Bitcoin should be used as an investment vehicle to diversify and should not be used as a sole source of saving. You should only every take risk with currency that you can afford to loose. I personally invest 80% bitcoin, 20% altcoins both at ICO stage and currently available.
Yeah, I have the same thought as you. 80% bitcoin and 20% for altcoin or ico investment, it will create for us many passive income sources and do not make our money frozen. In addition, it also limits the risk of investing because investing will certainly be risky and we can not predict when it will happen, if we do not put everything in, when we face risk, we will still lose money but not lose everything. We should have a strategy and reasonable investment plan, do not put all the money in one place, that would endanger our property