Flat staking bets the same amount on every pick — simple, variance-controlled, and easy to evaluate. Kelly Criterion bets proportional to the mathematical edge — optimal for long-run bankroll growth, but volatile. Quarter-Kelly gives you 70–80% of Kelly's growth advantage at near flat-staking variance levels. For most bettors following AI picks, quarter-Kelly or flat staking are both defensible; full Kelly is rarely appropriate.
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