Buy Buy Buy or Sell Sell Sell?

[Tungbulu]

[edited out]

Because without the thought of selling, people may likely not sell even if they’ve actually reached a state of overaccumulation, as they still keep on accumulating even if they’ve already passed the accumulation stage.

You may be correct.

There are some guys who are quite anxious to transition into selling their bitcoin.. and there are other guys who want to make sure that they have a sufficient level above overaccumulation so that they do not end up making any mistakes in regards to selling too much bitcoin too soon... or potentially to knock themselves outside of overaccumulation status.

So take the guy with a $30k per year income who might have had been accumulating bitcoin fairly aggressively for the past 10 years (since April of 2016) at $100 per week, and so over the past 10 years he invested right around $52k and he had accumulated right around 12 BTC.  He surely has enough to quit his job and to even support himself at right around $70k per year.... yet he is nervous about whether he has enough bitcoin to totally complete his job and he may or may not need to continue to accumulate bitcoin.. since even if he does not accumulate any more bitcoin, if he also does not withdraw from his stack, with the passage of time, his stack will continue to provide a higher and higher withdrawal rate possibilities and at some point he might be willing to get started to withdraw from his stash and that he may well not need to continue to stack more bitcoin.

If a similar income level guy had ONLY been stacking at $100 per week for slightly more than 6 years, and he had invested $33k, yet he had ONLY accumulated right around 1.2 BTC, then there is a BIG difference between the two guys with ONLY a 4 year difference in their stacking time.. so sometimes guys might have dilemmas, and other times, they might not have yet accumulated enough coins to really justify transitioning from accumulation into maintenance.. and maybe at some later point might start to feel able to start to withdraw from their bitcoin stash at a rate they consider to be reasonable and sustainable..

So it is difficult to know if a guy is continuing to stack because he does not know what else to do, or if he might be continuing to stack because his calculations are not establishing enough of a overaccumulation cushion to help him to feel sufficiently comfortable in changing his bitcoin accumulation practices.  In the end, I think that the stack size and some kind of a reasonable valuation should be able to help guys to figure out if they have accumulated enough bitcoin (or more than enough).

That’s quite another fair point and I agree that the shift from accumulation stage to the preservation/withdrawal stage is something that’s way more psychological than it is mathematical.

That first guy who has managed to  accumulated up to around 12 BTC is kinda already in a position where judging by the numbers alone, it’s more than okay for him to step down from accumulation, but we can’t say or assume that his hesitation doesn’t make sense or isn’t reasonable. When an investor has consistently spent years accumulating bitcoin, what this does to the investor is that his mind automatically becomes wired around scarcity and growth, and switching from that growth to spending from that accumulated stash would most likely start to make them feel as though they want to undue all that years of discipline, even when the math already says “sure, you’re good to go” they’ll still most likely wanna hesitate and would want to accumulate some more. So at this point, it’s no longer really about whether the investor can actually afford to stop accumulation (because he really can) but more about whether he actually trusts the future enough to take that step.

While the second guy in your hypothetical scenario doesn’t even have that dilemma yet, because at 1.2 BTC, the literally still in a phase where the most rational and realistic goal for him at that point is most likely to still continue staking up his sats. This is why the difference between the two investors isn’t just the time horizon but entirely the different stages of the accumulation journey. One is still trying to make up his mind whether it’s really time to start using the wealth he has spent years accumulating and possibly how to use it too while the other is basically still in the phase of accumulation where all he should be focusing on at that point is building his portfolio.

It can also get quite tricky when the investor begin to have that idea that simply waiting would make the decision a bit more easier, lol. But the reality about these two scenarios is that every market swing within that time affects their position differently.  if there’s a price surge, the position of the first guy would definitely grow even more stronger than it was. But another reality here is that the goalpost often moves with it. What may feel like Having enough at a particular point may potentially have quite the opposite feeling when the price is much higher, this is usually because, at that point there’s way more to lose. So time alone doesn’t actually resolve the hesitation, it does more than that, it can actually reinforce it.

I also think that sometimes, overaccumulation can actually turn around to become a kind of a mental trap for some investors. Inasmuch as it sounds like a solid benchmark, the truth is that it’s rarely fixed. People will always wanna keep redefining what safety really means while they should be more concerned about committing to a point where they actually begin to benefit from what they’ve built. Most of the time, the reason why some folk still feels like continuing to accumulate is no longer because they’re necessitated to do so anymore, but simply because they wanna be sure that their stack would more more than enough to deal with the discomfort of that transition.

[AuchanX]

[edited out]

Because without the thought of selling, people may likely not sell even if they’ve actually reached a state of overaccumulation, as they still keep on accumulating even if they’ve already passed the accumulation stage.

You may be correct.

There are some guys who are quite anxious to transition into selling their bitcoin.. and there are other guys who want to make sure that they have a sufficient level above overaccumulation so that they do not end up making any mistakes in regards to selling too much bitcoin too soon... or potentially to knock themselves outside of overaccumulation status.

So take the guy with a $30k per year income who might have had been accumulating bitcoin fairly aggressively for the past 10 years (since April of 2016) at $100 per week, and so over the past 10 years he invested right around $52k and he had accumulated right around 12 BTC.  He surely has enough to quit his job and to even support himself at right around $70k per year.... yet he is nervous about whether he has enough bitcoin to totally complete his job and he may or may not need to continue to accumulate bitcoin.. since even if he does not accumulate any more bitcoin, if he also does not withdraw from his stack, with the passage of time, his stack will continue to provide a higher and higher withdrawal rate possibilities and at some point he might be willing to get started to withdraw from his stash and that he may well not need to continue to stack more bitcoin.

If a similar income level guy had ONLY been stacking at $100 per week for slightly more than 6 years, and he had invested $33k, yet he had ONLY accumulated right around 1.2 BTC, then there is a BIG difference between the two guys with ONLY a 4 year difference in their stacking time.. so sometimes guys might have dilemmas, and other times, they might not have yet accumulated enough coins to really justify transitioning from accumulation into maintenance.. and maybe at some later point might start to feel able to start to withdraw from their bitcoin stash at a rate they consider to be reasonable and sustainable..

So it is difficult to know if a guy is continuing to stack because he does not know what else to do, or if he might be continuing to stack because his calculations are not establishing enough of a overaccumulation cushion to help him to feel sufficiently comfortable in changing his bitcoin accumulation practices.  In the end, I think that the stack size and some kind of a reasonable valuation should be able to help guys to figure out if they have accumulated enough bitcoin (or more than enough).

I like your 12BTC and 1.2BTC examples and this point is clear to me. Both may have bought $100 on a weekly basis, but the difference in entry period and years accumulated makes the outcome quite dramatic. Now I think for those who ask questions like, "I've been buying for a few years," I would say that this is not the end, but how much you have been able to stack and whether that stack is enough to protect or withdraw in the future.Besides,The excitement of selling without evaluating cash flow can often be misplaced.

[CageMabok]

...

Purchasing the dip isn't always about switching to trading mentality, some long term investors still look dips as opportunity to improve their average entry not as short term mindset and on risk, higher risk doesn't automatically means Loss it usually means higher volatility and big outcomes The key is whether that risk is managed properly and aligned with anybody.DCA remove emotion from the process and work well for individuals who want steady exposure without trying to time market but lump sum investment when some persons has the capacity.

Investors taking advantage of falling prices by aggressively buying is not inherently wrong, especially if they have previously purchased Bitcoin regularly without being affected by price declines. Therefore, such an approach shouldn't be considered inappropriate, as long-term investors also want to capitalize on certain moments, such as price drops, to inject larger amounts of new capital to purchase more Bitcoin during the downturn. But in general, long-term investors will clearly never abandon the DCA strategy they've used in the past under certain circumstances because it allows them to slowly move forward when buying Bitcoin and remain long-term investors, holding and accumulating as much Bitcoin as they can.

You lots are saying the same thing. Purchasing dip will be making people to wait so that they will be timing the moment to buy isn't that how trader act. The key to solve that is for new investors to quit trying to time the point of entry and just be ongoingly buying with DCa. There is no how you want to sugarcoat it, the end result of new investors who wait for the dip is that they will not always be able to ongoing increase their stack size.

Perhaps this isn't meant for new investors, but for investors who have been investing using the DCA method for a while. So I think it's appropriate, although it's not appropriate for all new investors, who generally need to get more used to buying with the DCA method initially. But when they start seeing surprising price drops in the market, it's a good idea for them to be bold and take advantage of them, even if it's not what they've been waiting for. This means that every opportunity that comes by itself must be seen as a golden opportunity and it is highly recommended to take advantage of it as quickly as possible before conditions start to change again because market conditions do not always remain stable at a certain moment.

[avp2306]

I agree with you that people often buy Bitcoin when the price is high and panic sell when it drops. The better move is to buy when the price is low and stay calm, instead of checking your balance all the time.
Success in Bitcoin comes from holding, not reacting. Be patient, ignore short-term price changes, and think long term.

I think what needs to be considered here is the purpose of the person being in bitcoin.
When they want to invest, their steps were wrong from the start because what they did was trading so they would not get anything and that happened because of their wrong decision from the start.

Those of us who intend to invest especially for the long term will not sell the assets we have bought because we realize that the decline that occurs is only temporary. So there will be no decision to sell bitcoin especially when its value depreciates.
It should be realized that from the beginning when we started deciding to invest in the long term the decline will always be considered as a natural thing because of its volatility like that especially we always realize that this temporary decline condition is always a reference for bitcoin to get an increase again in the future.

Yeah purpose matters a lot, since if they are chasing short term movements like they are doing trading. They might get frustration because they join by being misinformed when starting up.

Usually people aiming for long term didn't get easily panic when there's a dump happening. Since long term investor understand that volatility is so common and price drops is temporary happening.

Also history shows that there's always good price recovery happen even if we seen so many price declines. This is prime reason why why most of holders didn't see this as situation need to be panic, but rather an opportunity to accumulate more Bitcoins.

[red4slash]

There is a slight mistake here I think because in the end we can get both directly with the discretionary funds we have because in this case we can divide the discretionary funds into several things including funds for us to buy bitcoin while having an emergency fund.
We just need to have good management here so that we can run both without having to wait for one of them first.Fung

The emergency fund will be created when we have discretionary funds as well as for comfortable investing.
We only need to divide the discretionary funds into several parts such as 40% emergency funds, 30 percent of the remaining reserve funds to buy bitcoin if ..

I dont agree with a lot of things you said. The mindset of dividing funds first, then investing whatever is left into Bitcoin, is a big issue. Your investment approach needs to be intentional towards your goal. Emergency funds and reserve funds are in fiat, so why leave 80% of your discretionary income in fiat and 10-20% in Bitcoin? I think that's a lot of money kept in fiat that decreases in value subsequently.

3 to 4 months is enough to build your emergency funds. Once it is set, you dont need to be putting up to 40% in emergency anymore. Deduct 20% and add it to your Bitcoin accumulation percentage. So that Bitcoin becomes the primary interest after emergency funds has been sorted out. Everything else becomes secondary after emergency funds and reserve funds have been sorted out. Mind you, reserve funds are option and diversification are option. It shouldnt remove your main focus on Bitcoin.

That's just the beginning so that we can see if what we're doing is hindering or not because what I'm focusing on from the beginning here is about the beginners, when they don't have a problem then it's okay to make the situation bigger according to the strength we can invest.

My assumption here is that I don't want to be too burdensome but if they are confident enough from the start then it's fine to divide it by 100% for 3 parts equally with a choice of 33.xx% for investment and similarly with discretionary and emergency funds as they start.
Talking about the reserve fund that is getting more and more accumulated, of course this also needs adjustment and I think in this case we only need to redistribute it by excluding the emergency fund or giving a little smaller than the initial percentage.
Here we are just trying to make our investment not feel disturbed, right? So it doesn't matter if you want to put a little smaller when starting and adjust to be bigger over time.

[B-BossMan]

[edited out]

Because without the thought of selling, people may likely not sell even if they’ve actually reached a state of overaccumulation, as they still keep on accumulating even if they’ve already passed the accumulation stage.

You may be correct.

There are some guys who are quite anxious to transition into selling their bitcoin.. and there are other guys who want to make sure that they have a sufficient level above overaccumulation so that they do not end up making any mistakes in regards to selling too much bitcoin too soon... or potentially to knock themselves outside of overaccumulation status.

So take the guy with a $30k per year income who might have had been accumulating bitcoin fairly aggressively for the past 10 years (since April of 2016) at $100 per week, and so over the past 10 years he invested right around $52k and he had accumulated right around 12 BTC.  He surely has enough to quit his job and to even support himself at right around $70k per year.... yet he is nervous about whether he has enough bitcoin to totally complete his job and he may or may not need to continue to accumulate bitcoin.. since even if he does not accumulate any more bitcoin, if he also does not withdraw from his stack, with the passage of time, his stack will continue to provide a higher and higher withdrawal rate possibilities and at some point he might be willing to get started to withdraw from his stash and that he may well not need to continue to stack more bitcoin.

If a similar income level guy had ONLY been stacking at $100 per week for slightly more than 6 years, and he had invested $33k, yet he had ONLY accumulated right around 1.2 BTC, then there is a BIG difference between the two guys with ONLY a 4 year difference in their stacking time.. so sometimes guys might have dilemmas, and other times, they might not have yet accumulated enough coins to really justify transitioning from accumulation into maintenance.. and maybe at some later point might start to feel able to start to withdraw from their bitcoin stash at a rate they consider to be reasonable and sustainable..

So it is difficult to know if a guy is continuing to stack because he does not know what else to do, or if he might be continuing to stack because his calculations are not establishing enough of a overaccumulation cushion to help him to feel sufficiently comfortable in changing his bitcoin accumulation practices.  In the end, I think that the stack size and some kind of a reasonable valuation should be able to help guys to figure out if they have accumulated enough bitcoin (or more than enough).

I agree with you that a lots of guys in bitcoin space tend to fall into that accumulations phase. It's obvious that some investors don't really know what thier next steps in bitcoin investment or accumulation should be, so some keep accumulating bitcoin as usual, thinking that it's thier safest move even when they try to calculate base on thier targets, they may still feel unsafe yet, as if they haven’t actually stacking enough that will lead them to thier target or long-term goals.  That thoughts or doubts rather can truly make it hard to pause or change strategies. However, if one has already committed to investing a fixed amount of money either weekly or monthly, over time it would actually creates a clear position after a several years, when one reviewing his total amounts they hold, against thier initial goals and with the present market value should help them decide whether they have actually reached a comfortable level or even gone beyond it, at that points it becomes reasonable that one should start using some profits for a purpose instead of accumulating endlessly without directions.

[Agbam]

I agree with you that people often buy Bitcoin when the price is high and panic sell when it drops.

There's a bit truth in this comment but the bold part of your statement seems like you are trying to tell us that everyone does the same thing which of course is not true. There's no doubt, some people normally buy when the price is low and sell when it's high. Some investors even bought Bitcoin when it's high and they deliberately sell when the price start dropping, it's obvious that they don't plans on holding for long term so they get scared if the see the price drop below what the amount they bought. Some investors are scared to lose part of their money for a limited time, they dint understand that Bitcoin can't dip for a long period of time.

The reason why the bold part of your statement is wrong is because you think every investors makes the same mistakes by selling when the market starts to drop or if they just make a little profit (so you that part of your statement is wrong).
Some investors that knows what they are doing normally use DCA strategy to invest in Bitcoin, and it's obvious that those investors that uses DCA strategy don't care if the price of Bitcoin is dropping or it's increasing, all they care about is to be more consistent and hold to be more patient to invest for a long term. Well, from that bold comment it's already obvious that you do not know that investors that has a long term mentality are not emotional like the short term investors, so they don't care if the price is going down or up, all they care is to buy and accumulate for long term.

The better move is to buy when the price is low and stay calm, instead of checking your balance all the time.

Wrong mate.
It looks like you are not following up, well it's obvious because you just took us back to 2024 (from the comment you quote).
This comment is not different from dip hunting, and dip hunting is not always profitable because no one knows the perfect time for a dip. It's better to use DCA method to start buying Bitcoin because you won't have to check your portfolio all the time, what's needed is a little amount of money from your discretionary income (leftover money) then you can start buying Bitcoin.
As someone who's interested to start investing into Bitcoin, you should consider buying with low amount of money from your discretionary income. However, if as a beginner you want to wait for the dip but unfortunately it didn't go as planned, did you know know that you might be frustrated emotionally? The reason why is because let's say for instance you and someone planned on buying Bitcoin and you chose to wait for the dip and the other person get started right away but unfortunately for you Bitcoin didn't dip, you will miss good opportunities to buy Bitcoin while the other person have gotten a lot of figures on his portfolio. So I guess this explains it.

I think you have failed to understand the whole point of his statement he’s in no way suggesting everyone is doing it but a lot of people do it. There are a lot of wrong practices that’s out there.

People will be waiting for a particular dip price and when the price is going up they buy out of FOMO But they had the opportunity to buy when it was cheaper and now missed it. This creates a lacuna in their mindset cos their knowledge and focus is misplaced and the intention is only just short term… so they tend to panic when price starts dropping.

We all know or have read that it’s not good to wait for the dip before you can buy but we have to agree that buying when price is at the dip is better than buying when it’s at the peak.

The most important thing is the orientation and mindset of the investor even before he starts buying, if he’s a trader he’ll act as one.

[Bigthraex]

I agree with you that people often buy Bitcoin when the price is high and panic sell when it drops. The better move is to buy when the price is low and stay calm, instead of checking your balance all the time.
Success in Bitcoin comes from holding, not reacting. Be patient, ignore short-term price changes, and think long term.

I think what needs to be considered here is the purpose of the person being in bitcoin.
When they want to invest, their steps were wrong from the start because what they did was trading so they would not get anything and that happened because of their wrong decision from the start.

Those of us who intend to invest especially for the long term will not sell the assets we have bought because we realize that the decline that occurs is only temporary. So there will be no decision to sell bitcoin especially when its value depreciates.
It should be realized that from the beginning when we started deciding to invest in the long term the decline will always be considered as a natural thing because of its volatility like that especially we always realize that this temporary decline condition is always a reference for bitcoin to get an increase again in the future.

Bitcoin is still growing, so short term moves don’t define its real value. What matters is adoption, demand, and time in the market. Those who treat it like a long term asset and stay steady through ups and downs are more likely to benefit, while those chasing quick gains often end up making poor decisions.

[Crakryptvest]

Purchasing the dip isn't always about switching to trading mentality, some long term investors still look dips as opportunity to improve their average entry not as short term mindset and on risk, higher risk doesn't automatically means Loss it usually means higher volatility and big outcomes The key is whether that risk is managed properly and aligned with anybody.DCA remove emotion from the process and work well for individuals who want steady exposure without trying to time market but lump sum investment when some persons has the capacity.

Purchasing the dip is not what a beginner should focus on, if you're such investor that has been investing in Bitcoin for a long-term with the DCA method, you can decide to increase your buying ability during dips but you're not adviced to do something that can put your investment in danger, if you don't have the ability to buy more higher during the dip, i don't think there's any issue with that since you're still buying with the DCA method, as a bitcon investors, we must be cautious of what we do, I think there's nothing bad about buying the dip when you're and old investor that knows how to go about it using the DCA method  but not for a beginner.

[Sunshine1525]

Bitcoin is still growing, so short term moves don’t define its real value. What matters is adoption, demand, and time in the market. Those who treat it like a long term asset and stay steady through ups and downs are more likely to benefit, while those chasing quick gains often end up making poor decisions.

I noticed you're still very new here and haven't totally understand how to quote people correctly, maybe it could be an error from your ends or you were in a hurry to prove your point but you should take note so it doesn't keep reoccurring. Asides that I like this point you've made, it's clear enough to make anyone understand what you're trying to say.

Bitcoin investment would forever be a long term asset and those who chase short term gains would only regret their actions in the long run, short term gains only bring little rewards that might not be very sustainable for long term. Bitcoin grows with time that's why investors,should be patient and continue holding.

[sotelorene]

Those who sell when the price is low are traders and short time gamblers who believe they know the market and when it's not going as their plan they panic and sell in lost.
Buying bitcoin when the price is low is not a better move that's a wrong way of buying bitcoin, a new investor your focus shouldn't be on the dip but buying bitcoin steadily using the DCA strategy should be that better move because with this way you will regularly be buying bitcoin including when the price goes low, you can buy more during the dip since you will be buying at a low price and hodl for long but waiting for the price to low first is a wrong move because you don't even know when the price will go low and if you keep waiting to dip you can't stack up a good numbers of bitcoin.

Purchasing the dip isn't always about switching to trading mentality, some long term investors still look dips as opportunity to improve their average entry not as short term mindset and on risk, higher risk doesn't automatically means Loss it usually means higher volatility and big outcomes The key is whether that risk is managed properly and aligned with anybody.DCA remove emotion from the process and work well for individuals who want steady exposure without trying to time market but lump sum investment when some persons has the capacity.

You lots are saying the same thing. Purchasing dip will be making people to wait so that they will be timing the moment to buy isn't that how trader act. The key to solve that is for new investors to quit trying to time the point of entry and just be ongoingly buying with DCa. There is no how you want to sugarcoat it, the end result of new investors who wait for the dip is that they will not always be able to ongoing increase their stack size.

Anyone who is waiting or timing the market is doing it to their own detriment because the market always have a way of showing them that they were wrong for waiting and timing it. Investor with a vision on how they want their Investment to go don't and will never wait or time the market because time is of the essence that is to say that they knew and understood how valuable time can be so every opportunity we have in Bitcoin is worth to take advantage of or grab.

[Nheer]

That's just the beginning so that we can see if what we're doing is hindering or not because what I'm focusing on from the beginning here is about the beginners, when they don't have a problem then it's okay to make the situation bigger according to the strength we can invest.

My assumption here is that I don't want to be too burdensome but if they are confident enough from the start then it's fine to divide it by 100% for 3 parts equally with a choice of 33.xx% for investment and similarly with discretionary and emergency funds as they start.
Talking about the reserve fund that is getting more and more accumulated, of course this also needs adjustment and I think in this case we only need to redistribute it by excluding the emergency fund or giving a little smaller than the initial percentage.
Here we are just trying to make our investment not feel disturbed, right? So it doesn't matter if you want to put a little smaller when starting and adjust to be bigger over time.

After accumulating and building back up funds for a while at some point an investor just needs to pay attention to what's happening around him and he needs to understand how to properly allocate funds into several areas to balance things up. What matters is to consciously aware of all the areas and balancing them up in a way that will not make it unbalanced. Being aware will make you to figure out how how aggressive you can accumulate and how much you can allocate to your emergency fund when your reserve fund have reached over accumulation point. It's all about understanding that balance is not a fixed style instead it is something adjustable with time to reflect when changes come.

[Dave1]

That's just the beginning so that we can see if what we're doing is hindering or not because what I'm focusing on from the beginning here is about the beginners, when they don't have a problem then it's okay to make the situation bigger according to the strength we can invest.

My assumption here is that I don't want to be too burdensome but if they are confident enough from the start then it's fine to divide it by 100% for 3 parts equally with a choice of 33.xx% for investment and similarly with discretionary and emergency funds as they start.
Talking about the reserve fund that is getting more and more accumulated, of course this also needs adjustment and I think in this case we only need to redistribute it by excluding the emergency fund or giving a little smaller than the initial percentage.
Here we are just trying to make our investment not feel disturbed, right? So it doesn't matter if you want to put a little smaller when starting and adjust to be bigger over time.

After accumulating and building back up funds for a while at some point an investor just needs to pay attention to what's happening around him and he needs to understand how to properly allocate funds into several areas to balance things up. What matters is to consciously aware of all the areas and balancing them up in a way that will not make it unbalanced. Being aware will make you to figure out how how aggressive you can accumulate and how much you can allocate to your emergency fund when your reserve fund have reached over accumulation point. It's all about understanding that balance is not a fixed style instead it is something adjustable with time to reflect when changes come.

That is why it's important to have discretionary funds in Bitcoin investment. So that you don't need to pay attention on other matters but just continue to invest with that extra money that you have.

Because if you are using money to invest but then it should be allotted to things like payment on credit cards or bills, then you don't have a choice but at some point you will be force to withdraw your investment on Bitcoin so that you can pay those. So find first your comfort zone, and again, if you can budget in the beginning so that you will know your discretionary funds the better for you.

[Nheer]

Snip

That is why it's important to have discretionary funds in Bitcoin investment. So that you don't need to pay attention on other matters but just continue to invest with that extra money that you have.

Because if you are using money to invest but then it should be allotted to things like payment on credit cards or bills, then you don't have a choice but at some point you will be force to withdraw your investment on Bitcoin so that you can pay those. So find first your comfort zone, and again, if you can budget in the beginning so that you will know your discretionary funds the better for you.

Discretionary income is meant for investing but that doesn't mean you should invest with it all because investing without any form of back up can back fire and it will affect your investment later in future when unexpected expenses come up. So that's why the discretionary income is meant to cover your investment and back up funds so that it can protect your investment when unexpected expenses arise. Back up funds are important as well as they have their own part to play so they cannot be completely neglected, they allow you to accumulate and grow your investment without interruptions.

Also you don't necessarily need to find your comfort zone first to invest. Invest as soon as you have discretionary income when you have taken care of your necessary expenses.

[Zackz5000]

Purchasing the dip isn't always about switching to trading mentality, some long term investors still look dips as opportunity to improve their average entry not as short term mindset and on risk, higher risk doesn't automatically means Loss it usually means higher volatility and big outcomes The key is whether that risk is managed properly and aligned with anybody.DCA remove emotion from the process and work well for individuals who want steady exposure without trying to time market but lump sum investment when some persons has the capacity.

Investors taking advantage of falling prices by aggressively buying is not inherently wrong, especially if they have previously purchased Bitcoin regularly without being affected by price declines. Therefore, such an approach shouldn't be considered inappropriate, as long-term investors also want to capitalize on certain moments, such as price drops, to inject larger amounts of new capital to purchase more Bitcoin during the downturn. But in general, long-term investors will clearly never abandon the DCA strategy they've used in the past under certain circumstances because it allows them to slowly move forward when buying Bitcoin and remain long-term investors, holding and accumulating as much Bitcoin as they can.

The dip has always been a good buying time, some investor takes advantage of it and stack more Bitcoin. There is nothing wrong if an investor choose to be aggressively when accumulating Bitcoin as long as he isn't overly been over aggressive where it will have to affect his Bitcoin accumulation, there are investors who get carried away with the dip by been over aggressively using money they aren't supposed to use to accumulate Bitcoin we can consider this to be wrong.

[The Founding Titan]

Those who sell when the price is low are traders and short time gamblers who believe they know the market and when it's not going as their plan they panic and sell in lost.
Buying bitcoin when the price is low is not a better move that's a wrong way of buying bitcoin, a new investor your focus shouldn't be on the dip but buying bitcoin steadily using the DCA strategy should be that better move because with this way you will regularly be buying bitcoin including when the price goes low, you can buy more during the dip since you will be buying at a low price and hodl for long but waiting for the price to low first is a wrong move because you don't even know when the price will go low and if you keep waiting to dip you can't stack up a good numbers of bitcoin.

Purchasing the dip isn't always about switching to trading mentality, some long term investors still look dips as opportunity to improve their average entry not as short term mindset and on risk, higher risk doesn't automatically means Loss it usually means higher volatility and big outcomes The key is whether that risk is managed properly and aligned with anybody.DCA remove emotion from the process and work well for individuals who want steady exposure without trying to time market but lump sum investment when some persons has the capacity.

You lots are saying the same thing. Purchasing dip will be making people to wait so that they will be timing the moment to buy isn't that how trader act. The key to solve that is for new investors to quit trying to time the point of entry and just be ongoingly buying with DCa. There is no how you want to sugarcoat it, the end result of new investors who wait for the dip is that they will not always be able to ongoing increase their stack size.

Waiting to buy the DIP should be reserved for be veterans who have already hit the over-accumulation mark and are not under any pressure to keep accumulating bitcoin, some of them still decide to keep accumulating using the DCA, some only ever buy bitcoin when the price dips so their strategy for accumulating more bitcoin is to buy only when there is a dip, these people aren't bad investors, they are simply taking good good advantage of an opportunity that is presented tivyou

[Tongley]

Purchasing the dip is not what a beginner should focus on, if you're such investor that has been investing in Bitcoin for a long-term with the DCA method, you can decide to increase your buying ability during dips but you're not adviced to do something that can put your investment in danger, if you don't have the ability to buy more higher during the dip, i don't think there's any issue with that since you're still buying with the DCA method, as a bitcon investors, we must be cautious of what we do, I think there's nothing bad about buying the dip when you're and old investor that knows how to go about it using the DCA method  but not for a beginner.

Anyone can buy during a dip if they have faith in Bitcoin and can handle market volatility. If an old investor does not have faith in Bitcoin and cannot handle market volatility, then it will not be a good decision for him to invest. The things we need to consider to be aggressive are whether we can trust Bitcoin and handle market volatility.

Buying aggressively during a dip is a bonus for a person. An investor always takes advantage of this opportunity. But yes, in this case, a person needs to be aggressive depending on his financial situation. Many people are addicted to being aggressive or addicted to investing the necessary money and putting themselves at risk.

[Yablee0]

Anyone who is waiting or timing the market is doing it to their own detriment because the market always have a way of showing them that they were wrong for waiting and timing it.

Those that have the time waiting for the dip to come or timing the market price before they will buy are only a trader that is just after quick profits and forgetting the life time opportunity they would have secured. Furthermore the long-term investors don't have such time to waste, all  he does is to convert that same time into money by accumulating more of Bitcoin and hold till he hit up his investment target.

However, the long-term investors are always focused on the future ahead, they don't just chase what can only fix today perhaps they're more of aiming at the bigger picture that can last them till enternity. And also, waiting too long for the deep is more of losing real time opportunity that would have amount to something meaningful, therefore instead of sitting back waiting till how long, why not convert that same time you have been wasting over the years into money by investing on a long term plan, figured out a target of your choice either 5-10 years time and I will see how you would realize something tangible from it.

[Derekfunds]

Those who sell when the price is low are traders and short time gamblers who believe they know the market and when it's not going as their plan they panic and sell in lost.
Buying bitcoin when the price is low is not a better move that's a wrong way of buying bitcoin, a new investor your focus shouldn't be on the dip but buying bitcoin steadily using the DCA strategy should be that better move because with this way you will regularly be buying bitcoin including when the price goes low, you can buy more during the dip since you will be buying at a low price and hodl for long but waiting for the price to low first is a wrong move because you don't even know when the price will go low and if you keep waiting to dip you can't stack up a good numbers of bitcoin.

Purchasing the dip isn't always about switching to trading mentality, some long term investors still look dips as opportunity to improve their average entry not as short term mindset and on risk, higher risk doesn't automatically means Loss it usually means higher volatility and big outcomes The key is whether that risk is managed properly and aligned with anybody.DCA remove emotion from the process and work well for individuals who want steady exposure without trying to time market but lump sum investment when some persons has the capacity.

You lots are saying the same thing. Purchasing dip will be making people to wait so that they will be timing the moment to buy isn't that how trader act. The key to solve that is for new investors to quit trying to time the point of entry and just be ongoingly buying with DCa. There is no how you want to sugarcoat it, the end result of new investors who wait for the dip is that they will not always be able to ongoing increase their stack size.

Waiting to buy the DIP should be reserved for be veterans who have already hit the over-accumulation mark and are not under any pressure to keep accumulating bitcoin, some of them still decide to keep accumulating using the DCA, some only ever buy bitcoin when the price dips so their strategy for accumulating more bitcoin is to buy only when there is a dip, these people aren't bad investors, they are simply taking good good advantage of an opportunity that is presented tivyou

You are partially correct because someone who has gotten to overaccumulation stage doesn't necessarily need to wait for dip before accumulating because they will be using some of their investment to get other things that they consider necessary ( withdrawing some of their Bitcoin and selling to get something necessary) so due to this, they have to also be accumulating little by little with their discretionary income even though they will not be consistent as before because the dip may take long time to come.

[Jostern]

That's just the beginning so that we can see if what we're doing is hindering or not because what I'm focusing on from the beginning here is about the beginners, when they don't have a problem then it's okay to make the situation bigger according to the strength we can invest.

My assumption here is that I don't want to be too burdensome but if they are confident enough from the start then it's fine to divide it by 100% for 3 parts equally with a choice of 33.xx% for investment and similarly with discretionary and emergency funds as they start.
Talking about the reserve fund that is getting more and more accumulated, of course this also needs adjustment and I think in this case we only need to redistribute it by excluding the emergency fund or giving a little smaller than the initial percentage.
Here we are just trying to make our investment not feel disturbed, right? So it doesn't matter if you want to put a little smaller when starting and adjust to be bigger over time.

After accumulating and building back up funds for a while at some point an investor just needs to pay attention to what's happening around him and he needs to understand how to properly allocate funds into several areas to balance things up. What matters is to consciously aware of all the areas and balancing them up in a way that will not make it unbalanced. Being aware will make you to figure out how how aggressive you can accumulate and how much you can allocate to your emergency fund when your reserve fund have reached over accumulation point. It's all about understanding that balance is not a fixed style instead it is something adjustable with time to reflect when changes come.

That is why it's important to have discretionary funds in Bitcoin investment. So that you don't need to pay attention on other matters but just continue to invest with that extra money that you have.

Because if you are using money to invest but then it should be allotted to things like payment on credit cards or bills, then you don't have a choice but at some point you will be force to withdraw your investment on Bitcoin so that you can pay those. So find first your comfort zone, and again, if you can budget in the beginning so that you will know your discretionary funds the better for you.

First of all you need to have a plan with your cashflow and also have a financial plans that will make you understand how efficient you can have a Discretionary income, it’s a very bad decision making, well I believe that traders could do such things that is the only way of making investments having a discretionary income, which ever way that an individual chooses to invest outside their discretionary income that would obviously be a trading mentality, because it’s going to be seen as a way of taking a very ridiculous risk.

Having a proper check of your expenses and knowing his discretionary income is a very sensitive thing to do and try and understand how you can plan your investments plans in Bitcoin.