Buy Buy Buy or Sell Sell Sell?

[Hardyrobust]

I will always be a little strict about taking a loan. Because a loan itself is not discretionary income. Rather, a loan often creates a liability on your future income. Even if you have a loan repayment plan, a loan can sometimes put pressure on your investment. You probably know that no one knows when the price of Bitcoin will increase or decrease. On the other hand, the time to repay the loan does not wait. So no matter how much you plan to repay the loan, there is still some risk. Especially when it comes to taking a loan just hoping to get a quick result, it can be even more risky. Because perhaps then his plan is such that if the price increases, he will sell it and repay the loan. This is one of the big risks in the savings process. I am not saying that loans are completely bad for everyone. But we can make decisions after considering all aspects.

A lot of folks only focus on the possible profits and forget that a loan also comes with pressure and responsibilities, in investing especially with something as unpredictable as Bitcoin , managing risk is just a important as looking for opportunities.  patience, proper planning , and only using money one can afford to lose can make a big difference in the long term. A loan can increase one potential gains , but it can also increase one stress and risk .

That's for sure, majority are only interested in the positive impact of taking loan in other to be able to utilise opportunities that the market offers, but they failed or ignored the risk that comes with taking loan and to invest in bitcoin. Risk management should be of paramount to investors rather than trying to seize opportunities that is being offered by the market by going for a loan without taking into cognizance the risk that comes with such an action. For me investor should stick with investing with there discretionary income and they should shun the idea of wanting to take loan.

[samadam007]

the Best and easier way to go into Bitcoin investment is by investing with a part of one’s discretionary fund that way, it’ll ease you off any pressure or emotional break down when there is a dip, in the stead of panicking, you can also see the dip as a potential opportunity to stack up your stash. In another scenario, there are guys who are willing to front load there investment with a loan, I guess this may sound over aggressive to some of you, but these person might have crafted out possible ways to pay back the loan before even taking it. I know most of you will be of the opinion that, since he has possible ways of paying back the loan why not wait until the fund is available before buying Bitcoin. There might be a dip which a guy is trying to grasp the opportunity before it go away and the fund available at his disposition at that time is the amount normally used for his weekly accumulation and his emergency fund.

Note, I’m not advocating for guys that don’t have discretionary fund available to go take loan for their Bitcoin investment and don’t have means of paying back, because it’ll certainly end up badly. What I’m saying only apply to guys that have means of paying back and still proceed with their DCA consistently. Many of you will say, taking a loan for bitcoin investment isn’t worth it. It is left for a guy to choose what kind of risk that suit him.

All I see in your post is confusion.You started by saying the best and easiest way to invest in Bitcoin is with discretionary income, then later tried to justify using a loan and emergency funds to take advantage of dips.
You sound as if you know how to time the market successfully, when in reality nobody knows if that particular dip is the lowest or it will fall more. Reason why borrowing money or using an emergency fund to buy more Bitcoin is very risky idea. Having a repayment plan never remove the risk of borrowing to buy a volatile asset like BTC. Emergency funds exists to handle emergencies, not to chase investment opportunities

If your goal is long term accumulation, consistent DCA with discretionary income is already enough. There is no need to bring in debt, market timing, or use of emergency funds into the equation.

[Halifat]

I will always be a little strict about taking a loan. Because a loan itself is not discretionary income. Rather, a loan often creates a liability on your future income. Even if you have a loan repayment plan, a loan can sometimes put pressure on your investment. You probably know that no one knows when the price of Bitcoin will increase or decrease. On the other hand, the time to repay the loan does not wait. So no matter how much you plan to repay the loan, there is still some risk. Especially when it comes to taking a loan just hoping to get a quick result, it can be even more risky. Because perhaps then his plan is such that if the price increases, he will sell it and repay the loan. This is one of the big risks in the savings process. I am not saying that loans are completely bad for everyone. But we can make decisions after considering all aspects.

A lot of folks only focus on the possible profits and forget that a loan also comes with pressure and responsibilities, in investing especially with something as unpredictable as Bitcoin , managing risk is just a important as looking for opportunities.  patience, proper planning , and only using money one can afford to lose can make a big difference in the long term. A loan can increase one potential gains , but it can also increase one stress and risk .

That's for sure, majority are only interested in the positive impact of taking loan in other to be able to utilise opportunities that the market offers, but they failed or ignored the risk that comes with taking loan and to invest in bitcoin. Risk management should be of paramount to investors rather than trying to seize opportunities that is being offered by the market by going for a loan without taking into cognizance the risk that comes with such an action. For me investor should stick with investing with there discretionary income and they should shun the idea of wanting to take loan.

All those that wanted to take loan for bitcoin investment are nothing but traders, because a real investor will not go ahead to take a loan for a Bitcoin that will take more than four years of holding. I don't see any necessary thing for someone to take a loan to invest in a Bitcoin where there are many ways in which you can be able to invest without any pressure mountain on you even when the Bitcoin price is high.

I actually agree with you that every funds that will be invested in Bitcoin should be from your discretionary income if really okay you want to have a long time investment, some people are just eager with the price of Bitcoin currently and that alone should not push them to take a very wrong decision that they will regret later.

[Felicity_Tide]

All those that wanted to take loan for bitcoin investment are nothing but traders, because a real investor will not go ahead to take a loan for a Bitcoin that will take more than four years of holding. I don't see any necessary thing for someone to take a loan to invest in a Bitcoin where there are many ways in which you can be able to invest without any pressure mountain on you even when the Bitcoin price is high.

I actually agree with you that every funds that will be invested in Bitcoin should be from your discretionary income if really okay you want to have a long time investment, some people are just eager with the price of Bitcoin currently and that alone should not push them to take a very wrong decision that they will regret later.

I understand that you're trying to make a point, but i think it would be unfair to categories those who borrow for the purpose of investments as traders. Trading on it's own boils down to a whole new level of risk that is far greater than regular investment, but guess what?, it's also not advisable to borrow in both cases either. Borrowing to trade or invest has always been a No for me. And that's why I don't enjoy discussing much about anything that has to do with trading or borrowing to invest. I see them as two different things that are likely to complicate investment process for someone who doesn't want complications.

As far as I'm concerned, discretionary income is better off, since it comes from a place of comfort_{(less or no pressure)}. Borrowing to Invest, especially when such action can complicate things, is never advisable. The thing is, at the end of the day, no one understands your cash flow better than you. And that's why doing things according to your strength matters a lot.

[Moreno233]

All those that wanted to take loan for bitcoin investment are nothing but traders, because a real investor will not go ahead to take a loan for a Bitcoin that will take more than four years of holding. I don't see any necessary thing for someone to take a loan to invest in a Bitcoin where there are many ways in which you can be able to invest without any pressure mountain on you even when the Bitcoin price is high.

I actually agree with you that every funds that will be invested in Bitcoin should be from your discretionary income if really okay you want to have a long time investment, some people are just eager with the price of Bitcoin currently and that alone should not push them to take a very wrong decision that they will regret later.

If people can borrow money to build a startup company that have very high risk of failure then don't you think that someone can actually borrow to invest in Bitcoin? Let us examine the feasibilities, there are government loans that repayment can take up to 5 years after some years of moratorium, in such situation, someone can take such loans to invest in Bitcoin and hold for that 8+ years of the loan and may even begin paying back from other sources before the tenor of the loan so that the entire investment becomes your money. From records, Bitcoin have been very profitable than even most startups, hence the risk in Bitcoin is far lower. I believe that some loans are ideal for Bitcoin investment and anyone who have access to such loan should not be discourage from dreaming big with Bitcoin.

[SPIDERMAN008]

If people can borrow money to build a startup company that have very high risk of failure then don't you think that someone can actually borrow to invest in Bitcoin? Let us examine the feasibilities, there are government loans that repayment can take up to 5 years after some years of moratorium, in such situation, someone can take such loans to invest in Bitcoin and hold for that 8+ years of the loan and may even begin paying back from other sources before the tenor of the loan so that the entire investment becomes your money. From records, Bitcoin have been very profitable than even most startups, hence the risk in Bitcoin is far lower. I believe that some loans are ideal for Bitcoin investment and anyone who have access to such loan should not be discourage from dreaming big with Bitcoin.

I cannot accept your argument. Because investing in Bitcoin and taking a loan for a startup business can never be the same thing. If you start a business and everything goes as planned, then theoretically, income will continue to come from that business and with that income, loan repayment opportunities may be created, but in the case of Bitcoin, this opportunity will not be created. If you think about it now, Bitcoin is performing very well compared to the past, which means that it is not  possible to make a profit from it every month or it is not possible to guarantee several times the profit in a short time. If someone is in a situation where they can comfortably repay their loan from their normal income, have an emergency fund, reserve fund, and strong job or business cashflow, then they should still do DCA instead of buying Bitcoin with a loan and use the amount they would have been paying off in regular loan repayments.

It would not be right to refer to the idea of ​​buying Bitcoin with a loan as an ideal strategy to the general public. As a result, many people may make wrong decisions. Bitcoin accumulation should be done gradually and consistently from discretionary income. One should never make a decision by comparing investment in Bitcoin with other businesses or investments. Because the price of Bitcoin is very volatile, with large ups and downs in a short time.

[Decimetre]

All those that wanted to take loan for bitcoin investment are nothing but traders, because a real investor will not go ahead to take a loan for a Bitcoin that will take more than four years of holding. I don't see any necessary thing for someone to take a loan to invest in a Bitcoin where there are many ways in which you can be able to invest without any pressure mountain on you even when the Bitcoin price is high.

I actually agree with you that every funds that will be invested in Bitcoin should be from your discretionary income if really okay you want to have a long time investment, some people are just eager with the price of Bitcoin currently and that alone should not push them to take a very wrong decision that they will regret later.

If people can borrow money to build a startup company that have very high risk of failure then don't you think that someone can actually borrow to invest in Bitcoin? Let us examine the feasibilities, there are government loans that repayment can take up to 5 years after some years of moratorium, in such situation, someone can take such loans to invest in Bitcoin and hold for that 8+ years of the loan and may even begin paying back from other sources before the tenor of the loan so that the entire investment becomes your money. From records, Bitcoin have been very profitable than even most startups, hence the risk in Bitcoin is far lower. I believe that some loans are ideal for Bitcoin investment and anyone who have access to such loan should not be discourage from dreaming big with Bitcoin.

I disagree with this Idea of just obtaining long-term loan to make a long-term investment because it is another form of gambling. A long-term loan comes with its compound interest that counts as long as the loan would last and if you don't have an alternative plans of how to service the loan, you may get caught up along the line. Another reason is that bitcoin has no fixed expectancy that is, bitcoin has no exact amount at which it "must've attained" after a particular number of years no matter how long you have invested in it. So collecting a 10-year loan of say $x with an interesting of say y% meaning you must have to pay say $y by the end of 10 years.

Here, your loan amount, the interest rate and the duration is fixed : Your investment amount was fixed, whereas there's no fixed amount of profit for the duration which perhaps could be fixed (because you have to pay after the 10 years). Since your end result or even your capital is not assured, you may at the end of that timeframe be at loss which is not to the best interest of the investor.

Taking loan to invest in bitcoin can put unnecessary pressure on you and cause you possible losses. So when planning to take loan, also plan an alternative means of repayment because that is the only saviour you will have or better still, don't collect loan to invest, just invest within your financial strength.

[Tongley]

If people can borrow money to build a startup company that have very high risk of failure then don't you think that someone can actually borrow to invest in Bitcoin? Let us examine the feasibilities, there are government loans that repayment can take up to 5 years after some years of moratorium, in such situation, someone can take such loans to invest in Bitcoin and hold for that 8+ years of the loan and may even begin paying back from other sources before the tenor of the loan so that the entire investment becomes your money. From records, Bitcoin have been very profitable than even most startups, hence the risk in Bitcoin is far lower. I believe that some loans are ideal for Bitcoin investment and anyone who have access to such loan should not be discourage from dreaming big with Bitcoin.

Your comment is completely related to gambling. Because with debt you can invest only when you have the ability to repay the debt and when your funds are in a strong position. There is no certainty of profit from Bitcoin investment and the possibility of profiting from short-term investment is much less than long-term investment. If you invest with a term of 4 to 10 years with debt and if you have to repay your debt maybe between 3 years or 5 years, how will you repay the debt during that time.

You can take a loan only when you have the ability to repay the debt and you will not depend on the investment to repay the debt and when it will not create an obstacle between your continuous investment. For example, you took a loan depending on your financial situation and you have the ability to repay the loan and you will repay the loan by making weekly or monthly installments. If you can borrow money in this way, you can invest with debt, and if you go beyond this situation and express a desire to invest with debt, then you are not investing, but rather engaging in gambling.

[OgNasty]

The little "Saylor isn't going bankrupt" bump appears to have subsided.  We are left with nothing but lower highs as a result.  A clear indication that we are headed sub $60K in short order.  Strategy has a few big Bitcoin sales left and the price isn't going to rise until the end of those sales is on the horizon, which they aren't yet.  I'm looking for a sub-$50K Bitcoin price by October and think it is far more likely than not that we reach that target.

[Crytohillss]

The little "Saylor isn't going bankrupt" bump appears to have subsided.  We are left with nothing but lower highs as a result.  A clear indication that we are headed sub $60K in short order.  Strategy has a few big Bitcoin sales left and the price isn't going to rise until the end of those sales is on the horizon, which they aren't yet.  I'm looking for a sub-$50K Bitcoin price by October and think it is far more likely than not that we reach that target.

That's definitely a bold predictions , make market have a way of making the majority look wrong so I'm keeping on open mind if BTC does revisit those levels I see it as another opportunity rather than a reason to panic possible but betting  confidently on exact price targets months out is always risk the market tends to surprise everybody. But a lot has to go exactly as expected for that scenario to play out.

[ASloveapg]

The little "Saylor isn't going bankrupt" bump appears to have subsided.  We are left with nothing but lower highs as a result.  A clear indication that we are headed sub $60K in short order.  Strategy has a few big Bitcoin sales left and the price isn't going to rise until the end of those sales is on the horizon, which they aren't yet.  I'm looking for a sub-$50K Bitcoin price by October and think it is far more likely than not that we reach that target.

That's definitely a bold predictions , make market have a way of making the majority look wrong so I'm keeping on open mind if BTC does revisit those levels I see it as another opportunity rather than a reason to panic possible but betting  confidently on exact price targets months out is always risk the market tends to surprise everybody. But a lot has to go exactly as expected for that scenario to play out.

Especially we should not expect great results in the short term, most of the time when you are optimistic about a short-term price, most of the time you may have to fall into more disappointment, that is why we should first decide to invest with long-term thinking. We have to move forward with a long-term goal, for 8-10 years, and whatever the market situation is, we have to continue to move forward by maintaining the continuity of our investment, we have to hope in the long term, those who want to achieve success by using market fluctuations, they never get it, but rather have to face more losses.

[Sulegzy39]

I'll always be a little cautious about taking out a loan. Because the loan itself is not considered discretionary income. Rather, a loan generally creates a debt against your future earnings. Even if you have a loan repayment plan, a loan can put a strain on your investment. You are probably aware that no one can predict when the price of Bitcoin will rise or fall. On the other side, the time to repay the debt is not delayed.

So, regardless of how much you intend to repay the loan, there is still some danger. It can be especially dangerous to take out a loan in the hopes of getting a speedy outcome. Because perhaps his strategy is that if the price rises, he will sell it to repay the loan. This is one of the major hazards in the savings process. I'm not claiming that loans are absolutely harmful for everyone. However, we can make decisions after evaluating all options.

[As-Soon-As]

That's for sure, majority are only interested in the positive impact of taking loan in other to be able to utilise opportunities that the market offers, but they failed or ignored the risk that comes with taking loan and to invest in bitcoin. Risk management should be of paramount to investors rather than trying to seize opportunities that is being offered by the market by going for a loan without taking into cognizance the risk that comes with such an action. For me investor should stick with investing with there discretionary income and they should shun the idea of wanting to take loan.

People who invest in Bitcoin with loans will never be successful. You see, if you buy Bitcoin with loans today and keep it for a long time, but you need the money at a time when you don't have a backup fund. At that time, you have to give up investing in Bitcoin. The price of Bitcoin may be much lower, but you will have to pay back the money you have borrowed many times over.

In this critical time, you should make deliberate but profitable investments so that you do not have to give up Bitcoin investment, so that you never have to hesitate about Bitcoin investment. Even if your money is small, if you invest in Bitcoin according to the DCA method, your Bitcoin investment will be long-term.
And you will be able to achieve huge benefits because you will never be prevented from investing in Bitcoin due to pressure. Therefore, every person should stay away from debt, and never invest on debt, otherwise you may face danger in the middle.

[whiteblue]

The little "Saylor isn't going bankrupt" bump appears to have subsided.  We are left with nothing but lower highs as a result.  A clear indication that we are headed sub $60K in short order.  Strategy has a few big Bitcoin sales left and the price isn't going to rise until the end of those sales is on the horizon, which they aren't yet.  I'm looking for a sub-$50K Bitcoin price by October and think it is far more likely than not that we reach that target.

I think if our Bitcoin accumulation hasn't even reached 100 weeks, then a price drop is an opportunity we're hoping for, right?

So every drop is an opportunity to buy, and buy. There's no need to worry about whether Saylor will sell or not, as he needs to balance his balance sheets.

Therefore, forget Saylor, let's focus on buying with a DCA strategy. Let the rich play the news, while we play a more routine Bitcoin accumulation according to our respective plans.

[Bd officer]

So, regardless of how much you intend to repay the loan, there is still some danger. It can be especially dangerous to take out a loan in the hopes of getting a speedy outcome. Because perhaps his strategy is that if the price rises, he will sell it to repay the loan. This is one of the major hazards in the savings process. I'm not claiming that loans are absolutely harmful for everyone. However, we can make decisions after evaluating all options.

This is definitely not a good plan because no one knows when the price of Bitcoin will increase. What will he do if he fails to repay the loan on time? He may have to sell BTC at a loss to repay the loan. So I would not recommend anyone to invest in Bitcoin by taking a loan. The bottom line is that Bitcoin investing does not work like this so if you want to invest in Bitcoin then you have to plan for the long term. So do not put yourself in danger by taking a loan to buy BTC so try to accumulate BTC slowly using the DCA strategy with your discretionary income.

[JayJuanGee]

All those that wanted to take loan for bitcoin investment are nothing but traders, because a real investor will not go ahead to take a loan for a Bitcoin that will take more than four years of holding. I don't see any necessary thing for someone to take a loan to invest in a Bitcoin where there are many ways in which you can be able to invest without any pressure mountain on you even when the Bitcoin price is high.

I actually agree with you that every funds that will be invested in Bitcoin should be from your discretionary income if really okay you want to have a long time investment, some people are just eager with the price of Bitcoin currently and that alone should not push them to take a very wrong decision that they will regret later.

If people can borrow money to build a startup company that have very high risk of failure then don't you think that someone can actually borrow to invest in Bitcoin? Let us examine the feasibilities, there are government loans that repayment can take up to 5 years after some years of moratorium, in such situation, someone can take such loans to invest in Bitcoin and hold for that 8+ years of the loan and may even begin paying back from other sources before the tenor of the loan so that the entire investment becomes your money. From records, Bitcoin have been very profitable than even most startups, hence the risk in Bitcoin is far lower. I believe that some loans are ideal for Bitcoin investment and anyone who have access to such loan should not be discourage from dreaming big with Bitcoin.

I disagree with this Idea of just obtaining long-term loan to make a long-term investment because it is another form of gambling. A long-term loan comes with its compound interest that counts as long as the loan would last and if you don't have an alternative plans of how to service the loan, you may get caught up along the line. Another reason is that bitcoin has no fixed expectancy that is, bitcoin has no exact amount at which it "must've attained" after a particular number of years no matter how long you have invested in it. So collecting a 10-year loan of say $x with an interesting of say y% meaning you must have to pay say $y by the end of 10 years.

Here, your loan amount, the interest rate and the duration is fixed: Your investment amount was fixed, whereas there's no fixed amount of profit for the duration which perhaps could be fixed (because you have to pay after the 10 years). Since your end result or even your capital is not assured, you may at the end of that timeframe be at loss which is not to the best interest of the investor.

Taking loan to invest in bitcoin can put unnecessary pressure on you and cause you possible losses. So when planning to take loan, also plan an alternative means of repayment because that is the only saviour you will have or better still, don't collect loan to invest, just invest within your financial strength.

Many times it is hard to get a loan that has terms that last more than 4 years, and frequently they require a certain payment amount on a monthly basis, so the outstanding amount does not compound upon itself, since payments are likely being made every month.  So if the loan is 10 years, then the whole amount might be paid at the end of the 10 years, or maybe there is a balloon payment at the end of the loan period in which perhaps half or more of the loan's principle might have had been already paid by the end of the period.

The little "Saylor isn't going bankrupt" bump appears to have subsided.  We are left with nothing but lower highs as a result.  A clear indication that we are headed sub $60K in short order.  Strategy has a few big Bitcoin sales left and the price isn't going to rise until the end of those sales is on the horizon, which they aren't yet.  I'm looking for a sub-$50K Bitcoin price by October and think it is far more likely than not that we reach that target.

I think if our Bitcoin accumulation hasn't even reached 100 weeks, then a price drop is an opportunity we're hoping for, right?

So every drop is an opportunity to buy, and buy. There's no need to worry about whether Saylor will sell or not, as he needs to balance his balance sheets.

Therefore, forget Saylor, let's focus on buying with a DCA strategy. Let the rich play the news, while we play a more routine Bitcoin accumulation according to our respective plans.

100 weeks is about 2 years.

Are you trying to proclaim that you @whiteblue have only been accumulating bitcoin for less than 2 years even though you have a forum registration date that goes back to June 2014?

There are a lot of guys who are still in their early bitcoin accumulation stages, and for sure they should not be fucking around with strategies that might impair their ongoing bitcoin accumulation.

There have been many times in bitcoin's history where guys were calling for significantly lower bitcoin prices by a certain date, and those predictions ended up being incorrect.  I doubt that guys in their bitcoin accumulation phase are advantaged by waiting rather than ongoingly buying bitcoin, especially when we cannot know whether such a dip will happen in terms of either the extent or the timeline. 

There are some guys who will DCA with a portion of their available money, such as 80% and then they will just hold off on the other portion, such as 20%, and then the 20% is building up with the passage of time, so they are still left with a bit of a dilemma regarding under what circumstances to deploy the part that had been building up. 

These are not easy choices, which may be part of the reason that many guys in their early accumulation stage remain focused on ongoing accumulation and buying of bitcoin rather than trying to figure out whether or not dips are going to happen, and if the dips end up happening, then they just continue to buy within their DCA budget, whether those DCA buys are weekly or on some other timeline.  I personally like weekly buys, yet even with weekly buys it still can be difficult to time dips, even if guys might manually deploy weekly buys and try to identify dips within each of the weekly buys.

[Biggeno]

the Best and easier way to go into Bitcoin investment is by investing with a part of one’s discretionary fund that way, it’ll ease you off any pressure or emotional break down when there is a dip, in the stead of panicking, you can also see the dip as a potential opportunity to stack up your stash. In another scenario, there are guys who are willing to front load there investment with a loan, I guess this may sound over aggressive to some of you, but these person might have crafted out possible ways to pay back the loan before even taking it. I know most of you will be of the opinion that, since he has possible ways of paying back the loan why not wait until the fund is available before buying Bitcoin. There might be a dip which a guy is trying to grasp the opportunity before it go away and the fund available at his disposition at that time is the amount normally used for his weekly accumulation and his emergency fund.

Note, I’m not advocating for guys that don’t have discretionary fund available to go take loan for their Bitcoin investment and don’t have means of paying back, because it’ll certainly end up badly. What I’m saying only apply to guys that have means of paying back and still proceed with their DCA consistently. Many of you will say, taking a loan for bitcoin investment isn’t worth it. It is left for a guy to choose what kind of risk that suit him.

All I see in your post is confusion.You started by saying the best and easiest way to invest in Bitcoin is with discretionary income, then later tried to justify using a loan and emergency funds to take advantage of dips.
You sound as if you know how to time the market successfully, when in reality nobody knows if that particular dip is the lowest or it will fall more. Reason why borrowing money or using an emergency fund to buy more Bitcoin is very risky idea. Having a repayment plan never remove the risk of borrowing to buy a volatile asset like BTC. Emergency funds exists to handle emergencies, not to chase investment opportunities

If your goal is long term accumulation, consistent DCA with discretionary income is already enough. There is no need to bring in debt, market timing, or use of emergency funds into the equation.

You left out the content of what I’m trying to portray and decide to understand it your own way, every one into Bitcoin investment has it in mind that they’re taking a risk one way or the other and their approach to Bitcoin is diverse, like you said, I’m trying to justify using discretionary fund for investment, which is one of the best approach to Bitcoin investment.

When next you quote try to understand the context of what is written before dropping any reply, I never said a guy should try to outsmart the market or trying to monitor and/or wait on the dip before accumulation, as we all know Bitcoin is a highly volatile assets, I said, if there’s a dip recent dip and a guy is determined to utilize the dip, as the opportunity to accumulate more Bitcoin at a lesser price, but he doesn’t have enough cash at his disposition to buy Bitcoin for the main time, taking an amount of loan he knows it’s within he’s capacity of paying back is an option to utilize.

Before you quote me wrong again, I said, as long as it’s within his capability of paying back the loan

[Razmirraz]

That's for sure, majority are only interested in the positive impact of taking loan in other to be able to utilise opportunities that the market offers, but they failed or ignored the risk that comes with taking loan and to invest in bitcoin. Risk management should be of paramount to investors rather than trying to seize opportunities that is being offered by the market by going for a loan without taking into cognizance the risk that comes with such an action. For me investor should stick with investing with there discretionary income and they should shun the idea of wanting to take loan.

All those that wanted to take loan for bitcoin investment are nothing but traders, because a real investor will not go ahead to take a loan for a Bitcoin that will take more than four years of holding. I don't see any necessary thing for someone to take a loan to invest in a Bitcoin where there are many ways in which you can be able to invest without any pressure mountain on you even when the Bitcoin price is high.

That is the most obvious difference between a Trader and an Investor. Traders want to make profits in a short time, while investors think about "how to avoid bankruptcy in the next 10 years".
Relying on borrowed money to allocate to Bitcoin is the first step of a mistake that someone makes because the Timeframe is not suitable, borrowed money has a maturity date. At least, it takes 4 years to ensure no loss in Bitcoin (1 halving cycle). It is very unreasonable to borrow money for 1 year to put it in a safe asset in the fourth year, it is clear that the logic does not connect because this action is the same as borrowing an umbrella for 1 hour in the dry season.

There are actually many ways to invest in Bitcoin without stress, get used to DCA even if the amount is small, sell idle assets and apply most of the bonuses from the workplace to increase the purchase amount. True investors prioritize patience and avoid too much drama when investing. They don't show off 100x leverage. What they show off is "I've been doing DCA for 5 years and never broke my emergency fund."

[Barikui1]

I'll always be a little cautious about taking out a loan. Because the loan itself is not considered discretionary income. Rather, a loan generally creates a debt against your future earnings. Even if you have a loan repayment plan, a loan can put a strain on your investment. You are probably aware that no one can predict when the price of Bitcoin will rise or fall. On the other side, the time to repay the debt is not delayed.

So, regardless of how much you intend to repay the loan, there is still some danger. It can be especially dangerous to take out a loan in the hopes of getting a speedy outcome. Because perhaps his strategy is that if the price rises, he will sell it to repay the loan. This is one of the major hazards in the savings process. I'm not claiming that loans are absolutely harmful for everyone. However, we can make decisions after evaluating all options.

Talking about the bold words in your statement, I think that it's one of the worst decisions any Bitcoin investor will ever make because when you take a loan to invest in Bitcoin with the hopes of repaying it back once Bitcoin appreciate in value, it shows that their is no proper repayment plan, and if the price of Bitcoin is down and the repayment date is at hand, such person will sell at a loss by force just because he want to pay back the loan he took, which is absolutely wrong.

That is why I believe that it's important that before an experience investor should think of taking a loan to front load his Bitcoin investment, he should be sure that his ability to pay back should not be reliant on the final outcome of his Bitcoin investment, but if you have other means of repaying it back without troubles, then it's not a totally bad idea.

As for newbies investors, they should never consider such regardless of their ability to repay back the loan, instead they should focus more on figuring out their discretionary income to invest with, since it's what they can lose without them falling in deeper shit.

[Gragebox]

This is definitely not a good plan because no one knows when the price of Bitcoin will increase. What will he do if he fails to repay the loan on time? He may have to sell BTC at a loss to repay the loan. So I would not recommend anyone to invest in Bitcoin by taking a loan. The bottom line is that Bitcoin investing does not work like this so if you want to invest in Bitcoin then you have to plan for the long term. So do not put yourself in danger by taking a loan to buy BTC so try to accumulate BTC slowly using the DCA strategy with your discretionary income.

Borrowing money to purchase Bitcoin is an additional burden, considering that the market is highly uncertain. Even if one firmly believes that Bitcoin will appreciate a great deal in the future, no one is able to predict when the next significant price rise will come. In case the date of loan repayment comes within the down period, the investor may have to liquidate their investment even at a loss in order to repay the debt, which contradicts the concept of investing in the first place. Borrowing additionally adds up to stress, which is never beneficial for investment decisions. The far better option is to invest all the funds that one is ready to keep in Bitcoin for many years to come. Dollar Cost Averaging strategy with discretionary funds provides an opportunity to grow one’s Bitcoin portfolio without being affected by price fluctuations.

There are some guys who will DCA with a portion of their available money, such as 80% and then they will just hold off on the other portion, such as 20%, and then the 20% is building up with the passage of time, so they are still left with a bit of a dilemma regarding under what circumstances to deploy the part that had been building up. 

These are not easy choices, which may be part of the reason that many guys in their early accumulation stage remain focused on ongoing accumulation and buying of bitcoin rather than trying to figure out whether or not dips are going to happen, and if the dips end up happening, then they just continue to buy within their DCA budget, whether those DCA buys are weekly or on some other timeline.  I personally like weekly buys, yet even with weekly buys it still can be difficult to time dips, even if guys might manually deploy weekly buys and try to identify dips within each of the weekly buys.

You raise one of the toughest issues that Bitcoin investors have to consider the issue of knowing when to use the reserved cash. The majority of investors keep 20% or 30% of their money hoping to get a major crash, but the problem is that markets don’t follow any logic and sometimes do the opposite of what you expect. The problem is that waiting too long might lead you to miss months of buying time, and buying too early might leave you with nothing to buy during the crash. That is the reason why so many long-term investors prefer accumulating Bitcoins over being smart about the market. Using DCA weekly gives you more stability and takes away pressure about making the right decision at the right time. Personally, I would suggest doing both regular DCA and having an emergency buying fund as long as it won’t prevent you from following your usual schedule.