The more money you have the easier to make money as you have far more flexibility. I keep 15% cash for opportunities that may arise. I also have 80 stocks. I can add or subtract pending market conditions average up or down. I have several buy and sell orders in at any given time with the price I want that auto execute. Maybe 10% actually execute. I evualate over the weekend. Takes much of the emotion out of it. I infrequently trade options but will if I see an opportunity. Options are a very short trade duration of a week or less. Most retail investors have limited funds and tend to be fully invested.