Problems are more likely for anyone who fails to properly prepare their investment plan - meaning you should never invest without planning. New investors are very likely to invest their entire budget without realizing how important an reserve budget is - this can cause them to make changes to their investment plans including having to sell all their investment assets rather than hold them long term.

Without a reserve budget or emergency budget - you will most likely mess up your investment plans due to lack of other solutions other than selling assets. This is the importance of an reserve fund - it can at least give you a temporary solution before selling investment assets and this depends on how much budget you need. Set a limit on your investment budget - set aside a few percent of it as an reserve fund.