You should create some plans before investing such a large amount of money. Don't worry too much about being late to invest in any cryptocurrency. You will not be late if you carefully prepare everything instead of becoming a loser. Besides, I see you are looking for a long-term investment, so you must have more knowledge about what you want to buy for your investment.

A few hasty people can achieve success, but most hurried people fail. Let's thoughtful preparation and have a clear plan. It will never waste your time!