Does the DCA strategy inspire newbies to invest?

[cocadalcan]

I don't think waiting for a bear market is really DCA because that is more like trying to time the market and hoping you can identify or predict  perfect time when bitcoin dip.

You are getting it wrong. You can begin to DCA at anytime time. If you wait for the time bitcoin price has fallen and you begin to buy bitcoin like weekly or monthly (but I recommend weekly), that is what DCA is. Even if it is during bull run, as long as you are buying the coin at a specific time like weekly, it is called DCA.

I'm finding it tough to understand what you mean, you talked about waiting for when Bitcoin price falls, then said you prefer buying weekly and termed it DCA, it’s confusing even though I'm trying to connect some dots so I'll get a clear understanding of what you mean
 
I don't know if it's a typo error from your ends but if what you meant is tbat people need to wait for the price to fall before DCAing then you're wrong cause the DCA doesn't require waiting for Bitcoin to fall before buying but buying consistently.

Well the interval at which people buy differs, while some can comfortably buy at weekly bases while some monthly and there are times when some can buy daily cause they have the capacity to but buying daily is not common with everyone the most common are weekly and monthly buying.

I agree with you, the DCA does not support market timing especially when it involves waiting for a price drop before buying bitcoin. If that happens then it automatically means buying the dip strategy. The core purpose of the DCA will be defeated if investors apply market timing and waiting for a lower price before buying so for an effective DCA strategy what matters most is to continue buying no matter the price whenever the discretionary income is available.

The main idea of ​​the buy the dip strategy is that you should start accumulating Bitcoin today before the price increases significantly. Some people do not understand the meaning of the word buy the dip. Do not wait for the DIP price to buy Bitcoin. If you have discretionary income at the end of the week, start accumulating Bitcoin using the DCA method. Before the price reaches a high point. If you decide to compete with the market price and buy Bitcoin, it will not be advisable because the market will always be volatile. If you do DCA regularly, you will have to keep buying Bitcoin no matter what the price is and this is the best investment method. This means accumulating Bitcoin regularly along with analyzing the market and practicing patience to grow your Bitcoin holdings.

[Promocodeudo]

As an investor it is important to note that nobody should feel too relaxed of not having an emergency soon, because the need might arise at any time, it is better when you decide to start investing, stick to an amount that will be very convenient for you while still having extra funds with you for emergencies or future needs, that wouldn’t  cause you tampering with your investments. You must not start big, what is most important is using a flexible amount that you can be consistent with in order to be able to accumulate a good amount of bitcoin.

Being reluctant about emergency funds as a Bitcoin investor has it's consequences, which is why no investor should ignore it, emergency funds is not something to joke with as you're  a long-term investor, cause it is the protective measure that should be embark upon by every Bitcoin investor.

For me, any Bitcoin investor, I mean someone that is investing for a long-term, that have not started creating emergency funds, is just joking because, an investment like Bitcoin without such separate funds that we can rely on to Carter for your emergency needs, will definitely lead you into withdrawing from your hodlings, which might mark the end of your Bitcoin accumulation.

[Silikiem]

The main idea of ​​the buy the dip strategy is that you should start accumulating Bitcoin today before the price increases significantly. Some people do not understand the meaning of the word buy the dip. Do not wait for the DIP price to buy Bitcoin. If you have discretionary income at the end of the week, start accumulating Bitcoin using the DCA method. Before the price reaches a high point. If you decide to compete with the market price and buy Bitcoin, it will not be advisable because the market will always be volatile. If you do DCA regularly, you will have to keep buying Bitcoin no matter what the price is and this is the best investment method. This means accumulating Bitcoin regularly along with analyzing the market and practicing patience to grow your Bitcoin holdings.

I can agree with you to some extent but not to the point where an investor buying bitcoin regularly with the DCA strategy will be going about trying to analyze the market before buying . If you say some thing like this then you have also defeated one of the core value of the DCA which is to save investors the stress of trying to analyze the market since they can always get to buy bitcoin at any market price at such they don’t need trying to analyze the market, it’s a waste of time and the DCA strategy because the strategy does not align with market timing and analysis. The DCA strategy is to invest a certain amount of money at regular intervals either weekly or monthly basis when our discretionary income is available regardless of any market price, and as a result of this the strategy has bypass the need for analyzing the market.

[abaeze]

The amount of bitcoin you can buy either weekly or monthly would depend on size of your discretionary income and how consistently you get discretionary income to invest. The first thing you should do after you have receive your income is to attend to your essential needs, after that, whatever is left is your discretionary income.
Your discretionary income should be split into three sections,1/3 should be use for your regular weekly buying,1/3 should be use to build your backup funds and 1/3 should be kept for your discretionary consumption. This way you can utilize your discretionary income properly,each portion of it is use for different purposes to avoid complications while you ongoingly invest in bitcoin.

Instead of looking at the price of Bitcoin, you should buy as much as you can afford. The main thing is to decide based on your financial situation. First, you need to set aside necessary expenses and emergency funds. Then, the money that is really left as discretionary income should be used to make Bitcoin DCA.

The idea of dividing 1/3 that you showed may be a good budgeting framework or example, but it is not right to consider it a fixed rule for everyone. Because some people may already have enough emergency funds, while others may not have them at all. So the percentage that goes into BTC should depend on the person's income, responsibilities, backup fund, and ability to take risks.

[Just Say]

I don't think waiting for a bear market is really DCA because that is more like trying to time the market and hoping you can identify or predict  perfect time when bitcoin dip.

You are getting it wrong. You can begin to DCA at anytime time. If you wait for the time bitcoin price has fallen and you begin to buy bitcoin like weekly or monthly (but I recommend weekly), that is what DCA is. Even if it is during bull run, as long as you are buying the coin at a specific time like weekly, it is called DCA.

I'm finding it tough to understand what you mean, you talked about waiting for when Bitcoin price falls, then said you prefer buying weekly and termed it DCA, it’s confusing even though I'm trying to connect some dots so I'll get a clear understanding of what you mean
 
I don't know if it's a typo error from your ends but if what you meant is tbat people need to wait for the price to fall before DCAing then you're wrong cause the DCA doesn't require waiting for Bitcoin to fall before buying but buying consistently.

Well the interval at which people buy differs, while some can comfortably buy at weekly bases while some monthly and there are times when some can buy daily cause they have the capacity to but buying daily is not common with everyone the most common are weekly and monthly buying.

I agree with you, the DCA does not support market timing especially when it involves waiting for a price drop before buying bitcoin. If that happens then it automatically means buying the dip strategy. The core purpose of the DCA will be defeated if investors apply market timing and waiting for a lower price before buying so for an effective DCA strategy what matters most is to continue buying no matter the price whenever the discretionary income is available.

The core concept of the "buy the dip" strategy is purchasing Bitcoin at a lower price during temporary drops; however, if you have at least ten dollars in discretionary income, a better approach is to buy regardless of the price. We think if an investor seeks advice from "Bitcoin whales" on how to start investing, they would likely recommend the DCA (Dollar-Cost Averaging) strategy first, this is because adopting this strategy allows one to bypass concerns about specific market conditions while lowering the average purchase price over the long term. In my opinion, it is impossible for a common investor to accurately predict the market's bottom and top prices and this strategy can be started by patiently collecting bitcoins regularly without analyzing the market to increase holdings.

[PhilosopherKing]

The main idea of ​​the buy the dip strategy is that you should start accumulating Bitcoin today before the price increases significantly. Some people do not understand the meaning of the word buy the dip. Do not wait for the DIP price to buy Bitcoin. If you have discretionary income at the end of the week, start accumulating Bitcoin using the DCA method. Before the price reaches a high point. If you decide to compete with the market price and buy Bitcoin, it will not be advisable because the market will always be volatile. If you do DCA regularly, you will have to keep buying Bitcoin no matter what the price is and this is the best investment method. This means accumulating Bitcoin regularly along with analyzing the market and practicing patience to grow your Bitcoin holdings.

If you want person to be accumulating Bitcoin before it reaches high point, then what happens when the price eventually reaches that high price, what then do you want them to do, should they stop investing or what?  There is no difference between telling someone to time the market and then telling the same people to get Bitcoin before it reaches a certain level because that two situations still needs the person to time the market.

When you do DCa, then you mind should be all about ongoingly investing, no matter whether the price is low or high. As a matter of fact, the thing about DCa is that you can even invest when the price are high same as when it is low. There is just no reason to begin investing an amount that is more than what you can afforded just because you want to get bitcoin before the price go high.

[Creeper0]

The main idea of ​​the buy the dip strategy is that you should start accumulating Bitcoin today before the price increases significantly. Some people do not understand the meaning of the word buy the dip. Do not wait for the DIP price to buy Bitcoin. If you have discretionary income at the end of the week, start accumulating Bitcoin using the DCA method. Before the price reaches a high point. If you decide to compete with the market price and buy Bitcoin, it will not be advisable because the market will always be volatile. If you do DCA regularly, you will have to keep buying Bitcoin no matter what the price is and this is the best investment method. This means accumulating Bitcoin regularly along with analyzing the market and practicing patience to grow your Bitcoin holdings.

If you want person to be accumulating Bitcoin before it reaches high point, then what happens when the price eventually reaches that high price, what then do you want them to do, should they stop investing or what?  There is no difference between telling someone to time the market and then telling the same people to get Bitcoin before it reaches a certain level because that two situations still needs the person to time the market.

When you do DCa, then you mind should be all about ongoingly investing, no matter whether the price is low or high. As a matter of fact, the thing about DCa is that you can even invest when the price are high same as when it is low. There is just no reason to begin investing an amount that is more than what you can afforded just because you want to get bitcoin before the price go high.

DCA is not complicated and DCA should not be complicated. Just buy regularly with the amount of discretionary money you have. Analyzing where the market is and where it might go should not be and is not part of DCA. Market analysis is a very complex subject and will be enough to delay your investment and miss out on buying opportunities. There is no fixed price level to buy in long-term Bitcoin investing and there is no fixed timeframe. When and how much you invest depends on your source of income and discretionary funds. The market is not a determinant and should not be made a target.

[strategiccryptoreserve]

The main idea of ​​the buy the dip strategy is that you should start accumulating Bitcoin today before the price increases significantly. Some people do not understand the meaning of the word buy the dip. Do not wait for the DIP price to buy Bitcoin. If you have discretionary income at the end of the week, start accumulating Bitcoin using the DCA method. Before the price reaches a high point.

If you want person to be accumulating Bitcoin before it reaches high point, then what happens when the price eventually reaches that high price, what then do you want them to do, should they stop investing or what?  There is no difference between telling someone to time the market and then telling the same people to get Bitcoin before it reaches a certain level because that two situations still needs the person to time the market.

This argument has been going around the last few pages, so instead of adding another opinion I ran a quick backtest to see what the numbers actually say.

What I did: I took Bitcoin's weekly closing prices going back to 2010 and simulated someone putting in $50 every week from a few different start dates. I compared three approaches:
1. Plain DCA: buy $50 every single week no matter the price.
2. "Wait for the dip": save the $50 each week, but only buy (with all the saved cash) in weeks when BTC is at least 30% below its all-time high at that time.
3. Lump sum: put the same total amount in on the first day.

Everything is valued at this week's close of about $84,261.

Code:

Start date              | Plain DCA  | Wait for dip | Lump sum
------------------------+------------+--------------+----------
Nov 2021 (the top)      |   +99%     |    +96%      |   +29%
Jan 2020                |  +195%     |   +193%      | +1046%
Jan 2022                |  +100%     |    +97%      |   +78%
Nov 19 2024 (this       |    -2%     |     +5%      |   -14%
  thread's first post)  |            |              |

A few things surprised me:

PhilosopherKing is right that waiting for a dip is still timing, but it barely matters in practice. Over the longer periods the dip rule ends up within 2-3% of plain DCA. Bitcoin spends so much of its life 30% or more below its previous high that the "dip" rule ends up buying most weeks anyway. It only looks better over the last year because BTC is currently about 33% below its $126k high.

DCA's real strength is protecting you from bad timing. Someone who started DCA at the worst possible moment, the November 2021 top, has still roughly doubled their money. A lump sum put in that same week is only up 29%. For a newbie who has no idea whether today is a top or a bottom, I think that's the best answer to the question in the title.

But nobody should think DCA means you're always in profit. Someone who started DCA when this thread was opened is at about -2% today, and at the worst point they were down around 34%. That's why the posts a page back about having an emergency fund first matter so much. If you have to sell your stack during one of those dips to pay a bill, DCA can't help you.

And to be fair to the lump sum side: if you happen to start early in a bull run, lump sum wins by a mile (Jan 2020 was +1046% against +195%). DCA isn't the strategy with the highest return. It's the one that's hardest to mess up.

So my takeaway for beginners is to pick an amount you can afford every week or month, keep buying through both the scary weeks and the exciting ones, and don't waste energy trying to catch the perfect dip. Over a few years it hardly changes the result.

Happy to run other start dates, amounts or dip thresholds if anyone wants to see a particular case.

Ted Salazar - SCR Lead Programmer feel free to read our news releases on prlog to get some background on our latest projects

[jahead]

[...]
DCA is not complicated and DCA should not be complicated. Just buy regularly with the amount of discretionary money you have. Analyzing where the market is and where it might go should not be and is not part of DCA. Market analysis is a very complex subject and will be enough to delay your investment and miss out on buying opportunities. There is no fixed price level to buy in long-term Bitcoin investing and there is no fixed timeframe. When and how much you invest depends on your source of income and discretionary funds. The market is not a determinant and should not be made a target.

One moment, it is especially not complicated if you automate it with a recurring plan, so money is automatically debited from your bank account every week or month to buy Bitcoin at the current price. OK, thats right, Period. BUT, very few crypto exchanges actually offer automated bank transfers and recurring buying plans,...   and that is the real problem. In the worst-case scenario, you have to set up your buy orders manually on each date in the week or the months. That means you might forget it, lose motivation, or simply stop doing it... so it is not quite that easy after all.  

[Sammysmart001]

DCA's real strength is protecting you from bad timing.

I like this part of you instead of only given an opinion you used a backtest instead. But also result should be taken with caution cause depend on the period chosen outcome can change a lot. A four start dates aren’t enough to prove that waiting for dips will hardly change the result over few years.
Personally I would say that the biggest lesson from this example is that DCA have make things less pressured by removing the need to decide on whether if today price is good entry or not. Same plan can still be followed even if the person is wrong with market direction. This is best and useful for starters because the focus is not about finding the perfect strategy but having to stay consistent and not trying to go and predict every of your move.

[Perfect-World]

DCA is a good strategy but it is good when the price of bitcoin is low already. Example is when bitcoin fall below $16000 in 2022 that El Salvador was buying one bitcoin daily. If you want the strategy to be good for you, you can just wait until the price fall during bear market and start DCA.

I don't think waiting for a bear market is really DCA because that is more like trying to time the market and hoping you can identify or predict  perfect time when bitcoin dip.

The problem is that nobody knows when bitcoin price  will drop. DCA is meant to spread purchases over time, so  it gives investors the opportunity tokeep accumulating regardless of short term price movements. And El Salvador buying 1 BTC daily when Bitcoin was around $16,000 is an example of buying during a downturn, but the important part of DCA is the consistency, not waiting for a particular price.

Exactly! The DCA is meant to be running through  and purchase BTC at anytime so long as you have your Discretionary income regardless of the current price. So suggesting that doing DCA when the price is down is good or better is a wrong suggestion, because it might be misleading and beginners might begin to see it as a good investment pattern, to always wait for down times before starting there DCA buys.

From history, the BTC price that fell will one day rise again, even though we don't know when. So what's the essence of waiting and/or proclaiming that it is good or better to DCA when price is down. If you are able to buy BTC as you can afford even in high prices or the current market value depending on when you have your discretionary, the you could as well be just HODLing and buying more, and when we all enter the bull run season, then you you because even more happier that you bought years or months back.

If you do DCA regularly, you will have to keep buying Bitcoin no matter what the price is and this is the best investment method. This means accumulating Bitcoin regularly along with analyzing the market and practicing patience to grow your Bitcoin holdings.

When you begin to analyze the market, you might begin to think twice of continually doing your DCA especially when the market is down. When doing DCA buys, I think it's more of learning and understanding how best you could do your investment and balancing your income management and allocating proper funds as it should be.

[Emjay24]

The main idea of ​​the buy the dip strategy is that you should start accumulating Bitcoin today before the price increases significantly. Some people do not understand the meaning of the word buy the dip. Do not wait for the DIP price to buy Bitcoin. If you have discretionary income at the end of the week, start accumulating Bitcoin using the DCA method. Before the price reaches a high point. If you decide to compete with the market price and buy Bitcoin, it will not be advisable because the market will always be volatile. If you do DCA regularly, you will have to keep buying Bitcoin no matter what the price is and this is the best investment method. This means accumulating Bitcoin regularly along with analyzing the market and practicing patience to grow your Bitcoin holdings.

If your focus is on the markets, then you can hardly maintain consistency with your regular buys since you might be more inclined to gamble around the price than buy straight up when discretionary income is available. No matter the way bitcoin volatility is playing out, every time is buying time as long as you have discretionary income and remain committed to buying and holding bitcoin for long. Newbie investors shouldn't consider price before they buy, they should do so as soon as their discretionary income is available.

The DCA strategy is to invest a certain amount of money at regular intervals either weekly or monthly basis when our discretionary income is available regardless of any market price, and as a result of this the strategy has bypass the need for analyzing the market.

DCA strategy isn't fixed to weekly or monthly timelines but should be configured according to the availability of discretionary income to the investor, so it can be Bi-monthly, quarterly, or even on variable periods for investors who have unsteady income flow, but can identify with having discretionary income from which to invest when their inflow arrives.

[Shineup]

The main idea of ​​the buy the dip strategy is that you should start accumulating Bitcoin today before the price increases significantly. Some people do not understand the meaning of the word buy the dip. Do not wait for the DIP price to buy Bitcoin. If you have discretionary income at the end of the week, start accumulating Bitcoin using the DCA method. Before the price reaches a high point. If you decide to compete with the market price and buy Bitcoin, it will not be advisable because the market will always be volatile. If you do DCA regularly, you will have to keep buying Bitcoin no matter what the price is and this is the best investment method. This means accumulating Bitcoin regularly along with analyzing the market and practicing patience to grow your Bitcoin holdings.

This is apparently contrary to the DCA you are talking about, analyzing the market have nothing to do with DCA since you are to be buying right away without analyzing the market. Indeed it is a wrong approach trying to compete with the market that is volatile, this is because you can never get satisfied and that can delay your accumulation and cause missing opportunities, but with DCA, you are free from that stress of analyzing the market which is one functionality of DCA by buying, either weekly or monthly according to the availability of your discretionary income.

[Chronic Gambler9]

Instead of looking at the price of Bitcoin, you should buy as much as you can afford. The main thing is to decide based on your financial situation. First, you need to set aside necessary expenses and emergency funds. Then, the money that is really left as discretionary income should be used to make Bitcoin DCA.

Buy what you can afford to lose; that's the most important thing to avoid looking over your investment after you invest, and that's why having discretionary income before investing matters, because it lets you not touch your investment. Most investors don't take backup funds seriously; they don't know that backup funds can be useful for every investor when they've emergence financial problem. They can resolve the problem and allow their Bitcoin to grow.

[Ruttoshi]

One moment, it is especially not complicated if you automate it with a recurring plan, so money is automatically debited from your bank account every week or month to buy Bitcoin at the current price. OK, thats right, Period. BUT, very few crypto exchanges actually offer automated bank transfers and recurring buying plans,...   and that is the real problem. In the worst-case scenario, you have to set up your buy orders manually on each date in the week or the months. That means you might forget it, lose motivation, or simply stop doing it... so it is not quite that easy after all.  

I don't like automated DCA, I prefer to do it manually for flexibility sake which is it shouldn't stress you financially. The reason why I said this is because some weeks/months, our discretionary income might not be up to the initial amount you use to buy and if you use automated DCA, bot don't care about that, it deduct the actually money that has been fixed there and that will add financial pressure on you because you have bought beyond your discretionary income.

However, using the manual DCA is easy for you to buy bitcoin right away with any leftover at the end of the week/month. When your monthly expenses and basic needs are higher than the initial amount, you buy with lesser amount based on your discretionary income and vice-versa. Any week/month that you don't have discretionary income, you don't buy.

[cocadalcan]

The main idea of ​​the buy the dip strategy is that you should start accumulating Bitcoin today before the price increases significantly. Some people do not understand the meaning of the word buy the dip. Do not wait for the DIP price to buy Bitcoin. If you have discretionary income at the end of the week, start accumulating Bitcoin using the DCA method. Before the price reaches a high point. If you decide to compete with the market price and buy Bitcoin, it will not be advisable because the market will always be volatile. If you do DCA regularly, you will have to keep buying Bitcoin no matter what the price is and this is the best investment method. This means accumulating Bitcoin regularly along with analyzing the market and practicing patience to grow your Bitcoin holdings.

I can agree with you to some extent but not to the point where an investor buying bitcoin regularly with the DCA strategy will be going about trying to analyze the market before buying . If you say some thing like this then you have also defeated one of the core value of the DCA which is to save investors the stress of trying to analyze the market since they can always get to buy bitcoin at any market price at such they don’t need trying to analyze the market, it’s a waste of time and the DCA strategy because the strategy does not align with market timing and analysis. The DCA strategy is to invest a certain amount of money at regular intervals either weekly or monthly basis when our discretionary income is available regardless of any market price, and as a result of this the strategy has bypass the need for analyzing the market.

I have written about the importance of market analysis and patience during the Bitcoin accumulation period. Even if you spend some time analyzing the market and Bitcoin before you start accumulating Bitcoin, it will not take much time. Will you blindly apply your capital/discretionary income without any analysis or be persuaded by others? This will never be an ideal investment strategy. You do not need weeks or months to learn about Bitcoin or analysis the technical aspects of Bitcoin to invest. You need to know how Bitcoin works and what strategy to invest in.

You can expect high returns by using leverage in Bitcoin investment but a small investor can expect the same amount of return by accumulating Bitcoin continuously. Although the strategies of investors differ, who will be ahead in terms of the probability of success depends on the investor who goes through a complete cycle or keeps holding Bitcoin for more than one cycle.

[samadam007]

I have written about the importance of market analysis and patience during the Bitcoin accumulation period. Even if you spend some time analyzing the market and Bitcoin before you start accumulating Bitcoin, it will not take much time. Will you blindly apply your capital/discretionary income without any analysis or be persuaded by others? This will never be an ideal investment strategy. You do not need weeks or months to learn about Bitcoin or analysis the technical aspects of Bitcoin to invest. You need to know how Bitcoin works and what strategy to invest in.

You can expect high returns by using leverage in Bitcoin investment but a small investor can expect the same amount of return by accumulating Bitcoin continuously. Although the strategies of investors differ, who will be ahead in terms of the probability of success depends on the investor who goes through a complete cycle or keeps holding Bitcoin for more than one cycle.

I don’t like when you guys make unnecessary requirements prior bitcoin investing. Will your analysis make your investment immune to bitcoin volatility? If you’re trying to analyze market before starting, then your focus is not investing but market timing and trading. Tell me what business a beginner have looking for what is not lost, when what he needs is staring right at him( discretionary income and simple DCA strategy).

The problem is that once you start seeing it as a requirement, you end up thinking you need to get everything right before you begin. Then start looking for perfect entry, and a beginner doesn’t need all that.  Once you’re able to figure out your discretionary income, how much goes into bitcoin and building back up funds and other necessities. You have no excuse not starting.

[Obulis]

Prediction of emergency might not be exact but trying to or ability to anticipate the area and some common happenings is possible. You can be able to foresee business brake or job loss, medical conditions and some others but you can't foresee the intensity and the particular time.
There're sometimes when people actually prepare for predictable emergencies financially, mentally and otherwise, this in a way don't just becomes easy that you have emergency funds but it becomes easier that you have emergency funds and likewise prepared for this foreseen emergency.

I don't see any need in trying to predicting possible emergency without taken measures on how to overcome those emergency in case those prediction come to manifest  but surely we will encounter challenges or emergencies  but it is wise we plan prior to those moment if at all it happens. However, i have come to realized that some of the emergency or challenge we encounter is caused by an investor because they neglected things they would have done earlier.

Don't forget that having or keeping emergency funds is the first preparation for emergency (a silent prediction) not because you expect emergency situations but because human has come to understand that emergency happens. And foreseeing or prediction of emergency in this case is not you sitting down to predict emergency like you sit to plan your expenses and make other plans (business etc), prediction here is for example, the company you work will be laying off employees massively from different department because of cut down of contract which everyone is aware of, and you begin to prepare on what next to do or your next move should you be among those that will be laid off, that's the prediction or anticipation of emergency I am referring to not you trying unnecessarily to predict emergency.

Another example of predictable emergencies is a pregnant wife, she is pregnant and there's definitely or probably going to be child delivery. The husband must not wait until she gives birth before he can start planning about her delivery emergency particularly and child cares.

Keeping of emergency funds is the first planing to handle emergency situations and any investor who doesn't try to keep emergency funds while investment is on going can be put into unnecessary pressure that may or can affect their Bitcoin holding in the slightest emergency that can easily be handled should there be a small amount available. Such emergency situations or condition is caused by the investor.