I agree with you that there are some people who do happen to maintain both a trading stash and an investing stash, and how much is allocated in each would be a personal decision... Personally, I believe that any more than 30% allocated to trading is going to put a person in the wrong mindset, and there might need to be some other guidelines in place for the trader, so that s/he does not continue to deplete the HODLing (investing) stash if the trades are happening to not go very well... no more than 10% in shitcoins and no more than 30% in trading, and perhaps if someone puts 10% into shitcoins, then s/he would ONLY be able to put up to 20% into trading because there is almost no way to justify being into shitcoins as anything other than a form of trading..
I don't!, no stash for trading all that just for BTC investment and HODLing so on, how to accumulate using DCA strategy.... 30% of monthly income for BTC investment and the rest for living and other needs.
For me trading is too complicated and there is more risk of greater loss than profit, here we have to understand all the patterns that are needed and the pressure of the mind because we have to choose the shitcoin that is traded, so I don't do any trading except BTC investment.