Good risk management is not a product feature. It is five questions you answer before the money moves.
1. If it halved tomorrow, what would change?
Write the actual answer down. Rent, a course, a medical bill. If the answer is "several of those", the position is too big — not marginally, categorically.
2. When will I need this money?
Plan cycles are fixed. A cycle that ends after the date you need the money is the wrong plan regardless of the return — here is how a cycle works. Money with a shorter horizon than the commitment belongs somewhere else.
3. Where is the cash I am not depositing?
A reserve is what stops a bad month becoming a forced sale. It is not optional and it is not deposited. Why not to concentrate covers this in full.
4. Is any of this borrowed?
If yes, stop here. Leverage plus a volatile asset is the combination that ends accounts. There is no version of this that is a calculated risk.
5. Is this money I would miss?
Not "I could afford to lose it" — would you miss it. The honest answer is usually no for genuine surplus and yes for money earmarked for something.
If all five answers are comfortable, you are likely sizing correctly, whichever tier you then choose. If one is uncomfortable, change the amount, not the tier.
Two habits worth forming now
- Re-read the terms each cycle. They are published, and they are the binding document — not any article on this site.
- Keep your own record. Your dashboard shows every credit. A simple note of deposits and payouts makes a query much faster if you ever raise one through the Help Center.