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Risking is part of crypto journey as from day 1 we already have that situation and we already accept that , yes I am also in diversification but adjusting or borrowing to buy altcoin will never be in my option , instead I will continue my holding .
Diversification can be applied with a note that the selection of altcoins and main coins must be appropriate, must be top altcoins, and have good development.
Don't just diversify based on rumors and other people's advice without doing your own research.
But when someone suggests holding ETH it becomes the best altcoin choice.
and Diverisifkasi adjusts to the capital you have,
but if you take out a loan for altcoin investment, it will be more risky, because crypto is very volatile while the loan will continue to run along with the interest charged.The cryptocurrency market is very risky so the idea of borrowing money to invest is not a wise idea even if we invest in bitcoin, not altcoins. But it depends on each person, I think if you have a stable source of income and can still afford to repay those loans even if the investment fails, then borrowing money can be considered, but this really should not be recommended.
As for investing in bitcoin or altcoin, I think it depends on each person's taste. If someone likes safety then they should obviously choose bitcoin but if someone is willing to take risks in search of high returns then they can think of altcoins. The most important thing is that anyone who wants to invest should do their own research before investing instead of asking others for their opinions. Investing based on other people's advice will make us lose money even if it is bitcoin because we will never be able to hold bitcoin for long if we know nothing about it.
I don't want to give advice on whether to invest in bitcoin or altcoins, I just want to advise anyone thinking about investing in cryptocurrency to do their research first.