Savings won't grow my money so I will definitely invest it to grow money.But I will save 15% of total money.And with 85% I will buy some ETH,DOGE and LTC.I know these altcoin price will rise very soon and I will be able to cut a good profit from these.I also aware of risk in trading but I know without risk its not possible to make profit.
it's up to you to formula about saving and investing, but I think it would be better if you prioritize to save. because investment is also at risk. Surely you do not want 85% of your money is lost right?
I think he has chosen wisely in which altcoins to invest, but I agree with you that trading is always risky. I wouldn't risk 85% of all my money even if I was almost sure that it's a right investment. But on the other hand, the more you risk the more your profit might be, so that's for him to decide.