Coins should always be considered in a safe storage, there are lot of wallets and platform that could be used to hold coins, both of this has good side and bad. Where will you choose to store or hold your coins, in a close source wallet (exchanges) or an open source wallet like electrum and Hodler wallet?
I would prefer to store and keep my coins in a safer wallet. As for me, it is better to keep it safe in a hard wallet because I find it less risky. It is important that we'll know where and how to keep all our earnings safe and secured. I have been keeping my earnings in there for a long time and my earnings are safe there.