I think, that hodling is good choice to make money but needs some inteligene and knowledge to buy right. I suppose, that now is good time to buy, cause coin's price are low and in future it, probably, will grow. And now we can imvest in some ICOs. For example ElonCity. I think, that this project is perspective, cause its unusual and needed. It's an energy project what was created to make electricity cheaper and accesible. Also this project has good partner - Krypical Group. They had four partnerships and they are all succesful. And I think, that this will be too.