pick one of major caps in market and hold it for long term , we will gain huge return while bitcoin price recover. we know predicted market was so hard since market manipulation by whales started, they buy and sell all crypto currency to create volatility to shake retail investors. i am agree in this condition we must becarefull and maybe save our money also as good investment.
For now I divide my assets into two options. First 50% of assets I will keep in stablecoins and the other 50% I use to shop in the market during a downturn because buying the best coins like Bitcoin and Solana at low prices is my target for now even though your advice is also not wrong with having to be careful and save money before the loss occurs.