JJG’s Outline of Bitcoin Investment Ideas

[alankasman]

Using the aggressive approach to buy bitcoin is solely dependent on their discretionary income however not everyone get the luxury to frontload their bitcoin or adopt the aggressive approach to their accumulation and it's fine to work with your financial capability. Bitcoin was designed for everybody and both the poor aren't left out, they can still work with their capacity and investing accordingly to their financial strength provided it's coming from their discretionary income they can invest and hold for long term like every investor, the only persons who would be putting their finance in problem when they invest is those without discritionary income.

There's nothing wrong with someone approaching Bitcoin with the goal of accumulating, which can be done aggressively. This indicates that anyone can do it in any way or amount. Clearly anyone who does this prioritizes having discretionary income. This means that no matter how much income they use they won't encounter any problems. Without discretionary income they still can't do it even with various methods. Accumulating Bitcoin is certainly possible for anyone but not everyone can do it aggressively as it depends on their financial resources. Therefore if you have a small income it's better not to do it aggressively but rather to do it in a way that's easy to understand. Forcing yourself to accumulate by force will ultimately lead to problems.

[Grace333]

Backup fund is very important for long-term investment but I think it is better for the investor to start investing before the backup fund. In the beginning, investors should not take any pressure but rather an investor should start investing with a small amount of money. When an investor starts investing with a small amount of money and when he continues this investment, he will later understand that he should form an emergency fund, but he can decide to form an emergency with a part of his discretionary income.

For those whose income is relatively low, it is quite difficult to continue investing and form an emergency fund at the same time at the beginning of the investment, so investors do not need to take this pressure at the beginning, investors should only focus on continuing the investment at the beginning.

Hey mate, you have to understand that there are persons who even without investing in bitcoin they have backup funds, now this is to tell you that backup or emergency funds is not only a bitcoin risk management strategy but it applies majorly to our life and finances. It helps us to stay ready against unforseen circumstances like emergencies so we don't panic or liquidate our businesses or bitcoin investment to solve the problem. Which is why we need to start saving for backup funds immediately we hear about it along side our bitcoin investment. Here is another logic behind the reason we need to start our savings for back up funds along side our bitcoin investment from our discretionary. Imagine starting up your bitcoin investment without backup fund and after 2 week of investing $100 you encounter an emergency situation that requires $50 to solve, at this point if you don't have any spare money elsewhere, you'll be forced to make withdrawals from you bitcoin which is actually a bad move but if you had made provision for your emergency fund with same allocation as your bitcoin investment you'll have $50 worth and bitcoin and $50 worth of emergency fund to take care of the problem. As the name suggests emergency fund it ment for emergency situation and emergencies can happen to anyone anytime without giving a notice however the best we can do is to prepare ourselves so we don't make ourselves too vulnerable if it's a financial problem by saving alongside our bitcoin investment.
I like the way Frankolala split his discretionary income for investment, saving(backup fund) and discretionary consumption this method of allocation can also work fine but in my case discretionary consumption is always 20% while bitcoin investment and emergency funds take 40% each.

[The Founding Titan]

3 months worth of expenses budget for a high income earner would possibly be higher than that of a low income earner, so each of them builds according to their available discretionary income and expenses budget and an investor should not manufacture an excuse to have a weak backup fund, else he is leaving his portfolio fragile and could be tapped into if emergencies occurs.

It is true that an emergency fund provides the highest level of security for an investor's investment because when an investor has an emergency fund and when the financial need of that investor arises in an emergency, that investor can use the emergency fund to meet that financial need. But I cannot agree with your statement that a weak backup fund cannot be kept. Investment is your first priority, if you see that if you invest the amount of your discretionary income that you are getting, your money is running out, that is, you do not have any extra money, then you do not have enough opportunity to form an emergency fund, that is, at that time you have to focus only on investment. However, if an investor forms a small backup fund along with investment, then his work should still be appreciated and encouraged because even if his backup fund is small, it will definitely support his investment in some way or the other.

Again, I will say the same thing that investment is important for the investor and starting the investment step is more important. After starting the investment, the investor can try to form a backup fund gradually, but there is no problem even if it is slow.

If ever caught in a situation where you will have of choose between investing and your emergency fund then you priority as an investor should be your investment, you emergency ecan always come after that, but that doesn't mean you should ignore the idea of setting up an emergency fund, as long as you have the discretionary income available to you then it should be possible for you to invest and also save up your emergency fund and you should also strive to save up 3 months worth of your living expenses, you won't get to that point over night but you have to be intentional about it to be able to save up that much.

[Futurexxx]

Using the aggressive approach to buy bitcoin is solely dependent on their discretionary income however not everyone get the luxury to frontload their bitcoin or adopt the aggressive approach to their accumulation and it's fine to work with your financial capability. Bitcoin was designed for everybody and both the poor aren't left out, they can still work with their capacity and investing accordingly to their financial strength provided it's coming from their discretionary income they can invest and hold for long term like every investor, the only persons who would be putting their finance in problem when they invest is those without discritionary income.

There's nothing wrong with someone approaching Bitcoin with the goal of accumulating, which can be done aggressively. This indicates that anyone can do it in any way or amount. Clearly anyone who does this prioritizes having discretionary income. This means that no matter how much income they use they won't encounter any problems. Without discretionary income they still can't do it even with various methods. Accumulating Bitcoin is certainly possible for anyone but not everyone can do it aggressively as it depends on their financial resources. Therefore if you have a small income it's better not to do it aggressively but rather to do it in a way that's easy to understand. Forcing yourself to accumulate by force will ultimately lead to problems.

Wether you have a small income or not, as long as you can figure out your discretionary income from it, you can buy and invest in Bitcoin, and take note that you can still do it aggressively, as long as it's within the confinement of your discretionary income, so I don't see the problem you are talking of if you are accumulating aggressively with your discretionary income.
The only way you will have problems with your investment while accumulating aggressively is when you do it beyond your discretionary income, or you do it with money meant for any of your basic needs, that's when you will have problems with your investment, so being aggressive as a low income earner is not a bad idea if you are doing it within the confinement of your discretionary income.

[BluebloodCXVI]

Not everyone in Bitcoin operates with the same mindset, and that’s where most of the confusion comes from. There are long-term holders, cycle investors, and traders and the difference is defined by strategy, not by whether someone sells or not.
Selling during a bull market doesn’t automatically mean someone is not a Bitcoin investor. A cycle investor, for example, may deliberately accumulate in bear markets and take profits in bull markets as part of a planned approach. That is still investing just an active, cycle based strategy.

The real distinction is discipline vs emotion. Selling based on panic or hype is speculation.Selling based on a clear, pre-defined plan is investing. Even long-term Bitcoin investors who primarily hold for years may still take partial profits or rebalance when necessary. That doesn’t erase their investment mindset it reflects risk management and financial planning.

Stop misleading people by trying to twist words and use big vocabularies. Not every strategy can be referred to as investing simply because it was planned. The so-called cycle based self-acclaimed investors you’re talking about still have to depend on timing the market when they want to buy or sell and we all know that timing the market is a speculative thing wether you plan it or not. so tell me the difference between them and traders huh ?they’re practically identical and I strongly also believe that if you have to time the market before being able to decide whether to buy or not, then you’re a trader, simple.
Real investing in bitcoin is built on long term conviction, you’re not trying to outsmart any cycle like the traders do and you’re not worried about price or constantly under emotional pressure. Anything that makes you start obsessing over the idea of selling high and buying low is going to expose you to mistakes, missed runs and emotional decisions whether you admit it or not.

So the key point is simple: investing is not defined by never selling, but by having a clear strategy and sticking to it without emotional decisions.

Discipline isn’t just about following a plan to sell, sometimes the real discipline comes from not selling at all even when the market is tempting you. So no, investing is not just about having a strategy, the type of strategy also matters too and any strategy that relies on timing the market cannot be considered as investing, it’s more of speculation than true investing.

[JayJuanGee]

He should have know that when you’re selling your bitcoin all in the name of merely trading to have profits which I will suggest that it’s a desperation and negligence from the individual to keep being interested in the four years circle because I think that the four years circle doesn’t guarantee anything, and you can possibly buy and accumulate bitcoin for at least, 4 years which is one circle and it still doesn’t determine anything because they could still end up not having enough profits, we all know that bitcoin investments profit isn’t a guarantee, and it could only have a positive effect when you have been accumulating more with a high discretionary income.

For sure, even guys who are inclined towards investing can get lured into trading (or selling with an intention of buying back cheaper or even just cutting losses when there are assessments that the odds of downward BTC price moves has become high). .. So there may well be some needs for a certain amount of tolerance for guys who could get sucked into trading and even into shitcoins, even though my ongoing assertion has been that guys should try to limit their own exposure to those temptations, and surely it becomes even more problematic if they are either promoting trading/shitcoin ideas in this thread and trying to suggest they are investing, when it starts to become clear that they have greatly deviated from the thread's topic...and even guys who talk about general investing topics, and do not relate some of their ideas to my own investment ideas, they may well be deviating from the thread too.. .. since some guys will come into the thread with cookie-cutter views of investing including some of the diversification ideas that I find to be problematic for bitcoin newbies, and it can be off topic too, if going too much into talking about other investments, such as property and gold, even though I have had some tolerance to some discussions in this thread related to those comparisons of bitcoin to other assets matters.

Yes, it can actually be frustrating/ annoying to see people introduce the ideas that end up misleading newbies who are genuinely trying to learn the basic of the investment ideas, expecialy in a focused discussion thread like this. I must agree with you that  when the conversation divert to trading or promotion of other coins, it sometimes blurs the lines for newbies who may not yet understand the risks involved. However,  it's true that some folks get pulled into trading with the intention of buying back lower or even reacting emotionally by selling thier bitcoin during downturns and all these are expected since it's volatile in nature. That temptation is real and that's a total approach mistakes, especially for those without much experience.

Surely, there may be some presumptions that we might do in relation to who we expect to be investing into bitcoin and also supplementing their bitcoin investment by building their cashflow management along side of their bitcoin investment... so yeah, there may be some guys who are more distracted or lured into trading and/or shitcoins than others, and surely if they might be trying to mostly focus on bitcoin and their getting through their strengthening of their cashflow management, then they might realize that if they do get distracted by shitcoins and/or trading, then maybe at least they can limit their exposure to those activities..  Of course, another distraction these days might be bitcoin treasuries, like MSTR and related products and also the bitcoin spot ETFs, and so there can be a variety of challenges that may well include what seems to be new shitcoins.. and yeah, how much of their portfolio ends up getging lured into inferior products might be a question of self-discipline and maybe learning along the way if mistakes are made (hoping that none of the damages from the mistakes end up getting the newbies too far off track and that the newbies can at least make it through a whole cycle.. which seems that many of us might feel that we had ended up learning quite a bit about bitcoin  and bitcoin related matters if we can build our bitcoin holdings and survive through at least a whole cycle.

In my own opinion, it's far more beneficial for some folks to build thier confidence in a long-term strategy by focusing or investing on a valuable asset like bitcoin than chasing quick profits/gains, staying consistent and avoiding unnecessary distractions from any folks can make you, as bitcoin investor a big difference over time.

Both you and I might believe these things, and I tend to both proclaim it is a bad idea to get distracted into shitcoins, trading and/or bitcoin paper products, yet at the same time, if guys want to experiment, it can be hard to stop them and maybe better to suggest that they just limit their exposure to those inferior products/practices such as less than 10% the size of their bitcoin holdings.

[New Judgement]

Not everyone in Bitcoin operates with the same mindset, and that’s where most of the confusion comes from. There are long-term holders, cycle investors, and traders and the difference is defined by strategy, not by whether someone sells or not.
Selling during a bull market doesn’t automatically mean someone is not a Bitcoin investor. A cycle investor, for example, may deliberately accumulate in bear markets and take profits in bull markets as part of a planned approach. That is still investing just an active, cycle based strategy.

The real distinction is discipline vs emotion. Selling based on panic or hype is speculation.Selling based on a clear, pre-defined plan is investing. Even long-term Bitcoin investors who primarily hold for years may still take partial profits or rebalance when necessary. That doesn’t erase their investment mindset it reflects risk management and financial planning.

Stop misleading people by trying to twist words and use big vocabularies. Not every strategy can be referred to as investing simply because it was planned. The so-called cycle based self-acclaimed investors you’re talking about still have to depend on timing the market when they want to buy or sell and we all know that timing the market is a speculative thing wether you plan it or not. so tell me the difference between them and traders huh ?they’re practically identical and I strongly also believe that if you have to time the market before being able to decide whether to buy or not, then you’re a trader, simple.
Real investing in bitcoin is built on long term conviction, you’re not trying to outsmart any cycle like the traders do and you’re not worried about price or constantly under emotional pressure. Anything that makes you start obsessing over the idea of selling high and buying low is going to expose you to mistakes, missed runs and emotional decisions whether you admit it or not.

I don’t see any misleading information as you claiming, if you actually understand the words you are calling big vocabularies, you will understand that Grease500 is stating the obvious. 4 years makes up a bitcoin season and as an investor your are expected to hold your bitcoin minimum of 4 years before deciding to take partial or full profits and that’s what Grease500 is pointing out as seasoned investors. There’s a big difference between day traders and seasoned investors. A day trader buys and sells bitcoin on daily, weekly or monthly basis. While the seasoned investors spend time accumulating bitcoin during the bear season, either by dca or other methods and hold till the next circle which is bull season to partial profit or continue accumulation.

[Saltysugar99]

3 months worth of expenses budget for a high income earner would possibly be higher than that of a low income earner, so each of them builds according to their available discretionary income and expenses budget and an investor should not manufacture an excuse to have a weak backup fund, else he is leaving his portfolio fragile and could be tapped into if emergencies occurs.

It is true that an emergency fund provides the highest level of security for an investor's investment because when an investor has an emergency fund and when the financial need of that investor arises in an emergency, that investor can use the emergency fund to meet that financial need. But I cannot agree with your statement that a weak backup fund cannot be kept. Investment is your first priority, if you see that if you invest the amount of your discretionary income that you are getting, your money is running out, that is, you do not have any extra money, then you do not have enough opportunity to form an emergency fund, that is, at that time you have to focus only on investment. However, if an investor forms a small backup fund along with investment, then his work should still be appreciated and encouraged because even if his backup fund is small, it will definitely support his investment in some way or the other.

Again, I will say the same thing that investment is important for the investor and starting the investment step is more important. After starting the investment, the investor can try to form a backup fund gradually, but there is no problem even if it is slow.

If ever caught in a situation where you will have of choose between investing and your emergency fund then you priority as an investor should be your investment, you emergency ecan always come after that, but that doesn't mean you should ignore the idea of setting up an emergency fund, as long as you have the discretionary income available to you then it should be possible for you to invest and also save up your emergency fund and you should also strive to save up 3 months worth of your living expenses, you won't get to that point over night but you have to be intentional about it to be able to save up that much.

Both accumulation and backup fund formation should be given equal importance. If you want to invest financially safely, then investing without giving importance to the backup fund will become a very risky matter. If you cannot make your foundation strong from the beginning, then the entire investment process will collapse over time. And the backup fund is the foundation of investment.

If you keep buying Bitcoin with all your discretionary income, then when an emergency arises after a few days, you may have to sell Bitcoin. Even if you don't want to, you will be forced to sell Bitcoin. Generally, it is said to keep a backup fund equal to at least 3 months of expenses. But in some cases, the amount of this backup fund can also increase. Especially for those whose income is irregular and expenses are different at different times, it may be better to keep the amount of the backup fund equal to 6 months of expenses. However, there are some problems in keeping such a large amount of money in the backup fund at once. Because it has to be kept in fiat currency, if you keep such a large amount of money in fiat currency, its value will also decrease due to inflation. However, the amount of backup fund will depend on the individual's situation. Therefore, both backup fund and accumulation are important when investing in Bitcoin. Investment and backup fund should be given importance and both should be continued together. And when the backup fund is formed, then the DCA or investment amount should be increased with that part which was spending for back up fund .

[Nheer]

Both accumulation and backup fund formation should be given equal importance. If you want to invest financially safely, then investing without giving importance to the backup fund will become a very risky matter. If you cannot make your foundation strong from the beginning, then the entire investment process will collapse over time. And the backup fund is the foundation of investment.

It's true a strong foundation gives an investor peace of mind and the ability to stay consistent and in as much as it's important to have back up funds you cannot still place their importance with the investment. Your back up funds is not of the same importance as your investment even though it also plays an important role in your investment. Your investment comes first always before every other thing.
Also you don't need to build your back up funds immediately before you invest, it can be done after you start your investment by building simultaneously while investing.

[Sunshine1525]

Not everyone in Bitcoin operates with the same mindset, and that’s where most of the confusion comes from. There are long-term holders, cycle investors, and traders and the difference is defined by strategy, not by whether someone sells or not.
Selling during a bull market doesn’t automatically mean someone is not a Bitcoin investor. A cycle investor, for example, may deliberately accumulate in bear markets and take profits in bull markets as part of a planned approach. That is still investing just an active, cycle based strategy.

The real distinction is discipline vs emotion. Selling based on panic or hype is speculation.Selling based on a clear, pre-defined plan is investing. Even long-term Bitcoin investors who primarily hold for years may still take partial profits or rebalance when necessary. That doesn’t erase their investment mindset it reflects risk management and financial planning.

So the key point is simple: investing is not defined by never selling, but by having a clear strategy and sticking to it without emotional decisions.

I don't really understand you, is holding for a cycle not same thing as long-term investment? I thought long-term investing means holding for the time frame of a complete circle or beyond that. Also is trading now part of Bitcoin investment? Cause you talked about "long-term holders, cycle investors, and traders and then differentiated them by strategy, which is why I'm confused whether trading has become part of investing in Bitcoin.

Trading is another concept of it's own and shouldn't be classified under Bitcoin investment traders are not really disciplined cause they worry more about profits than achieving their goals, investors are the more disciplined ones since they are very determined to hold longer, maintain patience and achieve their aim of investing.

It's very true that investing is not defined by never selling cause at some point when overaccumulation is attained the investor can decide to sell of some portions at the appropriate time. So far, the only holder I know that's never sold is Satoshi and I feel it's for a reason but because he did so doesn't mean that's why it should be, investors are free to sell of some portions after they've attained overaccumulation.

[Muba20]

Why would you wait for the dip when you can DCA regularly using your discretionary income. As long as you have a good source of discretionary income there is no point waiting for the dip because it's will waste your time and opportunities. You should focus on accumulating consistently with your discretionary income rather than wasting your valuable time timing the market for the perfect dip you aren't sure will happen.

Anyone one who want to for wait for dip before they can invest in the Bitcoin are never ready to invest. Because the investment is not all about waiting for the dip, by the time some are there waiting for the dip those who are ready to use their discretionary funds have gone far in the investments; now like this ever since the DCA method was introduced Bitcoin investment been comes more easier than before.

Because with this DCA you can able to accumulate a Bitcoin in a short period of time without waiting for the dip before they can accumulate the Bitcoin, we only knows today but we don’t know how tomorrow will goes if we said  can wait for the dip; and things later change before then we end up of zero.

One of the interesting part about the DCA method is that it allows both people with high source of income and small source of income to accumulate provided they can figure out their discretionary income. And how small someone is accumulating doesn't really matter what matters the most is the rate at which they are accumulating I mean how consistent they are in their accumulation regardless of the small amount because consistency will help them grow in an interval they can not imagine.

In most cases, it is better to try to learn the concepts by applying them in practice. There is no guarantee that your investment will be successful because it involves implementation risk and risks associated with the underlying asset. Many of us invest in Bitcoin based on the assumption that its price will generally trend upwards over time. So if we keep pouring money into it, on average, the amount of money we invest in the future will be more than we would have invested even if we took into account the depreciation of the dollar and any other fiat currency you could use to buy Bitcoin. You can determine the timing and amount of your investment based on your own cash flow situation and the availability of funds that you feel are sufficient. So that you can invest some of it in Bitcoin.

A big advantage of DCA is that once you have the funds in your hands. you can choose how aggressive or conservative you want to be with the amount. Many people recommend investing in Bitcoin as aggressively as possible without going overboard. However, it is ultimately up to you to determine how aggressive you are and your comfort level. Even if you invest fairly conservatively. Still, over a long enough period of time, if you focus primarily on accumulating and holding Bitcoin and not trying to trade it, you will likely benefit more from investing in Bitcoin than if you did not invest in it at all. How aggressive you are depends entirely on your ability and how comfortable you are with Bitcoin and even how comfortable you are with managing your own cash flow is up to you. It is not wise to be overly aggressive if your own cash flow management methods and practices are not well-organized. Even if something goes wrong, you have enough or more than enough backup funds to handle those mistakes or to deal with any unexpected cash flow problems that arise from time to time.

[Sobz]

If ever caught in a situation where you will have of choose between investing and your emergency fund then you priority as an investor should be your investment, you emergency ecan always come after that, but that doesn't mean you should ignore the idea of setting up an emergency fund, as long as you have the discretionary income available to you then it should be possible for you to invest and also save up your emergency fund and you should also strive to save up 3 months worth of your living expenses, you won't get to that point over night but you have to be intentional about it to be able to save up that much.

Their is no need looking at which one is more important whether investment or emergency fund. As an investor you just need to understand that both investment and emergency fund are important and they have their own role to play in every investment. In investment when you are looking the other areas as something that is not too important you may completely ignore it. So, far as investment is about  planning you must look out to plan in every area and not just in only one area. You must try to make everything balanced because when you will be in need of emergency fund, if it is not their it may affect the investment and one thing about the demand for emergency fund, it is needed when you dont expect it. Irrespective of what one earns all these can be planned and also to be put into consideration.

[Obulis]

If a person has achieved the goal and if he sees that his investment is at a profitable level, he can withdraw some amount from the profit and enjoy it. But if a person wants to withdraw the entire amount or more than half of it instead of withdrawing a small amount, then this is not the right decision at all.

It is not possible to say now what the price of Bitcoin will be when he withdraws the second time. The Bitcoin market is very volatile and it is not possible to say when and under what conditions the price of Bitcoin will be. If the price of Bitcoin was 50 thousand dollars when the first time Bitcoin was sold and if it was 100 thousand dollars at the time of the second sale, then the second sale will definitely get more money.

It is entirely our responsibility to keep track of whether we have reached excess savings or not. If we take the wrong decision without being able to properly monitor or account for our investment, then it is our failure. We can understand whether we have reached the point of excess savings by looking at the date of our first purchase and what our goal was.

Well yeah, everyone has different goals when they invest in Bitcoin. Some people invest strictly for the medium term, for example, accumulating during a bear market and gradually selling off during a bull market, or when they’ve made enough profit and want to enjoy it.

Get the fuck out of here.  You are talking about trading and not investing, even though you are using the term "investing."  You are in the wrong thread if you want to talk about trading.

When these guys sell their BTC are they intending to buy back cheaper, and you even suggested that some of them might be merely taking profits.  Do you want to argue that is investing and not trading?  I am presuming that you are considering guys who might be trying to play the 4-year cycle, even though surely there can be situations in which guys might be coming into bitcoin intending to play one 4 year cycle, so they are planning to get in and out in less than 4 years, yet some of them might get stuck on the wrong side of a trade, so they might feel that they have to hold onto their bitcoin longer until it goes into sufficient profits, to the extent that they don't decide to get out "unprofitable" in order to cut their losses, since they might perceive that they have opportunities to put the money (that they had put into bitcoin) into other places in order to make up for whatever losses (or lack of profits) that they had ended up going through with bitcoin.  Do you really consider those kinds of adjustments as "investing" too?

Either a trader expressing self in a wrong place (by trying to cover up) or making use of the literal meaning of investment (investing) (like investment to mean putting in money to an asset with the goal to make gains through income or value appreciation) which is ignorance from Bitcoin stand point.
Those adjustments are key factors of traders (like, accumulating during the bear market and gradually sell during bull market). It is never investment and can't be considered as investment.
Another thing about trading is "withdrawing" which isn't the case of investment/investing.

[Jostern]

Both accumulation and backup fund formation should be given equal importance. If you want to invest financially safely, then investing without giving importance to the backup fund will become a very risky matter. If you cannot make your foundation strong from the beginning, then the entire investment process will collapse over time. And the backup fund is the foundation of investment.

It's true a strong foundation gives an investor peace of mind and the ability to stay consistent and in as much as it's important to have back up funds you cannot still place their importance with the investment. Your back up funds is not of the same importance as your investment even though it also plays an important role in your investment. Your investment comes first always before every other thing.
Also you don't need to build your back up funds immediately before you invest, it can be done after you start your investment by building simultaneously while investing.

I don’t really think that strong foundations, is a necessity for a individual investor to have a good portfolio in buying and accumulating bitcoin, personally I’m mostly interested in having a discretionary income to be able to keep buying and getting started with buying and accumulating bitcoin, and peace of mind might be very huge statement when your investment is fluctuating with the tendency of volatility nature of bitcoin, no doubt that your backup funds doesnt guarantee you anything when investing in bitcoin, you should endeavor to get started with your investment in bitcoin, and prioritize having that availability of a discretionary when getting started, before you start making plans for anything such as a backup fund.

[Joeboy]

I don’t see any misleading information as you claiming, if you actually understand the words you are calling big vocabularies, you will understand that Grease500 is stating the obvious. 4 years makes up a bitcoin season and as an investor your are expected to hold your bitcoin minimum of 4 years before deciding to take partial or full profits and that’s what Grease500 is pointing out as seasoned investors. There’s a big difference between day traders and seasoned investors. A day trader buys and sells bitcoin on daily, weekly or monthly basis. While the seasoned investors spend time accumulating bitcoin during the bear season, either by dca or other methods and hold till the next circle which is bull season to partial profit or continue accumulation.

Cycle is just 4 years and so the taking of either full or partial profits after the completion of a cycle still seems to be trading... The truth about tapping from your Bitcoins is that it can very well reduce the amount of your holding and probably the pace it would have taken you to reach your over-accumulation status.. And so it is advisable that folks keep their accumulation steady and only consider taking profits when they must have reached their Fuck You status/or Over-accumulation...

Folks that accumulate only during bear seasons and sell when bull market comes are obviously traders, and such a behavior may result in little to no portfolio/holdings at the end of that cycle.... An actual investors don't wait neither do they accumulate only during the bear season... They get to accumulate also during the bull market, irrespective of the market condition..

[Rockson1]

I don’t see any misleading information as you claiming, if you actually understand the words you are calling big vocabularies, you will understand that Grease500 is stating the obvious. 4 years makes up a bitcoin season and as an investor your are expected to hold your bitcoin minimum of 4 years before deciding to take partial or full profits and that’s what Grease500 is pointing out as seasoned investors. There’s a big difference between day traders and seasoned investors. A day trader buys and sells bitcoin on daily, weekly or monthly basis. While the seasoned investors spend time accumulating bitcoin during the bear season, either by dca or other methods and hold till the next circle which is bull season to partial profit or continue accumulation.

Even if I will agree with that someone hodling Bitcoin for 4years can be referred to as seasonal investor, I do not think 1cycle is enough for anyone to himself a long-term investment, what is 4years, it is almost impossible for an investor to say that he has reached his overstimulation within the interval of just 4years talk more hodling, which decision will anyone want to make within 4years in regards to his Bitcoin investment?
Why mentioning profit in just 4years of acumulation, must profit even come in, so it is about profit right? I want to be honest with you,  someone who years in Bitcoin is just 4 years can not call himself a long-term hodler because that just the least anyone can go and to me I think that should be referred to early stage of Bitcoin acumulation, my advice for fellow Bitcoiners is to keep acumulating Bitcoin and hodl it for long-term of about 10-more years as for talking about profit in 4years that is not a good idea or suggestion.

[Hardyrobust]

Not everyone in Bitcoin operates with the same mindset, and that’s where most of the confusion comes from. There are long-term holders, cycle investors, and traders and the difference is defined by strategy, not by whether someone sells or not.
Selling during a bull market doesn’t automatically mean someone is not a Bitcoin investor. A cycle investor, for example, may deliberately accumulate in bear markets and take profits in bull markets as part of a planned approach. That is still investing just an active, cycle based strategy.

The real distinction is discipline vs emotion. Selling based on panic or hype is speculation.Selling based on a clear, pre-defined plan is investing. Even long-term Bitcoin investors who primarily hold for years may still take partial profits or rebalance when necessary. That doesn’t erase their investment mindset it reflects risk management and financial planning.

Stop misleading people by trying to twist words and use big vocabularies. Not every strategy can be referred to as investing simply because it was planned. The so-called cycle based self-acclaimed investors you’re talking about still have to depend on timing the market when they want to buy or sell and we all know that timing the market is a speculative thing wether you plan it or not. so tell me the difference between them and traders huh ?they’re practically identical and I strongly also believe that if you have to time the market before being able to decide whether to buy or not, then you’re a trader, simple.
Real investing in bitcoin is built on long term conviction, you’re not trying to outsmart any cycle like the traders do and you’re not worried about price or constantly under emotional pressure. Anything that makes you start obsessing over the idea of selling high and buying low is going to expose you to mistakes, missed runs and emotional decisions whether you admit it or not.

I don’t see any misleading information as you claiming, if you actually understand the words you are calling big vocabularies, you will understand that Grease500 is stating the obvious. 4 years makes up a bitcoin season and as an investor your are expected to hold your bitcoin minimum of 4 years before deciding to take partial or full profits and that’s what Grease500 is pointing out as seasoned investors. There’s a big difference between day traders and seasoned investors. A day trader buys and sells bitcoin on daily, weekly or monthly basis. While the seasoned investors spend time accumulating bitcoin during the bear season, either by dca or other methods and hold till the next circle which is bull season to partial profit or continue accumulation.

I consider it trading if you only hold for 4 years. Holding bitcoin for 4 years and then begin to take profits from it , is still trading. At least two or more bitcoin cycles, anything below this is trading .
Long term investors doesn't just accumulate bitcoin only during bear season but rather they focus on consistent buying using available discretionary income. Also with DCA strategy investors don't have to wait for bear season before they can accumulate bitcoin but they can accumulate bitcoin whenever there is discretionionary income available. When an investor is targeting to buy or accumulate bitcoin during bear season then they are not longer using DCA strategy but buying the dip.

[Merit.s]

While the seasoned investors spend time accumulating bitcoin during the bear season, either by dca or other methods and hold till the next circle which is bull season to partial profit or continue accumulation.

Buying bitcoin for the sole purpose of selling during the bull run is not a good way to get the best out of your bitcoin investment because you will not benefit from the compounding profit from your bitcoin portfolio overtime and that will make you not have a significant amount of bitcoin in the future when you are no longer strong enough to work.

In bitcoin investment, the longer in are in the accumulation game and consistently, ongoingly buying bitcoin overtime the better for the growth of your bitcoin portfolio overtime. If you sell your bitcoin during the bear market, you wouldn't buy those bitcoin that you sold at the same price in the next bear market because the price will be higher.

If that's what a young bitcoin investor is after, I think he's a trader unknown to him because a lot of traders think that they're long-term investors if they buy and hodli for 4 years. Taking profits shouldn't be the main focus but accumulating as many bitcoin as you can till you reach your bitcoin target.

may be better to keep the amount of the backup fund equal to 6 months of your expenses. However, there are some problems in keeping such a large amount of money in the backup fund at once. Because it has to be kept in fiat currency, if you keep such a large amount of money in fiat currency, its value will also decrease due to inflation.

It will be a big problem for investors with low discretionary income to build up your emergency funds of six months of your monthly expenses because it will take them a year or more to build an emergency funds of at least three months of your monthly expenses which I believe is OK. No need of extending your emergency funds to six months of your monthly expenses instead put the money to add to your DCA amount and grow your bitcoin portfolio for your future because piling up too much fiat currency isn't good put it into bitcoin that appreciate in value overtime.

You can keep your emergency funds in stablecoins like USDT if your local fiat currency depreciate a lot to USDT and liquidate it whenever, a real life emergency happens. I feel it's more pratical to keep your emergency funds in your local fiat currency because you spend in your local fiat currency.

[Finebone]

I don’t see any misleading information as you claiming, if you actually understand the words you are calling big vocabularies, you will understand that Grease500 is stating the obvious. 4 years makes up a bitcoin season and as an investor your are expected to hold your bitcoin minimum of 4 years before deciding to take partial or full profits and that’s what Grease500 is pointing out as seasoned investors. There’s a big difference between day traders and seasoned investors. A day trader buys and sells bitcoin on daily, weekly or monthly basis. While the seasoned investors spend time accumulating bitcoin during the bear season, either by dca or other methods and hold till the next circle which is bull season to partial profit or continue accumulation.

Once you start focusing more on profit than getting to your over accumulation status, then I will consider you as a trader because you will never be able to hold strong as investors are used to. And I also want you to understand that holding for only four years and selling everything off is still trading your Bitcoin, because a true bitcoin investor has no business selling or taking profits from his investment when he has not gotten to his over accumulation status, so if you are tempering or selling your Bitcoin holdings when it's at the end of a circle, you are nothing but a trader that is only interested in making profit, because a real investor will not act in such a way.

[Promocodeudo]

Once you start focusing more on profit than getting to your over accumulation status, then I will consider you as a trader because you will never be able to hold strong as investors are used to. And I also want you to understand that holding for only four years and selling everything off is still trading your Bitcoin, because a true bitcoin investor has no business selling or taking profits from his investment when he has not gotten to his over accumulation status, so if you are tempering or selling your Bitcoin holdings when it's at the end of a circle, you are nothing but a trader that is only interested in making profit, because a real investor will not act in such a way.

You're right because there's no real and serious Bitcoin investment that places more priority on profit than reaching his his target except for those that are traders, traders are known for their profit hunting, that's what they try to do whatever analysis that I don't know for the purpose of their unrealistic goals and anyone that sounds in such manner should be consider himself as a trader.
It gets to me badly when I hear people talking about profit as if they have been investing and accumulating Bitcoin for a very long time, do we even need to tamper out Bitcoin as invetsors, some people think that one they make profit, the next thing is to withdraw it, if so, what is the purpose of calling oneself a real long-term investment.