If you don't want to take the risk of price fluctuation and stuff, then might as well leave bitcoins. Bitcoins is volatile and it always will be volatile. I think the actual reason why you're doing all of these is, ultimately, you're afraid that you're going to get hacked so you just either withdraw your funds or scatter them elsewhere. I suggest that you study how to use cold wallet. Holding bitcoin for a long time is far much better than investing to some investment site. Only withdraw what you need for your daily expenses.