For me, investing all your savings to 3 cryptocurrencies you have mentioned is not really good idea. Why? because you cannot say what will happen the following days or months if the prices will either go up or down. It is very risky and the rates are flactuating. Also, what if something emergency that might happen in few days or months with your own personal life. Be proactive about uncertainties.
A downtrend with these coins is really less btc you can see it has only been increasing since starting of this year , it rises by 1000's and falls with a couple hundred. I would agree with you on one part though investing all savings is really risky you can still have unexpected events in real life even if you are making profit from btc it takes minimum 2 business days to get your cash in hand.