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.
Yeah thats a good idea if you start a business in real life is more chance to make a good profit..but not always successful in real life it needs a good place where there is no compition to start your unique business. in bitcoins its just the same if you go in the place that has a lot of competition you can not get a good amount of profit more or less lose.. so for keep safe savings is a good thing and skills or study some skills that you can use to get some task online can increase your bitcoin savings and wait for a right time to sell your bitcoins.