In my case, and per my past experiences, I prefer to take a fix amount or sometimes, a little more every two weeks, or at the end of the month, for sure, and leave the risk to the ones I now write code for - The risk I take now is to find clients and keep them, that way I can have a job.
Now that I'm in my early fifties, the risk I want to take is to learn better C++ and not spend so much in AutoCAD developing, there are better opportunities in other sectors, and the pay is better.
My 2 pesos - That nowadays worth almost nothing.... (and something totally different: in 1972 with a US quarter I could pay for four bus tickets, or buy me a sandwich, a soda, and a chocolate)

Surprising Paul, I thought you were the type to take on a little risk..you know what they say about people who avoid risk 