Majority of the legit masternodes are quite expensive so, as long as you can avail the capital that it requires, do it. For the staking, I only know few legit staking coins that are worthy to have so it's not that bad to have it but the profit that it provides is just an extra income.

In lending, how much your capital will be? you can lend to someone that's really in need with collateral.

Avoid investments that are promising too good to be true gains.