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.
saving fiat didnt give us return , and even its value will decrease due inflation. save our money into bank was not profitable at all , we only got benefit from its security and there is no risk in value volatility. cryptocurrency especially coins that have strong fundamental be good place to growth our money in long term as long as its free money and we have another saving to fill daily needs and urgent needs.