It's not really a smart move if you're short on cash and can't afford to take the risk then putting your funds into a high speculative asset is downright risky. Your investment will not always be ideal because if you want to venture into a bullish market, you need to take risks and prepare for it by buying altcoins. A top altcoins will not suddenly sink full but your patience will lead you to the right destination. We invest in crypto only because of profit so having knowledge to pick best time and token is more important.