Always take risk into account. What is your risk tolerance?
I am trying to comply with risk-management, that's why the majority of my money is stored in stable coins or in mainstream currencies such as Bitcoin, Ethereum. I can afford to use about 10% of my capital for different risky things such as investing in new projects and risky defi-projects that potentially can yield me a bigger profit and at the same time I am not afraid of losing this sum of money.