I think now is the right time to invest, because almost all altcoins are at very low prices for now, the altcoin I highly recommend is BNB, because in addition to BNB's price which has almost touched 700$, BNB coin is also a low risk coin.
You're right, investing now is better than to wait three years before you are going to invest. Time is gold, as long as there is an opportunity, you should grab it. Crypto is a good investment nowadays and I believe that it has a bright future. Just find the right coin to invest like those in a top ten from coinmarketcap.