Topic: it's so risky! - page 8. (Read 1007 times)

Taking risks is important or not depending on your readiness. if you are someone who does not accept if your assets are lost, or reduced by a large amount, then taking risks is highly not recommended. meanwhile, if you are ready with it, then you just need to find an investment that you think has great potential.
Personally, I have the same thoughts as you. I'm afraid of losing the money I have, so I don't take big risks, and try to invest what I'm willing to lose. however, I don't think I would invest with 80% of my savings. I separate savings with money to invest. Apart from that, I also think that 20% of my income to invest is a pretty good value.

It would be better for you to learn about investing first so you can reduce fear no investment is risk-free all investments are risky the higher the risk the greater the profit you will get but if you don't start investing then your life will be more at risk with financial problems because inflation will make it more difficult for you to make ends meet because the percentage increase in salary is not as big as inflation.
Reading books about people who have been successful in their investments might help you understand about investment goals so that fear will decrease, fear is still needed so you can be careful when starting an investment.

@OP should accept the fact that in every investment there is risks involved.  The higher the risk the greater the reward but many are able to minimize risks through risk management one of the reason why many wealthy people hire risk managers to manage their investment.



Honestly, it is a waste to let 80% of your wealth sitting on the bank.  The interest rate in bank is too small comparing to the profit when you correctly invested it.  Besides, if you put your money in bank, you don't have control over it, your money in bank is being used to invest and majority of its profit will never be given to you.  There is also limit in insuring your fund.  If your saving exceeds that limit and the bank goes bankrupt, anything exceeding that insurance will not be reimubursed and will be completely lost.  So I think it is better to use the money pesonally for investment than letting someone use it themselves.

Everyone must have a different mentality and courage, it all depends on the nature that is present from birth or because the mentality is trained. Likewise, when it comes to investing, people's characters will always be different, there are people who are very brave, there are people who are mediocre, and there are also people who are cowardly. There is nothing wrong with all of these people's characters when investing, depending on their habits and how far the person is willing to take risks. Now you start investing with your savings of 80%, for me to spend that much savings to invest, really doesn't match my habits and thoughts. Because suppose a loss hits, it will be difficult to turn things around, because the savings are only 20% left. Personally, I like to make investments using savings of 50%. Because in my opinion, investing using savings of 50% is at a safe and neutral point.

And as for the question of whether or not taking risks is necessary, from my personal experience, sometimes taking risks is necessary. Because sometimes there is a time that forces us to dare to choose and take risks.

No doubt that you are going to have a hard time making some money in the crypto space, if you are not ready to lose any money you shouldn't be in the crypto space, even the safest asset in crypto ( Bitcoin ) is still risky, so the fear of losing money is not something any crypto investors should have in them.

Also, 80% of your total savings should be in the bank, not in cryptic space, 80% is too high, I think that's the main reason you have fear of losing your money, and that's not a safe way to invest in crypto.

In the case of earning some income per month, I may be able to invest 10% of that income on Bitcoin, meaning if anything bad happens, I will lose 10% of my monthly income, which is a bit safer than what you suggest.

Being safe is better than being sorry.

It depends on your current state? If you're just starting out earning I reckon you can put up a lot of amount for investment, if not then try to find a perfect balance between what you need to spend/save and what you can invest. Investing would always have a certain amount of risk, I'd consider the majority of investments as money I could've spent on other things meaning money I could've lost without it affecting me negatively in any way. Sad thing is failed investments don't return anything but hey, that's a risk you gotta take if you want to earn more.

For you to go into any investment, you should have the proper knowledge of the investment and the challenges in such investment. This will enable have a proper plan on how to overcome the challenges and stay focus on your investment for you to achieve it.

Risk is part of human life,even the path that one choose to follow is a risk because if it leads to destruction, you will be doomed. If it leads to success, you will be successful. The fear of not taking risk to go higher,is the worst of it all because your fear will make you stagnant in life and you will not grow,since you are cool with your present achievement.

Taking that risk is normal. It doesn't matter whether it is important, but you have to know how to deal with that risk if it becomes big. Most people don't know how to deal with risk and will panic if something doesn't go how they want.

Investing 80% of your savings is risky, especially if you don't know what you are investing. Even if there is a bitcoin investment but you don't know how to start investing in bitcoin, you might just be wasting your time.

So you should first learn how to invest in bitcoin properly and correctly so you know how to get started. And don't forget to learn about the possible risks after you make your first purchase in bitcoins.

I'm not sure what kind of business you want to invest 80% of your savings in, which I may or may not feel is excessively risky.However, I would add that your level of business understanding will define the level of risk you should be willing to take because not all businesses are  worst investing much amount of money,despite the fact that the percentage you risk will determine your profits.Therefore, not all firms are safe for us to stake our financial future on.


Risk is, in my opinion, a very crucial factor in whatever type of business you wish to start. As we all know, there are risks associated with bitcoin, so let's use that as an example,so must accept the risk before we can achieve good financial success.the only thing is to be aware of the level of risk you wish to accept, as failing to do so could result in missing everything altogether.

Taking calculated risk is very important and not just taking risk blindly, investing in Bitcoin is a calculated risk since the reward is greater as you make more money the more Bitcoin price increases. We have to learn to enjoy taking risk since that's the only way we can move ourselves from the financial condition we're at the moment to a more comfortable one.

Before investing 80% of your savings in Bitcoin, I would love to know what those savings were meant for. If you were keeping all your savings for investment then going in with 80% isn't bad, you can keep the remaining 20% for emergency Incase it comes up so you won't touch your investments.

We want to be successful, and to make a lot of money, we need to take risks and step out of our comfort zone. If we don't make it, we will never become as rich as others when we fear everything. I have never seen anyone rich and successful without sacrificing anything. It can be said that risk is an integral part of each of us on the way to getting rich.

I think you are like most people, you have a misconception of risk as applied to financial matters.

Many people think that for example investing in the stock market is risky, which is partially true or partially false, depending on how you look at it.

Investing by doing DCA in the S&P 500 for the long term is a very safe investment. On the other hand, playing roulette trying to buy and sell an individual stock, typically a small cap, in the short term is very risky.

As for cryptocurrencies, investing in Bitcoin with a long-term view with money you don't need is very safe, while investing in the shitcoin of the moment, especially if you are trying to trade it, is very risky.

What I recommend is that you get a lot of information about investments in general and before investing make a reasoned decision, and do it with money that you will not need in the short or medium term.

When it comes to investing you should do lots of reading beforehand as that's what made me more comfortable. Some people think it's some dark and magic art, but it all related to the real world of business that we live in. If coke sells a billion bottles a year and then figures out a way to sell a hundred million more - it's quite possible it will make more profit. You should definitely look up and use index funds instead, as for the majority of investors this will be what they need. Being able to weather the downs as well as ups is very important, so you need a strong stomach.

If you are not ready to take the risk and are afraid of losing money, then you are better off not investing. Investment means regarding profit and risk, no investment gives a return without risk, even tangible assets like gold and real estate. Investing is a way to help us earn more profit, more money than the work we do every day, but in return, it also puts us at risk. Because there is no success without trade-offs. I don't know what asset or sector you want to invest in, but only if you are ready to lose, then start.

So you are taking about both the selection of assets and the exposition we can allow to have.
As some rules of thumb, we are not supposed to put our money in shitcoins and bad stocks, that is the easy part about investment, if you know yourself.

It is more difficult to determine whether we suffer from being over-invested , I am one of those people who can be too confident when comes to getting cash into Bitcoin or altcoins I consider to be worth it, even though I would need to have some fiat. It personally helps to save money.

If you go to a wall street dinosaur, he may tell you to only get 10% of your money into Bitcoin, while people in this community can go as far as 80% or more, all it.  It is about our own risk tolerance. 

Fear to take a risk is part of reason for people staying poor. The rich see risk as what is good to move into another level to financial freedom and they take such move and when they succeed they have another status. If you get scared of taking risk your surviving chance is reduced so I advise if you are showing fear in the asset, you can invest in bitcoin in a secure wallet and in the future you gain more value to it .

Investments vary. There are investments designed for people like you who have low appetite for risk. There are also investments that are highly risky but could be attractive to investors who have high risk tolerance. But you need to take into consideration that the level of investment risk and ROI are almost always directly correlated. Meaning to say, the higher the risk is, the bigger the potential profit.

In cryptocurrency, if you don't want to take risks, you better choose Bitcoin and hodl. Altcoins and trading are much riskier.

The fear of losing everything is the same as the fear of not starting at all. 80% of total asset is a significant amount to consider before making any investment with it. No matter how much money you have, losing 80% of it is not worth it. In this scenario, you must be skeptical about the type of investment you will make with such funds and its potential for future profit. If you're afraid of losing everything, you've taken the first step toward not seeing the potential in what you're attempting to invest in.


There is no investment without risk. Risk is an inherent component of investment and so cannot be avoided. However, you should be mindful that you should only incur risks if the investment is worthwhile. If you do not take the risk, you will not be able to achieve your goal.

It is worth remembering that even the truest option can turn out to be cheating. That is why investing is always associated with risk, because it is impossible to rule out force majeure and other unforeseen situations. So you need to be prepared for the fact that you can lose all the money you have invested. Try not to invest all the money, otherwise the consequences can be catastrophic.

Just think of these.
No risk, no reward. Low risk, low reward. High risk, high reward.

That alone is enough for I guess. Now to answer your question if you are taking risk or not, yes you are taking risk. Risk of getting lost because of INFLATION. 80% of your money into savings? I mean governments are just printing money, and you are saving it? There are 3 reasons for you to save money. One is if you are saving for an emergency funds. Two is if you are saving because you want to buy something expensive like house, car etc. Third is you are saving because you want to invest into an asset class like Gold, Stocks, Crypto etc. If you are saving just for the sake of saving, you are doing it the wrong way, and you are letting yourself lose your money because of inflation.

You don't invest into an asset because of you afraid to lose money, but you don't know that you are losing money if you are saving as well? Not indirectly obviously, but the buying power of that money that you saved will go down as years go by. Taking risks are always part of our lives already, and so with investing. Just look at the successful businessmen now. Do you think that they will not become what they are today if they didn't take the risk, and tried to do something that they wanted to do.

Overall, I don't want to save 80% of my money into savings account, and I hope that you really aren't doing it because it's the worst thing to do right  now. Invest it into assets. Take the risk if you really wanted to gain money, and not lose to inflation.