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

[Iroh]

A bear market could be said to be when the share price of a commodity continue to decline over a period of time. Unstable prices and a gradual decline in prices gets a large portion of bitcoin holders scared enough to sell off a large chunk of their assets.
In these so called “trying times”, selling off assets are encouraged and people are inclined to sell because of the unstable and/or decline in prices.

    I’m curious on your thoughts and opinions on how much bitcoin and/or fiat currency would be considered safe to hold in a bear market like the one we’re currently in.(eg:70% fiat and 30% bitcoin).
Understandably, people would have different thoughts and opinions on how much is safe to hold cause income level varies among individuals.

[1714011278]

1714011278

[1714011278]

1714011278

[Solosanz]

Currently my money mostly on Bitcoin around 70%, gold 10%, stock 5% and fiat 15%. I only use fiat money to pay daily expense and for emergency funds if I needed in hurry, if Bitcoin continue to deeper, I will sell all of my gold and stock to convert it to Bitcoin. Because it doesn't make sense for me to hold fiat for long time, we're suffering of high inflation rate and even you hold for 4 years you wouldn't earn anything.

In Bitcoin it's different and that's why I sold all to bought more Bitcoin.

[uneng]

At this point I don't know what is more risky: a bearish crypto market or fiat currencies melting purchasing power each new week you go to the supermarket. Personally I'm entirely into crypto and more specifically bitcoin, with the exception of the money I need for daily expenses, so I believe to have more than 90% in btc and less than 10% in fiat. If it's safe or not only time will tell. Life is full of uncertainties and sometimes you are surprised when you least expected in a negative or positive way. I hope to be surprised positively on this matter, with the permission of God, as soon as this bearish market is over.

I mean, at least from bitcoin you can expect something futurely, while the same can't be said regards fiat.

[Haunebu]

My portfolio:

- 30% BTC
- 10% Other cryptocurrencies
- 60% FIAT

There is absolutely no way to determine how much amount of BTC and other cryptocurrencies would be considered safe to HODL during bear markets due to the extremely volatile nature of this market.

[virtualdn]

I'd recommend keeping 90% BTC and 10% FIAT. There is really nothing worse than FIAT, even gold and silver are better. FIAT is what makes bankers happy and people miserable.

[franky1]

put it this way

you have 2 choices..(using gold analogy)
buy gold only in bull market when it is prices at $1900
or buy gold in a bear market when it is $1400

personally.. id be all in on the bear market
and sell on the bull


if you havge an influencer telling you to:
sell low buy high
buy bull sell bear
dont hold on the bear

change influencers

[GiftedMAN]

As someone who has witnessed a rise in price of bitcoin after a long bear market in the past, I decided to take advantage of  this bear season to buy more bitcoin with 60% of my savings then 40% of my savings is in fiat because fiat is mostly accepted in my region.
Am even thinking of adding my bitcoin to 70% since am holding for long period depending on when the bull run will begin as I can't continue to hold fiat that keeps depreciating everyday irrespective of the fact that the government is backing the use of it.

[Leviathan.007]

I'm currently mostly on fiat but that's against what I want, a few weeks ago when some ket support lines broke in the bitcoin market I saw that a good option to sell and buy at a cheaper price because according to the price level I bought bitcoin I got profits from it, so selling was not coming bad during that time, but right now because of the situation in my country and the inflation rate I didn't touch my long term gold investment and nearly 10% of my holding is gold and another share is mostly fiat I'm waiting for a good chance to enter the market again and maybe I will buy with more than 70% of it.

[un_rank]

I'd recommend keeping 90% BTC and 10% FIAT. There is really nothing worse than FIAT, even gold and silver are better. FIAT is what makes bankers happy and people miserable.

Do you recommend this as a general rule for investors in bitcoin?
Someone who had 90% of their worth in bitcoin before the market recent crash from the ATH would have lost over 60% of the value in a year, which could lead to serious financial crisis, especially if it is for a pressing need. Fiat losses its value as well, but bitcoin is much more volatile.

I will recommend a more reserved amount of about 20-25% in bitcoin and an average of another 35-40% in other investments, and the rest in fiat.

- Jay -

[isaac_clarke22]

~

As long as you have cash in spare, most of your "investment" should be both ETH and BTC. Call it there and never touch it for ever again until the trend reverses. Of course Bitcoin holders would not think of selling off a large chunk during these times and usually the ones that do are those we call it - panic sellers and they are quite common in here. Back then I was like one of those sellers and I learned it the hard way.

No point of selling of assets during these "trying times" you mentioned and it is even a bad idea. You know what they always say:

Sell high, buy low

[coolcoinz]

In these so called “trying times”, selling off assets are encouraged and people are inclined to sell because of the unstable and/or decline in prices.

You're not being encouraged by anyone! You do what you want.

What if Bitcoin was land and you bought it because you liked where it lies and thought holding it might be good for the future. Then suddenly some people came to you saying they'd buy it for half the price you paid for it because apparently the market price went down. Would you sell it to them? I sure wouldn't.

The thing with investment is that you must have some money to live on and some that you invest. If you feel bad because the market is down and you still have enough money, step away from it. Do something you like, have some fun, come back in 6 months to check how things are.

I currently hold more bitcoins than I had in November 2021 and whether I get a $100 or 2 from a signature campaign I add it to my portfolio. I've been doing the same thing in 2018 and 2019.

Bear markets are better time for holding bitcoin than bull markets. In a bull market you should be selling and buying in a bear market. Unfortunately most people do the opposite which is why the world is full of poor people.

[avikz]

A bear market could be said to be when the share price of a commodity continue to decline over a period of time. Unstable prices and a gradual decline in prices gets a large portion of bitcoin holders scared enough to sell off a large chunk of their assets.
In these so called “trying times”, selling off assets are encouraged and people are inclined to sell because of the unstable and/or decline in prices.

    I’m curious on your thoughts and opinions on how much bitcoin and/or fiat currency would be considered safe to hold in a bear market like the one we’re currently in.(eg:70% fiat and 30% bitcoin).
Understandably, people would have different thoughts and opinions on how much is safe to hold cause income level varies among individuals.

There's no definite answer to it as it solely depends on an individual's risk capacity. If someone has a stable income and a good amount of surplus money to invest, he might want to invest more into cryptocurrency in the bear market due to its volatility. I would personally do that if I have money. Because then I will be able to make a huge amount of profit during bull cycle. So it is really subjective and depends on the risk taking capacity of an individual.

Also one thing we need to keep in mind that never put all your eggs in one basket. Diversification is the key and we must diversify out of crypto market. Your portfolio should include gold, bond, stocks, bank deposits etc. So when one asset goes down, you can have support from other assets.

[Z-tight]

I’m curious on your thoughts and opinions on how much bitcoin and/or fiat currency would be considered safe to hold in a bear market

The bear market is for bitcoin, not bitcoin and fiat together, fiat currencies experience inflation, which has always been a problem for fiat holders.

100% of your money is safe in bitcoin in any market, bull or bear, if you the owner keeps it safe, you asked if it is safe, so that is the answer, bitcoin will not dump until it is no more, like altcoins do, the winter period may not be a good time for bitcoin holders, but the fall is only transient and the price will correct in the long run.

Despite the fact that your money is 100% safe in bitcoin, you should not invest 100% of your money in it, that is investing more than you can afford to lose, choose an amount that suits you, one that wouldn't need you to go back to your portfolio to withdraw out of it because you are now broke in real life and need some money. But as for the safety of your money, if you don't make any errors, it is certain.

[n0ne]

Just on holding in fiat we're gonna experience loss with time. It is good to hold in terms of cryptocurrency or in the form of valuables like gold. As we don't have great access to cryptocurrency all around there is a need of fiat for day to day life. So, keeping aside the required funds in the form of fiat and investing the rest in cryptocurrencies is the good choice. Being in bear market it gives us the opportunity to invest less and accumulate more holdings.

[bitcampaign]

I still hold the old thought that 1 BTC = 1 BTC, so I almost completely keep my money in BTC and other altcoins and maybe only leave 10% for fiat money and even then to buy back when the price drops again, taking as much as possible when the market is bear it is the best way to invest in crypto and earn huge profits in the long run

[rby]

30% fiat.
45% stable coins.
10% altcoins.
15% btc.

I have upto 30% in fiat because of much and multiplied responsibilities that needs to be handled and fiat is the most acceptable means of spending in my region.

The 45% in stable coins is waiting for the final signal to buy bitcoin, when I am convinced it has gotten to the bottom. But for now, I keep doing DCA from the 45% stable coins.

10% altcoins I'm holding is not purposeful, the coins dumped one me and I decided to hold.

[cabron]

After selling your assets including BTC in the start of bear market, that's all it is. No matter how much are those you will need to live with it and start budgeting til the bullrun is back again. The cost of living today is just too high because of the inflation, a reason for some staked their stablecoin on Terra

If you have a job, you don't need to spend a huge chunk of the profit and you can use the funds frugally in order to buy more coins when prices bottomed.

[franky1]

30% fiat.
45% stable coins.
10% altcoins.
15% btc.

stable coins is pretty much fiat in a different form.. so your suggesting
75% fiat and only 15% bitcoin

fiat LOSES VALUE..
hold fiat for 2 years and i guarantee you you will not be able to buy as much car fuel, bread, milk, meat, veg

during inflation holding fiat is BADDDDDD
either spend it on goods to hoard/stockpile before those goods increase in price.
or spend it by investing in other assets.. but just putting fiat value into another form of fiat value.. is just meaningless and not an investment. its just a silly way to store fiat under your mattress where said mattress is a encrypted key.. but generates you no profit

bitcoin is at this market cycles low meaning its the best price to buy compared to the rest of the market cycle and next market cycle in 2 years. so buying bitcoin now is better.. because in a couple years you will be able to buy more
car fuel, bread, milk, meat, veg

altcoins dont hold value. they are 99% pure speculative. so just ride them temporarily on the waves (buy the dip sell the hype/buy low sell high)

[AmoreJaz]

Just on holding in fiat we're gonna experience loss with time. It is good to hold in terms of cryptocurrency or in the form of valuables like gold. As we don't have great access to cryptocurrency all around there is a need of fiat for day to day life. So, keeping aside the required funds in the form of fiat and investing the rest in cryptocurrencies is the good choice. Being in bear market it gives us the opportunity to invest less and accumulate more holdings.

maybe, that idea is fine if you are already in the crypto market and have seen a lot of ups and downs in this market. but for people who are outside this market, or those people who don't know how crypto works, i am certain, they will prefer to store their extra funds in fiat or in other tangible assets like gold or real-estate properties. but i can understand if the sentiments here is to store their funds in btc if the user is very familiar with btc market. because at least they know the possible repercussions of being heavily invested in crypto.

[BIT-BENDER]

I can not understand how holding Fiat has to do with the Crypto-currency bear market, to be honest Crypto-currency isn't yet completely adopted and everyone still makes use of them, there is no way you can control the Amount of Fiat you would be needing there can always be emergencies that would make you need them.

Well the bear market is a down period in the crypto-currency space but in my own opinion holders of Bitcoin has little or no reason to worry, well except for short term holders who had intentions of gaining quickly, Bitcoin would definitely bounce back and an all time can even happen as close by as next year, so I can say anyone can hold any amount of Bitcoin that they can afford without borrowing.