Bitcoin Forum

It has been said many times that should invest in bitcoin only a part of your money, not all of it, and certainly not borrowed or credited money. But what about when BTC reach ATH and you are ready to sell bitcoin, you should also sell only a part of BTC, not all of it. Do something like diversification. If something goes wrong in the future (bitcoin collapses or is banned), then “now” you will make a profit, and if bitcoin becomes much more expensive, then you will have a part of BTC left for this, and the current sale at a relatively low price will not affect your future profit.

What part (in percent) of bitcoin that you have are you ready to sell “now” (at a favorable exchange rate for you or reaching ATH), and what part will you leave until better times?

P.S. Given the deflationary model of bitcoin, there can be no talk of a complete sale (of all available) of this asset.

The answer will be different for each individual. For sure, no one should invest all their money into Bitcoin because of its volatile nature. But when it comes to selling, it really depends on an individual's need for liquidity.

Personally, I would not sell off my Bitcoins for many more years to come considering I have a day job and not immediately looking for liquidity. Any emergency need of money can be met from the savings.

Bitcoin is an asset for the future and I strongly believe that it has the power to create generational wealth.

I'll sell all of my Bitcoins when it reaches the ATH… or at least near to it because we don't know what will be the exact ATH price of Bitcoin when the bull run happens.
I will not leave any single Satoshi on my wallet once I start to sell.

I know that there are some who prefer holding a portion of their Bitcoins for a very long time, and there's nothing wrong with it. As for me, I believe in 4-year market cycles and if the bull run happens next year (highly likely), a few months after that, the bear market will start again, giving us another chance to accumulate Bitcoins at a much lower price. This is what I believe hence, holding a portion of my Bitcoin to hold even longer doesn't make any sense to me, and if there's an opportunity to sell, I'll grab it same as when there's an opportunity for us to buy at a much lower price. As an investor, I prioritize profit more than anything, and there's nothing wrong with it, right? :)

At the end of the day, we have different strategies, or plans with the Bitcoin that we are holding currently. Some might sell it all (like me), some might sell half, or a huge portion, or some might not sell at all. As long as we make profit then it's all good.

To sell for fiat? Not that much, only if necessary. But when it comes to spending coins, and selling BTC for goods and services, then it is 100%, as every other coin, or anything valuable.

For fiat? Probably something around 1%, maybe even 0.1%. For altcoins, it is probably even 0.01%. For everything else, my plan is to make a transaction, and receive goods and services for those coins. If necessary, it could go through some kind of payment processor, but obviously I would prefer a direct payment.

I am not waiting for better times. For example, I spend some BTCs to buy food. I also bought a laptop for BTCs. I rent some servers for BTCs. It is normal to use a coin for payments.

Why not? Those who are willing to always save their coins for the future, usually miss a lot of opportunities to actually make their coins useful, and buy something. I am not going to become a millionaire, only to die as a rich person, and have all of that splitted between my family members. It is one of the worst possible options, because then, those who can effortlessly get some coins for free, are a good candidates for spending them all, and quickly becoming poor.

I would cash out my investment amount.  Let us say I have invested $5k  before Bitcoin rallies to new ATH, I would sell that part making sure that what I am holding is the one I profited.  This way, I have gotten my ROI and can use to to my next investment, may it be repurchasing Bitcoin when the Bitcoin market transitions to bear market or any kind of good investment venture I come across with.

To explain it further, saying I have invested $5k  and during the ATH Bitcoin 3x in value, so it makes my fund to grow to $15k value of Bitcoin.  I sell the amount of Bitcoin worth $5k to make sure I already ROI and keep the remaining until I feel like selling them all.

I intend to sell eighty per cent of my total Bitcoin holding. This is my first bull run, so I am just getting my first experience. Like you said, I want to diversify my income. I intend to own some other businesses, and selling my Bitcoin will facilitate them. One such company is to invest in real estate. My country has a population explosion and buying land or buildings can be profitable. The price of land, houses and rent is skyrocketing. But I will never stop DCAing because the cycle doesn't stop. I am also considering engaging in a lump sum strategy from the profits I make from other businesses.  

I had so much enthusiasm this year because of the publicity Bitcoin got from the Spot Bitcoin ETF, so my target then was about $100,000. Now I have reduced my expectations to $80,000 and will sell if it gets to that price or above.    

If you're holding bitcoin, then before you can make a sell, it have to be on the kind of holder you're, those that are into trading may not want to release their asset completely like that, because they have it been diversified, others having a long time investment of bitcoin will prefer to see it achieve a all time high of $100,000 or more, though this is actually my own perception as well on my holdings, that i be able to sell when the market at this rate is achieved between now and next year.

The bigger portion of my bitcoin asset will be intended for my retirement so most likely, I would only sell 20% of it when bitcoin reaches its new ATH this current cycle. The rest will be considered for future hodling, not just for me but definitely for the future of my family as well  as I became more motivated to enter into bitcoin investment because I have my family who is my inspiration.

I have always been of the opinion of not holding my bitcoin just like that without making any transactions with them. I have different selling targets for each of my holdings, which means when ever bitcoin achieves that price I will have to sell some part of it to realise profit, even if I don't have something that I'm doing with the money for that time. I will hold the stable coins and rebuy when ever price drops below what I also expect. 
 
If I'm to give a figure, I will say I prefer to sell at least 40–50% of my holdings each time I see a new ATH in order for me to see a benefit of that pump before the market drops down again, and even if it goes above that level, I won't have to complain.

The truth is that I did not start building my Bitcoin portfolio early so the quantity of Bitcoin I have now is far lower than what I expect to have, so generally, I'm still at the accumulation stage and not really thinking about selling now irrespective of what the price of Bitcoin becomes. My emphasis is not on the dollar value of my portfolio but on the quantity of Bitcoin. Therefore, I will continue buying until I get the number I set in mind. I'm using the DCA method and a little bit of buying the dips and I have committed just a small fraction of my income to the business so that I will not be pressured to sell anytime soon.

Some many think that selling during the peak to buy back during bear season is a wonderful strategy but that is not something I feel I can effectively do so to above mistakes, I rather leave my funds in Bitcoin until I get to my target.

This can not be assumed but practiced, because we may assume that we have set limits of how much of our bitcoin holding we are willing to sell at all time high price, such determinant factors like the present conditions of the investor at that point in time and also how much is the total bitcoin asset holding and for how long.


Bitcoin holding is a journey and for any investors to succeed in their bitcoin accumulation jurney, there is the need to constantly prepar to buy more when the price is at low discounted price, because by so doing you show a high level of smart move because at that point the amount that  of bitcoin buy is higher than sell ambitions.

I think that's a good point, if we really want to make as much money from this as we want to, then we should be holding as much as we can. Of course we can sell just a bit to take some of the profits and search for further profits in other stuff as well, but not to spend on luxury stuff, we should keep on investing and making more money, that would be a better way, and I think it will definitely benefit everyone as well.

I know that it's going to be something that will take a while, but we shouldn't really be worrying about it and we should be considering that as something that will take a while. Just keep on holding for as long as you can, and whenever you divest, use that to invest into others that can make you even more money.

I haven't thought of this yet on how much exactly and what percentage I'd sell but, whatever the quantity that I am willing to sell when that time comes then I'll just let it happen and slide. So, I am coming in between that I've got some balls and ready to sell when the ATH comes or near to it and will continue to hold a portion of it. It's hard to give numbers because we'll never know on how much we'd actually sell by that time and there can be a lot of changes that can happen in actuality so, I can't tell numbers.

This is actually the right question that every investor needs to ask them selves, I have always been advocating the fact that everyone should actually have a take profit target this shouldn’t be at a specific time but should be correlated with price, Like taking a profit at $100k instead of setting a specific time like a year to take profit because bitcoin can still fail to reach the desired price before that period.

As for me I have close to 30% of my portfolio that I bought below $30k that I have set aside to sell if the bitcoin goes beyond the $100k price mark. I have predicted it to be around the year 2025 and of it gets achieved the money will be used to set up a local business in my environment as part of my diversification strategy. The profits from this business if we start to make one will be use to buy the upcoming dip I expect in the year 2026. This is currently my plan but the human nature can still change if some situations arises

Even though I agree about not selling all the assets at once when the price reaches a certain point because there is always a possibility of it going higher, I believe sometimes we are better off selling, especially if the possibilities of the market crashing after a certain point are higher which means if we sell and hold liquid assets, we can get more coins when the market crashes. But then again, it's all just based on possibilities.


For me, personally, it would depend on the market situation and the sentiment. Doing some research and observing the market for a little while can give you a slight idea whether you should sell or hold. If the price is intriguing but there is a possibility of a dip, I might sell a portion. If I see there are strong chances of the bear cycle hitting the market, I might sell everything and wait.

Bitcoin ROI is getting smaller and smaller as time goes on. I will gladly sell all my crypto if an opportunity comes along that produces a higher ROI.

You can always buy more Bitcoin.

I'll add, that Bitcoin is a great store of value, but what good is value if it's not utilized? Wealth is gained through investments, not locking your gold in a box.

In 2017, I sold everything and then started from scratch to accumulate as much as I can. And so the same decision I made, although I'm kinda late to sell everything in 2022 because of some circumstances.

However, I don't know, I'm thinking of just selling a small portion in this bull and not everything. My reasoning is that Bitcoin is really getting scarce and we all know that almost all Bitcoin has been mined already. Although 20 million now, and so the supply is dwindling but I'm expecting that the demand is going to be high in the next 2 or 3 halvings and so it's better to just sell some but keep at least a portion of it.

Given that the price would've reached high enough, I probably would sell all ngl. Bitcoin has often tended to crash down after some ATH was reached so once I sell at the peak, I would 100% sell everything and just re-enter the market a few weeks later when the prices have calmed down. I don't really see any advantage in trying sell only a part or even continue my DCA since the better plan there is just to restart the whole cycle itself imo.

Yes, that's what I have seen before, after the peak and the bull run, we might want to sell everything and then just go back once the price goes down because obviously, we will see a bear season after, and the market going to crash. So at least, if you are holding for that cycle, then maybe it's time to take profits and enjoy it.

And then you put up another strategy in the bear market, accumulate, accumulate and more.

So for me, I will sell 100% of my stash this bull run. And just rinse and repeat my strategy for the next cycle. Others might not agree with my method though, but this has been effective for me as this is my bull run.

It's not a thing that I have predetermined but the general rule of thumb is that as stated in the OP, never sell everything. And I would say for quite some time it will be to not sell much, like 50% of my holdings at most in an extreme case but it will probably be less than that. I prefer to keep accumulating, building wealth, both with Bitcoin and other assets. The time will come to stop accumulating so much and enjoy the nest egg, but for that it better be big enough, so that you can keep eating eggs without loading up the nest egg or even while it keeps getting bigger.

Selling my Bitcoin during ATH really depends on my financial situation. Part of my plans/strategy in investing in Bitcoin is to also get another source/stream of income that will be used to take care of other things, which means, I am not just currently investing in Bitcoin alone, but other projects that I strongly believe in. But if I happened to be without personal funds within the period of ATH, then I might want to take about 50% of my holdings, or maybe take a profit that will level my portfolio back to the average initial price. If I sell 50%, then it means 50% will be reserved for better price ahead.



This is exactly my fear. Bitcoin scarcity is increasing as the total supply is almost in circulation. I don't really know what will happen to the scarcity rate before the next ATH, so it will be best for me to sell a portion of my holdings, rather than selling the entire portfolio and try to buy back.

I don't think there is a straight answer to this because it depends on how much profit you've made and what you intend to use it for. If you plan to use it to invest in something else or start a business, what amount of the profit will be enough to get what you want?
You can decide to take only the profit and leave the actual amount you invested or take more than just the profit, but for me, I'm taking profit alone.

Based on the plans I have right now if I am to sell, I will only take profit. I'll leave the rest to yield more profit. I can't state an actual figure or percentage.  That was I can continue DCAing and accumulating more.

You have actually said it all because whichever way it is, if there is any need to sell it should only be some little part of our Bitcoin and leave the rest to continue growing because nobody knows the future whether it will turn out good for Bitcoin or not but however the most important thing is to prepare ourselves that no matter the outcome we have something to hope for, though for me in terms of Selling some of my Bitcoin, I don't think I can sell for now because there are still other things that can settle and take care of my daily needs and besides I'm still on the point of accumulation of Bitcoin so is should be someone that already have a sufficient amounts of Bitcoin that should be able to sell some parts.

Is also a good approach and that's exactly what most people normally do, instead of selling some parts they only collected some of the profit and allow there capital to remain the same, though the profit is dependent on your investment size, so actually somebody should have at least an encouraging amount before getting a good profit.

It depends on how exuberant the market gets. If we hit a million per coin in the next 6 months, I’d probably sell 90% of my BTC. A man only needs so much after all… If we stay sideways for the next 6 months, I probably won’t sell any. While letting the market determine your behavior isn’t the best strategy, having patience has done well in the past.

Selling for half amount from the total amount is good because at least, you will have your profit while you can waits for the time to buy back. But you can sells all of your Bitcoin you have in the next ATH because no one can stop you to do that way. People who doesn't have many Bitcoin can think like that as they will sell it while the price is in the peak.

But some people will still hold most amount and only sell for some small part. That is no problem because we should decide by ourselves and not because of others suggestion. Maybe I will sell 30%-75% from my total Bitcoin and leave it the rest to wait for the next highest price.

That money will be big if Bitcoin can increase up to $100k or $150k. That price will be okay for me to sell so the percentage that I want to sell will also give some nice profit.

I do have some portion of bitcoin assets in my portfolio, however after 2014, 2017 and 2020 crash where I had lost 80% of my value of my bitcoin. I dont keep 90% of my portfolio in crypto. Because those days when bitcoin crashed like in 2018 when it broke the $6K support, I lost so much network I was sick to my stomach.

Sure it can go to $100K or $1M but I cannot stomach another 80% draw-down like in the past. I keep it at a manageable level now, so even if it does go 80% loss, I can buy more instead of selling a bunch on the first bounce. But I guess everyone's preference is different compared to mine.

Even though you are very experienced during several of these cycles, I admit that the psychological pressure caused by falling prices is very difficult to avoid. We all admit that the price of bitcoin will rise over time in the long run, but we are always pessimistic and tend to change our point of view when the price falls so much. If you don't sell at that time, then you can certainly take big returns in 2024, especially during ATH.



I think your investment approach is right. You need to accumulate over time until the average price you buy is lower.
If you have been doing it for a long time, then I am sure that your loss percentage is no longer the same or in 80% now. Your loss percentage should decrease as you buy more assets at lower prices.

I can feel you. Even if you'd say that you're an HODLER forever but those times were certainly crazy and mind-boggling, stressing, and very emotional levels. Reaching those high prices are very likely in the near future but then, we might have to face the craziness of this market and will lead you to a stressful day dealing with it. And how you'd deal with them will also determine your passion into holding or else, you'll have to release that stress through selling when you're pressured and you just can't take it anymore. We as individual investors have been dealing with this kind of battle, a silent battle indeed. And when we're able to make money from the market into selling good gains, they think that we've been there too easy without any hassle or mental damage from the stressful market. Yeah, this is what volatility is.

I agree with this, never sell everything if you do not have to. I did it twice so far in my crypto life, while I do regret both times it was a must, and I would never sell everything if I can help it. This is why I suggest that the best thing to do would be just waiting for a better price situation, always keep buying more and always keep on holding. If we can do that then the return should be great for all of us, and we should be making some profit from it as well.

The reality is that many people end up selling when they see the price and because of that I think it's something clear for everyone that if you have weak hands and keep on selling then you are not going to get anything good out of it neither, it will not benefit you at all. Many people end up making a ton of mistakes by selling just as it starts to go down because they fear it will drop even more.

If you are smart and sell at the top and buy when it goes down then that's good, but many miss their place and they are too late getting back in. So, it would be better if you could end up getting a good result, we should consider how to get greater results whenever they have some time, it should be very important without a doubt.

If my btc was worth 3 million I would sell 2 million of it.

So 66.7%.

But I am 67 with 2 health issues and no kids.

A lot depends on your age and future plans.

Since each person invests in Bitcoin according to his needs, I would also say that he will be responsible for his own profit or loss. How much he wants to give up or how much he wants to hold is entirely up to the investor himself. But as an ordinary investor, I must say that no one should not invest all his money in Bitcoin, he also should not sell all his money. There are many instances in the crypto space where 75 percent have sold an asset with the remaining 25 percent profiting the most. Investors should pay attention to these factors when buying and selling.

depends on what ATH we're talking about if it's just ATH that's slightly higher than previous ATH i will only sell my BTC holding partially around the ATH but if the ATH is for example like $100k price mark then I will sell all my holding and reposition back in bearish.

i will just be a realistic investor, a coin that's already reached ATH will hardly continue the pump, even more so if it's already showing weakness around peak where it always fail to breakthrough and bounces back at certain price mark.
reinvesting when BTC already at bearish again is the perfect way to grow wealth and not get too holed up in a dreamy future prospect.

I may not have to sell the entire holding capacity of my bitcoin asset for now, but there could be a need for me to do so as well if i see that the market is very bullish and i can quickly take advantage on that to release and later reinvest on the same asset after which the market would have fallen dip, its actually a strategy in which many of the long term holders could engage doing, while it may require patience and time to have it done.

You are right, in this case it really depends on the assets that they have invested in and also the profits that they have earned and I agree with you if you take part of the profits that we have gotten from BItcoin to develop a business, of course this will be very good because we will also be able to continue the process of accumulating Bitcoin when the business we are running can run well.
When we have reached the target that we have invested, then take some of the profits and leave the assets we already have to be able to hold until we make profits again, but we must also continue to accumulate Bitcoin so that we can still make profits later.

I am not yet decide how many portion of Bitcoin I have that I will sell later. I also not know how high Bitcoin price will be so I am waiting for that while I still buy Bitcoin as many I can. But selling 75% from the total of my Bitcoin will give me much money especially when Bitcoin price make a new ATH.

I don't want to borrow money from other people to buy Bitcoin and will trying to separate some amount and allocate that to buy Bitcoin. Borrowing money from other people will give me a problem because I am not sure I can give back the money to them.

I am one of those who are ready to sell very little regardless of the price, because I believe that despite all possible risks, Bitcoin is the best way to store value, but also that we can use it as a currency at any time. I guess there are two types of people in all of this, one who is only there for the profit, and the other who look at Bitcoin from a slightly different perspective.

Everyone has their reasons and no one should be judged for the way they look at things, especially those who have been enabled by Bitcoin to live better and achieve some of their dreams. Let everyone do what they think is best for them, because life is short and the truth is that it doesn't make sense to hold on forever.

What do you mean, "what portion of Bitcoin assets"?

Bitcoin is non-fungible (ignoring all the chain analysis "taint" BS). That means you can just sell any UTXO you want. There isn't going to be a difference if you sell one set of coins or another, except I guess how much you sell.


Sell as little as possible. High gains become even higher amounts over the years.

In case the P2P cash gang brings their pitchforks - obviously, spend as much as you want/need to of it. Just don't liquidate the rest to cash.

When bitcoin price goes up super incredibly high, I do take some profit to other coins, which is why it's such an important thing to do. I agree that it is not a simple job, but it is definitely something that I would care a lot about.

This is why it's important to realize that if we are dealing with something like this, then we should be careful about it as well. When you sell your bitcoins, you are taking a risk, because bitcoin could keep going higher, and when you buy altcoins with that, you are also taking a risk because you can pick a terrible coin as well.

This is why I believe that I am taking a risk, but thankfully I will always wait until I doubled my investment before I do this, because when you double your investment, taking just 10% is not a big deal.

So, let's assume I invested 1k, then it became 2k with bitcoin going up, when I take out 200 dollars of that, I still have 1.8k in bitcoin, and now I have 200 in altcoins as well. If I am right and price goes up, then I make even more, if I am wrong and price goes down, then I still have 1.8k in bitcoin so I am not worried much. This is the way I did it so far and I think it is going to stay being something that will be profitable.

Same as that, I only sell Bitcoin if I need to or I have no other means to pay
for goods/services which I would need Bitcoin for...otherwise I'm HODL'ing.

Even when Bitcoin has reached ATH's or when others were taking profits I HODL.

Currently I am envisioning that I will need FIAT in the next few weeks for a project
I am working on, I can see it in advance and I will have to sell some Bitcoin
eventhough HODL'ing until 2025 until the market rises is better, I will need to sell before
that...thats just the way it is.

I agree with you on this. What I want to use the money for should determine how much of those holdings that I'm going to sell, and how many I bought with the exact amount I purchased them will also determine how much and at which price I will sell each of them. 
 
Unless it's in cases of emergency, if not, I will also want to sell off some of the holdings when the bitcoin price reaches a point that I can be sure of 50-80% added to my wallet as profit and leave some until I can be sure of more profit.

I think parting with even a smallest part of your Bitcoin fortune is something you might really come regret in the future (as the past has many times proven). Personally I would rather cash out any other liquidity than sell my Bitcoin.

I want to wait for a while until I see how high Bitcoin price will be. If Bitcoin price can reach more than $100k, that will be a good number to sells Bitcoin for 50%-75% and leaves for some portion of Bitcoin in my wallet for another long term investment. I can buy back Bitcoin in the next bear market after the new ATH later so that means I can have more portions of Bitcoin than before.

Besides that, I can use that profit to buy something that I want so I just need to know the allocating of the money. I guess it is enough for me to enjoy the profit with 50% from the total of Bitcoin I have. While I can use my time to wait for the bear market to buy back.

Everyone has different ways they plan to go about their Bitcoin, some may choose to sell part of their Bitcoin when the price hit a certain level of ATH or an ATH they find convenient enough to sell part of their Bitcoin, some also have the mentality of selling all their Bitcoins when they achieve their peak of investment like someone who bought Bitcoin work $5000 when the price was $52k, they can decide to sell all when the price hits $300k and invest in real life assets they feel it will be profitable for them simply because they don't trust the future of Bitcoin as anything can happen at any interval of time. But it will not be wise for any investor to consider selling all their Bitcoins even at the peak of their investment, it's a very wrong investment mentality.

For me, if someone has a well paying job and has accumulated a huge amount of Bitcoins and the price approach their desired targets, they can decide to sell part of their holdings and keep it as a reserve funds if peradventure the price falls, they can use the reserve to buy at lower price and still continue to hold but if anyone should sell part of their holdings just because of diversification, let it be on assets that are worth it and not use it to invest in worthless or shit projects. However, even though we trust the future of Bitcoin so much but it doesn't mean that the future is certain so we should also have alternative means of investments while having most of our assets in Bitcoin.

It is not bad what you think, because although lending money to buy bitcoin is a good way to secure your future, since you have to have the ability to repay to do so, however, first is the reputation, and everything that has to do with the person to be able to Respond and not look bad in front of others , less with money, I see that the best thing is for the price to go up , there are always things that make us think that the price will continue to rise, the volume is one of those, if there is a sufficiently large volume, it should not be sold, the portion of bitcoin that you want to sell depends entirely on a very personal decision of each one.

Probably everyone has their own goals, and to achieve them there must be a necessary amount, and this is what will determine how much and what part of the bitcoins will need to be sold. I am sure that people who are used to investing in Bitcoin are unlikely to be able to spend all their assets unless there are any emergencies, so even if Bitcoin reaches the expected price for certain investors, they will certainly not stop investing in it after that.

Due to differences in investment plans and approaches, differences in the way they make decisions can be considered normal. Selling some or selling all bitcoin at a price that has reached the target is the realization of an investment plan, so we cannot blame who and how they did it. As long as it's good for them, I don't care if they want to sell 10%, 20% or 100% of their bitcoin. If it were about me, selling 100% at $100k is my plan so far, but I may change that plan if I see a bigger potential of a price increase.

I am getting the mirror of this from my friends who often borrow money from others but they are difficult to repay the money. That gives them a problem because they has been chased by the lender who want to get their money back. I don't want to have the same experienced as them so that is why I am not going to borrow money from others if I am not really in urgent situation.

Relating to the Bitcoin portion that I want to sell in the next bull run, I think that could be more than 50% from my total Bitcoin. If Bitcoin price can have more than $100,000 in the next bull run, that means a lot of money for me although I don't have many Bitcoins.

Usually before I do spare some money to invest in bitcoin I do see it as money I can risk and I can also let go even though bitcoin is ban or crashes to something we can't bear about it it still something that I can lose because already that portion is what I had spared for the investment, and of course I will still hold even though bitcoin drops or increased if it does get to my investment plan, like the duration I wish to hold bitcoin I won't still sell rather would increase my portion of bitcoin to stand in a better chance of making huge profits within 12-20 years to come.

In a profitable position, I can sell 100% of my bitcoins and make a profit.
For me this is a good investment practice especially when I don't have much capital in it. Holding some bitcoins may also be profitable, but in a profitable position, the best thing for me to consider is to sell everything and wait for a correction and invest again.

This method allows me to have more bitcoins rather than requiring me to add extra budget for accumulation, of course this is not a good investment approach for anyone who wants to hold bitcoins long term, especially if they want to keep bitcoins as an investment for their retirement.

That's exactly how I feel and I've been holding for almost a decade now.

I see no reason to sell for fiat especially since I have some fiat stashed away and it's losing value every year. Why would I want a bigger stash? I'd rather buy physical gold if I really felt like selling bitcoin for another asset, or I'd buy some land in a nice area, like lake shore, or near the seaside.

Let's say we went to $80k next month. I'd probably think of something to buy for myself and my family like a new computer, maybe stuff I need for construction like a better fence, automated gate so I can open it remotely, things like that. I would maybe sell 0.5-1% of my coins. That's it.

If we continued upwards from there and reached 90k, I'd probably sell another 1% and spend it on travels. I'd go to some warm island for January or February and forget about Winter for a while.

What price would make me exchange more? $200k maybe? I don't need money that much but at that price 1 bitcoin could buy me a nice apartment or a small house. I could get that for my daughter so she has her own place waiting for her when she grows up.

For me, I always thought that I would sell 50% of Bitcoin at the ATH and keep the remaining half in case Bitcoin continues to rise, because this peak will definitely not be the last.

So I think about selling 50% and keeping the rest, if the price falls again I will buy back from the bottom and wait for the rise again, and if it continues to rise I will sell 25% at the new peak and so on.

It certainly does not make sense to keep Bitcoin forever, there must come a day when we sell to make a profit, but this day varies according to the goal set by each person.

Without a doubt things are Always difficult when it comes to taking out loans and how they should be paid back, it is complicated, however, each of us knows what our Priorities are at a given moment and how it can be done when we have a good investment , 50% is a very personal decision when it reaches $100k, but remember something , I'm sure what will happen when it reaches the maximum prime of $20k, here I think that once it passes the $100k threshold Depending on the sales I think it will continue to grow in price , it will be great.

Sometimes events in life lead us to non-standard decisions and conversations about what should be done or not simply lose their meaning. People sell everything to close this problem, and it would be very stupid not to take advantage of the opportunity to sell bitcoins instead of getting some credit.
Therefore, every person must define for himself the rules, based on which he will build his financial life. :)

I may sell only 10% of my holding and I have no plan of buying back. The main reason for me deciding about selling is, diversification. Yeah, I feel like that I have more portion for bitcoin in my portfolio. Another reason would be I am planning up to set up a business which will lead me to early retirement from my day job. I wish to inherit my bitcoins to my kids hence I am careful like as small as 10% by end of next year.

There was an old meme like you never need to sell bitcoin as you can start using bitcoins. I believe into that and as of now, I am able to buy groceries for bitcoins and up to 40% of expenses can be carried out with direct bitcoin payment but sometimes bitcoin giftcards cost 10% costlier compared to what I could get by selling through P2P.