If i have 60 btc I will start a business so that I can have a stable income and give some for my family then invest some more coins to keep up the income and then save it for future purposes.
strongly agree with you that some of it is better used for business, but if you can run a business too.
better some remain in bitcoin and some are placed in altcoin that already exists in the market and don't place it on ico, because many fail and don't grow alias scams.
yes if you do not have a lot of experience with such a large fund, fear that what happens is loss. I think business outside of crypto can be used as a reference, and some other businesses in crypto so that the velocity of money still occurs, especially if you are a beginner