What amount of fiat and/bitcoin would you consider safe holding in a bear market

[Darker45]

This is only my personal opinion, not a financial advice.

The amount that is safe to HODL in a bear market should be the same amount to HODL in a bull market, if not higher. If HODLing to you means you might end up selling during "trying times," I think you are investing more than you should. Or perhaps you've interchanged the old buy low sell high rule.

I don't agree that selling off assets are encouraged during bear market. Bear market is supposed to be for acquiring and bull market for selling. Unless badly needed and selling is the only choice left, it is really not a wise decision to sell when prices have fallen at least 70%.

[pawanjain]

Well it depends on one's holding capacity actually. I more of a risk taker and currently half of my money is in crypto.
50% of the amount is in crypto while the rest is in real estate and stocks and savings account.
But from a general perspective I think a person should be holding 30% in crypto, 30% in fiat and 40% in real estate and bonds.
This must be a better portfolio to hold on in a bear market.

[kryptqnick]

Bitcoin bear market is not of much concern. It can end rapidly, it can last an unpredictable amount of time. More importantly, Bitcoin will recover from it, so it's only temporary and only a loss if you sell during the bear market. As for the recession the global economy is entering and the inflation of many fiat currencies, that's a more concerning thing. Fiat rarely gets better after bad times. The good thing is considered when fiat starts losing less value than it used to be losing, and people normally can't expect the value to grow or to recover to pre-recession times, even. So hodling fiat can be unsafe in these times, and it's better to spend it or to hodl Bitcoin, IMO.

[justdimin]

That's actually the best course of action to do when you're waiting to get BTC in a lower price and try to DCA as fast as you can before the price bounce back up a few hundred dollars or a grand.
There a bit difference between holding a fiat and a stable coin thought they ultimately have similar value all the time, but fiat can't buy Bitcoin or any altcoin right away when you see a good entry point. With crypto's high volatility, it is possible to miss a good dip when you got a fiat converted into Btc or stablecoin.
And one last thing, I agree to both of you that keeping/saving a fiat won't save you even a few cents in the next coming years. I'd also suggest to buy properties and invest into real estate, it's safer than all of the investments in the market today. But if your risk appetite is in a tremendous level, then better invest in Bitcoin as well. 

Honestly I would not put that much on stablecoins, 45% seems a lot. I try to keep it as "income" and that's much better for me. That way I know when to invest and when to wait, and my income makes sure that I could invest a lot more if I want to, and not invest if I do not want to, makes a lot more sense.

That is what salary gives you, an unlimited amount (unless you are fired) of back to back investments, you could invest this month, but can invest in October too, then on November too, then December, so if the price is low you keep buying at lower prices. I understand putting a bit aside, so if I do not want to, I put it on stable, and invest double next month.