Imo, its safer to keep in on one wallet because you are only facing one risk by keeping it in one electronic wallet but dividing it into 10 address means that you are also increasing the risk that you will be facing like having to encounter the volatility of Cryptocurrencies and you also need to consider the gas fees. If you try to split it in 10 ways, you might lose your initial savings but keeping it on only 1 wallet is much safer for me.

I could also try to look for ways on investing it on new opportunities.