if I had that kind of money, I wouldn't risk asking people I don't know where to invest it, do a market analysis yourself and make a decision, because the amount is not small. I would pay attention to projects with their own blockchain and the top 10 CMC.
You are right If a person has money of this amount, he will try to know about the market before investing. Because you can't invest depending on someone's research, unless you research a project yourself, the risk of loss will remain.
Most of the people who can't succeed in the crypto market have very little knowledge about crypto. Since their knowledge is limited so they are easily influenced by influencer.