What you can afford is 200k, but what you can afford to invest and what you can afford to lose to investments may not actually be the same thing, not even for the same person. And I also want to believe people don't just throw their money away in gambling sites and altcoins because " they can afford to lose it".
What you can afford to invest and lose should be the same thing. If you no fit afford to lose am, no invest am. There's no 100% investment wey be say return dey guaranteed, anything wey dey like that na Ponzi scheme dem wey people dey use to attract people wey no know wetin dey sub. E get how people dey talk wey I dey try wan talk so you go understand how the thing be. If you can't afford to lose 50k no invest 50k. Irrespective of the money being small to you or not, no invest am. E get things wey you need know before you invest because say it is not always about your investments but the patience wey you fit get to let go if the money lost.
As you never get mind to lose 100k, why you go carry that kind money go invest. My people say, sew cloths according to your size, make you no go dey use another person measurements dey sew your own cloth. Another one na say, if you no fit afford something more than once make you no buy am. So that investment if you not fit afford to lose am and dey comfortable without getting depressed no do am.