12 btc is a huge amount to have and cannot afford to loose a single penny out of it, so without taking any risk I will prefer to play safe by simply holding them till the end of the year and if price goes high then will sell them and invest that money in real world.
If someone really wants to invest the money in real world so he does not need to wait for the year to end because maybe by the end of the year he wont earn that much profits as much he can earn by starting the business in real life until then.