There's a lot of risk investing your money on cryptocurrency and you need to know how to trad first before you put your money savings and you might lose it and it's going to be difficult to recover. And it will also depend on what coin you're going to buy, but if you really want to spend your money then just choose Bitcoin because I think it's very stable and the value of last 2017 really sky-rocketing and it might pump up by next yeara
I don't think there is a risk in cryptocurrency. And for me personally, investing in bitcoin is the right decision because we know that bitcoin is a good coin and has a great opportunity to be able to benefit. But if the OP only wants to invest into cryptocurrency in stable coins, I don't think it's a wrong decision but remember that investing or putting your money here is very risky and for me personally I would prefer to keep my money in a bank and use some of that money to generate profits in cryptocurrency.
Investing in cryptocurrency has maybe been a risk. And taking that risk will take you to success because if you take risks with your knowledge about investing and taking care of your money there is no such thing that you can lose your money if you are really knowledgeable in decisions you are making. There are some risks that your money may be lost because you choose some coins that are not profitable. With the information you got in a particular token you don't need to worry about your money if you actually study well.