Most of my holdings is with Bitcoin and the top altcoins, though I also have meme tokens but I'm planning to dispose it as early as now while i still have the paper profit. The market is unpredictable and having a good coins on your wallet can at least give you the peace of mind and assure you that these coin can support you even on a bear market. Timing the market is also very important, buy good coins at the right price, there should be no rush for this.