If I have millions dollars of cash, first of all, I invest 50% in my local business, 30%/40% in safe for future and other 20%/10% invest in crypto-currency. Still, I earn and invest in crypto-currency and other business.
Putting up a business is a nice decision when you have a huge of money. If I have this money having a business is my first priority in the long run it will bring good profit in return. Also investing in crypto is a wise decision as there is more opportunity to grow our fund and the lasts saving money for retirement