Bitcoin can be one way as they offer plans around 2 year to 5 or 10 years of savings plans which you cant reverse,and if you do you will loose money instead getting more.
i think that you are right, bitcoin is mainly a long term investment though after two years the price might actually be lower than right now what would mean a loss so youd need to hold more
i think that the best way to manage it is to save as much of bitcoins right now as possible in order to make some in the future, though those are just my plans and you should do whatever you want with it