Quote from: ZeroVinsonN on Today at 07:51:00 AM

Quote from: JayJuanGee on Today at 04:16:21 AM

Quote from: Lembo69 on September 30, 2025, 06:40:21 PM

Quote from: Hardyrobust on September 30, 2025, 12:16:54 AM

There investors that may not want to go in all at once, they may decide to keep some percentage of there discretionary income and them use the remaining percentage for buying the dip. As per being a low coiner ,

As you said, you can decide to buy dips. No one knows when the market price will dip and when it will be high.

Therefore, it is believed that buying through the DCA strategy without allocating some percentage of your discretionary income for dips will be the best option.

I agree with you, but your way of saying these matters is confusing…which in essence you got the idea right, which is just because we do not know if or whether dips will happen, that does not mean that it is a good idea to hold back value for buying dips that could have had otherwise been used to just buy bitcoin regularly.

At the end of the day and investor might not use all of his discretionary income to purchase bitcoin, let's suppose an investor already has around 5 months worth of emergency fund saved up so building an emergency fund is no longer part of their budget on how to spend their discretionary income, the investor could decide to invest as aggressively as 80% of his discretionary income into bitcoin but that begs the question of what to do with the remaining 20%, should that be saved up for buying the DIP? or should all 100% have been poured into bitcoin investment instead, you could decide to save for the dip but what is your guarantee that a dip will be happening any time soon, the point is that no one can really tell when a dip will happen so waiting for it becomes problematic, instead just keep investing with the DCA

Of course how aggressive a person is with his investment is discretionary (meaning within each person's choice). Discretionary income can be used for consumption, investing or savings.. so usually a person will not spend 100% of his discretionary income on investing, even though he is free to do that.

I am not very thrilled with holding back value for buying dips, especially for new investors, yet people can do what they like, and I can imagine situations in which putting some money aside for buying dips would be reasonable for the person... such as if a person had already bought a bunch of bitcoin at a certain price, then maybe he would want to set some money aside for buying dips.

Let's go by your registration date and say that a person got started buying bitcoin in December 2024, and he had an income of $30k per year, and he was investing $100 per week into bitcoin since December 2024, yet maybe he had also getting more and more excited about bitcoin, and so around June of this year, he decided to take 20% from his various other investments - that he had been investing into for right around 10 years which added up to about $40k, so he was going to take $8k from those other investments and invest it into bitcoin.

So maybe he did all of this in June, and since he already had the ongoing $100 per week investment going on, he had decided that he would invest $5k over the next 5 weeks at $1k per week (which he did between early June and mid July), so then after that he had $3k that he was saving for dips.. So then maybe he had figured out some prices that he would buy on dips for that amount.

Yeah, of course, we can see how anyone could get nervous about holding back so much for buying on dips.. but guys come to various conclusions.. and maybe he would not be requiring a large dip, or maybe he make some adjustments to his plans, and perhaps between June and now he had already used most of it for buying at various points, and he only had $1k remaining in the fund... so yeah, it is not obvious what to do, and some of us might conclude that he is wasting his time trying to wait for dips that may or may not come, even though since June there did end up being a couple of dips that might have had been enough to trigger buys.

On the other hand, if a guy with similar circumstances had gotten into bitcoin 6 years ago, in mid-2019, and maybe he had started out investing at $100 per week, and then he had a few lump sum amounts come in, and maybe by now, he had a similar situation where he ended up receiving $5k (from inheritance or something like that), so then he has the option to DCA, lump sum (buy right away) or buy on dips. Guys are not going to decide the same way, yet they should at least consider that they have the three buying options (again assuming that his emergency funds/back up funds have been sufficiently built up to cover 4-5 months of expenses).

Quote from: ZeroVinsonN on Today at 07:51:00 AM

Quote from: JayJuanGee on Today at 04:16:21 AM

Quote from: Lembo69 on September 30, 2025, 06:40:21 PM

Yes, you can also save for dips. But you don't know when the time for that dip will come. Therefore, it would be wise to buy more and more regularly through the DCA strategy without allocating money for dips.

It would be better to buy regularly without waiting for dips and to maintain discipline in your investment in a sustainable and stronger way.

Ultimately you got it correct.. especially for newbies.. You since it can take a long time to just build up a bitcoin holdings, so it likely is better to focus on one’s own capacities, such as finances and how much can be put into bitcoin on a regular basis (such as weekly) rather than trying to figure out whether or not a dip might happen.

This is especially true for newbies, there is little to no point in worrying about a dip happening or not when you can just keep accumulating, bitcoin accumulation takes time and the only way to be successful in it is through consistency and you cannot be consistent if you are worrying about when a DIP is going to happen and whether or not to wait and buy that DIP when it happens which is not even a certainty since we don't even know if a dip will be happening any time soon.
So instead of waiting, a newbie should concentrate on building up their holdings above anything else, it's best to concentrate on this for at least one cycle at which time the investor would have had a reasonable bitcoin stash to his name.

Part of the reason that I frequently suggest that guys figure out ways to be able to buy bitcoin every week is so that they can be actively engaged with buying, including if there might be dips.. so yeah, overall it seems a good idea to just focus on regular buying rather than getting too worked up about trying to figure out when dips might or might not happen.

Quote from: ZeroVinsonN on Today at 07:51:00 AM

Quote from: gracreavix on Today at 07:32:51 AM

Quote from: Derekfunds on Today at 04:21:20 AM

There is a difference between when you have gone far and when you have reach overaccumulation stage and scraping some profit when you have not reach your overaccumulation stage is a bad idea and if you scrape out profit when your investment is not up to 4 years of holding you can be seen as a short term investors otherwise known as a trader. An investor always hold for long and never think of the profit untill they get to overaccumulation and we should not invest with so much attention to have profit because we can be dismay if the price went in opposite directions (Dip).

I get your point, but I don’t fully agree. Overaccumulation isn’t really a fixed stage, because everyone’s financial situation and risk tolerance are different. Some people might take profit earlier without it meaning they’re traders, it could just be part of their personal strategy. Holding long term is solid, but labeling anyone who takes profit before 4 years as a trader seems too rigid. Even long term investors sometimes adjust when circumstances change.

What can be considered as Over-accumulation is dependent on the investor since your financial standing can play a role is deciding what can be considered as having enough or more than enough bitcoin, but taking profit from your stash to early diminishes your status as an investor, an investor reason for taking out profit can be dependent on certain factors, it could be that the investor had a stipulated period of time in which he planned to invest for and when this time runs out they can decide to take profit from their bitcoin stash, it could also be value based or price based where they what to have a particular amount of bitcoin first or a value around a particular price range after which they can also decide to cash out on some profit, but the fundamental of these factors is that the investor had everything planned out from the beginning, this is why you have an emergency fund so that you don't ever have to take profit from your bitcoin earlier than initially planned, when you start derailing from your original investment plan you start losing you consistency as an investor which can ultimately lead to you falling into the classification of a trader, this is why you take measures to secure your investment so that you don't have to sell too early.

Sometimes it can be useful to provide some kind of an example. Let's say that a guy with a $30k per year income started out investing in bitcoin in 2019 at $100 per week, so he has about 6 years investing in bitcoin and maybe he has been very aggressive and he invested close to $30k into bitcoin during such a short period of time and he was able to accumulate 1.4 bitcoin.

If his goal is to be able to generate an income of $40k per year from his bitcoin investment, he has not gotten far enough, yet. With 1.4 bitcoin he would currently ONLY be able to sustainably withdraw slightly less than $7,500 per year, so he is not quite at his goal.. but he is making good progress... So his stash size should help to inform him how long it might take until his stash size or how it is progressing would be able to sustain ann income of $40k per year.

I personally think that if the guy was able to get to 1.8 BTC by mid 2031, he would be quite close to being able to support a $40k per year income on that quantity of BTC. Of course, my calculations might not be correct in regards to the exact timeline or the exact quantity of bitcoin needed..yet we should be able to come to our own conclusions regarding these kinds of matters.

In other words, we might not agree how to calculate, yet we still might be able to come up with calculations that we deem to be reasonable in regards to our targets and to adjust our behaviors in accordance with how close we are getting to our targets.