Buy the DIP, and HODL!

[Black Panda]

BTC will not only rise above $100000 but is on the verge of hitting $100000+ standard. Bitcoin will rise again.

Even though we believe in the appreciating power in times of price, and we remain optimistic, let's not talk with so much certainty like we know what the price of Bitcoin will be in the next minute or coming weeks or months. Yea, it is good to be hopeful, but not to sound it like a guarantee that we are expecting the push now or soon. It may be on the verge of hitting the above figure you claimed, am not arguing that, but who knows, it might drop, it might increase, it's volatile nature makes it difficult for us to be sure about the next move. So it's just better we sound hopefully, not in assurance so you don't get newbie investors misguided as to what the price will be at any given time.

You are making a good point, people are very likely to have that absolute guarantee of investing in Bitcoin, We all know that Bitcoin have a tendency of growing and increasing and we might have a tendency of an opportunity of bullish periods, we might all know that when we have a chance of accumulating Bitcoin that should be a great opportunity of buying Bitcoin.

But investors should also understand that Bitcoin doesn’t have a guarantee, there is no guarantees of profits and there is no guarantee bull market coming immediately, well we might also experience more downturn, we might also have a bull period so actually nothing is guaranteed.

One need to be very much clear when investing in Bitcoin and if he is thinking that it will make him rich overnight than that is the wrong expectation. Instead of looking for the grantees of profits one should make a strategy so that he has more probability to end up with a great gain.

We should invest in Bitcoin but not all at once, doing the DCA will make sure that we getting the best possible price.

There is no mandatory strategy for Bitcoin investment so forget about it, in fact DCA is the most used, most popular and most available investment medium. The potential value is actually not only obtained by doing the DCA method, but also by applying other strategies, this potential price is obtained, in fact by potential price we mean the price of a small part or a small part. Which makes every investor opportunistic if they buy a fractional amount of BTC.

In short if anyone is willing to investing Bitcoin for 4 to 5 years he will definitely get very good returns

As far as I understand, there is a possibility of getting returns from long-term investments, but you can never be sure that,If someone wants to invest for four to five years, they will definitely get good results. Indeed if you hold for four to five years, you will face a bull cycle, whereby investors are fortunate enough to see an upward trend in the market that increases the value of their portfolio. Even then, one cannot be sure that investing will yield profits because the market crashes at any time, resulting in high expectations and automatic reduction in the amount of return on investment.

[Graph001]

You are making a good point, people are very likely to have that absolute guarantee of investing in Bitcoin, We all know that Bitcoin have a tendency of growing and increasing and we might have a tendency of an opportunity of bullish periods, we might all know that when we have a chance of accumulating Bitcoin that should be a great opportunity of buying Bitcoin.

But investors should also understand that Bitcoin doesn’t have a guarantee, there is no guarantees of profits and there is no guarantee bull market coming immediately, well we might also experience more downturn, we might also have a bull period so actually nothing is guaranteed.

Since nothing is guaranteed in Bitcoin investment as you explained, what's the major triggering force for all Bitcoin investors.
First and foremost you should understand Bitcoin as a volatile asset will definitely face fluntuation which was what you have explained to your level of understanding, just like the two season you mentioned that exist which is the bearish and bullish period, if you're observant, you'll understand that the price has been hovering around 9$90k plus for few days now after settling at $86k and $87k plus for some days or will I say weeks back, as this was happening many persons said, we are now in bearish season which is the downtrend and as they were saying it, the price started doing what they can't comprend, the point am trying to make now is that, we may not experience such bear as we do before, so it is better we don't look at that direction, instead I encourage us to buy with looking at those directions, that seem like a discouragement.

People who want to invest in bitcoin should increase their knowledge about its basics and uses. If you look at the data since Bitcoin appeared, every year the price has soared higher and even reached a new ATH. What if someone tells you that BTC will again surpass the previous ATH accurately? Of course everyone's mindset will change and they will become more confident about their future. So what is happening now is normal in market dynamics. So if you want to invest in Bitcoin then don't use daily finances and it will make your psychology depressed all the time.

Look, I definitely agree with you, but here's one thing: if someone wants to invest in Bitcoin, then along with increasing their knowledge, they should also improve their financial situation. Because every time the price of Bitcoin falls, it creates new ATH. If you consider it from that perspective, you will understand that with the same income, you will not be able to continue investing comfortably in the distant future or even if you can, you will not be able to profit on average. This will affect your financial situation. Moreover, the increased cost of goods due to inflation will also negatively affect your personal life. So I personally think that if someone wants to secure their future, they should increase both knowledge and income.

[Proty]

Sure, If a guy has a good investment structure and is always disciplined to stick to it, which is him buying in line with his discretionary income, building his emergency fund to cover at least 3 months of his living expenses, also building his reserve funds for cases of dip buying and whatnot, then in such case,  watching the market wouldn't in any way disrupt his investment or cause havoc to it... Being disciplined to sticking to your plan really has a way of protecting investors from any kind of unnecessary reaction whatsoever, coz any decision made wouldn't be as a result of impulse.

Should reserve fund be used in the initial stage to buy dips? We should have a stage in the backup fund and have a good plan. In the initial stage, we can go to cash flow or floating fund for any purchases or expenses. Since buying dips is not very important for us, I consider cash flow as the right fund for buying dips. When you have a cash flow shortage and you are not able to replenish the cash flow, then you can consider that time as an emergency and that can be a yellow signal of emergency. At that time, it may be a good step to find a solution to the emergency, not buying dips. It is not important that always the end of cash flow means an emergency, but rather it depends on the ability to replenish.

I don't think if there is a stage your reserves funds should reach before you can use it to buy the dip . Don't forget this is an opportunity that won't wait for anyone for there reserve funds to reach a certain stage they desire before they will buy the dip. Unless maybe they have a different view or they are thinking the market may get to there desire dip whenever there reserve funds get to whatever stage they want. There is nothing wrong in using your reserves funds for buying the dips even if it has not get to the desired stage.

[MusaPk]

It seems to me that the guys who are regularly buying bitcoin are in a better position than ones who are trying to figure out whether or not to buy (or to get excited) based on changes in the bitcoin price.

That's because we can't say with certainty which Bitcoin price is best to buy and which price is not best. From the past data available, we can get idea that buying continuously over a period of time like four years or more is best strategy. Those who are aiming for 200k Bitcoin price, it doesn't matter whether they bought Bitcoin at 120,000$ or 90,000$.  

Many times the no coiners and/or low coiners who are not in a habit of regularly buying bitcoin, they are not going to suddenly become moved into buying bitcoin, as compared with the guys where already in the habit of buying bitcoin and perhaps just changing his buy amounts and/or perhaps adding an extra purchase of BTC here and there based on the BTC price going down.  No reason to get excited.. just figure out whether to buy extra or not and if so, then how much.

I think I am one of those guys who are not bothered about spot price of Bitcoin rather I am continuously accumulating for higher regions of 250k or even higher.

If the guy is already buying $100 per week of bitcoin for the past 3 years (such as since August 2022 - your forum registration date), then he already has an average cost of BTC that is in the ballpark of $40k per coin.. So maybe he is inspired to buy more bitcoin, or maybe he just keeps up his regular buys.  Maybe he has some extra money (such as an extra $1k or $2k sitting arooung) that he can inject into bitcoin and maybe not.  

No need to regret if one hasn't bought Bitcoin weekly from the time he came to know basics of Bitcoin. Just make sure that you are continuously accumulating after you became fully aware of Bitcoin price variations.

[GIF-JOBS]

You are making a good point, people are very likely to have that absolute guarantee of investing in Bitcoin, We all know that Bitcoin have a tendency of growing and increasing and we might have a tendency of an opportunity of bullish periods, we might all know that when we have a chance of accumulating Bitcoin that should be a great opportunity of buying Bitcoin.

But investors should also understand that Bitcoin doesn’t have a guarantee, there is no guarantees of profits and there is no guarantee bull market coming immediately, well we might also experience more downturn, we might also have a bull period so actually nothing is guaranteed.

Since nothing is guaranteed in Bitcoin investment as you explained, what's the major triggering force for all Bitcoin investors.
First and foremost you should understand Bitcoin as a volatile asset will definitely face fluntuation which was what you have explained to your level of understanding, just like the two season you mentioned that exist which is the bearish and bullish period, if you're observant, you'll understand that the price has been hovering around 9$90k plus for few days now after settling at $86k and $87k plus for some days or will I say weeks back, as this was happening many persons said, we are now in bearish season which is the downtrend and as they were saying it, the price started doing what they can't comprend, the point am trying to make now is that, we may not experience such bear as we do before, so it is better we don't look at that direction, instead I encourage us to buy with looking at those directions, that seem like a discouragement.

People who want to invest in bitcoin should increase their knowledge about its basics and uses. If you look at the data since Bitcoin appeared, every year the price has soared higher and even reached a new ATH. What if someone tells you that BTC will again surpass the previous ATH accurately? Of course everyone's mindset will change and they will become more confident about their future. So what is happening now is normal in market dynamics. So if you want to invest in Bitcoin then don't use daily finances and it will make your psychology depressed all the time.

Fluctuations are a natural thing, but if you cannot accept these fluctuations as normal, then it can become very difficult to survive here. That is why it is necessary to gain knowledge about Bitcoin, it is important to have a clear idea about the history of Bitcoin, because through this you will have confidence in the future of Bitcoin, you will be able to hold Bitcoin with courage. The current changes in the market are also part of the natural trend, and it moves through fluctuations at every time. Therefore, do not panic too much, you must invest using additional or unnecessary money, so that mental stress does not increase during times of volatility. Only if you can keep yourself stable for a long time, it is possible to achieve long-term success from this.

[Grace333]

You don't need to always check the market before investing, as a long-term investor, you are to buy whenever, your discretionary income is available irrespective of the price og bitcoin.

When we want to buy or hold Bitcoin, we must know about the Bitcoin market before buying it. If we do not know how to buy Bitcoin, then if we invest in Bitcoin with a long-term plan, then we do not need to check the market too much or do not need so much verbal knowledge. However, for those who are new to Bitcoin, if they do not have a minimum idea about Bitcoin, then they will invest in Bitcoin and how to do the intended tasks of Bitcoin correctly. When the market is suitable for us to buy, we have to buy Bitcoin for long-term which is very important for our investment.

You dont need to know everything before you invest in Bitcoin. If you try to understand every single thing first, you might end up never taking that first step at all. Just having the basic idea of what you are buying and the long term vision behind it is already enough to start.

Most of us learned along the way, buying small, holding, watching the market, and picking up knowledge bit by bit. Just have a plan you are good..

[I_Anime]

Sure, If a guy has a good investment structure and is always disciplined to stick to it, which is him buying in line with his discretionary income, building his emergency fund to cover at least 3 months of his living expenses, also building his reserve funds for cases of dip buying and whatnot, then in such case,  watching the market wouldn't in any way disrupt his investment or cause havoc to it... Being disciplined to sticking to your plan really has a way of protecting investors from any kind of unnecessary reaction whatsoever, coz any decision made wouldn't be as a result of impulse.

Should reserve fund be used in the initial stage to buy dips? We should have a stage in the backup fund and have a good plan. In the initial stage, we can go to cash flow or floating fund for any purchases or expenses. Since buying dips is not very important for us, I consider cash flow as the right fund for buying dips. When you have a cash flow shortage and you are not able to replenish the cash flow, then you can consider that time as an emergency and that can be a yellow signal of emergency. At that time, it may be a good step to find a solution to the emergency, not buying dips. It is not important that always the end of cash flow means an emergency, but rather it depends on the ability to replenish.

I don't think if there is a stage your reserves funds should reach before you can use it to buy the dip . Don't forget this is an opportunity that won't wait for anyone for there reserve funds to reach a certain stage they desire before they will buy the dip. Unless maybe they have a different view or they are thinking the market may get to there desire dip whenever there reserve funds get to whatever stage they want. There is nothing wrong in using your reserves funds for buying the dips even if it has not get to the desired stage.

Yes time like this is another opportunity to buy at cheaper rate.  But the best way to make use of your reserve funds is avoiding go in all in once . You can choose to break it down like spread your purchases incase price endup going down further , Because we can’t tell how far it will dip though there have been a slight up movement lately . But still we can’t tell if it will continue to go up from there so as an investor we should be ready for anything as we accumulate using any buying method like dcaing , don’t forget that if you want a smooth investment you have to plan properly.

[Cgrexp]

You are making a good point, people are very likely to have that absolute guarantee of investing in Bitcoin, We all know that Bitcoin have a tendency of growing and increasing and we might have a tendency of an opportunity of bullish periods, we might all know that when we have a chance of accumulating Bitcoin that should be a great opportunity of buying Bitcoin.

But investors should also understand that Bitcoin doesn’t have a guarantee, there is no guarantees of profits and there is no guarantee bull market coming immediately, well we might also experience more downturn, we might also have a bull period so actually nothing is guaranteed.

Since nothing is guaranteed in Bitcoin investment as you explained, what's the major triggering force for all Bitcoin investors.
First and foremost you should understand Bitcoin as a volatile asset will definitely face fluntuation which was what you have explained to your level of understanding, just like the two season you mentioned that exist which is the bearish and bullish period, if you're observant, you'll understand that the price has been hovering around 9$90k plus for few days now after settling at $86k and $87k plus for some days or will I say weeks back, as this was happening many persons said, we are now in bearish season which is the downtrend and as they were saying it, the price started doing what they can't comprend, the point am trying to make now is that, we may not experience such bear as we do before, so it is better we don't look at that direction, instead I encourage us to buy with looking at those directions, that seem like a discouragement.

People who want to invest in bitcoin should increase their knowledge about its basics and uses. If you look at the data since Bitcoin appeared, every year the price has soared higher and even reached a new ATH. What if someone tells you that BTC will again surpass the previous ATH accurately? Of course everyone's mindset will change and they will become more confident about their future. So what is happening now is normal in market dynamics. So if you want to invest in Bitcoin then don't use daily finances and it will make your psychology depressed all the time.

Look, I definitely agree with you, but here's one thing: if someone wants to invest in Bitcoin, then along with increasing their knowledge, they should also improve their financial situation. Because every time the price of Bitcoin falls, it creates new ATH. If you consider it from that perspective, you will understand that with the same income, you will not be able to continue investing comfortably in the distant future or even if you can, you will not be able to profit on average. This will affect your financial situation. Moreover, the increased cost of goods due to inflation will also negatively affect your personal life. So I personally think that if someone wants to secure their future, they should increase both knowledge and income.

There is no need for technical analysis or complex financial skills to start investing in Bitcoin. The first step to entering the world of Bitcoin is to start. It is a mental preparation where common sense and a desire to learn play a more effective role than being overly excited about technical analysis, market charts or price changes. It is not reasonable to postpone the investment time to learn too much about Bitcoin or to gain knowledge. It is wise to start with a small amount according to your ability, understanding your limitations well. As a result, it creates an opportunity to learn through practical experience in addition to reducing risk. Bitcoin is a powerful and influential asset in today's world. Therefore, it is essential to start investing in small amounts by understanding your financial cash flow management. Because if someone starts investing without keeping a system of discretionary income, then the main source of his problem will be the weakness of the financial structure, not the fluctuations of the market. Therefore, before investing in Bitcoin, one should have a proper plan about the flow of one's income, expenses and savings. Success in investment comes through patience, self-education, and continuous efforts.  Therefore, Bitcoin should not be seen as just an investment but as a path of self-development where one can take responsibility for one's own decisions, mistakes and learning. A realistic road map for beginners in Bitcoin investing is to start small, understand your financial structure, have a learning mindset, and be patient in the long run. It is not the intricacies of technical analysis but rather common sense, financial discipline and a mindset of self-improvement that are the foundation of true success.

[NewRevelation]

. When the market is suitable for us to buy, we have to buy Bitcoin for long-term which is very important for our investment.

Waiting for a suitable time as you put it before you buy bitcoin might delay your investment journey and keep you indefinitely away from your investment. And secondly, when do you refer to as a suitable time? Is it when the bitcoin price falls, or when it's high? Bitcoin does not really have any particular timing as the price is always fluctauting, upwards and downwards, so waiting for a suitable time to start your investment might keep you out since you may not get that perfect time of yours.
It's advisable you start now so long as you are ready and have figured out your discretionary income, and you can start your investment using the DCA strategy, accumulating Bitcoin consistently at any current price and then Hodl,  since bitcoin has the ability to appreciate over the years, and of course, it has proven to be a store of value.

[Obulis]

You don't need to always check the market before investing, as a long-term investor, you are to buy whenever, your discretionary income is available irrespective of the price og bitcoin.

When we want to buy or hold Bitcoin, we must know about the Bitcoin market before buying it. If we do not know how to buy Bitcoin, then if we invest in Bitcoin with a long-term plan, then we do not need to check the market too much or do not need so much verbal knowledge. However, for those who are new to Bitcoin, if they do not have a minimum idea about Bitcoin, then they will invest in Bitcoin and how to do the intended tasks of Bitcoin correctly. When the market is suitable for us to buy, we have to buy Bitcoin for long-term which is very important for our investment.

As much as you can imagine, knowing about Bitcoin and knowing about the present Bitcoin market before purchasing are two different things.
A newbie long-term investor making use of DCA strategy does not necessarily need to check the market but need at least basic knowledge of BTC before investing.

DCA strategy do not also care about the market situation before investing. Thinking of checking the market and considering the market situation before investing is another way of talking about short-term investment by implications.

[Cossyblack]

One thing you should understand is that some people don't have patient naturally this set of people may believe much in Bitcoin and may understand or have the full knowledge that accumulating Bitcoin and holding for long term may bring good profit in the future that may change there life for good and still choose not to accumulate and hold for long term and even if they decide to accumulate and hold for long term they will end up selling their Bitcoin very quick because they don't have patient naturally and they struggle to hold, so if you are patient naturally Bitcoin investment won't be difficult for you to hold for long term, however as an impatient person what will keep you going in holding your bitcoin for long-term is when you challenge yourself and give yourself 5 to 10 years of holding as the case maybe.

Anyone who doesn't have the patient to Hodl for the Long term has no business with Bitcoin. This is simply because, Bitcoin is a long term investment, anyone who is investing in it or plans to invest must develop the skill to Hodl patiently for the long term. Market downturns often forced an investor to sell out of emotional especially if the price doesn't bounce back for a long time. However, since he is Hodl for the Long term,he wouldn't tempted to tamper with his investment or panic sells out of fear. The Pursuit for quick profits is a trader mindset, a short term strategy that often leads to early selling of Bitcoin & uncontrolled losses when trading goes wrong,which in my own perspective is gambling.

[JayJuanGee]

Should reserve fund be used in the initial stage to buy dips?

Direct answer, yes.
Because the primary reason we put reserve funds in place is to support your Bitcoin investment in what ever way, so if their is a dip buying opportunities, their is nothing wrong in using your reserve funds to buy it.

Not everyone agrees that setting money aside to buy dips is a good idea - especially for newbies who might be better off to just set a regular DCA about once a week or so.

There can be a lot of wasted time and energy to attempt to prepare and plan around dips that may or may not end up happening, and surely some newbies might not have a lot of money to work with, and so it may well be better to not divide up their investment funds and just to buy regularly without holding any money back.

A lot of guys are attracted to buying the dip, but it might not be helpful for them to be focusing on the dip rather than figuring out ways to focus on buying regularly, persistently, ongoingly, consistently and perhaps even aggressively.   Aggressive buying is done around strong finances and not around perceptions of the BTC price going up, down or sideways.

Even though guys might feel good when they "buy the dip,"  I am not much of a fan of changing buying behaviors (or level of aggressiveness) based on perceptions of the BTC price going up, down or sideways.

Since buying dips is not very important for us, I consider cash flow as the right fund for buying dips.

Do you even understand what you are saying?
What do you understand by cash flow?
Because it seems that you don't know what cash flow means.

Of course, there can be ups and downs in the amount of cashflow that might vary from week to week or month to month, so then guys might need to figure out what to do with their extra cashflows during times that the cashflow is higher.. so the three options is to consume, save  or to invest.  Truly it is discretionary how to treat such extra funds, and yeah, guys might already have systems (or priorities) in place for any of their extra funds that might come in from time to time.

There might be some guys who specifically ho regards to how to treadt ld some value back for buying on dips... so then they might have a fund that grows and grows and grows, and so each guy would have to figure out the parameters for how to treat such growing funds if those funds had been held for buying dips that may or may not end up happening.

There also could be questions about how large to allow the funds to grow in the first place, and if the fund grows to a certain size, then there could be some reconsiderations in regards to how to use such funds.

When you have a cash flow shortage and you are not able to replenish the cash flow, then you can consider that time as an emergency

You are just having a bad understanding of what cash flow is, cash flow is talking about how money is going in and out and how they are being allocated for different purposes, so try to understand that cash flow is not a fund that has been allocated to invest in Bitcoin.

I would think that guys would have certain levels of back up funds that they would not allow to shrink below a certain level unless there was an actual emergency, so then if the funds drop below a certain level, then there would be a certain amount of urgency to replenish such funds as soon as possible, but if the shortage in extra cash or the increases in expenses continue to go on, and the depleted funds are not getting replaced and/or replenished, then the level of the emergency and urgency would likely be getting higher  and higher.. so further actions might be needed.. but if a person is not able to earn more money or to cut expenses, then his level of cash cushion continues to be depleted and he might get to a point in which he is having to dip into his bitcoin since he is running out of all of his other funds...

I would imagine that guys would have systems in place to try to deal with these matters, yet surely sometimes there is no choice but to use money from the bitcoin, especially if there are no other funds that are available to draw upon. We likely don't want to get to that point, and we might have systems in place to try to avoid getting to that point, yet we might not have any choice remaining if we have depleted all of our funds to then tap into our bitcoin holdings.

By the way, if we are in our first cycle or two of investing into bitcoin it might be a BIG deal to tap into our bitcoin holdings because we are still growing it, yet if we had gotten to a point that we are already realizing that we have enough or more than enough bitcoin, then we might not be concerned if we might have to deplete our bitcoin holdings by 5% or even by 10%.. The larger our bitcoin holdings, the more cushion we have, yet it can take a long time to get to place of having enough or more than enough bitcoin.

If the guy is already buying $100 per week of bitcoin for the past 3 years (such as since August 2022 - your forum registration date), then he already has an average cost of BTC that is in the ballpark of $40k per coin.. So maybe he is inspired to buy more bitcoin, or maybe he just keeps up his regular buys.  Maybe he has some extra money (such as an extra $1k or $2k sitting arooung) that he can inject into bitcoin and maybe not.  

No need to regret if one hasn't bought Bitcoin weekly from the time he came to know basics of Bitcoin. Just make sure that you are continuously accumulating after you became fully aware of Bitcoin price variations.

I am not talking about regrets.

I am talking about a person's bitcoin buying history is going to affect his level of motivation regarding if he might continue to buy bitcoin regularly (such as weekly) versus if a guy might try to strategize to buy bitcoin on the dips (and/or whether the guy might get emotional about the dips or not).

If a guy already spent more than 3 years accumulating bitcoin at $100 per week, he might not give too many shits about if the BTC price happens to be $126k or if the BTC price happens to be $86k, and it is not even like we know in advance that the BTC price is going to change to those lower prices.  Sure, cheaper bitcoin is better than more expensive bitcoin, but since we don't know in advance where the BTC price might be going, then the difference in price still might not be enough of a difference in the BTC price in order to motivate a guy to change anything that he already has in the practice of doing (which is his weekly buys of $100 per week).

In your earlier post, you seemed to have had been describing a guy getting emotional about buying bitcoin on the dip, and I was attempting to suggest that the longer a guy is buying bitcoin regularly, then it seems that the odds become greater that he is going to be less and less emotional about the dips, since he does not know them in advance.. even though sure, it is possible that he might take the dips into account and/or tweak his BTC buying strategy during such dippening period... yet he still might ONLY have $100 available each week and if he happened to have some extra money that he could make available, he may or may not authorize himself to make additional purchases based on the dip.... especially since I had already mentioned, he is working within a framework in which he might feel that he has already accumulated a decent number of coins and his average cost per BTC is still quite a bit lower than the BTC dip price.

Why would I be talking about regrets?

The bitcoin price is what it is, no?  A guy has to decide what to do based on current circumstances rather than imagining circumstances that may or may not play out in the future.  Should the guy get excited and change what he is going to do based on the dip of the price?

Sure, If a guy has a good investment structure and is always disciplined to stick to it, which is him buying in line with his discretionary income, building his emergency fund to cover at least 3 months of his living expenses, also building his reserve funds for cases of dip buying and whatnot, then in such case,  watching the market wouldn't in any way disrupt his investment or cause havoc to it... Being disciplined to sticking to your plan really has a way of protecting investors from any kind of unnecessary reaction whatsoever, coz any decision made wouldn't be as a result of impulse.

Should reserve fund be used in the initial stage to buy dips? We should have a stage in the backup fund and have a good plan. In the initial stage, we can go to cash flow or floating fund for any purchases or expenses. Since buying dips is not very important for us, I consider cash flow as the right fund for buying dips. When you have a cash flow shortage and you are not able to replenish the cash flow, then you can consider that time as an emergency and that can be a yellow signal of emergency. At that time, it may be a good step to find a solution to the emergency, not buying dips. It is not important that always the end of cash flow means an emergency, but rather it depends on the ability to replenish.

I don't think if there is a stage your reserves funds should reach before you can use it to buy the dip . Don't forget this is an opportunity that won't wait for anyone for there reserve funds to reach a certain stage they desire before they will buy the dip. Unless maybe they have a different view or they are thinking the market may get to there desire dip whenever there reserve funds get to whatever stage they want. There is nothing wrong in using your reserves funds for buying the dips even if it has not get to the desired stage.

Yes time like this is another opportunity to buy at cheaper rate.  But the best way to make use of your reserve funds is avoiding go in all in once . You can choose to break it down like spread your purchases incase price endup going down further , Because we can’t tell how far it will dip though there have been a slight up movement lately . But still we can’t tell if it will continue to go up from there so as an investor we should be ready for anything as we accumulate using any buying method like dcaing , don’t forget that if you want a smooth investment you have to plan properly.

I still have a hard time imagining that it would be reasonable to expect more down, even after we already had a 36% correction.

Sure it could happen, but it is not a given, so maybe if we are still accumulating, we just keep buying.. and yeah, if we hold back some money for buying more dip that might not come, then we are taking chances with that money... so we can figure out the right balance if we are wanting to hold back money for buying further dips that may or may not end up happening.