Quote from: loopes on Today at 12:00:21 AM

Quote from: cafter on April 21, 2023, 07:13:26 PM

I don't invest money easily in any asset because of fear of losing that money. i think of investing 80% of total savings.
do taking risk is important or not?

please quote all question and answer it's very helpful for me and others.

investing 80% of your totak saving is too bold act to do because you need to have liquid part of your saving to fullfil the sudden needs. Moreover if you want to put your 80% on risky investments although every high risk investments promise high return of investment. But i Think you should divide your savings properly. i mean, better you to make a diversification not only put all of your 80% savings to the risk investment. You can put 50% of your savings to low risk investment then 30% of your investment on high risk investment that can give you high return if you do the right way.

It also depends on your savings and what you use it for. I mean, if it's savings for the future, we won't need it, then we can consider taking some out to invest. But if this is money for the near future, in case of an emergency, it should not be used for investment. 80% is huge and unsuitable even if we invest in low risk assets because investment is very volatile, and there is no guarantee that it will always be profitable or quickly.

For a newbie, I don't think they should use more than 20% of their savings to invest. They don't have any experience so investing large amounts of money is not a wise decision.