At present, I think, we don’t much invest on btc or eth, if you want, invest very low. You should invest xrp, xlm, eos, doge, trx, etc, ltc which are profitable form long term and I invest all of them. I also invest on shib coin which could gain huge profit for future after one or two years.
Don't invest everything. leave FIAT as a reserve in case the coins you invest are getting lower. the coins you mention are TOP coins that have strong Fundamentals.
Don't forget to also include BNB, MATIC, XEC and SOL. Those are some of the coins I'm currently monitoring.