1. DON'T USE YOUR PERSONAL SAVINGS FOR INVESTMENT - as the saying goes, "invest what you can afford to lose," so set aside money for this purpose.
Use the money you can afford to lose to gamble or trade. Investing on altcoins is also gambling, using the amount you are afford to lose is advisable too. For bitcoin investment, you can wait for bear market and invest for like few years. Do you believe I have most of my money in bitcoin and stable coin? Fiat is inflationary.
Investing in cryptocurrencies is not as easy as it seems and it can be risky. Another thing investors to avoid when it comes to cryptocurrencies is getting caught up in the hype. Before investing you should carry out proper research on the project don't just invest in a coin because everyone is doing so.
If I get you right, you are talking about investing on new projects? They are very risky. I prefer to invest on projects that are existing already and that they are among the first 100 in marketcap ranking.