You should put your money to top altcoins as everyone has said. Isn't hard to understand as long as you stay at the top, with strong users base and good amount of trade volumes. It will mitigate a lot of risks compared to other alts. BTC, ETH, BNB, Poly, Sol,...
Your suggestion is correct, but the idea that investing in top coins is safe is not correct except for bitcoin. Because what happened to Luna Coin in recent times is an example, you have to think before you invest. But Luna was the top coin and no one thought there would be any such incident, so it is important to be careful to protect yourself from future losses. So waiting patiently would be the right decision before entering any coin even if it is a top coin.