To accumulate coins in the hope of future growth is very risky. Look, for a year now, cryptocurrencies have only fallen in price. No one can say with certainty whether there will be a rise in cryptocurrency.
It is better to buy those coins in which growth you are sure. As well as those coins, which you can earn when trading on exchanges.
You say that it is risky to accumulate coins and immediately advise you to do it, but the risk is always there and it does not matter in what coin you have confidence, any can fall in price