There are allot of manner to earn allot of money with coins and that is really easy you can invest in coins and not spent any of them wait till he rises or you can invest into companys to get nice %.
Holding is really not profitable compared to daily trading which ensure that you gain profit,if you look at how much you can earn compared to holding you coin trading daily is much better.
Trading involves risk whereas holding is risk free, if you want to really play safe then holding is the best option, but holding should be limited as holding too long can also be risky if price drops in future.
But we must be selective on the day or month we want to save because it can cause us breakdown since bitcoins price might get low if we save in the days that it is not hes peak, but if you really save when theres halving coming well thats wise choice because of that we can earn more profits if we save more and all we need to do at that time is to wait until halvinf occur.