If i had that amount of money to invest in crypto,I would only like to invest in Bitcoin & Ethereum.These are the best coins to invest without any risk. These coins won't make you rich overnight but if can hold for long time then this can give you a lot of profit.
Remember one thing crypto is a long time project those who thinks crypto can make you Millionaire overnights should not come in crypto or you can lose your money so fast.
if for long-term investment, I totally agree with you that buying bitcoin and ethereum coins is a very useful thing and it's true that it won't be done immediately but bitcoin and ethereum can certainly provide benefits in time.
it does take patience in long term investment in bitcoin and ethereum and not instant.
if you want instant clear is to do daily trading which is clearly full of risks if you don't study it properly, indeed a big risk will also produce big things. but I'm more in favor of just long term investments and you will definitely earn.