I think as an investor we must be able to take risks because if we don't dare to take risks we certainly cannot develop but after all it depends on each of us
in taking risks certainly requires consideration. if there is no knowledge and skill in investing it is the same as you deliberately lost your money on investment. learn first your assets, then you can invest.
well, if you don't have knowledge in that, then consider investing in things that have little risk, such as gold, land, houses, and others. when you ask about altcoins, so many altcoins are pretty good, and have a pretty stable price, but keep up with bull run, and bear markets, like XRP, BCH. maybe the top 10 of the coinmarketcap list can help you