Given about 30% of the eq inv decisions fail, let’s avoid having 10k locked up. Therefore total Eq (see other post) amount – below 30k

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Based on past personal experience, my equity investments often plummet and struggle but eventually fail to recover to my entry price within 3 years (fail to delivery even 0% return). I hate it so much that I tend to cut my losses by selling out completely. Of course I am not so impulsive. I cut loss only if I don’t foresee breakeven in another 2 years (total 5 year below 0% return)

In my experience, less than half of my equity investment decisions (am not counting the dollar amounts) fail that miserably. Less than half, but more than a quarter. Therefore I assume any future equity investment might fail in the same way. (Am kinda agnostic and not a believer of economic forecasting.). Therefore, I don’t allow myself to invest more than $20,000 into equity funds.