Topic: it's so risky! - page 6. (Read 946 times)

While you can live without your savings and you're not using them any time soon, I don't think that's a problem, and you should invest in something you're absolutely sure it won't fail, because you're putting almost all of your money on it.

The first thing you have to ask yourself is do you really understand the concept of investing itself. Do you always have the readiness if at any time you experience a sudden need and don't dare to take an investment that has just been dropped? remember that investment is based on mental readiness and readiness to see results in the long term.
If you yourself are unable to agree on the main points, then don't ever dare to invest. Especially in fluctuating assets. There is a lot to consider for every decision.

for you to be a man, you should take risks. If you do not take any risks then it is simply means that you are wasting the opportunity that have given to you. People think that investing is risky without knowing that their 9-5 job is more risky than it. Think about it, you are spending your time for other business and it takes away your freedom not only financial but also the time freedom because there are certain rules and regulation that you should follow.

The rich people do not have people above them, they are the one who creates their own rules that's why they have freedome not only financially but also time freedom. Instead of focusing on 9-5 job, it is better if you will make an investment or create a business that can help you generate income. Is that risky? of course it is but it has less risk than applying and staying on 9-5 job. Pick your thing, you want to become rich or if you want to stay broke?

It is all risky. Not investing itself is risky. Disregarding the opportunity to make money is risky. If you're unwilling to take and accept risks, then you won't allow yourself to make great returns. 

I would say, don't risk it all. Start small. Then over the course of time make it bigger. Gradually. Invest the first 20% of your savings, then increase it as you progress your understanding and make yourself comfortable with the market. Do not rush. It's your funds after all so you are in control. It's normal to be fearful, but it is not when you limit yourself because of your fear.


As you take calculated risks, you are also taking statistical guesses. It's all maths, numbers, and probabilities. No emotions at all. Because in face of financial risks and oppotunities, you must not be fearful or greedy. You should be a able to rational, logical, and be able to create high quality decisions.

If you are not willing to ‍take risk on your assets that is your personal matter any investment involves risk, but you need to make a decision by assessing its level. Good profit is not possible without taking risk. Moreover, crypto generally considered as a risky platforms. Definitely risk should be taken but for that you need to find the right investment place. Risks can be taken if the investment is reliable. But of course, instead of investing 80 percent in one place, it should be invested in different parts on different platforms. By doing this, the risk can be reduced somewhat. Before investing, good research must be done. Otherwise the investment is likely to fail.

as what most people would say that there are some opportunities that could be acquired outside your comfort zone, that is what it literally means. taking risks is necessary sometimes since you cannot move forward in life if you won't be able to do that. the problem is sometime there are people who doesn't think twice when it comes to risks and just literally jump forward into the fray without hesitation. in life also there are things we call "calculated risks" and that describe into something that is decided through so many simulations before risking.

There is no rule that it should be 80%, 70%, or 50% but I think this will be the golden rule when it comes to investment - invest only the amount that we can afford to lose. It means that we can start to invest in any amount as long as we don't regret if we ever it will lose. Because the truth is that every investment is too risky and most especially if you are investing in something that you are not familiar with or have no knowledge about it.

Therefore, It is to say that investing should be planned well and already have knowledge of it. Because there is no way to succeed in this field if we are blind and empty to what we gonna do next.

Taking risks is important in investing. However, you need to assess what level of risk is acceptable for you and choose the right investment types along with risk management. To address your fear of losing money, you need to learn more about the different types of assets and investments along with their risk assessment and return potential. If necessary, you should seek advice from a financial expert to make the right investment decision. Fear of losing money when investing is common and completely natural. However, leaving money uncontrived or invested can expose it to the risk of losing value due to inflation or volatile stock markets.

Just in case, the 80% you mentioned, do you want to invest it? Because of the investment type, there is always a risk that always includes. Maybe if there is no risk it is that you have no money to release, but once you bring money to an investment automatic that has a risk.

Then if you are an investor, you should also be as confident as a capitalist, you may not be afraid of losing the money you invest, because all investors are risk-takers you will always remember.

It is prudent to make a due diligence and conduct intensive research before taking any investment decision. However it is important to acknowledge that there is risk associated with all types of investments and no gain can be achieved without taking a certain degree of risk. As a general rule, higher risk investment offer higher potential returns, but it is crucial to evaluate your financial situation and long term goals before taking any risk.

You didn't say what you want to invest those 80% into. Now that you are on a crypto forum here, are you implying that you want to put 80% of your total savings into Bitcoin? I think for a risk-averse person as you describe yourself, putting 80% of your savings into Bitcoin is not a proper strategy unless you add further information. What does depend on your savings? The potential next holidays? Bills for medical care and other emergencies? Tuition fees for your kids?

When you ask such a question, why don't you put some more effort into it when you are interested in genuine answers? Savings can mean very different things to very different people. There is no definition for it that we all agree on and can now derive advice or suggestions for you.

If your"saving" terminology is all about money you put to the side for exactly for investing, that would probably get you some elaborate answers here.

You hate risk but then want to invest 80% of your savings? Kind of hypocritical statement if you ask me, if you're someone that's scared of risk, shouldn't you be showing a bit of conservative percentage on your investment? Investment is risky, I don't think there's no legitimate investment that's not risky, if it's not risky then it's too good to be true and we all know what that if anything is too good to be true, it probably is, so why not take the risk and hope for the best OP?

First of all investing is not about losing money. People usually invest to increase their wealth. Everyone wants to protect their hard earned money. The amount of money you have earned and deposited in a specific savings account is not increasing.

You basically expressed your willingness to invest 40% of your wealth to grow money. It is undoubtedly a good initiative. To grow money you have to take risks. And if the investment is in Bitcoin then your assets will have comparatively less risk. Invest a certain period of time by observing the market. And be patient by investing hope you will be successful in your investment.

It actually depends on the person. There are people who are more averse to risk (and I think OP is one) and there are people who are neutral, and there are those who likes to risk big when investing. I'd say taking risk is also important cause that's just part of investing. If you want something, you'll have to take a risk. It just depends on the person on how he can handle the consequences of it, so if you don't want to risk a lot of your money, it's fine. Just know your limit, and what you can afford to lose.

Bitcoin is a highly volatile asset, and it is only suitable for those who like to ride roller coasters and take risks. If OP is risk averse, he shouldn't invest in bitcoin, he should look to less volatile investments like gold or real estate instead. But the higher the risk, the higher the return, so it all depends on the tolerance and needs of each person to make the right decision.

I don't want to give investment advice to anyone because I don't want to be blamed, but if I had to choose, I would also select bitcoin because its returns are higher than all other asset classes.

No, he wants to use up to 80% of his savings to invest, which is quite a large number. We don't know what his net worth is, but investing 80% of his assets and for a newbie with no investment experience, it's a huge risk. If he needs advice, I will stop him from doing it. He also did not mention the type of assets to invest in, so it's hard to give advice, but if he can't accept the risk, then even gold should not be invested, let alone investing in crypto, nothing is safe 100%.

Investing can be a terrific way to build your funds over time, but keep in mind that all investments involve some level of risk. Diversification, or spreading your investments across several asset classes and industries, is an important risk-management approach.

Self-confidence is everything, but knowledge is also necessary because even if you have all the knowledge to run a business and still you fear taking risks and wasting your time, and as time passes you regret your delaying, same goes with buying assets because I have seen many people, one is near to me, and I had learned one thing in this field that, self-confidence and educations are important and if you could able to gain these two things you are successful. and you ask for losing money and this fear keeps you away from investing then you will also regret your decisions with time.

First, develop self-confidence then understand your purpose, and make a plan, like achieving something in a specific timeframe, and if you get it do not fall greedy for more. Invest only that amount that you can bear to lose, if any asset has more risk then do not invest 80% of your saving in it perform DCA, (invest in parts at different timeframes for different prices) it will increase your profit ratio. Let me give you an example, the person from which I learn this lesson started a small business to sell G1 Garlic by growing them on his land, and he made 6x profit on his investment in one year. And he was damn sure about his success because he found opportunities and then do not hesitate to utilize them. Patience is the key, you cannot earn money without risk.

We can only talk about the safety of savings when the exchange rate is stable. And bitcoin is still too volatile. What safety can you talk about if you invested in bitcoin when it was worth 60,000 and two years later you urgently need money when it is worth 27,000? That's a clear loss of money, not preservation. And just because bitcoin has always gone up in value, that doesn't mean it always will. And you may not have two or more years to wait.

See I think you should probably invest all of your savings it's just that you should make an adequate split into the correct investment. Go with very safe investments for the 30-40% of your money so that there is absolutely zero risk on that money or a very minimal risk.