afford to lose (5-10% of your net worth). By following this rule, you can make sure you stay focused on your long-term goals and avoid making decisions based on short-term fluctuations. On the other hand: no pain, no gain, you have to take risks, without it big profits are impossible. In any case, I think Bitcoin is a good choice. But the decision is up to you.

What you should understand is that risk is the primary objective of someone getting elevated in any investment schedule, but some people don't want to take risk and make money, from my understanding investment is involves into two things either you venture into the disadvantages of it or you venture into the advantages, that's while you need to be calculative and peruse into the kind of investment you want associate with before investing your fund's, while some get disappointed towards investment they venture into, its lack of ability to penetrate into the platform of investment by making an adequate research of the investment before venturing into. And another thing is that you need to know what we are supposed to invest for investment that's suspicious to us with what we can afford to loss, because its very obvious that no investment platform is hundred 💯 percent dependable, and in summary, its obvious that risky takers is liable to get rich at any point in time.

as long as you can take it if that investment loses. We know it has risk, and we also know the profit on it, which means we are both aware that if we are able to endure the happiness of getting the profit we expected, we should also expect the losses that will happen to it. I know that you are still having doubts right now, but if you are not ready to invest, then don't. It is your own money, and you can do everything with it.

If you're feeling anxious about a particular investment, it may be wise to avoid it, but common, you are a man, it's important to invest in your life. You don't have to put all your money into crypto if you're concerned about the market crashing. Try exploring other business opportunities out there. If you have a sizable amount of money, you should diversify your investments and allocate a small portion to crypto to test the waters.  Just give it a start and follow your own mind because when things go wrong, you will not regret following your decisions later on.

Risk taking has to be worth the stress if you're going to embark on one. Before investing, no matter how sweet the offer may tend to be, please ensure you carry out enough research, if you're not sure about an investment, by all means avoid it.

I agree with your observation that having a stable source of income is important for survival, and that many people become complacent and hesitant to take risks once they have achieved that stability.

However, I don't necessarily agree that risk takers are not contented with their current situation. In fact, many risk takers are motivated by a desire for growth and improvement, and are willing to take calculated risks in order to achieve their goals.

It's true that some risk takers may become greedy and take things too far, but this is not necessarily a characteristic of all risk takers.

It's funny to see some of the key sentences you made where you don't want to invest your money for fear of losing it but plan to invest 80 percent of your current savings.
Investing definitely has risks and indeed when you don't want to take that risk then of course the thing to do is not to be there.
I think all possibilities regarding risk depend on yourself because indeed in this case it is not only about the problem of risk but what type of investment you are going to go for later because even if we take risks when you are not on the right investment path then that too going to be a problem.

there is no need to take risks in anything you do, if you know that there are risks then it is better to avoid them.
then how to avoid that risk?
1. you can put your assets in investments that make you rich, meaning you can invest in altcoins like ethereum, matic, and BNB. I think investing here is minimal risk that investors get.
2. You can also invest in bitcoin with the funds you have
3. Continue to monitor market movements and don't panic easily so that your assets remain intact.
I think investing in quality crypto will avoid the risks that are feared.

trade and investment will always be faced with risks, be it small or big risks.
Investing in crypto certainly has a more severe risk if someone doesn't understand how, but profits can also be obtained that exceed the risks that will occur.
In my opinion, to minimize the risks that you will get, it is better for you to put your money in crypto which has good potential in the future.

Of course, in all fields there must be risks including investing in crypto, you are absolutely right, the size of the risk depends on the average level of one's knowledge. Actually you can do a number of things to minimize losses, one of which, as you said, is looking for a coin with long-term potential, in my opinion Bitcoin is the right choice. Maintain psychological calm when experiencing losses, because this has a very negative impact on their trading, most of the losses come from greed and greed.

Indeed, taking investment rist is so important. No investment without a risk.
But before taking the risk, you need to comfirm if the risk is worth taking. In bitcoin investment, it is a risky one but there are higher chances of profitability if only you have the patience to hold your investment for a long time. Investing with 80% of your savings to me it seems high because am pretty sure that if anything goes wrong it will break you down financially and otherwise. It is always better to start bitcoin investment small and monitor the market. Though nobody is praying for any bad but being careful is always a better option.

Trust me, you don't need any advise or whatsoever that will make you to invest in any asset. There are people that don't believe in investing on cryptocurrency and they don't even care what you have to say about it. Please you need to mid your business and focus on your life since life had not heat you in a way that will make you think twice.

If you are afraid of losing your money, you must think before investing, if you want to enter the world of investment, you must first study the world of Cryptocurrency. The investment world is not only profit but loss always covers every minute, hour, day and year. If we want to be successful or have a better life in the future, we have to try to take risks because if we don't take our lives will never change.

For example, if 80% of your savings are used to start a business in your country, it is not certain that you will be successful in managing your business, usually a person needs several attempts to be successful in business.

https://i.ibb.co/DD2x29t/Screenshot-2023-04-25-10-41-26-75-40deb401b9ffe8e1df2f1cc5ba480b12.jpg (https://ibb.co/xSTpT1D)

We can see the picture above.
If 80% of your savings are kept in a bank, you certainly know how inflation eats away at your money

From the picture above we can learn how inflation always comes every year, don't hesitate in taking any risks, in improving life because if we don't take risks we won't know the challenges in the future

There are risks that you can take that could result in you losing money, so we must carefully consider our options before investing in anything, including bitcoin. However, if you want to take a risk that will pay off, I would advise you to invest in bitcoin and hold onto it for a long time.
OP your savings, 80% I'm not sure, but I believe it's a terrible idea to utilize more than half of your resources for investments as you mentioned taking on a risk and not knowing whether the outcome would be what you desire.

I think while it is true, that trading and investing always involves risk, it is important to note that not everyone is comfortable taking high levels of risk. The main point that I think needs to be controlled is that one is able to assess risk tolerance and invest if the plan is appropriate. Putting all the money into one asset, like crypto, can be very risky, especially for those who have no knowledge of the market.

Instead, I think this move may be a better approach to diversifying your investments across different asset classes, including stocks, bonds and real estate. This can help spread your risk and minimize the impact of potential future losses.

A normal people would have hesitation in investing because of fear of losing their money. But come to think of it, if you will just save your money in a bank do you think it will be profitable? As far as savings are concerned the percentage you get from the bank is just so little sometimes with that interest you cannot even buy the things that you want. Taking a risk is very important, it means your going out of your comfort zone. Every investment has a risk factor that you need to deal with. So before you invest into something you need to research, study and think so many times before you take the risk. Taking risk could result to gain or loss. Just be careful in investing to avoid losses. 

Living your life is risky, you can decide to sleep right now and never wake up the next day, if you are not taking risks you will never get anywhere, and you will remain in the same miserable spot forever, are you saying you invest 80% of your total savings or you are planning to invest 80% of your total savings? That's the problem.

80% of all your savings into crypto is way too risky, even if the only crypt you have in mind is Bitcoin it's still risky to go in with 80% of all your savings, you have a life to live and spending on yourself should always come first because life has no duplicate.

When you invest 10% or 20% of your total savings, you will build confidence in your decisions and your emotion will not play a negative role in your decision-making when the market is in a downtrend, be wise by always invest what you can only afford to lose, are you ready to lose 10% of your total savings or 20%? Find your answer and take the step.

Nothing is 100% safe in investing, especially in the cryptocurrency market, which is considered one of the riskiest financial markets. If you don't want to take risks, then you'd better not invest in cryptocurrencies because there is no risk-free asset that can yield huge returns. Bitcoin can't guarantee our safety either, so OP should not invest in altcoins either. For a newbie who doesn't want to take risks like the OP should stay away from altcoins altogether. If he wants, he should start with just a small amount to invest in bitcoin.

Well we have different status in life and i believe that if we have a little income or salary we will have a big fear in investing, because there is always a question in our mind that what if we loss? our saving will be gone and it is very hard to save again because it needs time, taking risk is not that easy for us who always lack financially that is the big difference between the rich and the poor, rich will become richer and poor become poorer.

Yes he is planning to use it for investing but he is in doubt right now and need to ask some tips here if he will go or not. I mean, some can suggest to lower it because 80% seems high and it's always better to have an investment even if it's only small because it might help us later on than nothing. Indeed that in investment there is always a risk.

You need to risk or stake money in order to expect a return but if it didn't run well, you must accept it that you can lose what you have put in. All investors are risk takers but not all investors are experienced already. There are some who are only getting started so the fear of losing money is still there but they will soon get used to this if they stay.

Everyone really doesn't need advice in terms of making money or profits through any job because what everyone needs is an idea and also a way to do it very well without disturbing many people. Everyone really has to focus on their own goals in life, so it's no wonder that at this point in time, many people want to work for themselves by using a method that they think is very good.

So advice is not needed in this case (investment), but good ways and ideas must always be considered and also very well appreciated because it is part of the path that must be taken by everyone for every job they are currently doing.

You clearly took the right decision op since you aren't prepared to lose all of your money op. The golden rule when it comes to any sort of investments is that you must only invest what you are willing to lose.

For some people, the amount that they are prepared to lose could be millions while some other people would only be willing to lose a few dollars.

The big problem here is that many gamblers invest money that they aren't willing to lose and end up regretting their decisions.

When it comes to risk taking then it shouldnt really beyond above 30% i guess.How much more on 80%? It isnt something that too risky for you to put up your money.
Even if we arent really that investing on crypto then any forms or investment then it would be still not that considerable or something recommended. We arent that blind not to see on how risky this
market is and how unpredictable it is. It would really be just that normal that you should only invest on what you can afford to lose, its always been that golden rule on investment so that if ever
the market turns out to be bitter and sour then you wont really be making yourself get totally wrecked.

If you do able to accept the risk and aware on what are the probable events that could happen then you're good to go.Just dont forget the keypoints!

Never invest in your savings, that's a bad idea hence crypto is very unpredictable and it can lose your money anytime or it can double your money as well. My point is that invest what you can afford to lose and just use your extra money on it though they say high risk high reward but Invest on good project that has already established a good foundation that could last very long in the market.

Only you choose the strategy by which you will earn money: trading, holdings, stacking, etc. I advise you to stick to wisdom: in order to earn, you need not to lose. The most secure strategies are the best. If your choice is trading, then I advise you to set the support and resistance levels of cryptocurrencies

https://altfins.com/knowledge-base/support-and-resistance-lines/

In my 10 years of experience as a trader, trading at these levels is the only true experience of price forecasting

I do not agree with this, not everyone has to invest their money. My father never made an investment and he is not a rich person at all, if you want to invest and be richer that is fine, but he lived a comfortable life because he worked hard and earned enough month by month to make us all live very comfortably and then retired, he is now not rich at all and he survives from his retirement fund as well, not a ton of money but just because he is not rich doesn't mean he is poor, he is doing well enough for himself.

That is why I honestly believe that there could be billions like him, not super rich or anything, but doing as well as it gets with a good salary and just live a life like that, no risks, just a pure salary based life that will go on as much as it could.

Investing 80% of your savings may be worth the risks or not as it depends on what you are investing in.

First, is it a new business. If yes, how much profit did it make in the first year. Who sits on the company's board of directors? Look at their financial projections for the next five years. It would be unwise to invest 80% of your savings if you are first time Investor.

In the bitcoin holding world patient is the answer. in the bitcoin investment is risk taking investment,  if you don't take risk, you are not an investor you are player you come play in the crypto world, your will not gain anything, In bitcoin investment, it is a risky one, but there are higher chances of profitability if only you have the patience to hold your investment for a long-term. Investing in crypto certainly has a more severe risk if someone doesn't understand how to take the risk you lose, but profits can also be obtained that exceed the risks that will occur.

yes, of course in this case we have the same view.
but in crypto investment potentially you don't always have to invest in bitcoin, but there are still many interesting Altcoins to invest in, for example Ethereum, Bnb, and matic are also Altcoins that have a good future in my opinion and can provide benefits for their holders

The important thing when we want to invest is to understand risk, if we want big profits of course the risks are also big, cryptocurrencies can make our heart like a roller coaster, and in my opinion 80% is too big an amount, if the market is red and you lose a lot of money then you will regret it, better use 10% or less so that if the market drops you don't cry.

At some point you need to take a risk to make the experience so that you don't make the same mistake on the next try. I interpret Risk as part of success, without risk you will never know the word "be careful".

People who dare to take risks will always try new things to reach the point of success. The courage to take risks will make an investor prepare for the worst possibilities such as failure and so on. Of course the possibility that will occur will provide varied changes, at least that is what makes investors prepare themselves optimally before making a decision.

Investing 80% of savings is not a problem and if you can't take investment risk you can never gain and never get rich.  But it should be remembered that never the entire fund can be invested in only 1 asset.  If you do this then you will lose a large amount if there is a loss. Investing in Bitcoin has a lot of potential but no one can guarantee you how much profit you will get from it in a given period of time. You can invest in multiple potential assets like Bitcoin, Gold, Real Estate, Stock Market, Agriculture, Bank FD etc. So hope you can gain something good.  I am not giving you financial advice just sharing my thoughts

Without risk you cant gain any , even those people who got rich that comes from the scratch they also take risk but only a calculated one that they have a high percentage of profit. Also if you are really scared in taking risk then for sure you'll not be going somewhere, that is why others will tell you get out in you comforzone and for sure you'll learn along the way. But again those investments that you are planning you should have knowledge on it to lessen the risk

Risk-taking is a necessary aspect of the investing process. Investments are not for you if you aren't averse to accepting risks. Even investments in savings accounts or real estate, which are often seen as safe and guaranteed, carry inherent risks. However, without taking personal risks, it is impossible to advance financially. You can have a secure life by spending all of your money on short-term pleasures, but only investments can give your life long-term sustainability and fulfillment. Learn how to manage the possibility of taking risks without endangering your emotional well-being, and find intelligent ways to invest your money to reduce the likelihood of losses. I suppose this is the only option if you want to prosper, build up your wealth, and eventually have access to more comfort and a higher standard of living.

easily involved in investment in any coin is not suitable way of earning but investigating about that coin prior to investment is necessary. Do you think that you can afford 80 percent of your saving? if yes then do it but in my opinion reduces your percentage and make it less than 50 percent so in this case you will be satisfy with your investment. I think you should not use large amount of money until your fear become disappear after getting experience about trading so first manage with little amount then increase it step by step but when you learn completely and understand the basics about trading.

It's not bad investing 80% of your savings. The thing is, is it money you can afford to lose? If yes, do not invest all of the money at once if possible. Split them and invest them at different times or periods of the business. At least before the next investment period it would have given you the time to know what's working and what's not and to know if you should continue with the business or change to a better one.

Unfortunately, even excellent coin research can yield nothing. We see only the tip of the iceberg, we read a white paper (it may be well written, but the ideas in it are often utopian), we can study the development team in detail, but there is no guarantee that the team will not scatter or that the idea will be picked up by the mass

80% is too much i would say, how you would be able to partitioned out your money since we do have those daily expenses + savings for emergencies + necessity spending + wants and other factors needed
in order to have a comfortable life? You cant really just put it all in one place just because you've been trusting up that on Bitcoin. Well, we do have our own approach and insights into particular things
on which it would really be just that normal that you might really be having that impulsive approach just because you've seen that there are people who do become multi millionaires just because
of holding it. Yes, it could really be still giving out that chance on making profits but it wont really be just as big same like theirs.

Crypto investment is risky, we dont know on what the future looks like on which it would really be just that normal that there would be people who do make profits and on the other side there are people who
do lost up money and this is why you should really be minding off about the risk involved and thats what matter the most.

investing 80% of your total saving is too bold act to do because you need to have liquid part of your saving to fullfil the sudden / urgent needs. Moreover if you want to put your 80% on risky investments although every high risk investments also promise high return of investments.  But i think you should divide your savings properly.  i mean, better you to make a diversification not only put all of your 80% savings to the risk investment. You can put 50% of your savings to low risk investment such as Bonds that are issued  by the government then 30% of your investment on high risk investment that can give you high return if you do the right way. Just share my suggestion but you have all of control on your money.

It also depends on your savings and what you use it for. I mean, if it's savings for the future, we won't need it, then we can consider taking some out to invest. But if this is money for the near future, in case of an emergency, it should not be used for investment. 80% is huge and unsuitable even if we invest in low risk assets because investment is very volatile, and there is no guarantee that it will always be profitable or quickly.

For a newbie, I don't think they should use more than 20% of their savings to invest. They don't have any experience so investing large amounts of money is not a wise decision.

It is not right to invest in everything but there are some coins that definitely get profit if you invest in them. It turns out that if you invest 80% of your money in total and save the next 20% then I think it will be better for you. So you invest in investment worthy coins and try to hold for long term.

Developing a habit to think deeply and make extensive research before committing funds in any type of investment is a good approach, specially considering your financial situation and risk tolerance level, however it is equally important to acknowledge that all investment come with certain degree of inherent risk, higher the risk tend to generate higher returns, this is how the financial markets work world-wide. Generally, the successful investors and rich mindset always take risk but after due diligence and through research.

It is true that nothing can be gained without risk but profit is not obtained even if risk is taken everywhere.  You have to take risk in the right place if you want to gain something, so before investing in any place, you have to research well and then invest. But in this case Bitcoin can be a potential investment.  But there will be high risk and should be considered only if you can keep your money invested in Bitcoin for long term as you will not get any good from Bitcoin without long term holding.

If we cannot accept all the risks then whatever we want to do will not last because of the fear that always haunts us, then in this case, especially the problem of investing the risk we receive is very large but if we get benefits are also very satisfying, then whatever we want to do is important we already know all the advantages and disadvantages of the project we want to follow then if it is suitable then we must be ready to take risks if we want to  Get something that is indeed very valuable if the predictions we have made are correct.

If your total savings are large and you have 80% to invest, that's a large amount, but it all depends on where you invest.
and to invest in bitcoin can be challenging for some people because of its large price fluctuations, especially bitcoin volatility is much greater than other investments.
however this makes bitcoin an attractive risk asset for many investors, as bitcoin has historically performed better than other investments and encourages many investors to take on additional risk in return for the potential for higher returns.
it is worth studying the biggest risks you will face in bitcoin, especially when it comes to fluctuations. And if you do it for the long term, I think everything will be fine and the long term will definitely bring you good returns in the future. And most importantly you have faith and also strong patience to wait for it and also face its fluctuations.

Apart from BTC and ETH, I really don't see any 3rd coins that are definitely profitable for us. Everyone wants to invest in good coins to make a profit, but the problem is that no one knows which is a good coin, research and evaluation are only a part, it cannot guarantee anything. And for a newbie like OP, I don't think it's good to invest 80% of the savings, instead, I recommend him to invest 20%, and the remaining 80% is savings.

If you try to invest in crypto world with your savings 80% i think it's almost 100% you do, only 20% left, you say fear, for me it's not fear anymore, but courage.

There are many ways that crypto users or investors make investments to improve their economy and get rid of the fear of losing their economy.
Example:
• if you have 100% savings you can invest 50% in crypto, the rest is up to you, that way it's safer for you financially, you still have 50% savings reserves after you invest.

Proverb:

Thus you do not bear a loss of nearly 80%.

Investing eighty percent of your savings in crypto is crazy, so you have twenty percent left?
How would you react if something unexpected happened? Or a new outbreak like the Covid-19 become a thing tomorrow? The crypto market will be so affected that your eighty per cent won't have any value left and you will hate yourself for making such a decision.

If something bad happens, can you live without the eighty percent?

If you answer no, you are taking a huge risk, The amount of money you invest in crypto shouldn't exceed twenty percent of your savings. Don't be greedy as it could be very costly.

never take an 80% shot.

You must always have reserves.

20% + 20% + 20% + 20%

over 4 years is much more reasonable.

Are you young (under 35)?

Middle (35-55)?

Older (55-65)?

retired over 65?

I think we should invest in btc and ETH. Even if we gain small amount in them we don't have much risk of losing money. But op thinking is totally wrong if he invests 20% instead of 80% it is better for him.  will be If his money is lost then there is no risk of losing all the money. We have to invest little by little if we invest all the money at all then we have a big chance of losing money. So we have to think before investing and then invest

Risk management is more important than taking risks. Because without taking risks, you can not be successful. So it is necessary in some period in life to take risks. Then the main concern should be how are you going to face that. So IMO risk management is the most important thing in our life.
So when you say that you are willing to invest 80% of your savings, can you really afford to lose that? Because it is always said that only invest what you can afford to lose. Make a plan and strategy, use a little amount to try its effectiveness. If it works for you, then you can invest based on your plan. Do your own research and as it is your own money, no one have the right to tell you what to do. Do as you feel which could be the best for you.

All of us are taking risks every single day without fully knowing it, for example you decided to not learn something that can help you to grow and to become rich and it is considered as a risk. In life we should know if the risk that we are taking is worth it or not, once we know it then we can improve not only our financial management but also our own self. It is not about just accepting and taking risk, it is about knowing if the risk is worth it or not. We can know if the risks are worth through good risk management, deep thinking, analying, and through past data that we can use in order to create a wise decision.

I'll give you guys a good scenario, my friend introduce me on new investment and the rewards are high base on his opinion, the question is will I make an investment just because I have been told? The answer is NO because I do not have enough data yet and for me the risks are too high wherein the probability of losing my money is much higher than making a return so I may pass if that scenario happen to me. You see I already identified if the risks are worth it or not.

Whether it is for 20 or 80 still we need to make sure that we are ready to take the risk. All investment here on earth needed to be took with risk, there's no hundred percent safe in investment. If you want you can also took some classes for it so you will understand everything. Risk management is kinda hard at. first but it will help you with your life as well.

Everyone thinks twice about anything related to money, even spending money some people take their time, we call those people frugal spenders. Investment should be done wisely and with caution so as not to have any kind of regrets later.

Agreed the scared of losing money is the reason why you don't easily invest in any asset but do you know that you're automatically losing money every day just by holding it or keeping it in the bank because the fiat currency is losing value every day and this will always happen until the government wakeup by stop printing fiat money unnecessarily.
Taking risks is important in everything but you must be sure and have good knowledge about the asset you invested in.

When come to investing in assets and spending money it all depends on self-understanding and belief. However, investing setting knowledge is the power needed to make a flourishing investment decision. When there's knowledge making wise decisions that will lead to no regret will be easy.

You name it here. These questions are usually all about individual circumstances. Most guys who open such a thread here bring up some number like 80% without any further details. How should someone come up with some reasonable advice?

80% always sounds like too much, but imagine if you are a 20 years old guy with a good source of income and no major financial obligations. If someone decides to take a risk with 80% of savings, it could still be ok for as long as you know that you can pay for everything that's going to come your way for the foreseeable future.

The younger you are and the less obligations you have, the more you can go the maximum. It totally depends on countless of other factors that nobody here knows anything about.

To be fair, altcoins or memes give better returns than bitcoin and eth, hundreds of times more returns than BTC and ETH give you. But the higher the return, the higher the risk, so many people don't dare to invest in altcoins and start talking bad about it. But if someone is brave enough and willing to take the risk, then investing in altcoins is the right thing to do.

To invest you must invest with risk.  You need to invest where you can see potential for profit.  Investing in the wrong place is not an investment but a waste.  You must choose carefully before investing.  If you invest in the wrong place without being sure and the investment money gets lost somehow, you can face a very bad situation.  From which it will become difficult for you to turn around.  So be sure and invest in the right platform.

In my opinion, we can often learn from reading other people's experiences, many people are too easy and believe in investing because of a lack of information, especially now that social media often provides misleading information that makes people easy to get scammed. As investors, of course, we have to learn everything so that we are ready for the risks that will occur.

80% means the highest part of your savings.  Which means investing in a spam place means  knowingly jumping into the well.  It is true that one cannot be successful without taking risk.  But I can say from my own experience, you can invest 40%-50% instead of 80% which you won't lose much.

There is no such business in the world where you have only profit because with any business there is always risk of loss along with profit. Yes, it is certain that some businesses have a higher risk of loss and some businesses have a lower risk of loss.

But where the risk of loss is high or the rate of loss can be high, the rate of return is also very high. You should never invest total capital in risky business. for example, if you buy meme token, the risk is very high, but if you get the profit, it can also be very high but if you take Bitcoin, here the risk is very low but the profit rate is also low.  Always invest your money in a business that you know about or have experience in then you will not be so afraid of losing your capital.

True, 80% is a very large value if we invest in crypto which is full of risks and many unexpected things, I have invested with a value of about 30% of the amount of money I have and this makes me unable to calm down and always worry, worried that if the price drops then I will lose money, and now I only limit it to a maximum of 10% of the amount of money I have.

Seriously, 80%? And you say you're still afraid in that state? I wonder what will happen if you gain more confidence! lol.

Okay, serious mode. My advice to you is to not hate that fear, never try to rid yourself off of it (although it would probably be impossible to get rid of fear). In fact, it would be best to befriend your fear instead because with that fear, you become cautious and would be more likely to push yourself to learn more and prepare lots of counter measures etc., just to make sure you don't mess up and lose your funds. Which is very vital in this industry.

Now about taking risks. Yes, it is important to take risks in order for us to better ourselves and to not lose out on great opportunities. But that doesn't mean you mindlessly jump headfirst unto everything you set your eyes on just because it looks good. Always calculate the risks that you take and make sure that whatever the consequences may be, you will be able to withstand all of it, win or lose.

Good luck op.

Investment is so risky inventor should carefull study the information  before making  a decision to invest. However it is important to understand  that no investment is risks free  their will be profit or huge loss. Before investing we have to thought twice that how, when,what we are investing should be know properly. Successful investing is managing risks not avoiding it either it will make  rich or begger. To become the best version of yourself we have to take risk in life.

if you are beginner. try to use 20% of your savings first. if you are already a little advanced about candles and indicators you can improve it. because there are too many theories in investing and trading but if you do it right away you can know for yourself what is best for you to do.

There's no percentage that's generally for everyone since we're all different and have difference finances and way of investing. For some individual their risk limit can be 5%, 10% or 20% but the risk limit shoudn't be putting you in a position that could bring you bankruptcy. For an investment to be risky to you, it means you're doing it all wrong.

As an individual investing in cryptocurrency, you should've wisdom that the market is very volatile so you shouldn't be investing a percentage that'll take all your money away if something was to go wrong or the market was to fall when you still have you're still invested.

That's a great point. Before investing in anything, it's important to do your research and gain a clear understanding of what you're getting into. This will help you make informed decisions and minimize risks.
It's also important to remember that success usually doesn't come easy and may require hard work and patience. This applies not only to investing but also to other areas of life. By being persistent and dedicated, you can achieve your goals and reap the rewards of your efforts.

investing without understanding that investing is a gamble, indeed we should deepen our knowledge of the field of crypto investment, after knowing the risks and rewards then we can determine whether to invest or not. if we dare to take measurable risks, investing in bitcoin is actually minimal risk, but for those who lack knowledge, panic will strike and eventually suffer losses, because they are wrong at the start of investing, most people think it's an easy and fast way to get money

Investing in the crypto world is very risky because we find it difficult to predict that the coins we hold can rise according to the time we expect, so if you are afraid to lose your assets better just save your savings because it will be safer for you, but if you want to get a profit that we cannot expect then taking a risk in investing is certainly something you have to do because anything that is profitable certainly exists The risk, so you must be sure that we must invest because it will be an asset that we will enjoy later.

The crypto market has high volatility so this cannot be changed by anyone about anyone who knows the risks of investing in crypto then he must be prepared to bear if there is a decline due to a market crash, but for investing I trust bitcoin alone this might be a more useful asset in the long term and does not have a fast return but takes a long process if we stay in bitcoin it will generate even greater profits.

Saving money in savings will not produce anything instead it will be affected by inflation, I know this is for the stability of its value but still it will not increase the value of your money if it is in savings only, only investing that can double your money is better, of course in bitcoin.

Investing is a risk, investing 80% of your total savings is something else.
Before investing in anything, make sure you have researched what you want to invest in. Investing is risky enough as it is, talk more about investing without having deep knowledge of what you want to invest in.
I cannot state exactly the amount or percentage of savings one should use to invest, I'm not even sure there is a universal number to that, but you have to be reasonable when investing. If that saving is something you can afford to lose, meaning, you will be okay if you lose that money then it's left for you.
Taking risks is important, but we should take calculated risks. Use the risk-reward principle. And make sure the risk you're taking is a reasonable one.

If you think you don't invest for fear of losing your money, you're a fool. If you keep your savings then no profit will come from it even if it is useful in your future. You should invest your money where you have a desire to make a profit. If you invest your money in a good coin then it is definitely possible to get profit and if you invest without understanding then you will have risk and loss demand will be high. So you should invest your money in the business first without taking too much risk and later increase the amount again if you get profit. If you invest in this way, your business will not have risk but the risk of profit will be more.

What you are saying is right and accurate, this is what should be done first before investing in a business opportunity. Because if we are only led by hype and sweet words, for sure the chances are high that we can lose the capital money that we will use or work hard for.

      It is really necessary to work hard for the things we want to achieve in life so that you can feel the true meaning of success in our life. Just don't give up and keep going until you reach your life goal.

Investors need to get it right: investment in crypto = risk. And only if a new user in the market agrees with this rule, then let him buy various assets. Very often, many people's expectations are too high, because they think that in a day or two they will be able to multiply their deposit several times, and most often it happens the other way around.

Being conscientious and afraid of investing is natural, if we have big money and are planning to invest then the best thing is to choose a low-risk type of investment such as property, gold or something else, if you plan to invest with an amount of 80% for crypto then I suggest lowering portion to a maximum of 25%, this will make you calmer when you see very volatile price movements.

everything that starts with fear is not good especially for investing in crypto which has quite significant and fast movements.
forget investing in Crypto if there is a sense of fear.

all investments have risks and the level of risk will be proportional to the possible profit that will be obtained, so think about it carefully.

If you don't take risks, you won't get anything.

the advice to start Crypto Investment with a small amount or percentage of savings is very good, but it is better to study before deciding to invest.
Investing in Crypto promises huge profits, but it also has big risks, it's quite worth it.

Investment is good and is far better than saving. Also, Bitcoin investment is not so risky as far as I'm concerned, only that the person should understand where he is investing his money. For traders who want to make money with less risk, they should not try futures trading and margin products, they should just focus on holding their coin and they will be fine.

To do this correctly, a lot of education is needed, everything about Bitcoin investment must be known, and above all, good speculative skills must be understood. If all these are done, it's left for such a person to buy Bitcoin cheaply and sell it expensive. Meaning that viable entry and exit levels must be well understood.

I think 80% is too risky, but it depends on currency which is used to keep savings. Nowadays there are a lot of inflation risks for fiat currencies, which makes savings a risky investment too, if money is kept in fiat. And also it's important what the investment program is, since it can be small but stable profit, and it can be something of a gambling type. If its "gambling-type", I'd never invest more than 40% of the savings (this is actually a bet, not an investment in this case)...

Good point.
It should be remembered that with us who are in the midst of indecision, it is better not to do it because the risk of losing will obviously be very large compared to the confidence in what is invested.

All forms of risk must be clearly understood, especially when talking about bitcoin. Not a few people here say that invest what you can afford to lose there. and that's true because there really isn't any guarantee even though the belief for bitcoin is better, of course, it's always great, but the worst possibility with a sudden crash also still has to be thought about, of course.

Instead of having to give up in the middle of the road and suffer a loss and feel cheated about it, it's better not to do it in the first place so we don't really care because we're not there.

The fear of loses is the beginning of loses. If you don't want to lose they you might lose everything because the person that always have fear in them are the ones that end up not gaining anything. They will be afraid of entering into investment that will give them more money but because of the fear in them, they will not be able to meet up with the challenge.

Right, if money is kept on fiat then you have to combat the inflation as well. So, you must do something for you to have it retain its value through investing. Well, 80% of your total savings that will be into investment is a lot but real investors understand the risk and this isn't really a problem to them. Instead of doing nothing about it and seeing its purchase power goes down thanks to inflation, they'll choose to take a risk and that's through investing in those investments and assets they know will be of greater value someday. And to give an idea, we all know it that Bitcoin is making a huge difference and it has proven that it's one of the best assets that we can have to fight inflation.