That's a tough question to answer with current frame of mind. Especially since how crypto is behaving lately.
So i have a simple solution for it.
The money you cant afford to loose is safe in bank for the moment.
The money you are okie to take chances on are best kept in some promising crypto.
So best thing for me is to keep most of my money in bank for the moment and invest rest in privacy coins like DeepOnion so i can use it for untraceable transactions. There are certain times one would not want banks to devoid their privacy. That is where privacy coins for now are gems.

Why DeepOnion? Yes there are many other privacy coins. But if im investing i would go for the coin which has huge room for growth rather than one which has already grown. DeepOnion is relatively new and has many promising updates coming.. So safe bet for me.