If you have 12 bitcoin it is good to hold some amount of this and the rest converted into altcoins. Because altcoins are increasing their value the investor also like to invest in the altcoins. The crypto currencies are very profitable and having a good future for the users
If I had such a great sum of money, I would also hesitate what to do now. My advice: simply do not touch your Bitcoins. Let the cryptocurrency grow. It will let you get rid of a headache and bring profits.