I think it is not to late to invest we are still in the middle of the year 2021, but during bull run there is a high risk you need a big money to invest, and this is not new we experience bull run last year 2017 and after that bull run there is a sudden dropping of the price, people are aware of the high volatility of the market that is why the suggestion is different, however it is always depend on you and you will be the one to decide on it.