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Bankroll Strategy In Baccarat

By: Mark Freedman, Tuesday August 11th 2009
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In online baccarat the player has to make two decisions. The first is how much to wager and the second is on which bet to wager. The second question is more easily answered. Betting on the Banker winning has the highest average percentage payout and therefore, despite the monotony involved, players must wager on the Banker.

The issue of how much to bet is more difficult to set up. It should begin with the player setting up the bankroll for the session and the duration of the session. Both are important from the perspective of responsible gambling. The player needs to figure out how many deals he can get in during the specified time. Some online baccarat variants provide game statistics like number of hands played, session time and hands per hour. Microgaming's High Limit Baccarat is one such variant. This directly enables players to determine how many hands they can expect to play in their stipulated time by playing free play baccarat for about ten minutes. Otherwise players can get play with real money for about ten minutes and get the information from their transactions history. Different players play at different speeds and therefore generalizations cannot be made.

Once the player determines the number of hands he can simply divide his bankroll for the session by the number of hands expected to be played and arrive at his wager per hand. The player then simply continues to place that wager deal after deal till the allotted time is over or he has exhausted his bankroll completely. If the player is playing the baccarat games at the estimated speed then his bankroll should last the full time or almost so. There is another advantage in placing the same wager throughout. Some online baccarat variants, like Microgaming's High Limit Baccarat, offer the Auto Play feature and this can then be utilized. Using the Auto Play in online baccarat can be very convenient. Players can sit back and watch the games play out or even play some other more interactive games while baccarat plays out in the background. Even without the Auto Play it is much simpler to keep playing with the same bet.

Most regular gamblers believe in winning and losing streaks. There is no mathematical basis for this belief. A baccarat deal is completely independent of the previous one. Yet this belief persists and regular gamblers do plan their bankroll strategies based on this belief. The concept is to increase the wagered amount when in a winning streak and decrease the wagered amount when in a losing streak. Some baccarat players prefer to go by their gut feeling whereas others follow a set strategy.

One such strategy involves increasing or decreasing the wager based on the outcome of the last hand dealt. Assume that the player wants to bet 3 credits per wager on an average. He starts with a wager of 3 credits. If he wins the hand he increases the wager to 4 credits and if he loses the hand he decreases the wager to 2 credits. In this manner the baccarat player either increases or decreases the wager after each hand. If he reaches a level of 5 credits he continues playing at that level if he wins but reduces the wager if he loses. If he reaches a level of 1 credit he continues playing at that level if he loses but increases the wager if he wins. In this manner he will be wagering higher amounts during winning streaks and lower amounts during losing streaks.

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