Apart form bitcoin, Ethereum and the major altcoins like the top 20. Holding atcoiy for along time could result into heavy losses. Most traders make more than holders. Most projects have gone down in red below tthe selling price and as such, it's a loss holding those coins.
Same scenario both of them will earn a lot of money if they're hardworking. Traders also could become holders if they should follow the same method of what the holders did. Most importantly they learn how to control their emotions.