This is great advise, thank you! I suppose there's no problem leaving the money untouched for the next 5 years. The amount I put into cryptos depends on what I believe the risk/profit relationship is. If I believe e.g. the following:
15% chance to lose all my money
25% chance to lose something, like half of it
25% chance to make as much profit as stocks/funds may make
15% chance to make quite much more than from stocks (which may always slump down)
20% to make life changing amount (if not alone by investing it to real estates with 70% loan, 30% own funding=the possible money from cryptos)
This would be enough to invest more than I originally thought. But of course I'd need to know what I'm doing and not just invest it for the sake of investing. Obviously just about all interesting pretty well-known cryptos are quite high now? I've looked at some charts and at least some have been coming down lately.
Well by that logic, this is what I would be suggesting you: You should put 15% of your money into high risk and high APY defi projects, go to binance smart chain and you will find plenty of them, 25% of your money should go to top 20- top 50 levels coins, not at top 5 yet but definitely have a future in them, 25% of your money should go towards top 10 coins, omit XRP, BCH, BSV type of centralized ones and go for eth-btc type of ones.
The other two parts that you labeled "chance to make quite much more than from stocks (which may always slump down)" and also "20% to make life changing amount " are the risky ones you mentioned in the earlier ones labeled "chance to lose all my money" because they are the ones that will give you life changing money if you are right about them or lose all your money if you are wrong about them.