Why you should use spare money to invest - page 2.

uswa56

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Quote from: bayu7adi on June 28, 2023, 04:59:34 AM

Quote from: serjent05 on June 25, 2023, 06:32:21 PM

One major reason that we should use spare money to invest is that we can be able to wait for our investment to mature and get huge profit from it. If we use money that is not spare, we might end up needing the money for its purpose and ends up selling our investment prematurely. It is ok if the market is surging but it would be devastating if the market is crashing since we cannot get our full investment if the market is plummeting when we sell our investment.

The primary reason behind investing with separate money is to avoid the risk of financial ruin in a single blow. It is never advisable to go all-in at the beginning of an investment journey, as things may unfold differently than anticipated. By opting for this approach, individuals steer clear of such a predicament. Even today, some people still engage in this behavior, mainly due to a lack of financial planning education.

I recommend segregating your funds and treating investment allocation, which pertains to savings or future aspirations, differently from the money allocated for current needs.

There are many advantages and advantages of investing using reserve funds to invest including as you said, we don't know what will happen in the future with the investment we choose, therefore to reduce investment risk it is not recommended to go all in, this is an investment not a bet so if you have to be wise to make choices for the benefits that will be achieved in the future.

I agree with your advice, and I have also implemented it now, before I was very obsessed with investing so I did everything I could and used money for my basic needs but unfortunately everything didn't go smoothly and I experienced a big loss, all of this was inseparable from the panic and need that so urgent that whether I want it or not I have to sell my assets by incurring big losses, that's when I realized the importance of investing with reserve money.

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Quote from: serjent05 on June 25, 2023, 06:32:21 PM

One major reason that we should use spare money to invest is that we can be able to wait for our investment to mature and get huge profit from it. If we use money that is not spare, we might end up needing the money for its purpose and ends up selling our investment prematurely. It is ok if the market is surging but it would be devastating if the market is crashing since we cannot get our full investment if the market is plummeting when we sell our investment.

The primary reason behind investing with separate money is to avoid the risk of financial ruin in a single blow. It is never advisable to go all-in at the beginning of an investment journey, as things may unfold differently than anticipated. By opting for this approach, individuals steer clear of such a predicament. Even today, some people still engage in this behavior, mainly due to a lack of financial planning education.

I recommend segregating your funds and treating investment allocation, which pertains to savings or future aspirations, differently from the money allocated for current needs.

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Quote from: Franctoshi on June 27, 2023, 07:06:00 PM

Investment in the financial markets, especially cryptocurrency, involves a huge amount of risk because it is a volatile market, and we should deal with caution, making it necessary that whatever funds you are bringing to invest should be the amount that you are capable of losing. The word investment to my understanding I'm seeing it as something that involves a long duration of time and in other words, should also be money that you won't be needing anytime soon and attaching some kinds of emotions.

Exactly as you said that investment takes quite a long time and we as investors also have to be patient in waiting for our investment to actually generate profits. And for that, of course the money that is included in the investment must also be money that is indeed quite cold and indeed we will not use it for quite a long time. All investments have their own risk. And investing in crypto certainly does have a much bigger risk. So using only money you can afford to lose is the most appropriate solution. Or using reserve money that we don't really need is what can keep us calm in carrying out the investment.

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Quote from: Franctoshi on June 27, 2023, 07:06:00 PM

Investment in the financial markets, especially cryptocurrency, involves a huge amount of risk because it is a volatile market, and we should deal with caution, making it necessary that whatever funds you are bringing to invest should be the amount that you are capable of losing. The word investment to my understanding I'm seeing it as something that involves a long duration of time and in other words, should also be money that you won't be needing anytime soon and attaching some kinds of emotions.

crypto market is a known very volatile market, so if you don't know what you're doing, you can easily get liquidated. investment can be on a short-term basis, however, you should know the market well so you won't be wasting your funds for nothing. everyone will advise you to use your extra funds as there is no guarantee on this market. the roller-coaster ride will give you idea that you can't exactly tell when is the right time to sell your coins. but of course, the right time is always when the selling price is higher than your buying price.

Franctoshi

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Investment in the financial markets, especially cryptocurrency, involves a huge amount of risk because it is a volatile market, and we should deal with caution, making it necessary that whatever funds you are bringing to invest should be the amount that you are capable of losing. The word investment to my understanding I'm seeing it as something that involves a long duration of time and in other words, should also be money that you won't be needing anytime soon and attaching some kinds of emotions.

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Quote from: Godlovesyou on May 12, 2023, 12:13:12 PM

There is no normal being that loves getting losses on business, career, investment and trades that's why even company holders make financial policies to keep record of investment and profits flows. And unlike other business bitcoin also makes sales and losses if you do not investment wisely....is nice when you put in what can not put you sickbed or gives you hypertension, don't invest out of what you cannot withstand the loss.

Is better to use small money or learn risk management first before investing especially newbies.

I think it's the law that applies everywhere. We must have knowledge about what we are going to invest. If not, it's stupid, even though all investments can generate profits, whether you have knowledge or not. But in investing there is a big risk, this is what makes all investors must have knowledge, so that if something bad happens they don't panic and know what to do with their investment.

Investments are also divided into 2 groups, namely high-risk investments and low-risk investments. One of the low-risk investments is gold investment, home investment, land investment, blue chip stock investment, etc. One of the high-risk investments is crypto, such as bitcoin. Usually investments that have a high risk have a high return as well.

Everyone wants the money they have to work for themselves, that's what makes people like investing. Besides that, investment will also make you financially independent, if your investment is successful. But apart from investing money, we also need to invest in knowledge so that we know there are many ways to earn money, such as taking courses or attending training, or maybe studying at the master's or doctoral level.

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Quote from: Fredomago on June 25, 2023, 03:43:57 PM

Quote from: nara1892 on June 25, 2023, 09:42:05 AM

When you dare to take risks, the book must be ready and do not regret what you have done. Of course, investing with money that is not used for necessities will make us very calm even if we are in a bloody market, for example.
As for putting our money in some basket or bin, I agree on that. However, we must be able to see the opportunities that exist, in another sense, we must have many profit holes in the things we do. I don't see it as something to be greedy, as long as we know what we're doing and don't just rely on luck or follow other people.

That's the good and exactly right. Taking the big risk if you are done doing your deep research will drive you to take that pattern. If the chance is high so why bother not to take it right? It's on your take and on how you drive your investment, but moving to how the topic was being written, it's something that will allow us not to fear with our investment as we are using spare amount that can be forgotten, might be possible to wait for longer time and also that willingness to let it go if a mistake has been done.

The point in this case depends on how we determine momentum because indeed this can be profitable, it's just that of course momentum also won't be obtained if we only follow advice from other people, especially what often happens is when following several influencers which makes this even more complicated.
It's not wrong to be in shitcoin or memecoin just to take advantage and go with the flow of the pump that was created, it's just that it needs to be accompanied by our abilities and we have to be aware of whether we have those qualifications or not. Unfortunately, if you look at a number of conditions, sometimes many are not aware of this, which keeps them trapped.
When something like this has a bigger chance for yourself, you have to be in a safer investment, like of course bitcoin is the first choice. We can't see in terms of the huge profits to be received for a few memecoins or coin pumps but we also have to look at the worst case scenario and as long as you can't afford to be there then don't do it.

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Quote from: Godlovesyou on May 12, 2023, 12:13:12 PM

There is no normal being that loves getting losses on business, career, investment and trades that's why even company holders make financial policies to keep record of investment and profits flows. And unlike other business bitcoin also makes sales and losses if you do not investment wisely....is nice when you put in what can not put you sickbed or gives you hypertension, don't invest out of what you cannot withstand the loss.

Is better to use small money or learn risk management first before investing especially newbies.

Because investing is long-term, and during the period of time we are waiting for the investment to grow and benefit us before we take that benefit, many things can happen to us so that when investing not with spare money then when something urgent happens it is very possible for us to sell the investment, and the worse things selling when there is no growth or even when there is a loss, so actually investing is not an easy thing, it requires careful planning and good calculations, but investing is highly recommended because it is a way to make us have assets that increase in value.

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Quote from: serjent05 on June 25, 2023, 06:32:21 PM

One major reason that we should use spare money to invest is that we can be able to wait for our investment to mature and get huge profit from it. If we use money that is not spare, we might end up needing the money for its purpose and ends up selling our investment prematurely. It is ok if the market is surging but it would be devastating if the market is crashing since we cannot get our full investment if the market is plummeting when we sell our investment.

Investing involves serious commitments, and to really get the benefits from investing, an investor needs to be patient with the investment he makes. I'm because it is morning that patiences can only come when he invest an amount of money that he can afford to be without for a very long time, and money that has not been planned for any other purpose present or in the future.

It is not good also to fix a use for the money you have invested, because fixing a use and hoping to use the profits for something already planned can make you impatient and not take full profits from your investment. From the very first profit you make, you will already be considering to take profit.

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One major reason that we should use spare money to invest is that we can be able to wait for our investment to mature and get huge profit from it. If we use money that is not spare, we might end up needing the money for its purpose and ends up selling our investment prematurely. It is ok if the market is surging but it would be devastating if the market is crashing since we cannot get our full investment if the market is plummeting when we sell our investment.

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Quote from: Kadal Ijo on June 25, 2023, 12:57:40 AM

The best strategy to make us sleep and eat in peace is to divide the money into many types of investment, when bitcoin is trending, many people are too excited so they put all their money in bitcoin, and what happens is the market is red so they regret the situation, by dividing money to many places so we can avoid losses and even get scammed.

Dividing money into several parts as you suggest is good and also good for everyone who wants to invest in their life. But when it comes to crypto investments, I don't think there is the best cryptocurrency other than Bitcoin because Bitcoin can still have a significant impact on all altcoins on the market. Well, if someone has bought Bitcoins and he feels regret when he sees the red market with the price drop that happened to Bitcoins, that means he is not a true Bitcoin lover and not a suitable person to invest in any cryptocurrency.

Because so far I have never regretted owning Bitcoin and have always been patient to expect the best price on Bitcoin. So if someone is impatient and feels sorry for only seeing a red market for a while, that means he is not a suitable investor for the crypto space and is only suitable for sleeping and eating at home without thinking anything.

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Quote from: Joshapat on June 21, 2023, 09:45:14 AM

cryptocurrencies are very promising investments but have a high risk so we have to share it with other types of investment such as stocks, property or others.

I know maybe there are still a few Altcoins that someone can buy for just a short-term profit, but I know Bitcoin is still the only cryptocurrency that one can safely invest in and have better risk management. You know how volatile altcoins can be pump today, Dump the next day and for someone who is not even familiar with crypto, it can be a great problem because when you are still relying on a token to trend high, you don't know if the token might not even be valued again. If you are thinking of investing in crypto, then Bitcoin should be the first coin you add to your portfolio. We can consider Ethereum 😬, but mahn... you don't know the future of these altcoins since they're centralized.

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Quote from: nara1892 on June 25, 2023, 09:42:05 AM

Quote from: Fredomago on June 25, 2023, 04:49:15 AM

Quote from: Kadal Ijo on June 25, 2023, 12:57:40 AM

The best strategy to make us sleep and eat in peace is to divide the money into many types of investment, when bitcoin is trending, many people are too excited so they put all their money in bitcoin, and what happens is the market is red so they regret the situation, by dividing money to many places so we can avoid losses and even get scammed.

Dividing means choosing places to invest. The general rule is not to place everything in one basket, though if you deal with good research and you are fully convinced that placing your money can bring you decent benefits, you are willing to go for it. It's more on taking the risk, but in regard to how OP describes things, I agree with your sentiment. You can sleep and eat the normal way if you only use spare money in your investment.

Not fearing of anything and your willingness to wait will give you a good chance to earn after.

When you dare to take risks, the book must be ready and do not regret what you have done. Of course, investing with money that is not used for necessities will make us very calm even if we are in a bloody market, for example.
As for putting our money in some basket or bin, I agree on that. However, we must be able to see the opportunities that exist, in another sense, we must have many profit holes in the things we do. I don't see it as something to be greedy, as long as we know what we're doing and don't just rely on luck or follow other people.

That's the good and exactly right. Taking the big risk if you are done doing your deep research will drive you to take that pattern. If the chance is high so why bother not to take it right? It's on your take and on how you drive your investment, but moving to how the topic was being written, it's something that will allow us not to fear with our investment as we are using spare amount that can be forgotten, might be possible to wait for longer time and also that willingness to let it go if a mistake has been done.

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Quote from: CarnagexD on June 20, 2023, 10:00:44 AM

Quote from: Godlovesyou on May 12, 2023, 12:13:12 PM

There is no normal being that loves getting losses on business, career, investment and trades that's why even company holders make financial policies to keep record of investment and profits flows. And unlike other business bitcoin also makes sales and losses if you do not invest wisely....is nice when you put in what can not put you sickbed or gives you hypertension, don't invest out of what you cannot withstand the loss.

Is better to use small money or learn risk management first before investing especially newbies.

Absolutely. Only use spare money and that money you are willing to lose. It's like getting into the university again but this time your own failure will be the one that will teach you. And guess what? If you have the proper risk properly, and you are able to follow it very well, you will last long in the game. You may not have big returns, BUT you will last long enough to learn want you need to learn. And what I believe newbies will need to do. That's the beauty of it.

people who build businesses and investments will definitely have failures/problems because not always what we expect from investment results can produce. ever read a business book, beginners who want to create a business, investment can be said failure often occurs up to 5,6,7 times. because all processes need material, introspection of mistakes, this skill will become a strong foundation later. it also has money that must be willing to lose to sacrifice

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Quote from: nur rochid on June 25, 2023, 12:37:25 PM

Reserve money should be divided into two, which is just in case we are hit by a problem that requires money suddenly, and reserve money is just in case the market goes down so we can buy it back. in cryptocurrency actually the risk is very small if we choose the right coin and have mental stability that is maintained, therefore it is better to sort out money to invest and money to anticipate sudden needs, so that it will add to our comfort in holding without any worries

I call reserve funds for emergency purposes (fiat) and reserve investment funds for DCA strategies to increase investment when market correction or bearish market, the important point in investing is financial management and improve knowledge of crypto fundamentals and market analysis skills, if you decide long term bitcoin investment then there is nothing for you to worry about and we focus on bearish markets to increase the portfolio, because bitcoin investment funds are not affected by other financial aspects, we keep an emergency fund in case of need to deal with sudden problems.

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Quote from: Dr.Osh on June 25, 2023, 11:45:48 AM

Quote from: 19Nov16 on June 23, 2023, 10:00:01 AM

Spare money is a good strategy for anticipating bad things, in investment there is always a chance to lose money and even scam, I have had a bad experience from Crypto investment so that I will divide money to many places and because crypto is a type of high risk investment so I only use money with a small percentage.

we can't guess what will happen to the investment we have, so the strategy of using spare money in investing is the best. besides that, this can prevent us from taking very big risks, such as loans, using main money, or other things. besides that, at the level of risk in investment, when there is a failure in the project we support, it will not directly affect the finances we have.

Reserve money should be divided into two, which is just in case we are hit by a problem that requires money suddenly, and reserve money is just in case the market goes down so we can buy it back. in cryptocurrency actually the risk is very small if we choose the right coin and have mental stability that is maintained, therefore it is better to sort out money to invest and money to anticipate sudden needs, so that it will add to our comfort in holding without any worries

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Quote from: 19Nov16 on June 23, 2023, 10:00:01 AM

Spare money is a good strategy for anticipating bad things, in investment there is always a chance to lose money and even scam, I have had a bad experience from Crypto investment so that I will divide money to many places and because crypto is a type of high risk investment so I only use money with a small percentage.

we can't guess what will happen to the investment we have, so the strategy of using spare money in investing is the best. besides that, this can prevent us from taking very big risks, such as loans, using main money, or other things. besides that, at the level of risk in investment, when there is a failure in the project we support, it will not directly affect the finances we have.

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Quote from: Fredomago on June 25, 2023, 04:49:15 AM

Quote from: Kadal Ijo on June 25, 2023, 12:57:40 AM

The best strategy to make us sleep and eat in peace is to divide the money into many types of investment, when bitcoin is trending, many people are too excited so they put all their money in bitcoin, and what happens is the market is red so they regret the situation, by dividing money to many places so we can avoid losses and even get scammed.

Dividing means choosing places to invest. The general rule is not to place everything in one basket, though if you deal with good research and you are fully convinced that placing your money can bring you decent benefits, you are willing to go for it. It's more on taking the risk, but in regard to how OP describes things, I agree with your sentiment. You can sleep and eat the normal way if you only use spare money in your investment.

Not fearing of anything and your willingness to wait will give you a good chance to earn after.

When you dare to take risks, the book must be ready and do not regret what you have done. Of course, investing with money that is not used for necessities will make us very calm even if we are in a bloody market, for example.
As for putting our money in some basket or bin, I agree on that. However, we must be able to see the opportunities that exist, in another sense, we must have many profit holes in the things we do. I don't see it as something to be greedy, as long as we know what we're doing and don't just rely on luck or follow other people.

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Quote from: Promocodeudo on June 25, 2023, 08:21:03 AM

It is good to investment with spare money as people do say, so that when there is price decrease or incurread loss it won't be a much burden or on you. But the question remains, Is there anything like spare money?

To me there aren't spare money anywhere because every funds has value it add to human life, and this is by solving a particular problem that such amount can settle. It is important to note that their is risk in everything but if you know that you are not out for such risk, that's when the spare money comes to play but mind you, I insist that there is nothing like spare money despite that many people believe that this really exist.

Spare money could be considered spare money when you have extra money that you have after paying all your needs such as bills, foods and even your wants. And despite of all the payments you did, you found yourself still have a extra money, which is enough for you to invest. If you think you can afford to lose that money or like you can risk it then you can call it spare money as you won't need to think about it despite of the situation. You can stake it as you can win or lose in investing depends on your knowledge about investment, which is better than holding it, still saving is good especially for emegency purposes. 50/50 it then it would be good.

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It is good to investment with spare money as people do say, so that when there is price decrease or incurread loss it won't be a much burden or on you. But the question remains, Is there anything like spare money?

To me there aren't spare money anywhere because every funds has value it add to human life, and this is by solving a particular problem that such amount can settle. It is important to note that their is risk in everything but if you know that you are not out for such risk, that's when the spare money comes to play but mind you, I insist that there is nothing like spare money despite that many people believe that this really exist.

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