You can't expect strangers that don't know a thing about your situation give you relevant advice. There is no right or wrong moment.. it's only the right or wrong moment for you. Maybe you desperately need money for something now and can't wait for long time, then maybe it's better to cash out now. Then it comes the question if you believe in Bitcoin long term or not. If you do then you have the option to take a collateralized loan for your BTC through Nexo or other similar services.